BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or deleted immediately 1.XXXX XXXX XXXX 2.XXXX XXXX XXXX # XXXX 3.XXXX XXXX # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: KS
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I received a letter from XXXX and XXXX claiming I owe a debt that they never validated nor did Portfolio Recovery Associates. The business is posing as an attorney, yet they have no jurisdiction over me. I want them to leave me alone permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: Paypal Holdings, Inc
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I have purchased a product on XXXX and used Paypal services to pay for the item. It turns out the item was misrepresented and I requested a full refund. The buyer accepted to refund the full amount without requiring the buyer to return the product. 

All of the communications including a picture of the PayPal screen showing that Paypal will be refunded to the buyer. However, Paypal representatives are refusing to refund my money for the amount of {$49.00} as they have mentioned in the chatbox. They keep saying that the buyer must return the item in order to get a full refund. 

The Buyer asked the Seller to send a pre-paid postage so the Buyer can return the item and the seller made a decision to not require the buyer to send the item back. The buyer has agreed 100 % refund the money as all communications on XXXX as proof what has transpired. 

The Buyer has asked Paypal via online chat and they are firm in their decision to not refund the total amount because the buyer refuses to send the item back to the seller. The seller does not want the item back. 

It is not the Buyer 's fault to buy an item on line what was misrepresented and Paypal should know that misrepresentation of products online is considered FRAUD and therefore, the Buyer should not be required to pay the postage to send the products back to the seller without a Prepaid postage from the seller.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-26
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have faxed and mailed my state ID card and social security to Equifax consumer reporting agency for three ( 3 ) times asking them to remove the fraud alerts from my credit file. They never remove them. When I contact them over the phone to request it to be removed they just give me hard time by transferring from one department to another and when an agent picks up the phone he asks me over twenty questions to " verify my identity ''. At the end they tell me that they would remove the alerts from my credit file but after a week I receive a letter from Equifax in which they state that they have added an extended fraud alert on my Equifax credit report. And the worst part is that they also notify XXXX and XXXX XXXX to add an extended fraud alert on my credit files which never requested by me. 
It is just waist of time to deal with Equifax. It has been over a month I am sending Equifax letters asking them to remove fraud alerts from my credit report .... 
So far no results ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26
Company: LEXISNEXIS
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. 
My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX , XXXX, OH XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/2015 XXXX XXXX XXXX , XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The company portfolio recovery called me trying to collected debt owe. I never spoke with anyone from this company before that call. A contract was never issue. Reaching out to porfolio recovery lack reasoning. making there calls illegitimate and stocking behaving illegal. I clearly have no idea what they are talking about and still they keep reporting this negative account on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Constant phone calls and no messages left. Research the number and its XXXX XXXX XXXX. I dont owe anything to this debt collection company and nothing is reported on my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-26
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Why is the credit bureaus using foreign customer service reps? I have had to many scams perpetrated on me by people in XXXX. Like having my social security, mobile number and address. Now how can someone in XXXX have that mush personal information about me? I understand now. I'm sure that they are obtaining my information through these companies that they are working for. They sell them to other companies in XXXX and that's how my personal information is known all the way in XXXX. I know there could be other companies that they can get information from but why would some I give my social security number and other information to someone in another country. I don't feel safe calling the credit bureaus for information anymore.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18
Company: Receivables Management Partners, LLC
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
after sending written letters to the company disputing the amounts they are requesting owed, they sent an old medical bill with a medical diagnosis on it and an amt due.

I sent out another letter explaining that they violated the HIPPA and needed to remove this collection from my report. I still have not had any luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: NRA Group, LLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I paid off National Recovery and they started calling every month for XXXX after stating I owe them I paid 3x 's after I recovered my credit National Recovery Agency in Pa reported it to Credit Bureau all but XXXX have removed it. 
I had bank statement receipts of the payments its like they're systemically trying to sabotage my score. Also I have these ppl at XXXX who are harassing me. 
I canceled ent them and sent receipts stating I had insurance with another company days before my next payment was due I canceled I got a settlement of XXXX and I cleared my credit with it all I had was XXXX worth of debt. 
I'm going through health problems and I am not doing this, I don't need anybody extorting me for money I don't owe.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Company: Security Credit Services, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Todays date:XXXX XXXX, XXXX XXXX XXXX. SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX  XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious SECURITY CREDIT SERVIC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX SOC SEC # XXXX DOBXX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$4000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED  ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$4000.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Midland credit has tried to repeatedly keep contacting me in reference to a debt that I have already resolved as a settlement and paid an installment. I sent them a letter to ceased and desist communication I received notification that they were not, and I explained that it had been paid as a settlement in installments only to be notified that I will be sued. Im still continuing to get phone calls and letters in reference to this and it even contacted the company who they are utilizing to sue me ask for a callback to show that I have proof of payments, and Ive yet to receive a call back from Midland credit manager is still harassing me And I sent the letter to them in writing, Asking them to cease and desist on all communication and they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, Original Creditor, XXXX, US DEPT ED Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I decided to get my credit pulled due to a bill I received in the mail. I've never heard from the place before, I suspected identity theft. Surprised there's a few derogatory items that I've never opened in my life. The things listed on my applications are not mine. XXXX XXXX, DEPTEDXXXX XXXX, XXXX XXXX AUTO, XXXX, ( Original Creditor : ). I have contacted the FTC and my local police and I am doing this all alone. Please remove these unknown items from my report : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX, RXXXX XXXX ( XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX   XXXX XXXX. XXXX XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX. XXXX SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: LoanCare, LLC
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Contacted company for removal of my record from their files. Explain it affected my credit rating. Their response was they still own my mortgage. Don't understand why. It was first loan mortgage and sold : Status Transferred, closed/Never late. 

Type Mortgage Terms 25 Years On record until XXXX XXXXXXXX Last date they reported my status : Date of status XX/XX/XXXX -- First reported XX/XX/XXXX Transferred to another lender which is my current mortgage company that reports my status to credit reporting agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I decided to get my credit pulled due to a bill I received in the mail. I've never heard from the place before, I suspected identity theft. Surprised there's a few derogatory items that I've never opened in my life. The things listed on my applications are not mine. XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, ( Original Creditor : ). I have contacted the FTC and my local police and I am doing this all alone. Please remove these unknown items from my report : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX ( XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. XXXX. XXXX XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I graduated college in XX/XX/2011 and my loan at the time was around {$35000.00}, currently my balance is {$46000.00}. I feel I wasn't given the proper guidance and how to handle my loans. I feel there has been added on charges as well, as Navient has been know to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: DISCOVER BANK
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
GOOD AFTERNOON, I AM INQUIRING ON THE INSTABILITY OF THE FOLLOWING CREDITORS, FAILING TO REPORT INFORMATION AS THEY SHOULD TO EQUIFAX ( CREDIT REPORTING AGENCY ) : -XXXX -XXXX XXXX -DISCOVER FINANCIAL SERVICES  -XXXX XXXX ALL OF MY CREDIT INFORMATION WITH XXXX  WAS REPORTING FINE ON MY PREVIOUS REPORTS. THIS IS CRUCIAL, AND DISABLING THE ELIGIBILITY OF BEING ABLE TO BUY A HOME/OR GO THROUGH THE MORTGAGE PROCESS OVERALL. I HAVE BEEN IN CONTACT WITH MY CREDIT MONITORING REPRESENTATIVES, ALONG WITH XXXX  THEMSELVES. THEY STATE THAT EVERYTHING IS GOOD ON THEIR END. IN THIS CASE, THE ABOVE MENTIONED CREDITORS ARE NOT GOING BY WHAT THEY'RE ENTITLED TO DO. I AM REQUESTING FOR THEM TO START REPORTING MY INFORMATION AGAIN, I DO NOT WANT TO HAVE TO TAKE ANY LEGAL ACTIONS WITH THIS. I GREATLY APPRECIATE IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: Paypal Holdings, Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Balance being charged for purchases instead of payment method selected by customer. 
When using PayPal checkout to make a purchase with a 3rd party XXXX XXXX XXXX XXXX XXXX, I was presented with a screen asking me how I would like to pay. I selected my Credit Card on file with PayPal. However, upon further inspection I found that PayPal charged my PP balance without my consent instead of charging my credit card. 

Funds from my PayPal balance were withdrawn without my consent and used to pay for a transaction that I had chosen to put on a Credit Card. 

I filed a complaint also with the XXXX, and PayPal replied, expressly verifying my claim and stating that they did nothing wrong and will not change their behavior.

Company response to consumer: Closed with explanation