BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-21
Company: TRANSWORLD SYSTEMS INC
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I was attending catawba college and in 2010 i took classes at XXXX in hickory. My grandmother died in 2010 and long story short my information was stolen from my mail box in XXXX. At the mediation my school loan information was used to blackmail and sue me in the will hearing. I didnt realize that my uncle had accessed my info for XXXX XXXX XXXX and they allowed him to change the address and contact info to his information He then had the info mailed to his home. Now i havnt been able to access the info at all and am in collections. I was told that because i couldn't verify the info i was unable to access the loan. In addition to that 4years after leaving XXXX i find out that they believe i owe them money. However i went the entire year at the school and no one said anything about misfiled paper work. I now have a judgement against me and i can not get ANY HELP!!!!! I have over 100K $ in debt that i am not allowed to pay! My identity has been compromised.the only school loan that has not been affected is from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21
Company: ERC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
To whom it may concern : Hello i checked my XXXX XXXX account Sat XX/XX/XXXX at XXXX and found out this debt was on my credit report in collection from XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX FL XXXX number XXXX in the amount of {$200.00} date opened XX/XX/XXXX. Also it said original creditor XXXX XXXX XXXX and not once do i know of this account they never one time called or sent me a bill or letter explaining i owe a bill or if you do n't pay it will be on your credit report neither company. This is a problem for me .They just put it on my credit report without prior notice about anything. And this is what i would like to happen, is for it to be removed from all 3 credit bureaus and an apology letter from both companies saying this will be removed from my credit report and both companies to pay for my credit score being lowered because of their mistake in the amount of {$5000.00} each. They should not get away with affecting my credit score and they never once sent me a bill or letter i do n't know who or what this account is at all. I have no knowledge of this account. Thanks for your time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have requested proof of the debt for 5 months and they have not provided anything to verify or prove I opened an account. there is nothing with my signature or approval. I was a minor when this account was opened and it was not opened by me. I have attempted on several occasions to rectify this with XXXX XXXX yet they keep sending me the same letter over and over stating that they obtained a statement of the account when the purchased it. Regardless, they have not provided anything showing their method of verification or my signature. As you can see from my ID, I was a minor at the time this account was opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
RESURGENT CAP SRVCS LP Last reported XX/XX/XXXX {$8200.00} Open balance was reported- I am unaware of this debt. I sent a letter in XXXX of XXXX asking to send me the contractual agreement between myself and the creditor. I received a letter from them with a screenshot of my credit report displaying the account/information I have no knowledge of. I did advise of multiple fraudulent accounts on my credit as well. 



Validation Request Letter XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX SSN *** ** XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX Account # : XXXX Hey guys, I received your notice and am requesting full validation of the debt. Because I've been fraudulently contacted by debt collection companies in the past for unsubstantiated debts, I now require full validation on all claims. Please provide the following within 30 days from the date of your receipt : 1. Agreement that states your authority to collect on this alleged debt. 

2. Agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor.

3. Alleged account number.

4. Date this alleged debt became payable.

5. Original delinquency date.

6. Verification that this debt was assigned or sold to collector.

7. Complete accounting of alleged debt.

8. Name and address of the bonding agent for Collection Agency in case legal action becomes necessary.

Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back. 



XXXX XXXX I have not received documents requested/verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: Navient Solutions, LLC.
State: MS
Product: Debt collection
Sub-product: Private student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Navient has called my entire family and friends letting them know I had student loan debt. They have called my mom at work and even faxed proof of employment to her office ( where I do not work ). They harass my family daily even after they were told to stop. I have set up a payment plan with them and they still continue to harass everyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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'm here to ask for your assistance with regards to my dispute 60 days ago. I wasn't notified of any investigation taking place nor it's results. I hope that the accounts mentioned on my dispute will be deleted since all of them were misleading and falsely reported as being mine. Also, it's already past their investigation so everything must be deleted.

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 non-monetary relief
Consumer complaint received 2021-12-06
Company: EQUIFAX, INC.
State: AZ
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:
This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within XXXX ( XXXX ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.XXXX. XXXX XXXX, 1995 ), you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a a unverified account from XXXX XXXX XXXX XXXX XXXX. I had previously disputed this account with XXXX XXXX XXXX XXXX. I have never done business with your company or XXXX this account was never verfied and was deleted from my credit report. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX XXXX Provide verification of the following : 1. ) The original Application or contract 2. ) Any and all statements allegedly related to this debt 3. ) Any and all signed receipts 4. ) Any and all canceled checks 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-06
Company: The CBE Group, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
THE CBE GROUP INC-XXXX listed a debt on my credit report that I do not owe to XXXX XXXX for {$280.00}. They then listed the same debt, changing it by {$1.00} ( {$280.00} ) being owed to XXXX XXXX under the name XXXX on my credit report making it look like two separate debt collections. This has had a TREMENDOUSLY negative effect on my credit. It is a deceptive practice and has hurt my family 's ability to get housing, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: EQUIFAX, INC.
State: GA
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'm here to ask for your assistance with regards to my dispute 60 days ago. I wasn't notified of any investigation taking place nor it's results. I hope that the accounts mentioned on my dispute will be deleted since all of them were misleading and falsely reported as being mine. Also, it's already past their investigation so everything must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21
Company: Colony Brands, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A recent inquiry into my credit report with all 3 bureaus ( XXXX, XXXX  and XXXX ) made me aware of 2 accounts that report negatively on my credit bureau files. Research revealed that these 2 entities are owned by the parent company known as XXXX XXXX , XXXX . These 2 entities are XXXX XXXX and XXXX XXXX  XXXX. These debts are not mine, yet they appear on my credit bureau file ( s ) as charged off debts. 

The XXXX XXXX account appears with a balance due of {$150.00}. I have never had an account with this organization. The XXXX XXXX XXXX account appears on my credit bureau file ( s ) as an Unsecured loan account with a charged off balance of {$410.00}. I have never obtained a loan from this organization and based on the corporate description, was unaware that they offered such services. 

In correspondence dated XX/XX/XXXX ; I requested proof of my obligation to pay from both of these organizations. They responded with a letter requesting that I send them a police report for identity theft. I responded with a second letter dated XX/XX/XXXX again requesting validation in the form of ANY application for an account for credit or a contract bearing my signature. They both responded on XX/XX/XXXX with a print out of a bill ; which according to an FTC opinion letter is NOT sufficient proof that a debt belongs to a particular individual. 

According to the FCRA these debts have not been proven to belong to me and should therefore be removed from all 3 credit reporting agencies files. Subsequent requests for the same have not been honored by the credit bureas or by either of these organizations. The credit bureaus continue to report these debts as mine and I have also requested thier Method of Verification for these debts which they have yet to provide. A subsequent complaint regarding the actions or inaction of the 3 major credit bureaus is forthcoming. Additionally, I have a filed a complaint with the Better Business Bureau ( BBB ) in Wisconsin and am planning to file a complaint with the Texas Attorney General 's Office.

Company response to consumer: Untimely response
Consumer complaint received 2021-12-06
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:
This is a complaint about Paypal, but I will provide details for all parties involved. 

XX/XX/2021 - Online purchase from XXXX XXXX, XXXX for {$370.00}. The purchase was made from my Paypal using my XXXX bank credit card XX/XX/2021 - Filed a dispute with XXXX banks because XXXX XXXX, XXXX refused to refund after the returns were received. 

XX/XX/2021 - I closed the dispute with XXXX banks because XXXX XXXX, XXXX contacted me and said they would refund me. I received a refund of {$210.00} on XX/XX/XXXX, and {$160.00} on XX/XX/XXXX, totaling {$370.00} XX/XX/2021 - XXXX receive an email from PayPal stating that they've debited my PayPal account balance because I received a duplicate refund on my credit card. 

XXXX XXXX XXXX - XXXX contact PayPal about this problem, they said that they charged my PayPal account balance because when I filed my bank dispute, XXXX banks requested a refund from PayPal. Since PayPal is not authorized to request the money back from XXXX banks, they took money out of my account ( Even though I did not actually receive a duplicate refund ). 

Problem - I lost {$370.00} from this transaction because PayPal debited my account with a false claim.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-16
Company: EQUIFAX, INC.
State: TX
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 am writing this letter on my behave, I send a letter to Equifax consumer credit agency to dispute report on my credit fill. on the XX/XX/2020. The Investigation took more than 30 days I didn't received a letter back about this issues. This show I'm not treated fairly under law. 

Therefore, I want them to dismiss them, take them out of credit fill. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21
Company: WELLS FARGO & COMPANY
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My Wells Fargo credit card is currently past due and over the credit limit. I do not currently have the funds to make the payment and am waiting until I get paid again to bring my account back in good standing. Wells Fargo card services has repeadetly called me to the point of harassment and has not given me an opportunity to speak with a representative in order to inform them of payment intentions or request that they stop contacting me. I have documented below all of their calls that I have received within the past 7 days. 
XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX  XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX  XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX  XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX This totals 18 calls in the last 7 days. Up to 5 calls per day. 
I have received 2 letters in the mail regarding this same matter. I have made 5 different attempts to contact Wells Fargo Card Service at the phone number ( XXXX ) XXXX, ( not including the attempts that I made when answering these harassing phone calls ), and one attempt to contact Card Services at their regular customer service phone number ( XXXX ) XXXX, in order to inform them of my payment intentions and request that they stop harassing me since I am well aware of the debt that I owe. All of my attempts have been unsuccessful. When I ask to speak with a representative I am told by the automated system that my call is being connected to a representative, however the line then goes silent and after holding, the call drops. I will be submitting a written request by mail that Wells Fargo Card Services immediately stops contacting me regarding this matter.

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 non-monetary relief
Consumer complaint received 2020-02-06
Company: Navient Solutions, LLC.
State: DC
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: Their investigation did not fix an error on your report

Complaint:
I contact the 3 credit Bureau in regards to reporting inaccurate information on my credit report regarding inaccuracy about the dates of delinquency regarding my student loans. I asked repeatedly for them ti report the correct information or remove it from my credit report. Who hold my account to validate and provide me a copy of the investigation of my disputes in which they all refused to do so

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation.

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 non-monetary relief
Consumer complaint received 2018-01-24
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I send money to my Coinbase account I am waiting for wire transfers dated XXXX XXXX XXXX 2018 over 1000 It has been over two entire weeks since the first request and I have not received anything. I tried all Mail adresses for support available.Even the phone number is not working. Not even one anwser. I opened 3 cases on the company site and explained my situation. Also no anwser.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
good afternoon, ive been asking for Validation of debt owed to XXXX XXXX XXXX XXXX for a check that went to collection but has already been paid The Collection agency is 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 2018-01-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Equifax has not followed up with me on prior complaint CFPB XXXX. They are ignoring this complaint. On XX/XX/XXXX, they responded to referenced complaint # that they needed more time to follow-up, and if necessary, Equifax stated they would contact me directly. Today is XX/XX/XXXX. That 's more than 3 weeks later. I have not been contacted. 

Equifax, the answer is easy : please refund my entire year subscription fee since you failed to ever set a fraud alert on any of the credit bureaus during the 8 months that I paid for service. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation