BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
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:
This company was contacted 3 times in writing advising that I am disputing and requesting validation of the debt. I have also disputed on my credit report several times as well. I do not recognize this company or the debt being reported to my credit. 

I have never received an initial notification from this company advising me of the debt they claim I owe or providing me my right to dispute/request validation. This account was discovered after me taking initiative to pull my credit report. 

This company has not responded in 7 months. They are ignoring my written correspondence and request for validation. They are updating my credit report disputes as " verified as reported '' but have not complied with the FCRA by sending me proof of the debt. This is illegal and unethical. I believe they should be investigated as there may be many more people affected by the illegal practices. I intend to also file an attorney general complaint as well as a XXXX  complaint. I will also be seeking legal action against this company for failure to adhere to the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09
Company: Nationwide Recovery Systems, Ltd
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:
The aforementioned credit collection agency representing XXXX XXXX has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX, XXXX and XXXX. 

The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If XXXX XXXX XXXX, XXXX does not have any documentation, they need to retract this from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: Experian Information Solutions Inc.
State: CA
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:
In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX XXXX Account number : XXXX, XXXX XXXX XXXX Account Number : XXXX has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-08-12
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 

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 non-monetary relief
Consumer complaint received 2017-11-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX. I called Bank of America to transfer money from my saving account to my mortgage. I was given a confirmation number afterwards, I had enough money in my saving account to make my mortgage payment. I was told by several Bank of America Supervisors that I had taken the proper steps, my payment was intentionally posted on XX/XX/XXXX, which they intentionally tried to make late on my mortgage for XX/XX/XXXX and XXXX XXXX, I had never been late or missed a payment. I had requested for it to be paid on XX/XX/XXXX. My mortgage payment was reverse to Bank of America bank account. Please refund {$770.00} towards my XX/XX/XXXX mortgage payment so that it can be paid in full. My instructions were n't followed as a valuable customer. I am requesting that you investigate my mortgage payment to see where it went and pay for my arbitration. I no longer want to be a customer of Bank of America. They are horrible. From a scale to 1-10. I give them a zero. Their customer service is extremely horrible. Bank of America had not attended to resolve any issues.

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 2022-03-03
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Pursuant to 1692g, i am requesting the Method of Verification for the following disputed account This is in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ) I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, i did not give you Credit Reporting Agency permission to furnish this this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. 

There is an errant account on the credit report and it needs to be removed. Also enclosed please find Debt Validation and ID Theft report reporting the identity fraud. By law the account must be removed from the credit report. Please send an updated credit report with the outcome to this official dispute of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I contacted XXXX XXXX on XX/XX/XXXX in reference to two alleged late payments on XX/XX/XXXX ( 30 Days ) and XX/XX/XXXX ( 90 Days ). I reviewed the information that was provided to me by XXXX XXXX and I disagree with this information reporting via XXXX, Equifax, and XXXX. 

I never was late on these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I contacted XXXX XXXX on XX/XX/XXXX in reference to two alleged late payments on XX/XX/XXXX ( 30 Days ) and XX/XX/XXXX ( 90 Days ). I reviewed the information that was provided to me by XXXX XXXX and I disagree with this information reporting via Transunion, XXXX, and XXXX. 

I never was late on these accounts.

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 2022-03-03
Company: Paypal Holdings, Inc
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
On XX/XX/2022, I received an email from Venmo stating that my account was going to be frozen. I responded to that email immediately upon receiving it, and for days afterwards. I also received a separate email, asking for a copy of my photo ID, which I sent immediately upon receiving that email. I tried calling Venmo and was told I have to keep responding to the original email chain that sent me the notice. I also used the chat option, where each customer service representative told me the same thing : respond to the original email chain that sent the notice. I want to know what I did wrong that warrants a frozen account and that is having Venmo withhold my money from me for up to 180 days, they claim. The only answer I have gotten is that I violated their User Agreement, but they won't tell me how. I have read through the user agreement multiple times and find nothing that I did wrong. I want them to release my funds ( which is {$5000.00} as of today, XX/XX/2022 ) to me and I promise I will never use their platform again, even though I did nothing wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 accounts are not mine. I ask yo to investigate this immediately because I can not get the point that someone used my personal data and now I have to suffer financially because of the error in reporting and because of the fact that these accounts damaged my score!!!! So how should I plan my life financially now? Remove them all please.

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 2017-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have contacted the Credit Reporting Agencies about the hard inquiries on my credit report and have been told to contact the companies who requested the report and to have them deleted. I called XXXX XXXX XXXX XXXX and have been told they do no delete hard inquiries even though I did not authorize the inquiry. I called back Transunion to advise them of the statement from XXXX XXXX XXXX XXXX. I have disputed and written letters and I have been continuously told by Transunion the hard inquiry will not be deleted even though I did not authorize anyone to check my credit file. I am asking for your help because I am given the same answer which is not fair to me as the credit when I did not not ask for the hard inquiry with XXXX XXXX XXXX XXXX. I have continued to request a deletion to no avail. Please advise if you can assist me with this.

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 2020-09-25
Company: SYNCHRONY FINANCIAL
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
This is Note to Synchrony bank. I wan na be clear and understandable, Synchrony bank has Ignore every piece of paper I have send, and all writing letter to the Synchrony bank. I have Placing, the NOTICE TO CEASE AND DESIST LETTER. WITH MY UCC-1, with my private security agreement. 
File XXXX # XXXX.THAT WAS Enough. Breaking my secret agreement I had enough with synchrony bank., XXXX the do has my trade name copyright. XXXX XXXX XXXX. 
My cell phone number is a private property my name is a private property I have put a warning they ignore the warning what is next, is action to put a lawsuit against them. I have enough evidence to back my claim. I can not deal with synchrony bank anymore, They are not respond in respect my privacy. they have Break the uniform commercial code. I can charge Synchrony bank for every action they have make.

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 2022-03-03
Company: AES/PHEAA
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I was automatically placed into forbearance in XX/XX/XXXX when I began a ( second ) XXXX XXXX XXXX program. I contacted FedLoan in XX/XX/XXXX to request removal from forbearance. FedLoan informed me they would do so, but it would take several months. FedLoan also said it would count the payments made during the time I was in forbearance towards the PSLF program. 

Since then, I've submitted multiple employment certification forms, and FedLoan never counts the payments made in XXXX, XXXX, and XX/XX/XXXX towards forgiveness. I spoke with XXXX, a customer service representative, on XX/XX/XXXX, who informed me that he was going to re-issue statements for XXXX and XXXX. He would similarly issue a statement for XXXX. FedLoan would then recognize these payments for forgiveness. 

I reached out to FedLoan via email on XX/XX/XXXX for a status update. I received a response on XX/XX/XXXX that these payments were submitted for manual review. I haven't received an update since then.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-03
Company: Experian Information Solutions Inc.
State: CA
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:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please resolve the following accounts completely from my Credit Reports : 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 2022-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please resolve the following accounts completely from my Credit Reports : 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 non-monetary relief
Consumer complaint received 2017-11-13
Company: GREAT LAKES
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I contacted Great Lakes on XX/XX/XXXX in reference to two alleged late payments on XX/XX/XXXX ( 30 Days ) and XX/XX/XXXX ( 90 Days ). I reviewed the information that was provided to me by Great Lakes and I disagree with this information reporting via XXXX, XXXX, and XXXX. 

I never was late on these accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13
Company: BYL Collection Services
State: AZ
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:
BYL Sevices furnished derogatory information to XXXX XXXX and XXXX. BYL Services did so without notifying me 30 days prior to, or no later than 30 days after such furnishing. BYL Services violated a statue of the Fair Credit Reporting Act, section 623, subsection ( 7 ) ( A ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
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: Their investigation did not fix an error on your report

Complaint:
Please be advised that I am the victim of identity theft, a result of which is the reporting of negative information on my credit report. In accordance with the provisions of XXXX, I hereby request that such negative information be blocked from my report. The specific information that I am requesting be blocked is as follows : XXXX FXXXX 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  As required by XXXX and in support of my request, I am including a copy of my police report And police report filed with a law enforcement agency. I also hereby request, in accordance with the provisions of XXXX, that you promptly notify the company or companies providing the false and negative information that the information provided by them is the result of an identity theft, an identity theft report has been filed, and an information block has been requested. Thank you in advance for your assistance in this matter. 

XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/1956 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL 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 non-monetary relief
Consumer complaint received 2022-03-03
Company: Experian Information Solutions Inc.
State: PA
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:
accounts were created from unauthorized use of my social security and i did not consent to, authorize nor benefit from any of the following I plus these are negative item created under my social security number block and remove them.

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 2022-03-03
Company: AmeriHome Mortgage Company, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The topics for issues did not really apply to my issue. I am trying to request a Verification of Mortgage from my current mortgage company, Amerihome, as I am working on refinancing with another company. I began requesting this document on XX/XX/XXXX. I was given the option of how I would like to receive it and I requested email. I was told I would receive it in 24-48 hours. I called back on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX. Each time I am on hold and passed around for XXXX hour phone calls. On two of the days I called multiple times. I have been told repeatedly I would receive the papers in 24-48 hours or up to 72 hours. I still have not received them. In the meantime several of these calls I was approached about doing my refinance thru their company as my other refinance has not finished yet- since I have not received the papers. Today I was told it would be sent today via fax to my loan agent, but still do not have the papers. Ive received different stories from almost every agent Ive spoken to. All I would like is the XXXX sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15
Company: Experian Information Solutions Inc.
State: MS
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:
I got 67 inquiries need to be remove from credit report

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 2017-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have submitted several written requests to TransUnion Credit Reporting agency to verify and validate incorrect information in my credit report. I have also asked them to supply the signed documents as proof that the creditor has the right to report this fraudulent information on my report. They have consistently ignored my request for proof and stated that the items were " verified ''. How were they verified when there was no proof sent? By which measure was this account verified if there are no signed documents to show? This Credit Reporting Agency is willfully ignoring the FCRA and my request for proof of valid verification on accounts on my credit report. They have also insulted me as calling my requests frivolous, and denying my repeated request for verification. I am disgusted with there business practice and willful disobedience of Federal Law.

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