BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have repeatedly contacted collections agency Portfolio Recovery to make them aware that i do not know of any accounts, nor do I own any collections account in the amount of {$5300.00}. I have sent letters and I have also disputed this account with XXXX, XXXX and XXXX. 
Currently on my credit report for all three bureaus it states Dispute resolvedcustomer agreed. I have NEVER agreed that that account belongs to me. This account was removed from all credit bureaus almost two years ago and now its back again. I requesting your help with the removal of this negative impact on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I filed Chapter XXXX in XX/XX/XXXX, and XXXX was notified and accepted voluntary surrender. My bankruptcy discharge was on XX/XX/XXXX. Within a month, I started disputes with CRA 's to correct information on my reports. At no point in the term of my loan was it late and the loan was current at the time of filing. 
As of their latest update, they are now reporting payment history beyond my discharge date. 
My reports should be showing XXXX balance, closed, and the notation of included in bankruptcy. They continue to report inaccurate information stating late payments ( which the account was never late ), and now are adding information dated beyond the discharge, which is causing irreparable damage during this difficult rebuild. I would consider this retaliatory behavior or active collection activity.

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 2021-10-20
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:
On XX/XX/XXXX Transunion received my letter exercising my rights under FCRA 611 ( a ) requesting a complete description of all methods of verification regarding a public record bankruptcy and they did not comply. I have documentation that they have received said letter on XX/XX/XXXX. I also asked within letter that I receive this information within 15 days of receipt or I expected the item in question to permanently be expunged from my record. XXXX did not comply.

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 2021-10-20
Company: Paypal Holdings, Inc
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
XXXX XXXX XXXX I have had my PayPal account for a little over a year. I've only had 1 transaction me paying for a XXXX account. I had gotten locked out of my Re-Employment account and was unable to claim 17 weeks of unemployment. Finally it was unlocked. The DEO deposited a little over {$5000.00} into my PayPal account. I initiated an instant transfer to my bank, it was denied. I tried a regular transfer, denied. i tried requesting a check be sent to me, denied. I tried sending money that I owe a friend for helping me pay rent. That transaction was denied as well. I added another account and tried transferring MY money out, DENIED. I sent a message requesting help. I was answered by my account being limited and having to verify my identity. I did immediately. It passed verification and limits lifted. I tried again to transfer money out and was answered with limits again. I had to answer questions about where my deposits came from and why i received it. I explained my situation with FL DEO and unemployment. Keep in mind Paypal was advertising to have your government checks direct deposited into your PayPal account. I did what they advertised and now i have no access to MY MONEY! I logged into my PayPal the next morning to find PayPal had closed my account and I would not be able to access my money for 180 days. They said I violated their terms and agreement and gave me no explanation. I requested their evidence as to what I violated, no answer. Paypal is holding my funds illegally. They are in breach of their own contract. The Paypal Balance Terms and Conditions states : " Hold your Balance Account balance for up to 180 days if reasonably needed to protect against the risk of liability or if you have violated our Acceptable Use Policy ; '' There is no risk of liability because I have not abused my paypal account in the past, i have no chargebacks, or even recent transactions. I only wanted to transfer MY MONEY out. I verified all my information and explained my money came from Unemployment. I did not violate their Acceptable Use Policy either. PayPal is not responding to my request for sn explanation as to what terms and conditions I supposedly violated. Due to their own Breach of Contract they have bo right to hold my funds for 180 days and collect interest illegally

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-28
Company: Ocwen Financial Corporation
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
During the month of XXXX 2020, I contacted PHH to inform the company not to pay my homeowners insurance due on XXXX XXXX, 2020. It was my decision to pay myself. I also informed the representative that I would be paying off the balance of my escrow in XXXX and XXXX of 2020 to lower my mortgage and avoid any more interest payments on escrow monies owed PHH. PHH informed me that they would send a form that I must sign and return to them. The letter of instruction was sent to me and returned signed via USPS in XXXX 2020. My mortgage payment at the time was $ XXXX/month which included an escrow payment of {$360.00}. Additional information found for the month of the XXXX statement was {$1500.00} owed towards the escrow. On XXXX XXXX, 2020 I paid a total of {$1500.00} which included the {$810.00} towards the mortgage payment. In addition, the amount of {$770.00} was applied towards the escrow. The amount {$770.00} paid was designated in the escrow category on their website. On XX/XX/XXXX20 I spoke with a representative of PHH to ensure that it was recorded for the specific amount to lower my escrow owed. The representative assured me it would be updated and my new monthly payment would reflect a change. Upon reviewing my newest online information on XX/XX/XXXX20 it was found that my new monthly payment was {$790.00} due on XXXX/XXXX/20 however, there was no indication that I paid {$770.00} towards the escrow. After contesting that the previous two months escrows were never applied towards the stated {$1500.00}, the representative then explained I made an over-payment and {$170.00} would be refunded to me by mail. In further review of the XXXX statement it was discovered that my new escrow payment was now {$2800.00}. On XX/XX/XXXX20 to confirm our agreement of my sole responsibility to pay my own insurance it was learned from their representative that they have no written information of my signed release. After debating my previous conversations it was charged to the representative that I would be escrowing my taxes only and paying my homeownwers insurance out of pocket. The representative explained to allow PHH at least 10 working days to update my account of which they have disregarded to do from previous telephone conversations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: Experian Information Solutions Inc.
State: IN
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2021-10-20
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
There was a Home Depot Promotional offer put on my account that I was not aware of until the end of XXXX. Talking to customer service they told me that when you make a purchase over XXXX you get XXXX interest for 6 to 24 months which I was not aware of. Paying more than the minimum payment to help pay off my debt I was told that interest would be applied to my account in XX/XX/XXXX from the promotion that I was not aware of then they extended to XXXX XXXXi send extra monies and they did applied it to there promotion that I was not aware of until I called and ask them why the monies was not being applied to my account they tried to making adjustment but only did it for XXXX not XXXX.Started auto pay too off set the payments so i could get these promotion pay off and separate the monies i was sending to Home depot they take off auto payments and did the same thing again not applying the monies to the promotion. now i will be hit with a XXXX in interest on XX/XX/XXXX that i have already paid if the would of applied the extra monies to there promotion in XXXX and XXXX now they say they can not go back one year and make adjustments. I have all my statement showing the extra money being send.

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 2021-10-20
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 fraud alerts or security freezes

Complaint:
Trans Union has my credit file locked. I am trying to get my credit file un locked. Trans Union provides instruction through its service XXXX XXXX on how to do that. They provided a website that tells me I can cancel my true identity account which will unlock my credit file on line. A web link is provided in there service agreement which states that by going to the page I can select the link and cancel at anytime however when you navigate to the link provided there is no way to cancel the true identity account. The link is XXXX XXXX XXXX XXXX There is a phone number provided XXXX however it does not offer anyway to cancel, or get to a person. There is a prompt that tells you to select if you want to unlock your account but when it is selected the call disconnects and I am hung up on every time.

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 2020-04-27
Company: BTH Management
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This company PLAZA SERVICES, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX Phone Number ( XXXX ) XXXX Has purchased an account from XXXX XXXX XXXX and reported as in collections on my credit report. Personify partners with XXXX XXXX XXXX  to offer illegal loans. Both companies are not licensed through Michigan Department of Insurance and Financial Services and are not able to loan to Michigan residents. This company is impossible to deal with on the phone. The representatives are very rude and threatens to file a lawsuit, and will disconnect the call. They also contact family members unnecessarily. This debt is not valid. It is also in violation of Michigan Statuary Interest Rate Ceilings. 

XXXX XXXX XXXX XX/XX/1967 XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: EQUIFAX, INC.
State: AL
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 received a copy of my credit report and, to my surprise, you are reporting a lot of incorrect information. You have several incorrect personal identifiers listed in my credit file and I am requesting that you remove any information that is not completely accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09
Company: Nelnet, 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:
nelnet : XXXX  removed a dispute and added it back on without notifying me Law dictations that they notify me 5 days before doing so The unlawful act needs to be removed ITS THE LAW

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: EQUIFAX, INC.
State: PA
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:
XXXX and Equifax are infringing upon my rights to privacy pursuant to 15 usc 1681 ( a ) ( 4 ) YOU HAVE A GRAVE RESPONSIBILITY to respect my rights to privacy. I DID NOT GIVE my writing consent for either of these companies to report anything to my consumer report, and you reporting these accounts to my report is a VIOLATION!!!!! Pursuant to 15 usc 1681a ( 3 ) ( e ) there is NO reason for you to do investigation, because if anything comes back factual it can not be furnished on my consumer report! SO THE BEST OPTION is for you to DELETE IMMEDIATELY! 

These are the accounts that need to be removed : - XXXX XXXX XXXX XXXX XXXX Account Number : XXXX - XXXX XXXX - Account Number : XXXX - XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: EQUIFAX, INC.
State: TX
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:
On XX/XX/2021 I sent certified mail to Equifax advising them of me being a victim of Identity theft and I do have the Certified Mail receipts. It has been over 30 days since EQUIFAX received my correspondence which contained my VALID DRIVERS LICENSE, Notarized FTC ID THEFT AFFIDAVIT, FTC Report and I have not received any other notices that the FALSE information therein was DELETED, and yet this FALSE inaccurate information still remains on my file with the last investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: DISCOVER BANK
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
My sister XXXX XXXX added me as a authorized user to her Discover account. XXXX listed the Florida address on my report but refuses to place the account on my credit bureau which would raise my score. Im shopping for a home loan, and the account would help me. The credit bureaus only list information that hurts me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: CITIBANK, N.A.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Citi bank said they sent me a check for my remaining funds. They said 30-60 days for the check to be mailed. The account was closed in XXXX. Near the end of the month. Without any info. I went to DC last month and went into a branch I was told the same exact thing as before but its been well over 90 days! I need my money. I have every right to it. $ 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 2021-10-20
Company: SUNRISE CREDIT SERVICES, 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 previously received a letter from XXXX XXXX XXXX  sometime in XX/XX/XXXX concerning a transaction on my bank account. I sent them a letter XXXX XXXX discussing the matter and disputing their claim, in which they never responded. This account was sold or sent to Sunrise Credit Service without any investigation or answer to my dispute. I then viewed my credit report noting an alleged account to Sunrise Credit, saying that I owed them {$1700.00} on my reports. On XX/XX/XXXX, I sent them a dispute asking them, among other things, to verify and validate the claim, showing a contractual obligation with my signature showing that we had done business or that I had owed them. They then sent me a bill but no contract or other obligation with my signature or anything to prove they had the right person or it was me. On XX/XX/XXXX, I sent them a final goodwill attempt, with law showing the same allegations asking them to clear up this matter or prove that this account was mine. They disregarded or ignored my request again, sending me the same bill, with no explanations. I understand with federal and state law, under the FDCPA, FCRA, and others, that consumers have rights, particularly, to have alleged debts be verified.

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 2018-01-29
Company: EQUIFAX, INC.
State: AR
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 recently received my credit report XX/XX/XXXX from all three bureaus and I noticed multiple inquiries from what looks to be auto finance companies and banks. I filed an identity theft complaint with the FTC XX/XX/XXXX and froze my XXXX  credit file ( online ). I named each inquiry to the XXXX rep as she removed the inquiries. I'm awaiting a updated copy of my report. I contacted XXXX and noticed several inquiries that I complained about around XX/XX/XXXX ( and was told were deleted ) that were reinserted for some reason. Both XXXX and Equifax stated I would have to reach out to the merchants to dispute the inquiries. 

I do not believe this can possibly be right, being that I NEVER authorized any of these inquiries which is why I filed an id theft report with the FTC. Not only should I not have to reach out to someone I have no business with, but these reporting agencies shouldn't be allowed to report inaccurate and unauthorized information. 

I can say I have two vehicles that are account holding and am NOT in search of a new vehicle nor any form of credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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, XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : 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 2021-10-20
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
My sister XXXX XXXX added me as a authorized user to her XXXX account. Experian listed the Florida address on my report but refuses to place the account on my credit bureau which would raise my score. Im shopping for a home loan, and the account would help me. The credit bureaus only list information that hurts me.

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 2021-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
My sister XXXX XXXX added me as a authorized user to her XXXX account. XXXX listed the Florida address on my report but refuses to place the account on my credit bureau which would raise my score. Im shopping for a home loan, and the account would help me. The credit bureaus only list information that hurts me.

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