BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-21
Company: AmeriCollect
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I applied and was granted a financial assistance/ payment assistance after evaluation of my taxes and pay stub by XXXX XXXX XXXX XXXX XXXX I have a XXXX  balance screen shot given by XXXX XXXX from XXXX XXXX XXXX XXXX financial Department given XX/XX/XXXX I have a XXXX  balance statement and sent cerify mail for them to validate my financial and legal obligation and also nor AMERICOLLECT OR XXXX XXXX XXXX XXXX have not responded to that. 
Acct # XXXX Date of service XX/XX/XXXX Account # XXXX emergency services ( wiht no date of service printed on the bill ). 
Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of service XX/XX/XXXX. And XX/XX/XXXX Including any related accounts and bill that may not be included on this letter under my name XXXX XXXX and SS ending on XXXX. 

This Is the third communication sent to : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. 
And XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX. 

And AMERICOLLECT from XXXX XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2022-12-13
Company: Experian Information Solutions Inc.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Ive attached the responses that Ive received from Experian. Despite allowing XXXX XXXX to put fraudulent debt on my credit report, I was informed today that if XXXX XXXX decides to put this fraudulent information BACK on my credit report, that Experian will accept the information and place the fraudulent debt BACK on my credit report and I will have to dispute this AGAIN! Then advised me to report their intentions to the FTC and CFPB and the Federal Reserve. Experian should be shut down. This company should not have access to consumers credit or be allowed to alter it in any manner they see fit. I fully intend to file a lawsuit against Experian. This is the most ridiculous practice Ive ever seen in my life. Companies should not be allowed to put fraudulent information on your credit report. They most certainly shouldnt be allowed to come back and put that information back on your credit report after youve disputed it and it has been removed. Experian must be fined and forced to shut down. The actions they are taking are whats keeping them in business.

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 2020-09-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Portfolio Recovery Services continues to report an alleged debt that they can not validate, Nor does any of the alleged debt follow the Metro 2 format of reporting which is an instant violation furthermore I have disputed this alleged debt so many times I recently disputed them reinserting the item on my file without sending me a 5- day notice this company thinks it is above the law and standard being enforced I asked this company to provide me with the original contract Highlighting that their company is authorized to collect this alleged debt as a third party collection clause in case I default on the alleged debt with the Original creditor but I didn't receive it, I asked for the 1099-OID Original Issue discount I also didn't receive it all I recieve was a letter saying that I am no longer obligated to pay this alleged debt ... .. But does that give the right to report it without proper validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
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: Account information incorrect

Complaint:
On XX/XX/2023 XXXX. XXXX, XXXX XXXX XXXX reported a late payment to the credit bureau.XXXX XXXX  violated my rights Under Section 4021 of the CARES Act, the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et. seq., ( is amended to impose new reporting requirements on institutions that furnish credit information to credit reporting agencies ). 
this violation occurred by XXXX XXXX XXXX XXXX  reporting negative information to the credit bureau on a accommodated account that was in good standing to which the account was not late under above state cares act. 
XXXX XXXX XXXX XXXX  also violated, my rights under the FCRA Section 623 ( a ) ( 1 ) ( A ) by reporting incorrect and inaccurate information to the credit bureau. You are reporting {$0.00} balance and never late on my XXXX report with a {$8600.00} balance on my transunion report and never late. With a balance on my Experian report of {$8600.00}. The monthly payment is reporting differently on all the credit bureau as well. This information is all coming from your company so it should be reporting the same but its not therefore this information is inaccurate and incorrect,

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 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Im accordance with the Fair Credit Reporting. The list or accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX 15 U.S.C 1681 section 602 A States that I have the right to privacy.

15 U.S.C 1681 Section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written consent or instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States that no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer or to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.

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 2023-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I have attached a letter from my attorney and an FTC report with the account in questions, this XXXX XXXX XXXX XXXX account is in litigation and needs to be deleted from all three of my credit reports

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 2023-09-13
Company: American Credit Acceptance, LLC
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This company is claiming that I was late on my car payment when I never was and I want it fixed or removed off my credit report - it is impossible to get anyone on the phone to fix the situation so I'm resorting to involving the CFPB

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-05
Company: FORD MOTOR CREDIT CO.
State: IL
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 received a copy of my updated XXXX credit report and observed a hard inquiry on XX/XX/2018 from ford credit and XX/XX/2018 from XXXX XXXX XXXX dealership..I did not authorize these inquiries on my credit report and I did not even walk into XXXX XXXX  XXXX dealership on XX/XX/2018. Ford motor company has not given me written documented proof I consented to these hard inquiries as required per section 605 and section 609 of the federal credit reporting act and proof of accuracy of inquiries as required per section 623 of the federal credit reporting act..I have been a victim of identity theft in the past per my fraud alert on my XXXX credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: EQUIFAX, 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:
Since nearly 60 years ago I've been harassed by a collection company that has medical bills having nothing to do with me I've asked for reports and proof and nothing has been furnished they are in violation of the fcra reporting laws and federal debt collection act. Please produce original signatures or stop harassing me and remove it from my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
According to FCRA 15 USC 1692a, Communication is defined as the conveying of information regarding a debt directly or indirectly to any person through any medium. 
Also FCRA FCRA 15 USC 1692c states that without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt, also in this section in regards to ceasing communications, ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except -- ( 1 ) to advise the consumer that the debt collector 's further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt. 
PRA has admitted to receiving a cease and desist order from me in a previous complaint XXXX as it pertains to this alleged debt. They are directly responsible for the reporting of this debt to the consumer reporting agencies and therefore are responsible for the information being removed from those same agencies. 
FCRA rules clearly support the fact that reporting this information to a credit reporting agency is communication of the debt, furthermore it is communication to a third party. I have not, under any circumstance, given PRA permission to report this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: Paypal Holdings, Inc
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
i have had a paypal account for years and never had issue with accessing my account. now paypal is demanding a cell phone and number or i can not access my account online. the issue is i do not have one to give them and i do not see the need to buy a phone and service to access the account which is rarely done. most companies use an email or a phone call to verify it is me. i have a landline which is on the account and i have an email which is on the account but they refuse to use them so i am locked out. 
i am XXXX years old and have issue with touch screens as i have low capacitance in my body so the screens do not work well. i use a computer and keyboard.

the so called cell phone is also a security breach so it really is not any better as sims can be copied and hacked.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-24
Company: EQUIFAX, INC.
State: FL
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: Capio Partners, LLC
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: Their investigation did not fix an error on your report

Complaint:
I was attempting to purchase a home and I realize I had damages on my credit report according to the 15 USC 1681 LAW there should not be any damages on my report because that is defamation to my character.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-10
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
MCM bought in  XXXX  XXXX  an Identity Theft debt from  XXXX    XXXX   which was disputed in   XXXX  ,  XXXX  had already removed it from CRA and then started to report it again. I have disputed the account through MCM but they have not yet mailed me the requested documents.  XXXX  says the account belongs to MCM, I am a victim of Identity Theft, this debt is not mine. I have provided a FTC Identity Theft Report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-21
Company: JPMORGAN CHASE & CO.
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I had a United Airlines charge to dispute with Chase back in XX/XX/2020. The Chase website said that I had to email " XXXX '' to dispute, due to the high volume of COVID-19 related disputes. Here is a copy of the email I sent that address : " On Monday XXXX XXXX I attempted to purchase a ticket on the United Airlines website with my XXXX XXXX XXXX XXXX, and received and Error message " XXXX can not process at this time, try again later '' or something like that. 

I thought my card choice may have been wrong so I attempted to purchase the same flight again with my Chase card : XXXX. I received the same error code. I checked my email a few seconds later and receipts for both tickets arrived in my inbox. 

I used the ticket from the original purchase with confirmation number : : XXXX, assuming that the error is obvious since I would not purchase two tickets for myself for the same flight path. 

At the United ticket counter the attendants verbally promised to give me a " corporate refund '' since it was the mistake of the United website. After I noticed that neither purchase refunded, I contacted the United refund department and explained the situation, they denied my refund and chance to appeal. 

Please help me dispute the charge for this Chase card purchase, confirmation number : XXXX. I would not have purchased this flight unless the United website told me to try again. 

Thank you, XXXX XXXX " END OF EMAIL At this point I have not received any response from Chase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-02
Company: Experian Information Solutions Inc.
State: AR
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 was informed by my bank lender that I was not approved for a home equity loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible.

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 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
This is a formal complaint to inform you that the accounts listed below are reporting erroneously & are inaccurate. The furnishers are reporting these accounts inaccurately. They informed me they had an internal issue & posted me past due. Please investigate these accounts & please update the accounts to a positive status of open/never late or paid/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof 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 2017-12-18
Company: Navient Solutions, LLC.
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Hi there, I took out student loans with XXXX XXXX which are now services by Navient. Since I started re-payments, my account has been a mess and the payments have been misapplied and I have been defaulted apparently and they have then re-applied them after I have complained. 

Recently, i have looked into this further and they have misapplied my payments throughout XXXX and once they no longer accepted by XXXX debit card for payment as it was deemed a credit card on their system, i was left with no help trying to get payment to them and XXXX options since I do not have a XXXX bank account. I found an alternative to this by using a transferwise.com website to make payment to their lock box account. The representative that helped me set that up in XXXX also confirmed that I should be making a lower payment which i questioned and he confirmed that I should be paying the lower amount. I then found out that all my loans are in default because the amount i was to be paying is incorrect and not covering all loans. I have requested numerous times to have these calls researched and have complained and nothing still has been done. 

I am now in the US for the holidays and wanted to rectify the matter and was just told from their staff they can a request research yet again into the problem but that they could n't take any payment today or help me. I am a XXXX XXXX XXXX woman who has had both federal loans which are paid off now and private loans from XXXX XXXX for education in the XXXX and I feel like I am being cheated by Navient with bad information and also with the constant misapplied payments. I am trying to pay these off and probably are in a lucky position where I can make payments every month however I feel that the company are acting illegally and i am being penalized for this. 

I feel that I have no other option other to contact you to complain and to gain advice. I am in the US until the XXXX XXXX and I understand you may receive thousands of complaints from Navient but would really appreciate you getting in touch before I leave the country. The best contact number to reach me on is XXXX. The above I hope is a snapshot of the issue and hope you find it to be of some clarity. 

Many thanks, XXXX XXXX

Company response to consumer: Closed with explanation