BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-04
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 recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/2020 and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX of XXXX I was involved in a eviction with my apartment complex due to nonpayment of rent. I was order to pay the apartment complex {$2300.00}. At that time I was under the XXXX XXXX XXXX XXXX for HUD XXXX, and was referred eviction/ rental assistance to pay off amount. The veteran agency issued the apartment complex XXXX XXXX a check on XX/XX/XXXX and the paid/ cleared date of the check was on XX/XX/XXXX in the amount of {$2600.00}. 

XXXX apartments sent account to the collection agency National credit System XX/XX/XXXX for the amount of {$2300.00}. 
I tried to contact National credit System XX/XX/XXXX and XXXX XXXX in which i sent documentation of proof of payment. and they decline to delete due to paying prior to going into collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: Navient Solutions, LLC.
State: OH
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I receive multiple calls from Navient on a daily basis in regards to my student loans. I was told by a lawyer that I can request that they not call or contact me by phone. I made this request to Navient but continued to receive numerous calls each day, when I asked why I was still receiving calls I was told that I did not make my request in writing. In response I sent Navient a cease and desist letter informing them that I do not want to receive any calls. To this day I am still receiving call from Navient on an hourly basis.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
Company: Experian Information Solutions 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:
In my previous complaint i advised Experian of the Identity theft that has occurred and advised them of this information, as well as provided a FTC Law Enforcement Affidavit that was sent to the XXXX PD as well. When my wallet was stolen over two years ago my information was used and there were accounts opened fraudulently in my name. Not only were these Banks notified, Experian also stated they blocked the incorrect information from reporting. I still show the Credit Card from XXXX  XXXX XXXX displaying on my Experian report. This is a fraudulent account, i never opened this account nor did i receive any benefit from this account nor did i ever receive a card from them. Additionally Experian advised me in my previous response that they have complied and have followed the FCRA Requirements per my Identity theft documentation and proof to block these accounts. They did block one of the XXXX XXXX XXXX Cards, however they did not block both. Like i stated, additionally there is an inquiry from XXXX XXXX XXXX from XX/XX/XXXX, that i did not authorize nor apply for any credit with that i wish to be blocked. Additionally there is an inquiry from XXXX  XXXX XXXX on XX/XX/XXXX which i did not authorize nor apply for and they stated they didn't pull credit since my report was frozen. Please block these accounts and update me once its been blocked with a new copy of my report as well as the inquiries.

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 2019-01-14
Company: Ascendium Education Group
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:
I am so frustrated with all three credit bureau, I been writing since 7 month ago been asking for them to dispute all this unknown item on my credit report nothing I been ask for prove from all three credit bureau no prove was sent I wrote all the collection company nothing was done I am in need of help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02
Company: Diversified Consultants, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/XXXX diversified consultants reported as COLLECTIONS on my credit report for XXXX for {$210.00}. I only became aware of this by viewing my credit report. XXXX was charging me for invalid charges and talked to them several times on the phone to get it resolved and finally had to go to one of there locations at XXXX XXXX XXXX XXXX # XXXX XXXX , XXXX XXXX to get it resolved. They got it resolved and said if I owed anything it would be a couple of dollars and i would receive a bill if so. I never received a bill, a phone call or any type of notification. It was n't until I seen it on my credit report on XX/XX/XXXX and called diversified consultants and XXXX to get resolved once again. I paid diversified consultants immediately the {$9.00} & some change and told the gentleman I was on the phone with that I NEVER was made aware that I owed this {$9.00} & change or I would have paid for it and to please remove it from my credit. He advised me I had to call XXXX. I called XXXX and they said I had to call diversified consultants, so it was a back & forth game.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-05
Company: EOS Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Two calls per day during work hours. Phone number used is XXXX. I have no account with this company so this is unsolicited communications. Any debt is invalid and any negative reports on my credit should be removed promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2018 someone made a purchase at XXXX using my account information, some how they got my pin number. I've had the same pin number for years and have never wrote it down. When I first made the claim the person i made the claim with said some must have gotten my card information from a scammer and generated a pin number. The person also made a balance inquiry at a non Chase atm using a pin number. When I inquired about why they denied the claim Chase said it was because a pin was used. I contacted XXXX and they said the person tried to use another card first but it was declined, then they used my account information and pin and the transaction went through. When I explained this to chase they said that this didn't matter. I've never been to the XXXX where my account information was used or the atm where the balance inquires were made. So both Chase and XXXX claim there's nothing they can do. Neither is willing to investigate further.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
XXXX XXXX & trans union all report an unverified delinquent account ( XXXX XXXX XXXX charge off ) to my credit profile. i have filled mail in disputes with all three bureaus as of XX/XX/2021. i have also mailed demand to comply letters. still no response.

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 2019-09-09
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
BARCLAYS BANK OF DELAWARE REFUSING TO ACCEPT PAYMENT FOR DEBT THAT HAS CAUSED A LIEN ON MY PROPERTY. 

A lien was put on my property back in XXXX after a credit card debt was not paid. Barclays put a lien on my property which I only became aware of 2 months ago ( XX/XX/XXXX ) since I was trying to refinance my home. My ex-husband ( who caused the credit card debt ) had recently signed off the deed and my attempts to resolve the issue have failed, due to lack of cooperation and information from Barclays in order for the debt to be paid. 
The credit card debt was sent to a lawyers office in charge of collections for the credit card debt. This was temporary and we were told by his office that the debt was back in Barclays hands. 
Barclays has refused to accept the payment to tell us where the payment should be and that if we did send a payment we would NOT get a receipt. 

The lien on the property wont go away until the debt is paid. We have the money to pay this debt but we are told that they cant give us information on this account and they cant talk about it. For a month now ( starting XX/XX/XXXX ) we have tried to contact Barclays using many different phone numbers in order to somehow get an answer. 

( In comparison, XXXX XXXX sent a letter stating the amount of the debt for that card and that once it was paid the lien would be removed -- we received the letter within 48 hrs ) It is incomprehensible that Barclays is not being helpful in order that they receive the {$5000.00}. We want to pay this so the lien is taking off the property. We hope someone can help us through this frustrating time. ( penalties are still being added to the account each day since we cant pay for it. Settlement has been cancelled once due to this situation. 
BOTTOM LINE : We need Barclay 's of DE to tell us how we can pay off the debt that is owed to them. An address, a receipt and a letter to let us know that the lien will be removed once the debt is paid! Only then can I move forward with refinancing this home. 
Thank you,

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 2019-01-14
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: Report provided to employer without your written authorization

Complaint:
I applied for an apartment complex, XXXX XXXX, who uses XXXX for their third party screening. I applied and was approved at the end of XXXX. The XXXX inquiry shows on my TransUnion credit report. Less than a month later, XX/XX/2018, I notice a second inquiry from XXXX on my report. I quickly called XXXX to inquire about the second inquiry. They stated they would only request a copy of my credit, under the direction of the asked company, which happens to be XXXX XXXX. I called the leasing office. Everyone in the office denied the claim. I later emailed the emailed the leasing specialist. She admitted to sending a second inquiry about my credit score via email. She stated it was an accident. I emailed the property manager. She stated that she would reach out to XXXX and let them know this was an inquiry in error. I also sent a dispute letter to TransUnion which was delivered XX/XX/2018. Since then, the inquiry has remained on my credit. TransUnion has not informed me the dispute is open. It's been past 30 days since the dispute was received and still remains on my credit.

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 2018-06-14
Company: UMPQUA HOLDINGS CORPORATION
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
II am having problems with my new bank on his open up my problem is a my nephew owe me some money and he when I get paid he wrote me a check I went down to my bank that I king going to the XXXX and cashett the lady at the register told me that a has to take 7 days I had a would some day to get money back and she kept on persecuting of giving me her the check I said no when I was leaving I'm outside the bank in dress XXXX deposit in through the ATM treatments later I thought I can get money says I directly deposit {$20.00} out it did not give me no money it said An eligible account so sense I didn't get my check to lady inside the branch she flag me she shut my countdown I not know my account was flagged at all I got a loan that got dreads it to my count for me and a my went into my bank to go get out has since I am can get no money I'm doing with the money out and shut down the bank they said they flagged my account for supposedly I activity stop is fraud and does no father I is my money out and set my account they're not doing anything about it and they said they don't banker call the fried apartment they said it was because in my nephews check ID but ID posit and to the ATM I told my nephew XXXX to basely stop check stop payment so he stop payment so a got That's the bank and basically got rejected so I have available balance and they will not give me my money I behadden grounds from the get go from these eyes in the bank is called UMPQUA bank Located in XXXX Washington I try to get money out my dollars I get my up to get my money back so I can shut my back my bank account down I do have deposit coming from security and I would like to have that and since they're not doing anything um I need some help I'm not sure honey people that done this too but it's not right Am I name is XXXX XXXX Count number is XXXX XXXX My social XXXXPhone number is XXXX to XXXX cast my nephews check 3 days ago it was for XXXX that's when Glad me way before that sense I have a overdraft And Took out some money and after that they flagged me and I do not tell me at all and I show the XXXX XXXX balance XXXX XXXX  of dollars my game right now And top it off they shut up my online banking so I can't see what's Going on with my account So with them shutting down my online banking account I can't give you guys any kind of copies of anything

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 2021-07-14
Company: Collection Bureau of America Ltd.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am being charged {$720.00} for an old XXXX water delivery service. There should be no balance and they picked up the faulty equipment I had years ago. XXXX is a 7 year old account and this collection bureau of American is not offering to remove the collection from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: I.C. System, 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: Account status incorrect

Complaint:
I discovered that XXXX  XXXX/XXXX XXXX XXXX of the amount of {$1000.00} has re-aged/ changed the original date of the debt. It was started in XX/XX/XXXX and now on all credit reports XX/XX/XXXXstart dates : TransUnion XX/XX/XXXX, update XX/XX/XXXX ; XXXX XXXX ; XXXX open : XX/XX/XXXX, update XXXX. This debt has exchanged into so many hands that I don't know who actual has it. I receive calls on my cell phone and no words are spoken just hangs up or if it goes to voice mail its a machine or they say my name then hangs up. I had calls on Sundays and after XXXX XXXX  CST. This is make my report look bad and who can trust if you pay one company and at the same time another collection company demanding money and states its my problem with them ... XXXX XXXX themselves are hard to get a straight answer or direction for the original bill which was really {$240.00} but they stated I broken contacted and charges for the broken contract. On XX/XX/XXXX we has a devastating tornado ripped through my area causing catastrophic damage, no power, nor water. I just moved in my house so I this caused a financial downfall trying to recoop, especially the lost of food and water resources.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: Experian Information Solutions 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:
XX/XX/XXXX In regards to XXXX XXXX XXXX. 
Account Info Tap labels for more details Account numberXXXX Collection openedXX/XX/XXXX Account type Debt Buyer That account does not belong to me. 

Experian has not provided proof of debt validation, neither has the original creditor. although I have requested this via certified mail. 



I ask once again to have this item removed from my credit report. 

I will continue to pursue this matter until it is resolved to my satisfaction. 

Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2020 I placed an order with a company then doing business as XXXX. The order was for a puzzle and I paid {$40.00} using PayPal. My complaint is againt PayPal for their handling of my grievance against the seller. 

On XX/XX/XXXX I received a puzzle but it was the wrong puzzle. I had ordered a puzzle showing US postage stamps. I notified the company immediately. They did not respond so I followed up via email. The second time I got a response asking me for a photo of the shipping label and the box I received. I sent both. Over the next several weeks I went back and forth with this company several times. They admitted their mistake, The offered me a fraction of what I had paid. A copy of the email chain is attached. 

On XX/XX/XXXX I filed a request with PayPal for a refund. I supplied PayPal with all of the above information. The request was identified as " item not received. '' After communicating with the seller, PayPal rejected my claim. I convinced them to re-open it under " item not as described. '' Here are the details : Case ID : XXXX Seller information XXXX Transaction amount {$40.00} USD Transaction ID XXXX Shipping address XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX United States Invoice ID XXXX PayPal has now reported to me twice that they have gone back to the seller asking for more information. They do not share this information - what they are asking for or what they are receiving - with me. In the first case, PayPal wanted to know if I would settle for half of the refund I was requesting. 

Further, PayPal has on two occasions told me I can expect resolution by a specific date - but those dates have come and gone. I also attempted to escalate my concerns with PayPal via their XXXX page. They directed me to send a private message. I did but then had to wait XXXX days for this response : " Hello XXXX, we apologize for any inconvenience we course. 
Share your account info so we take a closer look into your issue. 
Thank you -XXXX  XXXX I had already given them my email address ( account info ) but replied to this message with the information again. That is the last they have responded ( a week ago ). 

For reference, I am also attaching a sampling of the messages I have received from PayPal on this matter. 

I believe PayPal is simply stonewalling me and in the process is aiding and abetting a fraudulent company. When I look at the PayPal XXXX page, it is flooded with similar complaints. PayPal should not be advertising that they protect consumers when they obviously do not. While I am still hopeful that PayPal might eventually do the right thing and refund my money, I am hoping I can get to that resolution faster - and maybe help protect others in the future - by filing this complaint with the Consumer Finance Protection Bureau. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-21
Company: Amsher Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On or around XX/XX/XXXX, received a letter of collection from AmSher Collection Services XXXX XXXX XXXX XXXX XXXX XXXX Alabama XXXX. Contact debt collector within 30 days dispute period and advise debt was incorrect. Company didn't respond. Had to hire an attorney to write dispute letter and assist with the debts collector wrong information. After attorney contact and dispute. Debt collector acknowledge of its error and the error on the information. On, XX/XX/XXXX debt collector send me a letter stating they will contact credit agency and fix error and wrong/negative information provided. 
On XX/XX/XXXX I reviewed my credit report and notice that AmSher had reported again the same wrong information to credit agencies which it had already been resolve and acknowledge by debt collector of being worng ... 
This has cause great damage to my credit, employment and daily operations of my business. I contact debtor on XX/XX/XXXX to dispute and request immediate resolution, which they have yet to respond, correct or fix. 

Debt collector has caused damaged by defamation and libel of my credit, by reporting, writing and reporting information in my credit knowing to be wrong and incorrect. 

I asked the CFPB to investigate this case, also provide further damage relief, guidance and/or provide information on how I can proceed with defamation lawsuit against debt collector.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation