BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my 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 2020-09-07
Company: Continental Services Group, Inc. d/b/a ConServe
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I contacted this company in regards to a delinquent account they are reporting on my credit report. I asked them to validate this account and they have yet to do that. On top of not validating the account they never marked this account as " disputed by consumer '' on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently noticed a reporting error placed on my credit report from a company that I have never heard of. Midland credit is knowingly and willingly committing fraud, I have never done business with them, nor have I ever agreed to any contract with them. This file does not belong to me. On XXXX XXXX I sent this company a notice to Cease and Desist Pursuant to my rights 15 USC 1692 ( c ) this includes calls, emails, social media or any consumer reporting agency. Certified mail receipt # XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have two consolidated student loans. Both with Sallie Mae now Navient.During the XX/XX/2009 Georgia XXXX furloughs, I was advised by Sallie Mae to sign up for Forbearnace. I have XXXX in a XXXX XXXX for over fourteen years. I have been denied for the XXXX Loan Forgiveness program 2 times. I have never missed nor been late on one payment in fifteen years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
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 ASSOCIATES REFUSES TO SEND ME ONFORMATION TO VALIDATE A DEBT THE CLAIM THAT I OWE. I BEGAN CONTACTING THIS COMPNAY ON XX/XX/XXXX AND REQUESTED A VALIDATION OF DEBT ... AFTER NOT RECEIVING IT I CONTACTED THEM AGAIN XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, AND THE LAST TIME WAS XX/XX/XXXX. APPARENTLY THIS COMPANY HAS A " LITIGATION ' DEPARTMENT AND I WAS TRANSFERRED TO THIS DEPARTMENT AND SPOKE WITH SOME LADY BY THE NAME OF XXXX XXXX. SHE HAD NO IDEA WHAT A DEBT VALIDATION WAS SO THEN I WAS TRANSFERRED TO SOME LADY NAMED " XXXX '' SHE WAS NASTY WITH A FLIP MOUTH AND ONCE AGAIN SHE HAD NO IDEA WHAT A DEBT VALIDATION IS. SO AFTER BEING TRANSFERED TOABOUT 4 PEOPLE I REFUSED TO TALK TO ANYMORE AND DECIDED TO SEND A SECOND DEBT VALIDATION REQUEST THO THIS COMPANY. A FEW MINUTES LATER I GET A EMAIL TELLING ME THAT PORTFOLIO RECOVERY HAS ADDED THIS ALLEGED ACCOUNT TO MY CREDIT REPORTS. WITHOUT VALIDATING THE LLEGED ACCOUNT WITH ME. FURTHERMORE THE ACCOUNT HAS BEEN IN WHAT THEY CLAIMED WAS A " DISPUTE '' PROCESS FOR THE LONGEST. THIS CLLECTION AGENCY HAS VIOLATED MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT AS WELL AS THE FAIR DEB COLLECTION PRATICES ACT. WHEN YOU CONTACT THEM NONE OF THEM ARE EDUCATED ENOUGH IN DEBT COLLECTING TO KNOW WHAT DEBT VALIDATION IS. EVERY PEACE OF PAPER THEY SENT ME SAYS AT THE BOTTOM " THIS COMMUNICATION IS FROM A DEBT COLLECTOR BUT IT IS NOT AN ATTEMPT TO COLLECT A DEBT. THEY NEVER SEND ME ANY STATEMENTS OR A CONTRACT OR ANYTHING THAAT SHOWS THAT I AM RESPONSIBLE FOR THIS ALLEGED DEBT. BUT THEY PULLED THE " SILENT TREATMENT '' BY ADDING IT TO MY CREDIT REPORTS. YET THEY HAVE OT VALIDATED THIS ALLEGED DEBT WITH ME. I HAVE BEEN ASKING FOR THIS INFORMATION SINCE XX/XX/XXXX AND THYE STILL HAVE NOT PROVIDED THE INFORMATION. FUTHERMORE THEY HAVE ADDED THEIR OWN COMMENTS TO MY CREDIT REPORT CLAIMING THE DID AN FCRA INVESTIGATION BUT I HAVE NOT SEEN THAT INVESTIGATION INFORMATION EITHER. AFTER TALKING TO ONE OF THE REPS FROM THE CREDIT BUREAU SHE CONFIRMED THAT THEY DID INDEED ADD THE COMMENT WHEN THEY REPORTED IT TO THE CREDIT BUREAU. NO INVESTIGATION WAS DONE!!! THEY WERE ASKED FOR A VALIDATION AND THEY HAVE NOT PROVIDED THE INFORMATION THT WAS ASKED OF THEM. IT 'S A VIOLATION TO SILENTLY ADD UNVALIDATED AND INACCURATE INFORMATION TO A CONSUMERS CREDIT FILE. ONE WOULD THINK THAT THEY KNOW THE FDCPA LAWS AS WELL AS THE FCRA LAWS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Account reported are inaccurate. Multiple disputes and furnisher will not update record. Debt cancelled effective XX/XX/19. Balance and history incorrect. CRA can not establish accuracy and integrity despite reinvestigation. Description of the procedure used to determine the accuracy and completeness of the information was not provided upon consumer request.

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 2020-10-23
Company: Experian Information Solutions 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:
I have worked incredibly hard on building my credit over the last year and a half. I have seen several increases and improvements on my other two credit reporting agencies but not with Experian. I have called and asked them why my score doesnt seem to change at all and hasnt improved to which they responded I needed to upgrade my account. I want/need and deserve an answer to my question. My scores are as follows : XXXX, XXXX and XXXX. That score quite obviously does not line up with my other two and hasnt even remotely moved since XXXX. I applied to rent a condominium in XXXX of this year and was told I had to have a minimum of a 620 credit score. Experian was the score they pulled ( I was approved for rental of the property ) and when I questioned my real estate agent how that happened, she gave me a completely different score in the mid six hundreds and told me it was more than sufficient. I just need help with figuring out why my score doesnt reflect as Ive been told and why I seem to get absolutely nowhere with Experian as a company. I have XXXX XXXX and have within the last few months purchased Fico8 to keep track ( in order to buy a house within the next few years ) of my scores accurately.. all the while Experian tells me I need to upgrade with them. I shouldnt have to upgrade anything or pay for multiple credit reporting applications in order for them to be even semi accurate. HELP!!

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 2020-07-23
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:
report wrong address XXXX XXXX XXXX XXXX tx 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 2020-07-23
Company: UMPQUA HOLDINGS CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Dear Sirs : My son XXXX XXXX is an XXXX in the United States XXXX XXXX. From XX/XX/XXXX to XX/XX/XXXX he was in boot camp in XXXX XXXX TX. As his mother I monitored his financial affairs while he is in boot camp, as the military cadets have no access to anything electronic and have no means of communication outside of their base. 


On XX/XX/XXXX I noticed that there was a balance transfer pending for {$3000.00} from his account. I immediately contacted the bank and spoke with XXXX advising her to stop/block the action, as it was fraudulent. I explained that my son was in boot camp and had no access to any electronics or communication and with 100 % certainty know that he could not be making the transfer. I was advised by the bank that since it was only pending they were unable to do anything about it until it cleared and I was instructed to call back the next day. The following day I called the bank and they stated that a second transfer was now pending as well. They advise me to take the remaining money out of his account immediately so that the second transfer would fail. I went into the branch and spoke with a banker named XXXX in the XXXX, CA branch, she has been my point of contact since that first day. XXXX opened the account to see that someone had hacked in and changed his account verification phone number to a number in Illinois and they changed his security questions as well. XXXX began the process of opening him a new account and went on to say that they would get the issue submitted to get the transaction reversed right away. 


Week after week I call in and speak with XXXX, she gives me false information and false promises that she never follows through with, including promises to get her manager involved to get the issue rectified, none of which she has ever done. I even had to call in for several weeks just to get her to complete the opening of my sons new bank account. XXXX makes the same excuses with each phone call and has recently stated that the XXXX department is having a difficult time because they have never seen anything like this before. We are now almost 7 months later and I still have had no resolve. 


My son worked very hard and saved every penny he earned prior to enlisting in the XXXX XXXX as he knew that as an XXXX he would earn such a small income and he wanted to have sufficient funds saved to live on. Now his money is gone and UMPQUA BANK has done nothing to retrieve it, to make matters even worse they actually charged him a fees for the transfers, they appear to not even care. I have heard that there are many others in my small community with similar types of poor customer service issues with Umpqua and more specifically the XXXX branch. 


I beseech your assistance in this matter that has now become one of  an urgent nature. 


Sincerely yours, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Account reported is inaccurate. Multiple disputes and furnisher will not update record. Balance and history incorrect. Account closed, balance {$0.00}, paid.

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 2020-10-23
Company: EQUIFAX, INC.
State: CA
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:
Account reported is inaccurate. Multiple disputes and furnisher will not update record. Balance and history incorrect. Account closed, balance {$0.00}, paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Account reported is inaccurate. Multiple disputes and furnisher will not update record. Balance and history incorrect. Account closed, balance {$0.00}, paid.

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 2021-10-04
Company: EQUIFAX, INC.
State: NY
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: EQUIFAX, INC.
State: CT
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:
Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: Experian Information Solutions Inc.
State: MO
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:
Experian allowed a collection to stay on my report that is not mine. I asked them to remove and they did not. Another reporting agency did remove the account. There is no supporting documentation proving that the debt is mine other than a claim by the creditor. The amount of the disputed account is {$600.00} + dollars. And is one of only two derogatory marks on my 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 2018-04-05
Company: Paypal Holdings, Inc
State: NM
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX and XX/XX/XXXX three transactions were made from XXXX and XXXX. PayPal approved these transactions, while XXXX available balance was {$0.00}. They then went on to charging my XXXX XXXX checking account, which was also at a {$0.00} balance. So although PayPal balance was not enough, because again it was at a {$0.00} balance, amd my XXXX account DECLINED, PayPal decided to approve these transactions. Now before I proceed I should mention these transactions were NOT approved or done by ME, XXXX XXXX. Nor do I know who made these purchases. I have checked my XXXX account and can see the two purchases totaling {$36.00}, one for {$27.00} and the other for {$9.00}. I have received one of the many things ordered. 

Now, my problem is PayPal is attempting to charge these items over and over again, causing my XXXX account to fall in the negative balance of {$220.00}, ALL which is NSFs. The payment will not go through because I dont allow my account to be overdrafted. 

PayPal approved these transactions knowing there was no funds, because Im am pretty darn sure they wont approve a transaction made through them if there is no money. Just like using your debit card at the store and it not having funds. I sumbitted a complaint with PayPal and their response was this is not an unauthorized transaction which is partly true, because although I didnt authorize it, PayPal did. 

Now I dont want or need the items purchased on XXXX, but will pay them, since my PayPal account is also negative due to these purchases. I can also return them, although I havent received all the items, but that wont pay the NSFs and will take weeks to return. 

Secondly the XXXX purchase for {$3.00} should of also been declined but again I will pay that. 

And all of these items show as paid with PayPal balance, and shows my XXXX as back up. I dont understand why XXXX is involved. 
I just want all those fees to be taken care off and for PayPal to close my account when all of this is over. I am very disappointed with their customer service, they made me feel like a liar and a thief, when in all honesty they are the crooks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I went into a bank and opened a savings account that was supposed to protect my account from being overdrawn. Turns out, the savings account was opened only in my wifes name and so this account keeps getting overdrawn. Not only that, but I am also late on all my bills and it may impact my credit! I am requesting to please reimburse the overdraft fees, and I will go into a branch and link this account to our savings account. Also, I had requested that at any time if this account is low, to pull funds from my other account ending in XXXX. 
These are the overdraft dates XX/XX/XXXX- Overdraft XX/XX/XXXX- Returned fee ( I did not authorize a XXXX payment ) ^^ Being charged over {$60.00} fee on an item I did not even authorize to charge. 
XX/XX/XXXX- Overdraft XX/XX/XXXX-Overdraft XX/XX/XXXX-Overdraft Also, monthly fees of {$12.00} would be waved if it was linked to our savings accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07
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:
XXXX credit card is reporting that I was 30 days late as of XXXX 2017, but I have a statement from XXXX doesnt show that

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 2020-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$200.00}, {$1400.00}, {$400.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on  XX/XX/XXXXand the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$200.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account. 


-- AUTO ACCOUNT 3. XXXX XXXX FINANCE with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$400.00} -This is not my account.

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 2020-10-23
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On XX/XX/2020, I sent a letter to Equifax via USPS Certified Mail that disputed two accounts on my credit report. According to the USPS tracking number, XXXX, the letter was delivered on XX/XX/2020. After 30 days, which was XX/XX/2020, I had still not received a response from Equifax regarding my dispute. Therefore, I sent another letter via USPS Certified Mail on XX/XX/2020 that requested for the two disputed accounts to be removed from my credit because they did not respond within 30 days. According to the USPS tracking number, XXXX, the letter was delivered on XX/XX/2020. It has now been 55 days since Equifax received that letter, and they have still not removed those accounts from my credit report.

Company response to consumer: Closed with explanation