BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-01
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: Their investigation did not fix an error on your report

Complaint:
XX/XX/XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX SSN : XXXX To XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, Sd XXXX To whom this my concern : I`m addressing both your office as the creditor and the credit agency company. I strongly believe that you have violated the FCRA and are in non-complaint with you have reported.

Here are three reasons why I`m sending this. 

Namely, you first affiliated this account with an individual `s name who previously had been placed on my report in error, making you consistently reporting the erroneous item a clear violation of law. 

Second, the item in question can not be authenticated to be certified under testimony to be true and accurate. Lastly, Per viewing my credit report, I notice an account from your company with account # XXXX reporting to my credit report. 

I have enclosed a snapshot of my credit report showing the reporting. XXXX reporting high credit as XXXX, XXXX  reporting high credit as XXXX, and Equifax reporting high credit as XXXX, you can not report different inaccurate information between credit agencies, delete per violation. Again,  XXXX  reporting credit limit as XXXX, XXXX credit limit as XXXX, and Equifax credit limit as XXXX, but each credit agencies is reporting a past due amount of XXXX, Per law, you can not report a past due balance on an derogatory account, per violation delete this account. In addition, Equifax reporting last payment as XX/XX/XXXX, but the two-year payment history states current for the months of XX/XX/XXXX & XX/XX/XXXX, which is in violation delete this account. I have enclosed a snapshot of my credit report showing the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I owed a debt to  XXXX  ; they hired RMCB to collect the debt. The initial calls were with a very pleasant young man who honestly seemed as if he was trying to work with me. I made a payment with a credit card, let 's call it  XXXX , and attempted to set up a payment plan to pay the rest. The young man was so intent on my paying a settlement that he got a satisfactory amount approved throu gh his " manager. '' I  agreed and set up the payment with a different credit card,  XXXX , than th e one I  had used for my first payment. The payment was to come out  XXXX   XXXX ,  2017 . I called in to reschedule the payment to  XXXX   XXXX ,2017. The payment came out  XXXX   XXXX ,2017, but not on  XXXX , the card from which I authorized payment! They took the payment from  XXXX , for which I had not authorized payment. To make matters worse, I received the absolute nastiest letter on  XXXX   XXXX  that had been drafted  XXXX   XXXX  demanding payment. Remember, I had already made arrangements to make this payment on  XXXX   XXXX . All they had to do was wait 3 days before sending me the foolishness that they did. Very disrespectful!  XXXX  and other businesses need to know with whom they are doing business when they hire debt  collectors. Not a g ood look for any company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
XXXX XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX SSN : XXXX To Portfolio Recovery Associates LLC XXXX XXXX XXXX. 
XXXX VA XXXX To whom this my concern : I`m addressing both your office as the creditor and the credit agency company. I strongly believe that you have violated the FCRA and are in non-complaint with you have reported. 

Here are three reasons why I`m sending this. 

Namely, you first affiliated this account with an individual `s name who previously had been placed on my report in error, making you consistently reporting the erroneous item a clear violation of law. 

Second, the item in question can not be authenticated to be certified under testimony to be true and accurate. 

Lastly, you Per viewing my credit report, I notice an account from your company with account # XXXX reporting to my credit report. Per the credit reporting, it states account type as an open account, account status as open, and payment status as late 120 days. I have enclosed a copy of my credit report showing proof. 

Per violation, you are reporting an account as open, but its late 120 days, which you never received no payment from me, not only you are reporting inaccurate information, but you are also reporting an account that you have no legal right to collect. 

Per XXXX  reporting and XXXX, it states account status as derogatory, balance as XXXX, and payment status as collection/ charge-off, how is this possible, you are reporting payment status as collection/charge-off and other as late 120 days. Per violation, you can not report different information between credit agencies, which make the information invalid, delete per violation. 

I do not have a written, or verbal contract agreement with your company. I did not sign a contact with your company to collect a debt. 

Based on US contact law, I should only pay the original company and do not have to pay the collection agency. 

By law you must delete this inaccurate account from my credit reports because you have no legal right to collect. Please note, I will seek legal action for defamation, which is hurting my financial situation and causing me pain and suffering. For your records and proof, I have enclosed a copy of the credit reporting. 

Delete this account from my credit report immediately, or I will seek legal action. 

Do not send me copies of credit card statements, as this do not validate the right to collect

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09
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:
I 've made request for this company to investigate and requested copies of their INVESTIGATION PROCEDURES, including but not limited to how they did their investigation and copies of documents used in their investigation to determine the accuracy and validity of each account information they reported. I questioned how they STORE FILES as FCRA clearly stipulates that these FILES must be sent to consumers upon request and these files are to be stored by the bureaus whether physical or electronically. I also question why the agreement between the bureaus and Attorney General  XXXX   XXXX  are still not in place even tho ugh TWO YEARS has already passed. All I received from this company is an obvious computer generated generic response letters. Nothing done by a real human. no files documents. Nothing at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I was shocked when I reviewed my credit report and found several late payments on my student loans with the dates below : 150 days past due as of  XXXX     2011  120 days past due as of  XXXX     2011  90 days past due as of  XXXX   2011  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I was just trying to check my credit score with TransUnion and signed up for what I thought was a free account. They charged me {$24.00} plus {$2.00} sales tax, and enrolled me in a plan that would charge me this monthly. The charge for the plan was not prominently listed on the actual enrollment webpage. Nor was it obvious that the link I clicked from a prior page was going to enroll me in a subscription plan.

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 monetary relief
Consumer complaint received 2020-03-01
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:
XXXX XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX SSN : XXXX To XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX VA XXXX To whom this my concern : I`m addressing both your office as the creditor and the credit agency company. I strongly believe that you have violated the FCRA and are in non-complaint with you have reported. 

Here are three reasons why I`m sending this. 

Namely, you first affiliated this account with an individual `s name who previously had been placed on my report in error, making you consistently reporting the erroneous item a clear violation of law. 

Second, the item in question can not be authenticated to be certified under testimony to be true and accurate. 

Lastly, you Per viewing my credit report, I notice an account from your company with account # XXXX reporting to my credit report. Per the credit reporting, it states account type as an open account, account status as open, and payment status as late 120 days. I have enclosed a copy of my credit report showing proof. 

Per violation, you are reporting an account as open, but its late 120 days, which you never received no payment from me, not only you are reporting inaccurate information, but you are also reporting an account that you have no legal right to collect. 

Per XXXX  reporting and Experian, it states account status as derogatory, balance as XXXX, and payment status as collection/ charge-off, how is this possible, you are reporting payment status as collection/charge-off and other as late 120 days. Per violation, you can not report different information between credit agencies, which make the information invalid, delete per violation. 

I do not have a written, or verbal contract agreement with your company. I did not sign a contact with your company to collect a debt. 

Based on US contact law, I should only pay the original company and do not have to pay the collection agency. 

By law you must delete this inaccurate account from my credit reports because you have no legal right to collect. Please note, I will seek legal action for defamation, which is hurting my financial situation and causing me pain and suffering. For your records and proof, I have enclosed a copy of the credit reporting. 

Delete this account from my credit report immediately, or I will seek legal action. 

Do not send me copies of credit card statements, as this do not validate the right to collect

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 2018-06-01
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX, I sent Equifax proof of a document with a dispute. Equifax is reporting I have 3 late payments on student loans ( Dept.of Education/XXXX ). According to FCRA Section 623, Equifax is in violation ( if they refuse to correct information after being provided proof of inaccuracy ). They sent me a letter XX/XX/XXXX saying it was verified. But how is that? The document I sent was a income based payment agreement from the Federal Student Loans.Gov, which is over all the student loans.I know for a fact because I just did another one recently. Equifax is reporting 3 late payments on a auto loan with XXXX XXXX that was a total loss and the insurance paid over 95 % of the loan. This has caused me financial injury. Injury to my credit report and credit score. Defamation on my character, etc.. I also noticed them reporting a late payment ( 30 days late ) on a account ( XXXX XXXX or XXXX XXXX ) that I know I called the creditor and arranged an agreement to postpone payment after a natural disaster ( Hurricane Harvey ). 
Equifax has failed to do it's part to maintain accurate information on my credit report or do a proper investigation on my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16
Company: Cadence Bank
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I show a escrow account with a negative balance. I do not believe I authorized the creation of an escrow account. I have tried to contact the company to inquire about this issue through their online portal ( no response within stated 24-48 timeframe ) and via email ( received automated response that my gmail account was not trusted ). Without the ability to receive a documented response from the company, I am seeking assistance from your office.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: Experian Information Solutions 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 turned XXXX XX/XX/2021. I tried to obtain and they said i had collections and un paid bills. Im a minor with a XXXX at the time the reports was made. Anything on all 3 credit reports are not mines. Because I never open up a acvount. Im trying to rent a apt and get a cellphone but these issues needs to be disolved I turned XXXX XX/XX/2021. I tried to obtain and they said i had collections and un paid bills. Im a minor with a XXXX at the time the reports was made. Anything on all 3 credit reports are not mines. Because I never open up a acvount. Im trying to rent a apt and get a cellphone but these issues needs to be disolved. My social XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX is attempting to collect a debt they allegedly say I owe but have no proof I owe them a debt and they are still reporting to the credit bureaus that I do owe them which has been hurting my credit for the last 4 years. I've tried multiple times to straighten it out with XXXX XXXX and the credit bureaus but they refuse to remove the collections account. I have attached a link to a phone call I had with the XXXX XXXX representative where she clearly states she can not verify it was me who opened the account but still wants me to pay it. I did tell her I was recording for the purpose of filing a complaint and for filing a lawsuit. I just want this company to stop reporting this fraudulent account on my credit report. This recorded call should be enough to finally remove this collections account from my report for good now. 

XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16
Company: N26 Inc.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
N26 BANK NOTIFIED ME THEY ARE CLOSING MY ACCOUNT. THEY CLAIM THEY ARE SENDING ME A CHECK FOR MY ACCOUNT BALANCE WHICH ISN'T MY ACTUAL BALANCE. THEY ARE MISSING DEPOSITS TOO. THEY REFUSE TO PROVIDE ME AN ACCOUNT STATEMENT OR TRANSACTION LIST. THEY ARE REFUSING MY REQUEST TO REPORT FRAUDULENT TRANSACTIONS. 

THERE RESPONSE WAS TO LAUGH AT ME ON THE PHONE AND HUNG UP MULTIPLE TIMES. THIS BANK IS A TOTAL FRAUD AND SHOULD BE SHUT DOWN. THEY OWE ME THOUSANDS OF DOLLARS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I received my claims to my Paypal account and it got closed for no reason i have to wait 180 days for it to be restored. We barely can eat.. Please help me resolve my issue

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: JPMORGAN CHASE & CO.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX i was paid by check for some work i had done for this person. I checked her id and it matched the check. Come to find out it was fraud. I didnt know this. This person also got a hold of my card and used twice. I checked my account on the first when i was suppose to get my va XXXX and was told to call in. I explained everything to them and they told me funds would be released once i got them police report number. I called the next morning with what they asked for and was told my account would not show deposit until tuesday and it was saturday. I explained that I was out of town with my daughter tending to her XXXX  XXXX  and this was hindering me grossly but I was told this was protocol. It is now Monday night and Im calling to verify that everything I was told a.k.a. my account was unfrozen and that the deposit would show up at midnight is going to indeed happen. I was then told I had to be transferred to special handlings in my account is still frozen even having to wait five days for a deposit they got on the XXXX is wrong now XXXX knows how long I have to wait and I am stuck here can not eat can not do anything without make up to check. I spoke with the manager on Saturday named XXXX who told me my account at that minute was unlocked that she unlock it but I could not get the deposit until Tuesday morning now come to find out thats not true.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-12
Company: Northtown Capital Services Group LLC
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/2019, I woke up with a knock on my door from two local law enforcement officers. They informed me that a family member had called in and wanted someone to stop by the house to " check on me '' after several family members had received several calls from a lady named, XXXX XXXX, who was requesting to verify my identity information such as my SSN, location, employment whereabouts, and other identifying factors. 

Immediately, I retrieved my phone and had several text messages from my dad, sister, and brother who had all received calls and voicemails from this individual stating that she was needing this information. My brother reported that he was contacted by her twice. 
I, myself, also had one missed call and voicemail from Ms. XXXX postmarked at XXXX on XXXX XXXX. She at time, threatened, that she needed to verify my information through a third party including my previous employer if unable to contact me and shortly began harassing my family members for information thereafter. I'm uncertain if she contacted my employer or not as that is the employer I no longer work with, When I contacted Ms. XXXX, she informed me that she was a representative with Northtown Capital Services Group who was assisting a debt collector, XXXX XXXX XXXX, to obtain some past due money owed to an original creditor called XXXX XXXX. She informed that I should've received a letter from her agency in which I did not. She also threatened that a certain amount was owed or a judgement would be pursued against me. 

Her whole approach appeared to be threatening and harrassing in nature in order to obtain funds. She informed me the only way to stop the judgement would be to set up a payment arrangement through her. 

I have no issue paying my past dues if I would have received information from the original creditor and I have not. 

I feel my rights were extremely violated and that threatening and harassing means were utilized in order to obtain a debt which not only impacted myself but also caused extreme fear, stress, and worry in my family who had no idea what was going on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On  XXXX   XXXX ,    2017  under the guise of " 0 % APR for 12 months '' I applied and was accepted for a credit card with Navy Federal Credit Union. I was doing a balance transfer to avoid paying interest for 12 months from another bank. To be clear, there is no reason I would have ever applied for this card had I been informed that I would be paying interest right from the start at an even higher rate than the credit issuer I was transferring from. I was mislead by a representative over the phone and by dubious and unclear marketing materials that were on their website. I have tried to resolve the issue with them but they have said that unless I have the promotional code, there is nothing they can do.     Here is a link that I found which was exactly what I was expecting the terms of the credit card to be.     https : //www.navyfederal.org/srenlisted/includes/SROcreditCards.php

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