BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-29
Company: EQUIFAX, 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 want to report fraud for the following accounts that I have disputed with all XXXX credit bureaus. The credit bureau told me to add all the companies I am disputing in one FTC fraud report and not to complete it individually. 
1 ) XXXX ending in XXXX 2 ) XXXX XXXX XXXX  ending in XXXX 3 XXXX XXXX XXXX  ending in XXXX 4 ) XXXX XXXX XXXX ending in XXXX 5 ) XXXX XXXX ending in XXXX 6 ) XXXX XXXX  ending in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: Midwest Recovery Systems
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I have been receiving calls from so many different numbers that I can not keep up, on several occasions I have told the caller that I have no idea about this debt to which they have stated to me that they would come to my job and give me paperwork when I told them that is harassment they made horrible obscenities to me, they said you should not borrow XXXX if you can not pay for it, I asked them to please stop calling my phone and I was told that they can call me whenever they please until I pay this debt, I was harassed and actually a little afraid about it, now I see that they put this on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: PNC Bank N.A.
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
Hello, My BBVA Bank credit card ( ending XXXX ) had many fraudulent charges starting on XX/XX/2021. This was due to a massive breach affecting other XXXX accounts. 

I made numerous efforts to have XXXX acknowledge the breach, which they never did. I got some minor resolution and paid off the balance just to move on. I'm a XXXX XXXX, aged XXXX and didn't have the energy to keep fighting them. 

I requested to have the account closed and was assured it will be done, well prior to completion of acquisition of BBVA by PNC. 

This morning I started getting alerts from credit monitoring services that PNC has reported my credit card account as 30 days late and it has severely damaged my previously stellar XXXX credit record. 

I'm very upset at this terrible behavior first by BBVA and now PNC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: Paypal Holdings, Inc
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
on XX/XX/XXXX at XXXX i purchased a pre made food pkg. I have failed to here back from this guy XXXX and found out through a friend that a friend of theirs was scamme too. Now this is venmo a company with paypal which is why I did not go directly to paypal. I had an incident where I didn't get what I ordered and instead of reimbursing me, paypal cut me off for life. Now I use venmo constantly and I dont want to lose them too. can you please help me? Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-08
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The company responded via CFPB portal and stated they have nothing to do with this debt that is reporting on my credit report. Please remove account XXXX XXXX {$2200.00} from report.Documentation of response from company attached.

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 2021-06-15
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
I received a letter from XXXX  in response to my previous complaint about the private loan threw Sallie mae. I spoke to a reprensative from XXXX  and they told me to file a complaint threw your company which I am doing so. XXXX  told me I could sue Sallie Mae. Sallie Mae was the original company I paid my private loan threw. I had previously spoke to Sallie mae .about this private loan and Sallie mae said that every thing was transferred to Navient.. Well since I did pay this private loan in full of which was taken out while I was a student at XXXX XXXX ( XXXX XXXX ) . And yes Salle Mae was my student loan company the change to XXXX also while I was still in school. I feel I have a right to file a complain about Salle Mae. I feel Sallie Mae should pay me back since they were the original loan company who knew about the private student loan in the first place. 
Most persons who attend school are more than likely to be thinking about completing the education not just what their student loan will have to be paid back after you finish your education.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
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 want to report fraud for the following accounts that I have disputed with all XXXX credit bureaus. The credit bureau told me to add all the companies I am disputing in one FTC fraud report and not to complete it individually. 
1 ) XXXX ending in XXXX 2 ) XXXX XXXX XXXX ending in XXXX 3 XXXX XXXX XXXX  ending in XXXX 4 ) XXXX XXXX XXXX ending in XXXX 5 ) XXXX XXXX ending in XXXX 6 ) XXXX XXXX  ending in 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 2017-09-26
Company: Thunderbird Collection Specialists, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
On XXXX/XXXX/2017 at XXXX local AZ time, XXXX XXXX called requesting to speak to XXXX XXXX . I verified the name was correct. He then proceeded to state the name of his collection Company - Thunderbird Collection Specialists. However he failed the following FDCPA rules when trying to collect on a debt. He failed to fully verify besides my name that he was speaking with the correct party. He failed to state the mini miranda, failed to state the debt collector disclosure and failed to state that the call may be recorded. He also stated that he was calling to see how I was planning to rectify this debt that is in their office before he advises his client to take me court to collect on this debt. He also told me he had left multiple messages to a person who I identified to be a relative, regarding this debt. When I advised him of what he had failed to do prior to commenting that he was calling to collect on a debt and that I was going to just end the call instead of speaking with him, he preceded to state that he was going to status " my account '' in their office as a Refusal to Pay. When I responded back to him and stated that I was not refusing to pay anything, he began to be rude by interrupting me and then he hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Regional Recovery Services
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
These people are continuing to report inaccurate accounts on my credit! They have added XXXX accounts with different amounts. ALL OF THESE BILLS ARE PART OF SERVICES RENDERED THAT ARE NOW PART OF A MALPRACTICE LAWSUIT. XXXX XX/XX/2020 - CURRENT. They added an account to my credit for {$9.00}. XXXX DOLLARS! 

AGAIN, MY LAWYER HAS SENT THEM LETTERS REPEATEDLY AFTER VERIFYING ALL OF THE ACCOUNTS THEY HAVE WITH THEM ARE PART OF A MALPRACTICE LAWSUIT. ANY DATES OF SERVICE BETWEEN XX/XX/2020 AND NOW ARE TO BE HELD, PER THE CRYSTAL CLEAR LETTER XXXX AND THEIR ILLITERATE CLIENTS FAIL TO READ. 

Any medical collections from Regional Recovery, XXXX XXXX, XXXX XXXX, or other medical related collections are being placed on my report out of spite due to pending litigation. 

Dates of service are XX/XX/2020 to CURRENT. These entities have chosen to ignore repeated requests from counsel to pause collection efforts until case resolution. They are also changing account numbers and balances by 1 number to report the same debt more than once on my reports. Regional Recovery Services has a poor XXXX  rating and are under investigation for consumer fraud. 

I have been successful in getting these accounts removed from my XXXX report but XXXX will just keep changing account numbers and amounts to add them back like they have been doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05
Company: AR Resources, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To whom it may concern, Under 15 u.s code 1618B-permissible purpose of consumer reports IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. 
I, never gave XXXX any written consent to report anything on my consumer report, no consent is identity theft. A copy of the law is attached with this dispute letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: Paypal Holdings, Inc
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I received a prepaid debit card from PayPal. I did not request this card. I called the company but no one is available to help with possible fraud. 

Not sure if anyone tried to link a direct deposit account with this card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-29
Company: Experian Information Solutions Inc.
State: TX
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. 
DEPTEDXXXX XXXX, DEPTEDXXXX  XXXX, DEPTEDXXXX XXXX, US DEPT ED XXXX, US DEPT ED XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX  ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX  XXXX  ( Original Creditor : 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.

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 2017-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 XXXX XXXX Account Number XXXX department was constantly calling my home and job and leaving my personal information with my coworkers. They left threatening messages and I was n't sure what they were referring to. This increased my stress level causing my XXXX XXXX to increase and I began to have further issues with my 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 2020-04-23
Company: Nelnet, Inc.
State: FL
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:
The last three months of XXXX ( XXXX, XXXX, XXXX ) & first three months of XXXX ( XXXX, XXXX, XXXX ) I was never informed of having to begin paying back my loan. I never received any email, phone call or mail informing me of repayment date. I reached out to try & resolve this matter, but I never have been able to get any help and gave me these late payments. I now can not get approved for a mortgage because of this mark on my credit and the lender can not help me with this unfair situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05
Company: Lien Enforcement Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Im on XXXX this collection agency wasnt given permission to take money from my XXXX  debit account yet did anyways. They took 800 $ illegally there was no consent and its ssi money They took {$300.00} and {$500.00} from my account The company is http : //www.lienenforcementinc.com/

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05
Company: Atlanticus Services Corporation
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Fortiva opened up a credit card in my name illegally. They signed my name on the account. I never authorized them to open a account in my name. Fortiva has now ruined my credit to XXXX XXXX score. They keeping telling XXXX that i am late in payments, when i do not owe them anything. I do not even know who they are.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: EQUIFAX, INC.
State: OH
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 an unverified account from XXXX XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX XXXX provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, XXXX XXXX XXXX XXXX and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05
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:
My consumer report contains private information that is prohibited by law, which include my credit utilization and or late payment history USC 1681 ( A ) 2-states reports containing information solely as to transactions or experiences between the consumer and person making the report.

USC 1681 ( b ) outlines the definition of person which states any individual partnership, corporation, trust, estate, cooperative association, governmental subdivision or agency or other entity USC 1681 ( A ) c outlines whom the person is

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05
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:
My consumer report contains private information that is prohibited by law, which include my credit utilization and or late payment history USC 1681 ( A ) 2-states reports containing information solely as to transactions or experiences between the consumer and person making the report.

USC 1681 ( b ) outlines the definition of person which states any individual partnership, corporation, trust, estate, cooperative association, governmental subdivision or agency or other entity USC 1681 ( A ) c outlines whom the person is

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 2017-07-04
Company: Synovus Bank
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I closed my credit card account with First Progress due to them charging me fraudulent fees. <P/>They have on my credit reports that I owe them {$250.00}. My credit line was {$300.00}. I actually owe them {$150.00}. First Progress should not be in business because they are cheating their customers in fraudulent fees charged. <P/>I want an investigation into First Progress also I want you to get them to correct my balance owed to {$150.00}. <P/>Waiting for a reply, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: TRUIST FINANCIAL CORPORATION
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:
There was a debt in my name that wasnt from me. I disputed the debt through XXXX  letting the company know that the debt is fraudulent but the company wont take it off and delete it from my credit report. Ive asked them to verify the debt and nothing just happened!

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 2017-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
There are numerous inquires on my report that I did n't authorize I first reached out to all of the companies listed on all XXXX credit bureaus reports after 60 days and no hearing anything I sent letters to the credit bureaus they sent letters back telling me to reach out to the companies which I already did. So I called and all XXXX bureaus did the same thing. They told me there is nothing they can do! This has been going on since XXXX XXXX. I have never applied for something and not been approved. So all the inquires on my reports are not accurate!

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 2022-08-25
Company: EQUIFAX, INC.
State: PA
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 name is XXXX XXXX XXXX  this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05
Company: Bread Financial Holdings, Inc.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX Credit Card added two months of a XXXX XXXX fee that was called optional that I did not ask for or agree to. I paid my balance off immediately and asked for the account assurance fees to be credited ( {$62.00} ). I requested this on the Comenity website on XXXX XX/XX/2021 and vis phone call with them at that time. The fees were never credited but stayed on the card accuring late fees and interest. Comenity repeatedly called more than 8 times saying there was an outstanding payment due. Each time I spoke with the caller informing them there was no debt and in fact they owed me a refund. The callers either hung up or put me on hold until the line went dead, they have all said that they couldn't help me as XXXX XXXX was a different company!.

Company response to consumer: Closed with monetary relief