BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX is reporting a debt on my Transunion credit report as an " Open Account '' and as a " Factoring Company Account. '' A factoring company buys debt that is in good standing, not debt that is in default. In order for monies to be factored, the debt must be in good standing. The debt that XXXX XXXX is reporting was a closed Charge-off account. By the very action of purchasing " charged off '' bad debt it should prohibit XXXX XXXX reporting as a factoring company. XXXX XXXX is violating the Fair Credit Reporting Act at 623 ( a ) ( 1 ) ( A ) for knowingly reporting inaccurate information to a consumer reporting agency.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13
Company: I.C. System, Inc.
State: SC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I.C Systems is attempting to collect a debt on an account that I have no knowledge of & that is not mine. I also notice that the balance information for this account keeps fluctuating on my credit 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 2022-06-03
Company: EQUIFAX, INC.
State: NH
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:
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2022 In accordance with the Fair Credit Reporting act, XXXX XXXX, Account # 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 an account without my written instructions.

15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer.

15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: Experian Information Solutions Inc.
State: NH
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:
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2022 In accordance with the Fair Credit Reporting act, XXXX XXXX, Account # 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 an account without my written instructions.

15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer.

15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

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 2016-12-19
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage company put on my credit report that I was 31 to 60 days late on my house payment. They did the same thing 3 years ago. I had proof then and I have proof now that I was NEVER 30 days late, let alone 31 to 60 days late. 
I called and they supervisor I spoke with was very rude to me about it. I stated I had proof and she refused to take it. She told me to write her a letter and then they would consider that matter but until then I 'BETTER MAKE MY PAYMENTS ' or she will make sure she continues to put negative marks on my credit report. 

Last time this happened I had to file a complain and call the corporate office to get it off my credit report. I paid my account then and now, I was never 30 days late on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02
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:
I was the victim of a crime, which included having my New York State ID, Social Security Card, and credit card stolen, and this occurred in 2019. I am requesting that all soft and hard credits be removed for the calendar year 2019. I am including XXXX XXXX XXXX  XXXX Police Department report, which verifies my situation.

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 2021-01-02
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never had this account! Ive already made previous requests to the creditors to send me documents that prove the ownership of this account but they still have not responded yet.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. In previous months, I requested updating of inaccurate information which another credit reporting agency found to be inaccurate and had verified. Due to your lack of response, or responses which I classify as frivolous, you have dishonoured FCRA regulations and my request for verification. If you wish to correct this dishonour, I will give you one more chance to correct your errors and update my records. Please CORRECT the items, as they were already corrected from the other bureaus. You have 30 days to CORRECT these items listed below : XXXXXXXX XXXX XXXXXXXX XXXX Date OpenedXXXX Balance : {$360.00} -Late/Open Late Date XXXX, XXXX XXXX XXXXXXXX Date OpenedXXXX Balance : $ XXXXLat/Closed Late Dates 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 2016-08-29
Company: Allied California
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have, a collection charge against my credit score for the amount of {$67.00} I would like to contact the debtor to resolve this issue. THERE IS NO PHONE NUMBER ATTACHED TO THIS BUSINESSES.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
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:
AS USUAL YOU TOOK THE COMPANY 'S RESPONSE AND DID NOT REVIEW IT. THEY SENT A BUNCH OF XXXX XXXX XXXX XXXX AND DID NOT ANSWERE MY QUESTION. WHAT THEY SAID WAS JUST A CANNED ANSWER. MY INFORMATION DID NOT CHANGE ENOUGH DURING THE 3 MONTHS INVOLVED TO MAKE AN EXACT CHANGE OF XXXX POUNTS EACH MONTH FOR 3 MONTHS. 

I WILL ASK THE QUESTION I ALWAYS ASK. WHAT DO YOU DO OTHER THAN RUBBER STAMP THE COMPANY REPLY EVEN WHEN IT HAS NOTHING TO DO WITH THE QUESTION? 

THE ORIGINAL COMPLAINT WHICH WAS NEVER ANSWERED : MY CREDIT SCORE WITH EXPERIAN WENT DOWN, UP, THEN DOWN EXACTLY XXXX POINTS EACH MONTH. I CALLED THE NUMBER SHOWN ON XX/XX/XXXX TO FIND OUT WHY AND SPOKE TO XXXX. HE TOLD ME THEY CAN'T GIVE ME THAT INFORMATION AND THAT I NEED TO HIRE A FINANCIAL ADVISOR TO FIND OUT WHY MY SCORE WENT UP AND DOWN EXACTLY XXXX POINTS EACH MONTH.

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 2021-01-02
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not remember owning this particular account. I've asked the agency to provide signed paperwork that proves that I really own the questionable account but they have not complied as of the moment.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
XXXX XXXX XXXX XXXX  {$1700.00} XX/XX/2021 accordance with the Fair Credit Reporting act XXXX Account # 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 2022-10-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Portfolio Recovery Associates Inc was removed from my credit report and re added to my credit report at a later date hindering me from receiving new lines of Credit. Have always had Credit cards with the company they are claiming I own and my accounts have 100 % payment history. Which means there is no way any accounts went to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: SLM CORPORATION
State: NE
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I have used Sallie Mae for my Private student loans since XX/XX/XXXX to XX/XX/XXXX. After I received my degrees. I started to try and repay the loans, But was told by Sallie Mae that they did not have an income based repayment program. I was told that i must go into forbearance and pay XXXX dollars a month to place the loans into forbearance. When i told them that i had no means to be able to make the payments they continued to make me defer on the loans. In XX/XX/XXXX I joined the Military, and with the military all they were able to do is allow me to have loan forgiveness until XX/XX/XXXX where i will continue to have to make payments on the loans. I notified them that even with the military paychecks i will not be able to afford the monthly payments that they require. I have been having constant issues with trying to be able to work with them on how to pay off the loans. I have no other options, and saw articles about CFPB pursuing Sallie Mae about reasons that i have had to deal with. I am hoping to be able to get some answers. I have talked to multiple employees and managers at sallie mae, they have even told me to ignore the collection calls from their company and just keep paying for forbearance. The calls were so consistent that i was receiving a call from them everyday for weeks. i continued to answer and explain the situation to a new employee daily. I have also spoken to managers at Sallie Mae and they told me that i have no other option but to continue to not pay on the loans. These forbearance payments that i was making also do not go towards my loans interests. My Loans continued to gain interest even though i was paying XXXX a month for the forbearance. i have no other options and this company has continued to work with me, and make a plan that works for both of us. Also I have loans with this company for my XXXX through XXXX College.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
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: Investigation took more than 30 days

Complaint:
I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: EQUIFAX, INC.
State: MI
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:
XXXX XXXX XXXX XXXX XXXX$1700.00} XX/XX/2021 accordance with the Fair Credit Reporting act XXXX Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2016-07-01
Company: Bowen & Associates Recovery, Inc
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I owed money to a roofing company. The roofing company turned the debt over to Bowen and Associates collection agency. Bowen and Associates called me to collect the debt. I gave them a check over the phone and paid the full amount. Bowen and Associates never paid the money to the roofing company. Now the roofing company has sent me a demand letter for the money and threatened to sue me. The debt was paid but Bowen and Associates stole my money.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-13
Company: Paypal Holdings, Inc
State: MN
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Note : This is a Virtual Currency complaint. 
Today I received an email notice from PayPal about an update to their User Agreement. I do not have an issue with the content of the notice, but as you can see from the attached screenshot, the color of the text is a light gray which makes it difficult to read. This can ONLY be done with the intent to discourage people from reading the document, which may constitute fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: Mr. Cooper Group Inc.
State: AE
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
During covid 19 I had some difficulties making payment because my wife lost her job so MR Cooper which is my mortgage company offered me a forbearance program which I was informed my payment will be modified after the period. So I was given a trail modification payment from XX/XX/XXXX - XX/XX/XXXX which I met those requirement for my mortgage payment to get lowered so as I can make the payments I missed during the forebearance program. 
So after XXXX I was waiting for when my new payment was going to start because I had to come to XXXX on rotation as an XXXX XXXX XXXX so my US number was working here to I informed XXXX XXXX who was the agent working on my Loan modification they wouldnt be able to reach me on my US number but they send me any information through my email so as to know when to start making payment. 
I didnt receive any email of when to start making payment so I reach out to MR Cooper to find out about this and I was told I was supposed to start making payments toward another modification trial to get my modification initiated but I missed those payments from XX/XX/XXXX so if can make 4 payments they will send it up to their manager to see if they can initiate it again. So I told them I wouldnt be able to make 4 payments but I can pay 3 so I was told they cant help me with that unless I make 4 payments. I still went ahead and made that payment but they still didnt help me out but want me to payment {$16000.00} that is dues on XX/XX/XXXX and now they have reported me to the credit bureau as Derogatory trade and that has dropped my credit drastically. 
I really need your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-02
Company: STERLING JEWELERS, INC.
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
A person walked into Kay Jewelers and decided to purchase jewelry under my name. He then decided to go to a different store, a few days later and tried to purchase more jewelry under by name, but this time, I was informed and he did not purchase anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13
Company: Paypal Holdings, Inc
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have an XXXX that was a victim of fraud. We were sent chargebacks for services we had contractually completed, but PayPal told us we lost the dispute. PayPal sent my business 's debt to collection and both the debt collector and PayPal informed me that the debt was to me personally, not my business. Both told me that although I have a business PayPal account, somehow PayPal circumvents this. Neither were able to tell me legally how this is possible or where in the PayPal user agreement this is stated, but told me I was liable none the less. Neither could tell me what information I can gather from a customer to avoid future fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-22
Company: Paypal Holdings, Inc
State: WA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Paypal tried to collect a fraudulent charge from my XXXX XXXX credit card. XXXX XXXX requested documentation from Paypal to backup their claim and the requested my response and documentation from me. XXXX XXXX rejected their claim. After that Paypal changed the transaction ID and place back the charge on my account and they insist on collecting the same amount. I already sent them XXXX electronic messages using the Paypal contact us form to no avail. Paypal contact form states that they will respond in 24 hours. 
I just received an email demanding payment on the fraudulent amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-07
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
The amount of {$51.00} dollars was added to my credit report for collections. Incorrect information added saying the account is 2 years old. No contact with IC Systems.

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 2017-03-03
Company: Trident Asset Management, L.L.C.
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This was from years ago. My bank blocked payment from an online casino deposit on XXXX. I paid last year to get it removed off my credit report. Now it appears 3 times again on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have XXXX accounts that are over XXXX years old and should have already been removed from TransUnion. Because they have not been removed, They are affecting my credit score. I have requested they be removed and have received no response. 
I would have expected at least the fact they received my 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 2017-06-11
Company: Santander Consumer USA Holdings Inc.
State: MO
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 recently received a copy of my credit report and it shows an inquiry by this company that I do not recall authorizing.

Company response to consumer: Closed with explanation