BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-29
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am trying to apply for financing for a home and there are items listed that do not belong to me. I have a feeling Experian has merged my credit file with someone else. There is an inaccurate social listed XXXX which is NOT mine and a name I have never used XXXX XXXX. I do not have or ever had a XXXX XXXX account # XXXX or a XXXX # XXXX showing or a XXXX credit card for {$250.00} # XXXX on my credit file. This situation needs to be resolved ASAP. I also have submitted a dispute by mail.

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 2016-03-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AR
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Portfolio Recover Associates is reporting a collections account on my XXXX, XXXX, and XXXX credit reports. On XXXX/XXXX/XXXX I sent them a letter asking for verification of the debt. They sent a response letter stating that in a previous letter they had asked me for more information but I never sent it. I never before received a letter, email, or phone call from them requesting additional information. On XXXX/XXXX/XXXX I sent another letter requesting verification of the debt, which they responded with a letter saying in a separate letter they sent me a request for information and I never sent it. These are BOLD FACE LIES! They have never attempted to contact me requesting additional information and are using this lie as a means to continue reporting false information, as they have been unable to verify the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03
Company: The Regional Adjustment Bureau, Incorporated
State: WI
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XXXX/XXXX/17 I obtained a copy of my credit report from XXXX and noticed that XXXX has allowed a collection agency named Regional Adjustment Bureau to insert in and duplicate a debt that is already listed on my credit report with the XXXX. SO now the debt is listed twice! Different amounts different dates! What is happening is that the original company ( XXXX XXXX ) account is near its time of deletion from my report, and they have sold my account to a collection agency in which I have " NO CONTRACT WITH '' and now the debt is listed twice! A clear violation of law! Regional Adjustment Bureau has illegally added this debt to my credit report. Every few months another company buys the debt which now its ( Regional Adjustment Bureau ) reinserts it changes the dates and amounts and list it negatively on my report again. Most recently they have not payment history for the last 2 years but have the debt listed as being open in XXXX and a balance of XXXX as of XX/XX/XXXX. This is NOT true and a total lie in an attempt to ruin my credit. I have NEVER received any correspondence from Reg Adj Bureau and want this removed from my XXXX Credit Report asap! This is against the law. They have violated the FCRA Section XXXX ( a ) ( 3 ) and FDCPA Section 807 ( 8 ).

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 2020-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I bought 3 cars in the past months and the dealers Were running credit checks without my authorization. Calling Bank after the bank after bank hit after hit after hit. They destroyed my life. Theres over 60 hits

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 2016-10-01
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am a victim of identity theft and I have an unauthorized and fraudulent account and inquiries listed on my Experian credit report. The following account and inquiries are unauthorized and fraudulent : XXXX, XXXX/XXXX/XXXX, XXXX, XXXX/XXXX/XXXX, XXXX, XXXX/XXXX/XXXX, XXXX, XXXX/XXXX/XXXX, XXXX, XXXX/XXXX/XXXX, XXXX, 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 non-monetary relief
Consumer complaint received 2022-05-20
Company: CREDIT ACCEPTANCE CORPORATION
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:
In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights 15 usc 1681 section 602 a state I have the right to privacy 15 usc 1681 section 604 a section 2 : it also state consumer reporting agency can not furnish a account with out written instructions.

15 usc 1666B : A creditor may not treat a payment on a credit card account under an open and consumer credit plain as late for any purpose

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 2015-11-30
Company: Paypal Holdings, Inc
State: CA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
Paypal offers a purchase protection. I purchased a new ultrasonic cleaner on eBay and paid with Paypal. The item was dead on arrival. I contacted eBay and they told me I am covered under Paypal 's purchase protection. I checked the policy and I saw that I qualify for protectin under their policy. I called them and they filed a claim. However, they denied my claim. When I called back, they said they need the proof that the item was broken when it arrived. I told them I have the dead item and could send any proof they need ( e.g. the item if they want, a video, etc ). They said they will file a appeal and will tell me what proof to send. However, they have denied it again without specifying what kind of proof they need. It seems like Paypal 's Purchase Protectin is a scam. They keep filing and denying you for no good reason until you give up. In this case, have a dead item that I paid full price for trusting I was covered if things go wrong and now have no recourse. Paypal are not standing behind their promise. 
I expect Paypal to stand behind their Buyer 's Purchase Protection. It states they 'll reimburse for the full purchase price plus any original shipping costs. This is a seller that they have certified and if they are fraudulent they need to deal with directly. I placed this order based on the fact that I would be covered if things go wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11
Company: Collection Bureau of the Hudson Valley, Inc.
State: NY
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:
For the winter of XXXX, I purchased my home heating oil from XXXX. 

I was on a monthly billing payment of {$290.00} I terminated my business with them in the spring of XXXX ; at that time I was credited back {$290.00} for an automatic payment that had already been made. 
Shortly thereafter, I received a bill from XXXX indicating that I had a balance of {$290.00}. I contacted XXXX and indicated that I did not believe that I owed them any money, and requested that they send me a detailed accout of my purchases and payments for the XXXX season ; this information was never received. 

Within approximately two ( 2 ) weeks, I recieved a demand for payment, in the amount of {$290.00}, plus an {$88.00} fee, from the collection bureau of the hudson valley. I again contacted XXXX in XXXX and again requested a detailed accounting ; again I did not receive anything. 

I then received, from the collection bureau of the hudson valley ( cbhv ), a demand for payment in the amount of {$680.00}! 

I spoke with XXXX at CBHV, indicated the discrepency between the alleged amount due from XXXX and the {$680.00}, and I again asked for a detailed accounting of my account. 

I received from XXXX a listing of payments, credits and oil deliveries for XXXX only ; I did not receive an accounting for the entire heating season. 

I contacted XXXX and indicated that what was sent to me from XXXX was incomplete. In addition, while still disputing the amount of {$290.00} that XXXX originally billed me, I asked him to explain why a final demand of payment from XXXX of {$290.00} was now {$680.00} ; XXXX could not explain this discrepency. 

I informed XXXX that I was again requesting a detailed accounting of my account with XXXX from XX/XX/XXXX through the end of my relationship with XXXX in the spring of XXXX. 

I further informed XXXX that if I did not receive such information within two ( 2 ) weeks, I would pursue my complaint. 

To summarize, I am disputing any amount due to XXXX, whether {$290.00} or {$680.00} until such time that I receive adequate documentation that I in fact owe any money. 

It is also my impression, which I shared with XXXX, that I believe CBHV knowlingly, and with malice, intentionally increased the alleged amount due from {$290.00} to {$680.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-11
Company: R.M. Galicia, Inc.
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am receiving calls from Progressive Management Systems about an outstanding bill that my ex-husband owes for my son. I have asked the company to remove my name and telephone number, but they continue to call. 

I refuse to pay this bill because my child 's father is responsible for this bill.

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 2022-05-20
Company: SF VAGO, LLC
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:
In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights 15 usc 1681 section 602 a state I have the right to privacy 15 usc 1681 section 604 a section 2 : it also state consumer reporting agency can not furnish a account with out written instructions.

15 usc 1666B : A creditor may not treat a payment on a credit card account under an open and consumer credit plain as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24
Company: Financial Credit Service, Inc.
State: MA
Product: Debt collection
Sub-product: Payday loan
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
I received a call from an " Unknown '' number claiming I was being brought up on charges for check fraud. They also called my mother. XXXX XXXX left a voicemail so I called the number she left XXXX XXXX ext. XXXX ) and tried to get information from XXXX XXXX who says she works for ARA the Process and Summons division at my XXXX District Court. She told me she was sending people to my house and every address she had on file until they found me ( I felt threatened ). She was extremely rude, told me she does n't want to talk to me to just go to court because I ca n't pay my bills and to " get off my line '' and hung up on me when I asked for a validation notice and the name of the company and address.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I am writing in regards to the late payments on my account. In the years XXXX I was dealing with personal illness and death in my family. I had even started the process of applying to have my student loans permanently discharged. Due to illness I was unable to work, and that is why I got behind in my loan payments. Nelnet was notified of this health issue, and I started the discharge of loan application with Nelnet, so Nelnet was property notified of my health issues and therefore should not have any negative postings on my credit. Today my health has recovered substantially, and I do work, and I am a graduate student. Upon graduation I will gladly work with Nelnet to repay my student loans ( currently they are both in deferment and in the low income repayment plan ). I wish to say my ability to repay Nelnet would be substantially increased if Nelnet removes the late payments from my credit report. While it is and always was my responsibility to repay my loans and work with Nelnet on that matter, I should not be permanently penalized for this matter because doing so impedes my ability to earn money and pay Nelnet back. Please remove the late payments from all three major credit bureaus. I have been responsible for Nelnet payments or keeping my status up to date for about two years now. After disputing this on XXXX, XXXX had deleted all but one of the negative accounts. But then Nelnet decided to repost the negative entries.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act XXXX  account with 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 an 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 2017-02-03
Company: Trident Asset Management, L.L.C.
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:
This company has not verified the debt. There is no contract with my signature sent per request.

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 2016-11-03
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I HAVE BEEN DISPUTING WITH EQUIFAX OVER A UNAUTHORIZED/FRAUDULENT CREDIT INQUIRY FROM XXXX SINCE EARLY 2016 AND EVERYTIME THE SAME STORY, THE RESULTS ARE { FACTUAL } RECORD ON FILE. I 'VE LOST TRACK ON HOW MANY TIMES I 'VE DISPUTED THIS CREDITOR WITH THEM BY PHONE/FAX AND EMAIL AND NOTHING HAS BEEN DONE. XX/XX/2016 I SENT XXXX A LETTER MY SELF TO DISPUTE THE INQUIRY AND THE XXXX MAILED ME A LETTER CONFIRMING THAT THEIR INQUIRY WOULD BE REMOVED OFF MY CREDIT REPORT FROM EQUIFAX. I 'VE SENT IN THE LETTER FROM XXXX AND MY LETTER WITH THE PROPER DOCUMENTS AND THATS WHEN I RECEIVED THE NEWEST CREDIT REPORT BACK FROM EQUIFAX SAYING THAT THE INQUIRY IS FACTUAL!!!!! RECORD ON FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Equifax said that : " Please be advised the following accounts had been deleted for the credit the file in case number XXXX XXXX XXXX XXXX account numbers XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX and XXXX XXXX account numbers XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX.Written confirmation was mailed to you. '' YET 1 ) Most of these inaccuracies are STILL on my credit report. For instance, my Equifax credit report says that my installment loan amount is $ XXXX+ when it 's actually around $ XXXX. 
2 ) I was NEVER mailed a written confirmation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
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:
This credit card account is not mine. I have contacted the original creditor XXXX XXXX and the collection agency handling the account. they said it was opened on line, they are unable to provide me with any signed contracts regarding this or validate the debt. I have never even heard of this company. They have now sent it to the credit bureau and said Im responsible for the debt. I dont understand how they can hold me liable for a debt that is not mine? It is fraudulent or they have made a mistake somewhere within their company either way this is not my debt. I want them to remove the debt from my credit report and seize any further collection attempts toward me and stop credit reporting regarding this account. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: AmeriCollect
State: WI
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 sent a letter to AmeriCollect at the beginning of XXXX stating that I need proof that I've released authorization for medical documentation to be released to the credit agencies. This letter that I sent was dated : XXXX regarding debt that is being reported as mine on my credit report. All of the debt that they are reporting is supposed to be from medical debt. Their follow up response was to send me itemized statements of medical bills. This is concerning on many levels. I feel as though they've breached my HIPPA rights and unfortunately, they've potentially exposed medical information to anyone who has access to my CBR. I sent a follow up letter On XXXX and no follow up has been made to resolve obtaining proof and consent that my authorization was given to release medical information to any 3rd parties - including the credit agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05
Company: Michael Haynes & Associates, LLC
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
We had a small business during hurricane XXXX and took a loan from XXXX, after the disaster we lost the business, years later collection companies started calling about the balance of the loan and we told them the situation, the fema and Sba has helped us get back up and running but this new collection company keeps trying to collect on our loss, we made the mistake of giving our checking account but he never processed any payments because he tried to get more each time

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XXXX and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX CXXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/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 2015-06-11
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have sent in Identity theft blocking packet including police report to all credit bureaus to remove the items that are n't mine. Now they have blocked my credit report and I ca n't pull it. I submitted the information via certified mail and all packets have been delivered and no response for equifax, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-06
Company: STATE FARM BANK, FSB
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX/XXXX/2015 I was arrested and sent to XXXX XXXX XXXX, While I was XXXX a lot of Fraudulent activity on my account, State Farm Bank was aware of my incarceration and they did not monitor my account properly : On XXXX XXXX, Multiple XXXX XXXX Transactions in the amounts of {$1400.00}, XXXX XXXX, XXXX transactions in the amounts of {$310.00}, {$160.00} were issued on XXXX XXXX, On XXXX XXXX I was issued an Affidavit and it was sent to the XXXX XXXX XXXX which I filled out and sent back, and a block was still not put on my account and I asked them not to issue me another debit card until my release from XXXX XXXX XXXX. My funds were replaced in XXXX it happened yet again, I was released on XXXX XXXX after accessing my account online, I went into online chat and was told that I would have to file a Police Report and that State Farm Bank does not have the manpower to monitor each individual account, other than that there is nothing that State Farm Bank could do for me. When I called Customer Service they stated that they issued XXXX debit cards without my permission and a card with my pin number on it. Contacted State Farm yet again with regards to this matter because I received a letter XXXX XXXX stating that my account is overdrawn and there is a block on my account, No transactions into or out of my account and my New Debit Card can not be activated, I have children and bills in my household that need to be paid. Where was this block on my account, when I really needed it?

Company response to consumer: Closed with monetary relief