BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-26
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: Problem with personal statement of dispute

Complaint:
Hello, I am sick and tired of going back and forth with you about a bankruptcy reporting on my credit file. I received a response from you from the same issue which you failed to respond within the 30 day time-frame back in  XXXX    XXXX  . Complaint #  XXXX  has stated that   XXXX   was requested to verify the information concerning this bankruptcy. If fact, this was their last response. " TransUnion has verified that the bankruptcy information reported in your credit report accurately reflects the public record of the United St ates Federal Bankruptcy Court,  and is currently reported on your credit report as permitted by federal law. '' I looked into this issue even further. I actually had a conversation with a court representative. I asked him, " How is it that  XXXX  or a  Third Party  able to " verify '' that the court information is actually mine? '' He said on the original petition there is a full social security number only and filed under seal. In order for a credit bureau or any third party to obtain this information, they must file a motion with the court to unseal documents related to a case.     I then decided to contacted the Bankrupt cy Court and they informed me that they do not provide anyone with a debtors full social security number, an d they do not provide any credit bureau any information relating to any bankruptcy cases. As you well know, it is a violation of the Fair Credit Reporting Act to report erroneous information on a creditreport. I ask that you remove it immediately.

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 2022-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please be advised this is my XXXX WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite XXXX previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX XXXX XXXX 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 2022-08-23
Company: BANCO POPULAR DE PUERTO RICO
State: PR
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, 2022 The problem si that the popular banck of XXXX XXXX deos not report the mortgage Oln to the credit agnciese

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Subject : Inaccurate information on Credit Reports To resolve my complaint with XXXX Credit Bureaus with fair resolutions, I mailed a Good Will letter to XXXX, XXXX and XXXX on XX/XX/XXXX and XXXX XXXX XXXX to update my credit report, keep my accounts in good standing, and fix any delinquent late payments, inaccurate information including derogatory remarks, unverifiable/outdated, and incomplete items/information including removing transferred and third party sold accounts. One discrepancy is ( along with several ) is the different numbers of open/closed accounts on all the Credit Bureaus XXXX XXXX, XXXX and XXXX. Each Good Will letter to all three credit Bureaus was sent with the same information. Below is the Finance Company and Credit Data Corporation with Company names, dates and credit report information : On XXXX XXXX XXXX XXXX Credit Report ( XXXX XXXX  XXXX ) ( XXXX XXXX XXXX ) XX/XX/XXXX From XXXX Portfolio Recovery Associates is showing past due and have derogatory remarks but account was removed. 100 % Payment history is excellent with no Hard Inquires. My Credit Cards use rating is excellent with XXXX balance and credit age 10 months. Low impact on open and closed accounts. XXXX accounts. 

On XXXX XXXX - XXXX Credit Report ( XXXX Score XXXX ) ( XXXX XXXX XXXX ) XX/XX/XXXX there are derogatory remarks and in collections from XXXX XXXX original creditor XXXX XXXX XXXX XXXX$610.00} opened XXXX ( not in collections and no derogatory remarks on XXXX credit report ). XXXX Portfolio Recovery Associates removed with no derogatory remarks on XX/XX/XXXX XXXX XXXX XXXX. Number of accounts XXXX. 100 % Payment history excellent Credit card use rating is excellent with XXXX balance on credit card usage but credit age 10 months. Zero Hard inquiries. 

On XXXX ( XXXX Score XXXX ) XX/XX/XXXX XXXX, XXXX Portfolio Recovery Associates original creditor XXXX XXXXXXXX XXXX collection account showing in dept collection {$1700.00}. That account was removed from XXXX and XXXX credit report between XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX XXXX credit card credit limit {$300.00} was paid on time with no past due amount. XXXX XXXX original creditor XXXX XXXX XXXX  date opened XX/XX/XXXX high balance {$840.00}, ( but on XXXX report balance {$610.00} opened XXXX. 36 Closed accounts. 
Please correspond and update all inaccurate information accordingly, Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: Specialized Loan Servicing Holdings LLC
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 being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I have a loan with SPECIALIZED LOAN SERVICE. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. The confusing part for me is it doesnt reflect anything except 30 days past due. Ive never been behind on my payment, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I tried contacting the XXXX and XXXX Credit Bureau and the SPECIALIZED LOAN SERVICE but they have provided me with nothing tangible which reflects anything verifiable. There is definitely an error with their part. I was never late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. Investigate properly and please update for 100 % accuracy. 
XXXX OF XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2200.00},

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 2022-08-01
Company: Paypal Holdings, Inc
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Good Morning ; I am a normal good-hearted tax paying citizen of the United States XXXX 

I am writing to inquire as to the reasoning that Venmo would have a money transmitter 's license if they fail to transmit money when needed. 


They have committed a most Grievous offense against me with no explanation offered whatsoever. I am stranded at a gas pump on state line late on Sunday evening without a XXXX to my name. 


I contracted XXXX  this last week and it cost me much more than I had readily available to make this trip. I borrowed money from a friend who sent it to me via Venmo and it has been locked in my account with no means to withdraw it. 


It would not withdraw directly to my linked XXXX XXXX XXXX Account, and when I try to link my debit card associated to the same account, an error appears claiming the ZIPcode, which I have had for well over a year with this very same bank account, is not valid. 


Upon attempting to send the money back to my friend, my account was locked. 


The support hotline was of zero help whatsoever and informed me that it could take up to 3 weeks to be resolved due to the high volume of cases they are handling. 


In what quasi-functioning universe is this even acceptable? 


We are talking about US DOLLARS held hostage by gross negligence. My safety is at risk. I am literally stranded. 


Being a money transmitter and accepting fees for transmitting money would insinuate the service Works without fail? That XXXX support should be accessible for ANY issue that may arise? 


I urge that this case is investigated immediately, as I am assuredly one of the few having this issue with the wit to know whom to ask and whom to report to. 


Feel free to contact me by thus email with further questions. 


My support ticket # is : XXXX Under no circumstance whatsoever should a user 's funds be locked without a given reason. This organization offers an account and routing number, a card and banking services. 


I want answers and I am scared. 


Please help. 

Attached screenshot shows I violated terms of service and doesn't explain how. By attempting to send the {$300.00} I could not withdraw BACK to the dear friend who sent it to me???? 

This is the WHOLE truth.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-09
Company: Regional Management Corporation
State: GA
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:
In accordance with the fair credit reporting act XXXX account # XXXX has violated my rights. 


15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 a section 2 : it also states can not furnish an account without my written instructions.

15 USC 1666B a creditor may not treat a payment on a credit card and open - end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XX/XX/2014 Portfolio Recovery purchased this XXXX XXXX account Attempts have been made to advise PRC that this account was taken out without my knowledge or consent. I have been looking for any paperwork with my signature on it and it has not been provided. 

This debt is time barred at this point.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hello, My name is XXXX XXXX, I am writing to request these items to removed from my credit report. 

1 ) Incorrect Employer : XXXX The correct employer should be : XXXX XXXX XXXX XXXX Please update 2 ) Late Payment from XXXX XXXX XXXX XX/XX/XXXX Account number XXXX XXXX ) I do not recognize these inquiries. I would like to remove them from my credit report XXXX Inquiries These lenders have accessed your credit file : XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: EQUIFAX, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXXXXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: U.S. BANCORP
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I enrolled in a Covid forbearance with US Bank home mortgage under the cares act in XX/XX/2022. My income remained impacted by covid and this forbearance continued through XX/XX/2022. At that time I had returned to work full time and informed the company that we would be able to resume payments. I continued to attempt to set up a repayment plan with us bank, making multiple phone calls to customer service. I was initially informed that I should choose a repayment plan using the app. When I attempted to use the app, the options appeared briefly but then locked out and disappeared before I could select an option. I immediately notified us bank and was informed that because I did not select an option, I would need to send a signed letter to US bank requesting that my account be removed from active loss mitigation. The representative informed me that my options for repayment would then be reinstated 7-10 business days later. I emailed the letter as requested on XX/XX/2022. The email was sent to the email address that the representative referred me to ( XXXX ). My account status has remained unchanged since that time. I called and spoke with a representative on XXXX, who stated he could escalate my request but that the company may later request additional information. I made several attempts to call on XXXX only for the calls to automatically disconnect. I then dialed from my work number ( unknown to the company ) and was finally able to speak to a representative! This representative is now saying that we will need to fill out an application for mortgage assistance as out forbearance has expired. I feel that US bank is violating the cares act by causing confusion and difficulty surrounding the exit options and intentionally dragging their feet in order to force the borrower into default. They failed to provide education regarding our options for repayment.

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 2022-09-27
Company: Glass Mountain Capital, LLC
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter dated XX/XX/XXXX after repeated phone calls and I told them I did not have an account with this bank in Missouri. They want me to pay a debt of {$1300.00} and the letter came from Glass Mountain Capital trying to collect a debt from XXXX XXXX XXXX XXXX. I want the collections to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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: Overcharged for something you did purchase with the card

Complaint:
On XXXX posted date, my wife and I ate lunch at XXXX XXXX in XXXX, XXXX {$28.00} Upon arriving back at home we noticed there was an extra charge for large bowl of XXXXXXXX XXXX XXXX We did have XXXX bowls but there was a charge for " airplane bowl '' ( large ) which we did not have for {$10.00} I sent receipt of restaurant to Capital one in XXXX without response for credit of {$10.00} Please credit me money and let merchant know of overcharge

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-27
Company: CITIBANK, N.A.
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:
XXXX XXXX XXXX pulled my credit report three times in XXXXXXXX XXXX XXXX, and I only applied once.

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 2022-09-27
Company: Experian Information Solutions Inc.
State: AZ
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 have proceeded with several disputes advising that this information is not mine that the address on file is not mine refuse to delete information stating that it is accurate when it is not

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 2022-08-01
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Synchrony bank is damaging my credit I pay my cards on time or before time never been late that lower my credit without cause they have damaged my credit score I havent used up two of the cards and they just made it looks as if I used up the limit I spoke to them about it I was told to dispute it this bank has bad practice of issues of killing scores this is terrible they have lowered my scores please help, Thanks

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