BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-02
Company: I.C. System, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Not enough information to very debt : In XXXX, XXXX and XXXX of 2019 I requested that IC SYSTEMS INC verify a debt according to the FCRA section 609 ( a ) ( 1 ) ( A ) -through the physical verification of an original signed consumer contract for an alleged debt of $ XXXX.So far they have only responded with verified as accurate but have failed to produce the documents required under the FCRA. By continuing to do so they have caused severe damage to my credit, and my next course of action is to take legal matters with the courts which I am entitled to under the FCRA and according to the FDCPA.

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 2017-09-11
Company: EQUIFAX, 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: Account status incorrect

Complaint:
this account with XXXX XXXX XXXX account number XXXX Date Opened XX/XX/2013 was never Past due 30 days six times or more late at any point please help e resolve this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-02
Company: Credit Service Company, INC
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX/2017 Credit Service Company , Inc. 
XXXX XXXX XXXX XXXX XXXX, CO XXXX Re : XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Outstanding : {$350.00} Dear Sir/Madam : On XXXX/2017, I received a letter from you attempting to collect on the above referenced debt. 

On XXXX2017, all debts prior to XXXX/17 to XXXX XXXX XXXX XXXX were included in Chapter XXXX bankruptcy, case number XXXX, in U.S. Bankruptcy Court for the District of Colorado. 

I trust that you will update your records to show that this debt has been included in bankruptcy. I also trust you will notify all credit bureaus that this debt was included in bankruptcy, if applicable. 

Enclosed are a copy of my Notice of Bankruptcy Filing and 341 Meeting Notification. For further information, including the accounts listed in my creditor matrix/schedule of creditors please contact the court directly or view in PACER. 

As you know, any attempt to collect on a debt that is under automatic stay is in violation of both the Fair Debt Collection Practices Act and Bankruptcy Protection Law. 

Case number XXXX was discharged on XXXX/17 :  The discharge injunction is permanent, survives the bankruptcy case and is always applicable with respect to every debt that was discharged. 

Any further contact from you regarding collection of this debt will be brought to the attention of the bankruptcy court as evidence of your violation and I will exercise my right to bring suit against you and recover damages of {$1000.00} or more for each incident, as is my right. 

I thank you in advance for your help in clearing up this matter and I trust that you will not attempt to collect this debt again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-02
Company: Experian Information Solutions Inc.
State: NC
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 have tried 4 times to request the information be removed from the 3 major bureau 's about accounts that are being reported by the agencies and they keep telling me that the information i being reported correctly on my reports. I have submitted the Fair Credit Report Act about how they must remove the information because they do n't have the required information to place it on my credit file. Each bureau XXXX, XXXX, Experian all have said that they are verifying this information electronically. Section 609 of the FCRA none of these results meet the requirements of this information to remain on my credit file.The dates below are the four times that I have requested the removal of this information. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 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 2022-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
XXXX and transunion are reporting inaccurate information on a childsupport case that is XXXX ( XXXX  ) years old and should not be reporting on my credit report.I would like the inaccurate information removed from my credit file.i have been denied credit for this. I have filed at least 30 disputes and nothing has changed..I also sent in a certificate payment history statement from Florida XXXX and still nothing has changed.I my FCRA reports have been repeatedly VIOLATED.

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 2017-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 have tried 4 times to request the information be removed from the 3 major bureau 's about accounts that are being reported by the agencies and they keep telling me that the information i being reported correctly on my reports. I have submitted the Fair Credit Report Act about how they must remove the information because they do n't have the required information to place it on my credit file. Each bureau XXXX, Transunion, XXXX all have said that they are verifying this information electronically. Section 609 of the FCRA none of these results meet the requirements of this information to remain on my credit file.The dates below are the four times that I have requested the removal of this information. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 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 2020-10-07
Company: MONEY SOURCE, INC., THE
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
The Money Source has been overcharging me for my loan. Since XXXX of XXXX, I should have paid {$180.00} towards my yearly insurance, nothing more. I have been sending them my tax exemption documentation repeatedly. 

I have requested this from the company and now I am enlisting the Consumer Finance support.

I would like an escrow analysis ran from XX/XX/XXXX because I have overpaid the following amounts : XXXX XXXX XXXX : {$100.00} Totaling : {$1200.00} XX/XX/XXXX : {$200.00} XX/XX/XXXX : {$300.00} XX/XX/XXXX : {$1000.00} XX/XX/XXXX : {$1100.00} XX/XX/XXXX : {$1100.00} XX/XX/XXXX : {$1100.00} XX/XX/XXXX : {$1000.00} Totaling : {$7200.00} As a XXXX XXXX  veteran the handling of this loan has not only created a hardship but my family and friends have supported me and watch the disinformation and obscurity that I have been met with by their representatives. It is nothing short of criminal. 

I am requesting the return of the overpayments for this mortgage. I am requesting a written explanation and copy of the $ XXXX check sent from the City of XXXX and cashed by TMS . This is not reflected on either escrow analysis that the company sent me. Again, I am met with disinformation. 

I will be making several complaints and leaving this company upon the return of these funds. Lastly, I am requesting that ALL late fees documented for this account be removed. 


Respectfully yours, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-02
Company: M&T BANK CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have been trying to close my account with M & T Bank for several months. The company keeps taking monthly fees and makes it impossible to close the account. At first I asked for the fees to be refunded or I would be closing the account. I tried to bring new funds into the account to prevent the fees, but the system to valdiate the debit card to arrange external transfers was not working. I eventually was able to validate my debit card after about 2 months. I told them cancel the account via online banking, then via phone. The company tells me I need to go in branch - This is impossible as I am currently located in texas due to working disaster recovery for hurricane harvey. I was then told the only option is to send in an account closure request via mail. This is an absolutely ludicrous company. The online banking interface is sub par, and they seem to not be up to 21st century standards.

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 2022-07-18
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:
the charge off my XXXX XXXX account in experian shows as XX/XX/XXXX while the XXXX account history should be XX/XX/XXXX .I have complained and dispute almost 6 times but never fixed by experian.This has caused be denial in home loans and also higher intrest rates for cars and denial of credit card

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 2021-08-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
The credit card company has denied my fraud dispute. They gave no explanation .They arbitrarily denied my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: Chime Financial Inc
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I been trying to access my chine account for a week..I sent in all the requested information..and explained to them that I would get fired from my place of employment if I continue to miss days and a week later still no access to my account..im now unemployed and still can't access my account or my money

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-02
Company: ResidentCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I disputed a debt on my credit report with Resident Collection for {$1200.00} with an open date XXXX XXXX, 2014 and it was deleted out of my XXXX credit file because the debt was n't mine well the company quickly put it back on my credit report using a different name but the same address the new name is Innovative Recovery Inc and they placed it in my XXXX credit report without notifying me of rights to dispute the debt before placing it in my credit file! They did n't give me a chance to dispute the debt or notice to dispute. Matter of fact I did n't know of this company until saw it on my credit report. It 's not my debt and they ca n't verify that it is so they are playing games by trying to use 2 different names with the same business address It was deleted from my XXXX credit file because it was n't my debt! I contacted the apartments from where the debt was supposedly originated and they said they have no record of me owning this debt and they fax a letter to verify that I did n't owe them anything at the time! So I do n't know how this collection is claiming I owe and the original creditor is saying I do n't!!! 
They are violating all kind of FCRA laws with these shenanigans! I want to explore the possibility of a class action lawsuit against them!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: Experian Information Solutions Inc.
State: LA
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:
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer report agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for 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 2022-01-15
Company: Santander Consumer USA Holdings Inc.
State: CT
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received a statement in the mail today for a {$20000.00} loan made in my name but not by me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-02
Company: BorrowersFirst, 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: Account information incorrect

Complaint:
I have contacted this company about 7 times already to correct the payment information on my account. After speaking with a supervisor about two times once they called me they agreed to remove the late derogatory information off my account. While I waited 3 months it 's still there I tried reached out to the company again and they informed me that they put the request for that department to remove the late payment and they reassured me that they will fix the report and notify the credit bureau so they can update the system.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
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:
In 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 2019-08-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I traveled to XXXX on XX/XX/19 and thats when the transactions started being flagged as fraudulent. This is the second time now that Capital One has shut down my card when I was out of town. Capital One declined my pre-authorization for an XXXX ride from the airport to home on XX/XX/19 leaving me stranded at the airport. 

I need them to understand I travel and they can not shut down my card every time I am more then XXXX miles from my home. Last time it resulted in my account being closed and it took months to resolve. I understand they are trying to protect me from fraud but I can not have my account flagged as fraud just because I am out of town. 

Please mark my account profile as someone that travels and stop shutting down my account, its very annoying and embarrassing to have your card declined and flagged a thief.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: WELLS FARGO & COMPANY
State: TN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received in the mail, that I have recently applied to open an deposit account with Wells Fargo. However, they were not successful in opening the account, and sent the letter by mail to inform me. 

I have not recently tried to open any accounts regarding any new banks, and I will like to put an consumer alert on my account, preventing others from opening any new accounts at the moment.

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 2022-03-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted this company Portfolio Recov Assc to provide me with a signed contract to validate their claim no one ever responded. I sent out a letter on XX/XX/2022 I ended up sending another letter on XX/XX/2022 Certified mail. I have all my documents!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
Company: Security Credit Services, LLC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
I have contacted several times and disputed with a few companies to get this collection removed Due to identity theft UNAUTHORIZED CHARGES I am not familiar with XXXX I disputed this through XXXX if you guys do not remove this collections off my credit report i will exercise my rights to the Ohio Attorney General and make this news media if this is not removed! Please remove this so i don't have to keep sending in complaints and letters repeatedly weekly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: Nelnet, Inc.
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I dispute the amount of my federal student loans, and would like a copy of the agreement or promissory note outlining the terms of my loans, which span XXXX, XXXX, XXXX. I don't have any records showing what I am being asked to repay and how those funds were distributed to the school.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I have a complaint against PayPal for unauthorized transactions, false directions, Invasion of Privacy, fraud and scam. 
XX/XX/2018 I was trying to access my api to set up payment on my hosting account. I called PayPal to find who the third party was that was using my account. The representative told m that my account needed to be updated first then he would take care of the api situation. The representative, he used the XXXX XXXX XXXX XXXX  to update my computer to the new PayPal program. He then wanted to test my bank account and credit card. The representative put {$430.00} into my bank account without my ok, then told me that the only way he could see if the account was active is for me to go get {$400.00} worth of XXXX XXXX Gift Cards and come back to read him the number on the back. 
I went and got the XXXX XXXX Gift Cards, came back home and gave him the numbers. I then asked about the api situation. Then I was told that I had to go through the previous process again. I told the representative that as long as I have been dealing with PayPal I have never had to go anywhere and purchase anything to prove that my account worked and that PayPal never tested any of my accounts over {$2.00}. I was told that if I wanted to straighten out the api situation that I would have to do what he said. I told him that I refused to go back to the store. 
So the Representative put his supervisor on the phone. The Supervisor went through the same drill and entered {$1000.00} into my bank account without my consent. I asked him why did he put that large amount of money into my account and that I did not tell him to do that. He told me to go get the gift cards or that I would get a lot of trouble. Still on the remote support, he order four gift cards from XXXX in the amount of {$200.00} each and told me to call XXXX and ok the authorization. 
In the meantime, XXXX emailed me about an unauthorized transaction and to change my password. I then started reading more emails. PayPal sent me an email saying the {$430.00} was a transaction error. 
Gift Card Scams from PayPal. 
The phone numbers associated with this event are : XXXX, XXXX, XXXX, and XXXX XXXX. 
XX/XX/2018 XXXX XXXX says PayPal tried to take {$480.00}. Unauthorized. XXXX shows the deposits and other transactions. 
XX/XX/2018 Received another email : transaction error or {$1000.00} and a minus {$1000.00} in my Paypal Account. Paypal is blocking me from reporting to the resolution center. I need to be refunded {$400.00} for the gift cards the rep verbally forced me to get and my account cleared as it was before this incident. 
Also, I was told by the supervisor that the only way I could return the money is by purchasing more gift cards. Which an email about a transaction error will follow.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-18
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Midland Credit Management is contiuously harrassing and getting accounts wrong. They are saying that I owe a debt that not only has been paid but also others that are beyond 7 years old and somehow are only showing on my report in the last year. 

There are 11 derogatory marks on my credit report 9 of which are coming from midland and all have been " bought in the last two years '' for older accounts than 7 years ago. They have threatened legal action, call at all hours, mail harrassing letters, and when contacted threaten further. I am also being contacted through email as well. 

This has to stop. They have to stop.

Company response to consumer: Closed with explanation