BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
DEAR PORTFOLIO RECOVERY ASSOCIATES OR XXXX XXXXXXXX ACCOUNTS ; YOU FAILED TO RESPOND AND YOU ARE REPORTING XXXX FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. I NEVER HAD ANY PRIOR RELATIONSHIP WITH YOUR COMPANY OR ANY OF YOUR AFFILIATES. 

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : XXXX. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. XXXX. What is your authorization of law for your collection of information? XXXX. What is your authorization of law for your collection of this alleged debt? XXXX. Please evidence your authorization to do business or operate in this state. XXXX. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. XXXX. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-22
Company: SYNCHRONY FINANCIAL
State: CA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, CA XXXX XX/XX/XXXX Synchrony Bank, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, UT XXXX XXXX : Synchrony Bank Credit Card access Blocked I am Synchrony bank customer member since XX/XX/XXXX and I am enjoying all benefits since begin. XX/XX/XXXX I am try to use my credit cards and its not working. I am so disappointed all my synchrony bank credits card blocked without any future informing .Please explain to me why is blocked my all credits card after 2 years using. Following credit card blocked - Care credit Account ending in XXXX - CarCareONE Account ending in XXXX - Chevron and Texaco Visa Card ending in XXXX -JCPenney Credit Card ending in XXXX -GapCard Account ending in XXXX -Old Navy Card Account ending in XXXX XXXX, XXXX XXXX Account ending in XXXX -Amazon.com Store Card account ending XXXX XXXX -TJX Rewards Credit Card account ending in XXXX -Walmart Master Card account ending in XXXX XXXX XXXX Card account ending in XXXX - XXXX XXXX Visa Credit Card account ending XXXX -XXXX  XXXX Credit Card account ending XXXX attached my income details Bank Statements, Pay Stubs Physical address verification ( Credit Card Statement XXXX ) and Permanent Resident Card and California Driver License Please reactivated my cards as soon as possible. You need more information call me ( XXXX ) XXXX Thanks. 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 explanation
Consumer complaint received 2022-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Dear XXXX/TransunionXXXX ; XXXX ; Please see the attachments for detail. I was reviewing my credit report today with my family & noticed all those accounts below still reporting on my credit report as-is. Therefore, its telling me that you never conducted a truthfully investigation with your organization but however you continue to send me random pre-printed templates responses. Those items below continue to report with multiple inaccuracies and violations and they are incomplete and therefore unverifiable. 
Still continue to report multiple inaccuracies, incomplete, & unverifiable info! Different dates of XXXX, XXXX, XXXX, questionable balance, and inconsistent payment history and payment status. Delete for still multiple inaccuracies. DELETE!!! 

XXXX XXXX XXXX XXXX XXXXMultiple inaccuracies, DELETE! 
XXXX XXXX XXXX XXXXMultiple inaccuracies, DELETE! 
XXXX # XXXXMultiple inaccuracies, DELETE! 
XXXX XXXX XXXX XXXX # XXXXMultiple inaccuracies, DELETE! 
XXXX XXXX # XXXX*Multiple inaccuracies, DELETE! 
XXXX XXXX XXXX XXXX # XXXXMultiple inaccuracies, DELETE! 
XXXX XXXX # XXXXMultiple inaccuracies, DELETE! 
XXXX XXXX # XXXXMultiple inaccuracies, DELETE! 


I was also reading some new findings from cfpb about your level of investigation. And I quoted " CFPB Released a recent report detailing deficiencies of the 3 major credit reporting agencies : XXXX, XXXX, and TransUnion relied heavily on template complaint responses instead of providing meaningful and thorough responses to consumers, despite having up to 60 calendar days to respond. ''

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 2017-07-22
Company: Remitly, Inc.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I have tried to send {$1900.00} to XXXX through Remitly on XXXX XXXX 2017 and they promised to deliver the funds by XXXX XXXX 2017, which did not happen. I called the customer support they said that are having technical issues and still need some time to deliver. I called on XX/XX/XXXX and inquired about this, they said still they are having issues. I wanted my money back, they are saying that it can not be refunded until 10 business days. This company seems to be fraud, I am worried about the money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: Ad Astra Recovery Services Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
I have a a unverified account from AD ASTRA RECOVERY SERVICE. I had previously disputed this account. I have never done business with AD ASTRA RECOVERY SERVICE. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that AD ASTRA RECOVERY SERVICE Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that AD ASTRA RECOVERY SERVICE Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I DEMAND TO KNOW THE REASONS AS TO WHY THE XXXX XXXX XXXX ( XXXX ) ACCOUNT IS STILL REPORTING NEGATIVELY ON MY CREDIT REPORT THIS ACCOUNT IS FROM XX/XX/XXXX, WHICH IN THIS CASE I HAVE ATTEMPTED SEVERAL TIMES TO GET THE ACCOUNT REMOVED OFF OF MY CREDIT REPORT. I HAVE ATTEMPTED TO REMOVE THIS NEGATIVE ACCOUNT FROM MY CREDIT REPORT SINCE XX/XX/XXXX, WITH NO RESPONSE, NOR SUCCESS FROM EQUIFAX, XXXX  OR XXXX. I DON'T UNDERSTAND WHY THIS ACCOUNT IS STILL REPORTING, IF THE ACCOUNT AS BY PART OF THE FCRA, HAVE TO BE ACCURATE, VERIFIABLE AND COMPLETE BY LAW. AS A CONSUMER I AM AWARE THAT NONE OF THE INFORMATION DISPLAYED ON THIS ACCOUNT IS VERIFIABLE. PLEASE ASSIST ME AT GETTING THE ACCOUNT REMOVED DUE TO THE FACT THAT THIS IS REALLY AFFECTING THE OVERALL ABILITY OF ME GETTING FURTHER IN LIFE. THIS IS OBSTRUCTING MY GOALS FOR THE FUTURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 have called all   XXXX   credit bureaus about hard inquires made on my account without my authorization. I have also tried to go directly through the dealerships who did this no help. There are numerous inquires on my credit that I did n't authorize. I specifically told dealerships no more than  XXXX  and then I look and see multiple. Some of them are multiples inquires from the same place and should be removed.

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 2022-06-13
Company: Southwest Recovery Services, Inc.
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2022 I received an email from Southwest Recovery Services attempting to collect a debt amounting to {$950.00} allegedly owed to XXXX XXXX XXXX. I am a victim of a recent identiy theft, and this is for certain is not my account, and I do not have any knowledge of such balance owed to such creditor.

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 2020-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 XXXX XXXX XXXX, account NO. XXXX is wrongfully portrayed on my Transunion and XXXX  reports, for the fraud of the original creditor XXXX XXXX. Prior to service I provided my usual medical insurance as asked for ; I had an expectation that I would be required to pay my usual co-pay of @ {$50.00} and was prepared to do that. Instead prior to service and upon double-checking before leaving I was told by office staff " XXXX '', to my suprise, more than once that my INSURANCE WAS VERIFIED AND THAT THERE WAS NO-COPAY REQUIRED. Obviously this was a fraud perpetrated upon me by the original creditor, that the office worker 's statement was untrue. They knew they had me for any amount they chose to charge me with the threat of destroying my credit which the original lying creditor has done with their strong-arm collector. I've paid a bill I didn't owe according to the law and have had my credit ruined by a fraud perpetrating original creditor colluding with a collector.

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 2022-01-26
Company: EQUIFAX, 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:
Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information. 
I m disappointed! I dont know how to delete it from my name

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: U.S. Collections West, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
on XX/XX/XXXX a judgment was filed by XXXX XXXX XXXX XXXX XXXXUS COLLECTIONS WEST for {$1200.00}. On XX/XX/XXXX, I contacted US COLLECTIONS WEST to pay this judgment from my Eviction Action Hearing. I was treated with hostile and threatening language by XXXX XXXX and XXXX XXXX XXXX. I paid {$1600.00} to US COLLECTIONS WEST on On XX/XX/XXXX, and requested a copy of my receipt from XXXX XXXX he refused to provide me with the proof that the debt from my judgment I owed XXXX XXXX XXXX XXXX XXXX was satisfied in full. And now US COLLECTIONS WEST have also added a different collection account having XXXX XXXXXXXX XXXX XXXX XXXX as the original creditor for {$690.00} to my XXXX credit report. I make and receive calls to and from XXXX and XXXX The first call I made to them was at XXXX XXXX on XX/XX/XXXX below there are other calls to and from them on XX/XX/XXXX. I also spoke with XXXX XXXX the VP two times that day. around XXXX and then again around XXXXXXXX XXXX and XXXX XXXX on that same day.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have contacted both Experian and XXXX numerous times to resolve this complaint and account with inaccuracies. Both reporting agencies have responded with saying the information I was disputing ( never late ) has been verified by the creditor. However, the creditor told me that they actually never responded to the disputes that were filed but the reporting agencies said they had. I took the following steps according to the law and asked for the method of verification from the reporting agencies and they told me they did not have to give me that information. I stated the law and what it says about a consumer requesting that information and they had 15 days to send it to me. They told me I was wrong, and that the creditors were responsible for sending that documentation. I was transferred to a supervisor with both agencies ( Experian and XXXX ) and they would not confirm nor deny my rights but they both said they did not have to have verified proof, or any physical information from the creditors to display it. All they needed was an electronic message. I again read the law stating they had 15 days to respond to me after I requested verified proof and again I didnt get anywhere. Both agencies told me the exact same thing, they did not have to have anything from the creditors to report the information. However, they are required to have this information in their hand, and send it to me in writing with the business name, phone number, and names of the people they talked with for the investigation. They both stated they did not have any of this information and stated it multiple times. I sent certified mail asking for the verification in XX/XX/XXXX and have yet to receive anything from them on how it was investigated. They are damaging my ability to gain credit and get the best rates possible on our home loan. The account in question is XXXX XXXX, a credit card with an XXXX credit line and closed in XXXX. 2016. I have attached the certified mail and receipt for the request of verification. Its been almost 3 months.

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 2022-06-13
Company: DISCOVER BANK
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The original creditor was Discover. Due to financial hardship ( loss of jobs ), I could not continue the payment on the account. It was sent to XXXX and XXXX in XXXX XXXX. I was repeatedly harrassed, the debt inflated quickly, but I eventually reached a settlement agreement with XXXX XXXX XXXX that I repeattedly told them was beyond what I could pay. They still insisted and set up an automatic bank withdrawal via post-dated checks. I called after every payment to indicate that I could not make the next payment. When the last payment was due, I did not have the funds and could not come up with the funds. I called to let them know, they drafted anyway, and it bounced. 

When I tried calling to set up some way to make the last payment, they told me I was out of luck and that I would be responsible for the entire debt before the settlement because I failed to make the payment. 

I didn't hear from them for quite a while until I became aware of a default judgment against me. They had served the renter of our property, and I never received the summons. 

Earlier this year, I received a call indicating they would like to discuss the matter. With over a decade since the original conversations, I asked that they send me documentation in writing instead of an inflated value over the phone of an amount that is quite larger than the original debt and the judgment. I have yet to receive anything. It has been months. I would like this matter settled in a fair and accurate way as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22
Company: Aqua Finance, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XX/XX/2018-I signed a personal " unsecured '' loan for approximately $ 33k for home improvements roofing, siding and doors.I was promised in writing no lien would be placed on my home if financed through XXXX  XXXX XXXX and Aqua Finance Inc. " No lien '' was on their main web site and further emails I received. I was told verbally at least 6 times no lien will be filed.Aqua Finance company placed a UCC lien on my home without my knowledge.I was told by both entities no lien would be placed. After reviewing contract after discovery of lien, contract uses verbiage on application referring to UCC, security interest. VERY misleading and dishonest. If at any time I was notified by Aqua finance that a lien would be placed, they used misleading verbiage. XXXX  XXXX XXXX claims Aqua deemed it necessary to lien because the loan amount was over {$25000.00}. I was never informed or notified of intention to lien. Aqua refused my request to review the phone call of myself and Aqua authorizing the transaction and what was recorded. I specifically asked and clarified no lien on the call. XXXX  XXXX XXXX  has removed their " no lien '' advertisement since my complaint and has not resolved anything. All payments have been on time and I pay more than the agreed payment. Never late!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
On X/XX/2017 My Legal Representatives sent both Wells Fargo Bank and XXXX XXXX XXXX. All the necessary paper work to stop the sale. Both XXXX and Wells Fagro Bank said that could not talk to my Legal Representative since they have not had 48 hours notice. They were sent the Thrid Party Authorization form but were told they have to wait the 48 hours. Now my home has been sold to a third party and still Wells Fargo refuses to work with me. I have asked for a loan modification but I was told that I make to much money and that they could not help me or would not help me. When I spoke to XXXX XXXX XXXX they told me that they did not receive any of the paper work from my Legal Representative. I tried to make the some of the payments thinking that they would work with me but they turned me down. I forgot to add that was never given a chance to see if I could get a re installment quote from them. They denied me at every turn. Which I feel is very illegal.

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 2022-10-07
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:
Im trying to personally fix the errors in my credit reporting. Instead Im dealing with more issues. I payed of a bill in full with XXXX XXXX XXXX  Account Number : XXXX for {$340.00} they falsely added a second account. Which I had already complained about through the all three credit Bureaus. The company did more research to find out I was right. The second account that was made after I filed a complaint. Was false and misleading for {$580.00}. 
These charges are to be off my account. There is no consistency. XXXX XXXX took off these charges. But add a false XXXX XXXX bill. 
XXXX Account XXXX Open XXXX Highest Credits : {$0.00} Balance : {$94.00} Then there is the issues of the false inquiries. 
Experian has found no merit to these hard inquiries. But XXXX XXXX who have showed no proof. Refuse to take them off with no proof at all. Please help me with these companies false reporting. I filed for the XX/XX/22 this has been more than 30 days. Please help me clear up these mistakes.

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