BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-10
Company: Experian Information Solutions Inc.
State: PA
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 a charge off on my credit bureau which is the result of identity theft, it is for {$130.00} and placed there by something called the XXXX XXXX. I filed an identity theft report with the FTC, reference number XXXX, and tried to dispute on-line. Experian 's on-line website will not allow-it requires calls for all claims of identity theft. I called the number, it is Experian 's general number, has no prompts related to ID theft, and after working my way through its menu and a 15 minute wait, I finally reached an individual because who was supposed to be able to handle a dispute but this person was not empowered to handle an identity theft claim. This rep, after asking me for my private information, transferred me to the Fraud department where I have been on hold for over 15 minutes now and have had to listen to repeat ads about how if I pay for Experian 's ID theft service I will get a dedicated person to help me. This is wrong. I just want to file an identity theft report. I have a legal right to do so. Experian should not be allowed to place so many hurdles in the way!

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 2021-04-16
Company: Torres Credit Services, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This company continues to attempt to collect two debts from me. one for {$1100.00} and the other for XXXX. Supposedly they are two accounts from XXXX XXXX that show the same dates of service. First, how is that even possible? Second, those are not my accounts. They took it off my report once and they now have come back again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
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:
I have paid down all my credit cards on XX/XX/XXXX and my credit card companies have sent an update to XXXX, XXXX, and Equifax but they have still not posted the update to their reports - I have called each one and have asked them to update but they make me go through the process of doing a dispute rather than just publishing the new information. I need them to update it as I have to raise my score as much as possible to get a mortgage. I have even had the credit companies send letter to them - attached are copies of the letters

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: Revco Management, LLC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
REVCO - ACCOUNT NUMBER XXXX AND THE Blance is XXXX. The last payment was on XX/XX/2022. I request it be removed from ALL ( 3 ) Credit Bureaus as paid as agreed or paid in full. 

XXXX XXXX was Telephone company was Paid in full on XX/XX/2022. {$100.00} I was information removed from credit file. Account Number XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Portfolio Recovery bought a debt from XXXX XXXX for a credit card I could n't pay after Iost my job in XXXX. They bought the debt in XXXX and they contacted me in XXXX and I agreed to pay the full balance of {$480.00}. I told them that I would pay this balance because I did n't want it to be put on my credit report as a collection.A couple months afterwards, I checked my credit report and they put it on my credit report anyway. I have contacted them several times to remove this collection but they will not. I can not understand why they would put it on my credit report in the first place. They were paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate the account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXXXXXX XXXX Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2022-09-02
Company: EQUIFAX, INC.
State: MO
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 discovered that some of the accounts on my credit report are incorrect when I reviewed it. Under the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: MT
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 was informed that my Name, SSN, Drivers Licence Number, address and date of birth may have been leaked to outside parties. This is unacceptable. I am also upset that I was not notified directly by equifax that my information was leaked. They have my information, they know it was leaked, but I had to find out about the whole incident via social media. On top of all this, they are using the incident to sell a " Free '' product that includes an arbitration clause that would that away the right to legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-27
Company: Receivables Performance Management, LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Collections were placed on my credit report on XX/XX/XXXX from Receivables Performance for {$780.00}. I did not receive any notifications from this collecting agency and it is a new one reporting on this account from XXXX. The collection was previously removed from credit report from XXXX onXX/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 2021-04-16
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Hello PayPal closed my two accounts for my personal and business due to their mistakes. I have not been able to get resolution to this issue. We first submitted our beneficial owners account for review as requested back in XXXX and due to a website glitch on their end, they did not recognize that we had submitted it even though we have messages confirming we submitted it. We then, were limited because they said we had not submitted beneficial owners information. We then used my AP paypal account to handle while PayPal tried to rectify the issue. They then closed that account for circumventing their restrictions. Even though we were told it was ok and was an issue on their end. Additionally, in XXXX they limited out account for review and we submitted all requested information and they had a multitude of issues verifying tracking. We then finally got a to a manager and realized that we were using freight companies that they could not verify our account. We got that resolved but they unilaterally held over XXXX for 4 weeks due to their mistake. We then had our account limited on Wednesday after finally getting the funds released last week and paying and ordering a lot of items. We think that any issues we have had were directly caused by Paypal and the damages are incredible. No one has been able to help and now they closed our accounts and are holding funds. This is incredibly unfair to us and their clients. Please kindly help. my emails associated with this are XXXX and XXXX Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: ERC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
ERC calls repeatedly and harasses you and will threaten you. I have sent in paperwork to show proof of fraud but they still harass me and do n't care that the debt is not mine. I have asked for proof and validation on several occasions and still not received anything except for more harassing phone calls and demands for payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I signed up for a Purchase Payment Plan with Chase XXXX. I agreed to a XXXX payment plan with a fixed monthly interest fee. However, after making several payments, along with payments for other purchases on my monthly statement, I began receiving interest fees, and the balance on my remaining non-payment plan purchases was not going down. 
After speaking with an Escalation rep at Chase, I was informed that additional funds from my payments were being applied to my fixed Payment Plan WITHOUT MY KNOWLEDGE OR CONSENT. This was preventing my outstanding balance for current purchases from being reduced, therefore incurring interest charges. 
Upon further review with the Escalation rep at Chase, I'm told that ANY credit that appears on my statement goes directly towards the Interest Savings Balance, including my fixed Purchase Plan. Therefore, after only making 3 payments in a XXXX plan, I now only have a remaining balance of less than 2 payments instead of 9, despite paying a fixed interest amount for 1 year. 
In other words, DO NOT ENROLL IN CHASE 'S PURCHASE PLAN. You will be charged a fixed interest rate for your payment plan, in addition to any additional interest accrued for other purchases that aren't being paid in your statement payment because Chase will apply any credit amount you receive to this payment plan BEFORE applying it to your credit balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-27
Company: SYNCHRONY FINANCIAL
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
Used my Card In XXXX, In XXXX at a XXXX XXXX XXXX  XXXX my card was accidentally left there and over the next few days my card was used without my permission and was not done by me or any of my signers, I got a email XX/XX/XXXX that a large bill was payed out from my account so I logged in and saw massive fraudulent charges on my account, So I called my walmart credit card to report it, I get back home for the XXXX and file all paperwork, They get back to me saying they are denying my claim because, POSSIBLY a signer on my account has died, That I used the card the day before the fraud happened, and that my walmart card was used at walmart ... and it was my same spending habits ... I have never used over 20 % of my credit or done like 20 transactions in just a few days! I am 100 % protected from fraud and they are not honoring that!

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 2022-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$100000.00} XXXX XXXX XXXX Balance : {$34000.00}

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 non-monetary relief
Consumer complaint received 2019-11-29
Company: Nations Info Corp
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/19 2 separate transactions were withdrawn from my account, {$1.00} and {$19.00}, I contacted my bank to inform them these were unauthorized transactions, I also had my debit card cancelled and reissued. I then contacted the company responsible for the transactions, they informed me that they had no record of my account. 

Then again on XX/XX/19 I had another charge of {$19.00} deducted from my account. I am contacting my bank to report this as another unauthorized transaction.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This account was charged off during a national disaster and should not have been charged off being this account purchase was involved in an auto accident and GAP protection was held up due to covid 19 and this result on my credit report is damaging on my credit. 
Also to include.. I am Writing today because during my quarterly review of my accounts listed on my credit report, I noticed that this account was charged off with XXXX. 
I am requesting that your company please forward me a copy of the 1099-C that was issued by your company when you charged this debt off with the IRS which is required by law for all debts over {$XXXX}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
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 am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with inaccurate information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX  XXXX Balance : {$2600.00} XXXX XXXX XXXX  XXXX Balance XXXX {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX  ) XXXX Balance : {$190.00} XXXX  XXXX  XXXX Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2022-03-07
Company: Experian Information Solutions Inc.
State: IL
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: Was not notified of investigation status or results

Complaint:
Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on XX/XX/2022 by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 

Here again is the incorrect information being reported : 1. 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES Fo XXXX XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is an irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XX/XX/2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request 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 explanation
Consumer complaint received 2022-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Was not notified of investigation status or results

Complaint:
To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on XX/XX/2022 by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 

Here again is the incorrect information being reported : 1. 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES Fo XXXX XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is an irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XX/XX/2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request 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