BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
In XX/XX/2020 I attempted to access my credit reports online using XXXX. I was unsuccessful in doing so, and was told that I should mail a paper request form to the XXXX XXXX XXXX  XXXX XXXX. I completed the request form, included a cover letter describing my request, and enclosed a photocopy of my Oregon Driver License, as well as a copy of a recent bank statement including my address. The XXXXXXXX XXXX XXXX XXXXXXXX XXXX received my request on XXXX by USPS ( signature confirmation requested ). 

TransUnion replied with a letter dated XXXX titled " Re : Unable to Locate Credit Report '', asking for more identifying information, including proof of my social security number, 2x proof of address, and proof of date of birth, as well as a form. On XXXX, I mailed my response which included a cover letter explaining my request, all the information they requested including copies of my Driver License, Social Security Card, and a recent bank statement with my current address, and a filled out copy of their form. This response was received by TransUnion on XXXX. 

TransUnion then responded to my letter containing further information in a letter dated XXXX titled " Re : Proof of Social Security Number ''. It largely reiterated the requests in the XXXX letter, asking for proof of my social security number along with proof of address and date of birth. I had already provided the information they were asking for in their previous letter, so it was clear that this process was circular. 

I believe that their failure to provide this information is a violation of their obligations under federal law, and am seeking immediate redress from you as a federal regulator.

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 2017-05-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
Background check is stating that I worked in  XXXX   XXXX  California in   XXXX   XXXX   XXXX   Under the name  XXXX   XXXX   XXXX . I 've never worked in  XXXX   XXXX  California and I have not use  XXXX  sense I was married in  XXXX . I had only been license 4 months in   XXXX   XXXX  . So I need it removed from my background information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
The FCRA Guidelines specifically states that it prohibits incomplete or inaccurate information from being reported on a consumers credit report. Doing so constitutes grounds for removal. The Law needs to be followed and enforced. I have wrote this company and faxed information on several occasions regarding these particular accounts listed in this letter. 
1. XXXX XXXX XXXX : This account is not a charge off/ nor is it a collection. It was paid on time every time. I am not clear how this account is being investigated when it does n't even have an account number in turn deeming it as " incomplete '', which constitutes grounds for removal. 
2. XXXX XXXX XXXX XXXX This account is not a charge off/ nor is it a collection. It was paid on time every time. I am not clear how this account is being investigated when it does n't even have an account number in turn deeming it as " incomplete '', which constitutes grounds for removal. 
3. XXXX XXXX XXXX : This account is/ was in my ex-husbands names, but it is in my credit file therefore deeming it " '' inaccurate '' '' which constitutes grounds for removal. 
4.XXXX XXXX XXXX : A collection account can not be open or go into collections " inaccurate '', " incomplete ''. I have contacted the original creditor and they can not find any account of the sorts in their system. 
FCRA states that if you have previously initiated a dispute or an investigation and do not receive a complete or satisfactory resolution that you may dispute again and the company must respond in XXXX days after receipt of the XXXX notice. This is their XXXX notice.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17
Company: Square Inc
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
My account was hacked on XX/XX/2021 and today XX/XX/2021 the same day that I got my refund for the first hacking incident. I have reached out to the company and asked why wasn't the refund and the account secured when they know the account as been hacked more than once within a few hours. I advised that it had to be someone within the company in order for it to happen the way that it did. They don't provide a phone number so that you can talk to someone you have to wait until they decide to email you back. I advised the company that is ministry money that was taken today and no one has responded to me. They emailed me and said I had to link my bank card in order for them to refund my money. Which makes no sense when the money was refunded without my card being linked. I have a cash app card so they wouldn't need my bank card to refund my money. One of Cashapp 's CSR emailed me and said " take it easy '' our team support will contact you case closed. I don't have a way to forward those emails to you. My account was hacked for {$170.00}. When I tried to send the first amount to my son in fear of being hacked Cashapp would not allow me to send it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MN
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
Continued phone calls on personal cell phone and a company issued cell phone. When calling the number I was told it was Portfolio Recovery regarding a " couple '' debts owed. I asked what debts they were I was told a XXXX XXXX account and XXXX account listed under a bankruptcy. I informed them I asked in writing for proof of debt and proof that they owned the debt, approx. 3 years ago, I was told I had to ask for it in writing. I informed them again I did not owe a debt to XXXX XXXX and if I did have a account listed under bankruptcy it was illegal for them to collect. I was then told they did not know what I was talking about, they are not trying to collect on any debt under a bankruptcy, this was all said during the same phone call. Portfolio Recovery was trying to collect on a debt under a bankruptcy until I told them it was illegal. I filled a bankruptcy in 2002, how can this company even have information regarding accounts listed on that bankruptcy. I have been dealing with harassment from this company on and off for over 5 years. How can they be allowed to do this. I ask for validation of this debt in writing over and over. They never send it, then continue to tell me I have to ask for it writing. I do everything I am suppose to do, they do everything they can not legally do, yet I have to put up with the harassment. When will something be done about this company ... ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
Portfolio Recovery Associates is a sinister company they have double damaged my credit with XXXX different companys harrasssinmg me non stop EVERY XXXX DAY FOR 10 YEARS! my XXXX can you do something about this im going crazy im desperate for you guys to delete them out of my life forever please i beg you. this guy in 2009 threaten my life on the fone he wont let me hang up and i was driving on the freeway and thats illegal here. please im scared of them. they have XXXX type of coworkers im scared for my life. thank you XXXX please save me thanmk you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-16
Company: NAVY FEDERAL CREDIT UNION
State: HI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
XXXX : Navy Federal Credit Union . I am expecting a large deposit in a specific account and I can see on my app and online the accounts were already opened. Im supposed to give permission to set them up. I am worried this hacker scam artist whatever he is set it up to get the money before I can.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I sent a notice for verification they did not give me the original date of the charge off on this account, nor could they give me a copy of my original signature card and if they were license in the state of CA. I did not get verification with the 30 days and they are refusing to delete this false information off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Applied and received XXXX XXXX Credit card held by XXXX XXXX in the amount of {$150.00}. Paid and cancelled card. Collection Agency Portfolio Recovery reported a collection account to credit bureaus in the amount of {$450.00} they have been calling my phone for months, I mean everyday. Spoke with rep twice told them this debt had been paid in full and no more discussion. The date placed to the bureau has been excellerated. ( not true ) .This company calls my phone from multiple cities and uses multiple numbers. They will not send me nothing in writing verifying the validity of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
PORTFOLIO RECOVERY is reporting XXXX debt collection accounts on my credit report. I have disputed the account. PORTFOLIO RECOVERY has signed verification of certified mail dispute on XXXX/XXXX/2016. 

Upon further investigation, I have retained new copies of my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which you signed for on XXXX/XXXX/2016. 

I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04
Company: I.C. System, Inc.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
A former employer has stated I owe him money. However, according to my records I have paid this debt in full and in fact am owed money by this employer due to an overpayment. I requested a verification of debt and proof this money was still owed after my payments and my former employer provided only a copy of an invoice that he typed- no backup, no proof. I however provided a XXXX Page document showing that I do not owe this money and that is has been paid in full and that he owes me money. This is a civil matter between my former employer and myself. Only a court of law can determine if I owe him money or he owes me, not some third party collection company. Furthermore, a copy of a invoice with no backup is not a valid proof of debt - anyone can type an invoice. This collection co is also reporting to my credit as rental/leasing debt which will hamper my ability to rent a property. I do not owe a debt stemming from any sort of unpaid rents. My prior company is a XXXX. I do not owe any sort of rent to them which is what they are categorizing it as. I have called this company and mailed them a letter stating I dispute this debt. Their response is that the invoice copy is a valid proof of debt!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I 'm writing to dispute, for the third time, Portfolio Recovery Debt Collectors. Had charged off credit card through XXXX owned first by XXXX then transferred to XXXX Bank and this still sits on all XXXX credit reporting agencies. Debt subsequently sold to debt collector, Portfolio Recovery Associates appears on all XXXX credit reporting agencies, as well. 

So debt was paid through settlement and was told shortly thereafter all items would be taken off of my credit reports - all XXXX agencies. 

THIS WAS TWO YEARS AGO AND STILL XXXX ITEMS ON ALL XXXX CREDIT AGENCY REPORTS. 

Received a letter XXXX XXXX, 2016 from debt collector wanting additional materials concerning the previous dispute attempt, of which Portfolio Recovery was forwarded all this information previously. 

Not only is this frustrating that after two years this debt collector has failed to do what originally was promised, but sending a letter stating they have n't received any materials, appears to be delaying their process, which I do n't understand. 

I 'm attaching all XXXX credit report sections listing XXXX AND Portfolio Recovery Systems and a copy of their letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
I found errors on my credit report. I submitted a dispute on XX/XX/2020 it has been over 60 days. I have not received anything from the bureaus regarding my dispute. They are required by law to address a dispute from a consumer in a timely manner

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
They start calling at XXXX and they do n't stop until XXXX est. they are calling me on XXXX 's now too. This is the number they just called me from on XXXX XXXX ( XXXX ) XXXXXXXXVA, USA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-13
Company: Paypal Holdings, Inc
State: VA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
Last XXXX, Paypal placed a limitation on my account and blocked me from access for my balance. I was told that Paypal may hold my balance for up to 180 days. 180 days have come and passed, Paypal still blocked my access to my balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
They keep harassing my sister and other relatives about my debt and claiming it to be more than they purchased my debt for. constant harassment even after i asked them to stop contacting me i changed my cell phone number plenty of times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-26
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This is a debt associated with my sister in law. I have phoned them twice to tell them that this is not my debt nor does my sister in law reside at this number. They have been calling every single weekday for over 8 months.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
There was a Deposit applied to our account in the amount of {$1000.00} for a reversed check made by our bank Huntington. My wife called and spoke with a customer representative who confirmed that the money was ours and it was OK to use. A week later they withdrew the money without us knowing causing our account to be negative. We again called Huntington and they could not provide us with any resolution and only escalated the call. We called in originally to prevent this from happening. How can we be held accountable for their mistake after receiving verbal confirmation as well as the call being documented in there call software as approved funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-27
Company: Southwest Credit Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
although I have a pending dispute filed via the CFPB, I am still receiving repeated phone calls asking for this debt to be paid. I filed a ID Theft Affidavit ( # XXXX ) in XXXX 2014 ; I wrote repeatedly to the XXXX credit bureaus and the collection company in XXXX, this account is still reporting in my credit file. This account was opened after my information was stolen due to a XXXX breach of security.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-11-08
Company: SELECT PORTFOLIO SERVICING, INC.
State: NV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I fell behind on my mortgage after having to send all of my money to my family in XXXX in order to save their life after the war reached their city in XXXX. My servicer SPS ( Select Portfolio Services ) is only considering my loan for assistance based on affordability and not an actual hardship which caused a gap in income. I hired an attorney to assist me in submitting my request for assistance to SPS. My loan apparently was also recently sold from XXXX to XXXX of Nevada. According to my attorney, XXXX was part of an Attorney General Settlement and this loan is required to be modified as part of that settlement. The fact that it was recently sold should not be an excuse to block me from assistance. My hardship is real and SPS and the new owner of my loan do not care about anyone or actual hardships. They are evading reviewing me for an assistance program that actually looks at gaps in employment. My attorney states SPS does this to everyone. They only review for affordability hardships and ignore actual gaps in income or real hardship cases. My home is only worth about 60 % of what I owe. I truly want to pay the entire amount of my balance, however it appears the new owner of my loan only wants to steal my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17
Company: V and H Portfolio
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Two different charges appeared on my credit reporting in the amount of {$510.00} and {$520.00}. 

I contacted the company to dispute numerous of times and to have this information removed from credit reporting agencies. 

I have also asked to be provided with what photo ID and social security card was used at the time of obtaining such accounts. 

I have never lived at XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-04
Company: Southwest Credit Systems, L.P.
State: MA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is the same debt that was from another Collection Agency, Southwest Credit, that was originally hired by XXXX for a payment of XXXX USD. This debt was carried over, even though the payment has already been paid last year. 

XXXX XXXX XXXX is the new collection agency that is trying to get me to pay money that I do not owe, that was passed from one collection agency to another

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-18
Company: Navient Solutions, LLC.
State: NH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I have XXXX private student loans with XXXX separate companies. Both cost $ XXXX, each. I have tried desperately to decrease the monthly payment but neither XXXX or navient are willing to work with me. They both report my parents, who co-signed back in the late XXXX have the financial means to pay if I do n't, this is absolutely false. My father is in poor health, both are retired and in their XXXX. I am current with XXXX XXXX at the moment but Navient was supposed to be withdrawing my monthly payments from my checking account. I did n't have enough money in the account one month and they placed me in default. I was told that I can either pay a lump sum by out, borrow the money from my parents who Navient says have the means, Im certain they do not. Or pay $ XXXX, 3 times more than the payment I was unable to manage.

Company response to consumer: Closed with explanation