BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I just need to have this removed Please To whom it may concern ; Portfolio Recovery has not been able by the legal standard of the FCRA provide me with the required documentation. Please be advised this a violation of FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA they are required to Ive asked Portfolio Recovery to please stop supplying unverifable info to my credit report ans to promptly have deleted all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you  fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the removal immediately. Thank you for your prompt assistance in this matter. 
Portfolio Recovery Acct XXXX The collection agency has supplied me with some documents that have been enclosed in this letter. If I am correct and I know I am this does not meet the legal requirements as per the FCRA. I have also filed a complaint with FCRB, FTC and the better business bureau regarding this matter. Regarding Portfolio Recovery and XXXX. I am a single mother of XXXX trying to get this rectified. 

Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20
Company: Penn Credit Corporation
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXX-XX/XX/XXXX, XXXX erroneously charged me an overage of $ XXXX for electrical power due to their miscalculation. This was not the first time XXXX had miscalculated an error. But in the past I 'd paid it and moved on. This time I refused, so I filed a claim in Small Claims court since I could get nowhere with their internal customer service department. This overage has been discharged, and I 'm no longer their customer. However Penn Credit ( penncredit.com ) has gotten hold of this invalid claim and refuse to let it go. I 've tried emailing and postal mailing them to alert them they are attempting to collected an invalid debt, but my notices have been ignored. Instead they continue to send me threatening letters and they must be stopped. I will not have my credit ruined over something that was XXXX 's mistake in the first place. My " debtor ID '' with them is XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I recently attempted to add a checking account to pay my bill on my credit card ( 2 separate cards ). *Platinum MasterCard ( XXXX ) *Quicksilver MasterCard ( XXXX ) Capital One stated the account was not valid so I asked to speak to a supervisor. The leader advised that my account was not active and I need to contact my bank about the matter. I stated I just used my account and its over 20 years old. The supervisor was helpful so we conferenced the call with my credit union, XXXX XXXX XXXX XXXX ( XXXX, Michigan ). They confirmed the information and even sent a letter to Capital One. I also sent the same letter twice and they have yet to add or respond to me. My payment is due tomorrow ( X/XX/17 ). This is unbelievable, I just want to pay these cards and close if they did n't hurt my credit. I 've never had to beg a company especially a bank to take my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
Credit hurt by multiple credit inquires within two months. Only one authorized but XXXX XXXX via XXXX XXXX has 2 inquires weighing on my credit. I only authorized one. Banks are also forcing me to pay back money sooner by tarnishing credit with unauthorized hard inquires and other devious practices. XXXX XXXX and XXXX XXXX will loss my business because of this over-time. XXXX will not allow me to dispute my hard-inquires??? I have not requested any new credit and hard inquires are showing up. Not fair to consumers. Please tell me they are not going to let big business and Banks walk all over American People?

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 2022-01-29
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This complaint is regarding the XXXX XXXX XXXX Account number XXXX opened XX/XX/XXXX is factually incorrect. 

The vehicle regarding this auto loan was repossessed XXXX of XXXX and resold at an auction leaving a deficiency balance. The account that you are reporting is identified as a repossession. Yet you continue to report late payments. Since the vehicle is no longer in my possession, it would be impossible for me to default on the payments after the fact. I have the right to an accurate credit file. And discrepancies like this are unacceptable. So please immediately remove this account and its entirety from my credit file. 
A monthly should not exist after a repossession has occur.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20
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: Credit inquiries on your report that you don't recognize

Complaint:
Credit hurt by multiple credit inquires within two months. Only one authorized but XXXX XXXX via XXXX XXXX has 2 inquires weighing on my credit. I only authorized one. Banks are also forcing me to pay back money sooner by tarnishing credit with unauthorized hard inquires and other devious practices. XXXX XXXX and XXXX XXXX will loss my business because of this over-time. XXXX will not allow me to dispute my hard-inquires??? I have not requested any new credit and hard inquires are showing up. Not fair to consumers. Please tell me they are not going to let big business and Banks walk all over American People?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-20
Company: EQUIFAX, INC.
State: SC
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: Other problem getting your report or credit score

Complaint:
I am member of the Equifax credit monitoring service and have been for a while now. I have been able to update my score whenever possible. When I tried to update my score on XXXX XXXX, I was unable to. It gave me an error message. I have been trying everyday after that to update my score and get a new credit score. To this day I have still been unsuccessful. I contacted Equifax about this situation on XXXX XXXX and they can not tell me the reason why this is happening. Only XXXX XXXX, I applied for a mortgage loan and my lender was unable to get an equifax score to pre-approve me for a mortgage loan. Again, I called equifax and they were still unable to tell me why this is going on. They offered me a reduce rate on my credit monitoring service but that still does not fix my issue of not seeing a score. This has place a burden on me because the companies I have been applying for credit all use equifax and because they are unable to get a score, I am denied credit. Also, another issue I have having is Equifax reporting incorrect information. My credit card company removed all of my lates off my account and equifax is the only bureau that has not updated that information and its going on 2 months since this has happened. They are also reporting that I am over the limit on a credit card that I only owe {$4.00} on which has raised my utilization to 98 % and dropped my score tremendously. I have also spoke with them about this issue and have not received any satisfaction. The last issue I having with them is they refuse to remove my hard inquiries after I explained to them I have spoken with each company and they agreed to remove the inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: Bread Financial Holdings, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Commenity Bank opened up three credit cards dating back to XXXX, XXXX. I never applied for this card, not did I ever receive it. Another account was open in XX/XX/XXXX. I did apply for that card. The third card was open in XX/XX/XXXX and I did not request that card. I already had a XXXX XXXX card, but was having trouble using it. So they went ahead and opened up a new account I didn't authorize. Currently, I have two active cards, but the one from XXXX was done without my knowledge. Commenting Bank also opened up another card, without my knowledge for the store XXXX. They are using internal data to open up cards without my knowledge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-15
Company: Experian Information Solutions Inc.
State: PA
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 XXXX  # XXXX, has violated my rights under. 

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

15 u.s. code 1692b harassment or abuse

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 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 XXXX # XXXX, has violated my rights under. 

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

15 u.s. code 1692b harassment or abuse

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 2017-05-27
Company: GLA Collection Company, Inc.
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
These debts are not mines. They are being falsely reported to the credit bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Experian is reporting the following items inaccurately ( see enclosed ). This violates the FCRA.

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 2017-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Credit hurt by multiple credit inquires within two months. Only one authorized but XXXX XXXX via XXXX XXXX has XXXX inquires weighing on my credit. I only authorized one. Banks are also forcing me to pay back money sooner by tarnishing credit with unauthorized hard inquires and other devious practices. XXXX XXXX and XXXX XXXX will loss my business because of this over-time. Trans-Union will not allow me to dispute my hard-inquires??? I have not requested any new credit and hard inquires are showing up. Not fair to consumers. Please tell me they are not going to let big business and Banks walk all over American People?

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 2017-07-20
Company: MOHELA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I withdrew from XXXX University on XX/XX/XXXX., When I  withdrew It was due to the fact that I had been placed on academic probation and told that my Financial Aid would not pay for my next two-semester Tuition payments, They said I must pay cash. I am barely able to put food on the table so there was no question, I had to withdraw. When all of this took place I owed my loan servicer XXXX on one loan and XXXX on another. I never attended another class after this, yet, my loans were increased to XXXX and XXXX and I had no idea until I looked at my credit report today.XX/XX/XXXX ... these loans were increased in XX/XX/XXXX I was never notified at all, and i never recieved any additional funds! XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Coinbase. I have about 600 dollars in their secure vault. I requested these funds be removed ( XX/XX/XXXX ), and followed the procedure ( which involves clicking links sent to 2 email addresses as verification ). The website came up with a 'fault, bug in the system ' response - contact support. I have done so ( XX/XX/XXXX ). No response. I have sent several emails, no response. I have posted on their community support forum, no response. I notice many many others are having the same problem and customer support is not responding. I cancelled the withdrawal, as the FAQ 's suggest in the event of this happening. But on my XXXX it say 'awaiting signature ', on my desktop is says 'waiting approval '. The problem is - my currency is declining in value every day it is stuck in limbo, and I ca n't access it. Every time I look at my vault, it says 'waiting approval '.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: The Outsource Group, Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
To whom it concerns, I have requested an investigation by the three major credit bureaus for the following debt collector : MediCredit INC. This company opened an account using my personal information with no authorization from me. This company has reported that the account of the alleged debt is open and active but listed under derogatory marks. How can an account show open under a collection status? I requested from all three bureaus ( XXXX, XXXX, and XXXX ) an investigation for these companies. XXXX sent a response letter providing me with the contact information the debt collection company listed above. This company has reported incorrect illegal accounts to The Credit Bureau without consent from me. This tactic is listed in the U.S. Law as identity theft and a HIPPA violation if any of my medical information is stored in their establishment. This company used my social security number, name, address, etc. They also created an account identification number without my permission within their establishment to identify me and I'm not sure who they are. According to 15 USC 1692 d : A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. I have multiple denials from major companies to operate in business due to this oppression.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: Professional Debt Mediation, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
on XX/XX/XXXX I submitted a 30 day notice to vacate XXXX XXXX Apartments. I was on a month to month lease because the other tenant had left the unit leaving me to pay the rent alone. I advised the landlord XXXX XXXX that i would continue to pay the rent as agreed until I find a cheaper place to live In which she agreed and placed me on a month to month lease originally i was paying XXXX and a month to month went up to XXXX. I paid this amount from XX/XX/XXXX until my last payment on XX/XX/XXXX and submitted my notice to vacate XXXX XXXX proceeds to send me an eviction notice email on XX/XX/XXXX when i was no longer in the unit because my vacate notice i advised that i was moving out the first week of XXXX XXXX My deposit was kept and i return the keys to the unit the eviction notice was not valid because i took all the proper steps as stated on my month to month lease and i gave notice of vacate

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20
Company: EQUIFAX, INC.
State: SC
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:
XXXX is reporting XXXX inquiries on my Equifax credit report all the while these inquiries are not tied to any account showing up on any of my credit reports. I have contacted XXXX via certified mail to no avail. Please have XXXX remove these credit inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: ERC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On early XX/XX/XXXX, I received a debt collection notice in the mail from a company called " ERC ''. I immediately called them ti figure out what this was for and the representative said that this is a debt from an account with XXXX XXXX XXXX over 5 years ago. I told her that when the account was terminated, the equipment and final balance were paid at XXXX XXXX XXXX 's office in XXXX, Ohio. She argued and said unless I had proof of what I had explained to her, that they would continue to try to collect the debt. 

I asked her how it was possible that if i look at my credit report every year, how this hasn't ever come up until now. She didn't have an answer but said that they were supposedly the 4th collection agency that has had the account. Again, I asked her to explain why I haven't heard about this until now and she had no answer. Her only response was that I could take the settlement offer they were presenting to me or that they would continue to collect the debt. 

After I got off the phone with her, I did a quick XXXX search and have found HUNDREDS of other complaints from people just like me. People who have never had service with XXXX XXXX, people who used to have XXXX XXXX 5 or more years ago in the past, etc. 

I do not owe this debt and need this taken care of. This company is unethical and should be shut down. 

I also receive 2 or 3 phone calls per day from this company even though i told them to put it in a dispute status because if it is not a genuine debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: EQUIFAX, 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 information incorrect

Complaint:
Greetings, Ive been trying to reach the different Bureaus by letter letting them know wich information its incorrect on my Credit report since a few months ago, I havent receive an answer, and at this point I just feel they are not going to cooperate with me, As I understand the Law says they are suppose to answer me and I feel they are preventing me from my right to know of what is going on with my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20
Company: Synerprise Consulting Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This collection agency is reporting on my credit report. However, I dispute the validity of this debt. I do n't have a contract with a collection agency and did not owe them anything. Due to HIPPA regulations, I did not provide any of my doctors to share any of my information with a collection agency. This is showing on my credit report 3 times.

Company response to consumer: Closed with explanation