BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Portfolio Recovery Associates XXXX has been leaving intimidating messages and has continued to mail treatening letters in an attempt to pursue a debt that is over, get this XXXX years old! 

The debt was jointly incurred in a marriage that no longer exists. The marriage was dissolved in the XXXX XXXX XXXX, State of New Jersey on XXXX XXXX, 2001. 

The statue of limitations on civil matters is two years. The statue of limotationa on bankruptcy is seven. Had I declared bankruptcy this debt would have formally been discharged. 

Yet Portfolio Recovery Associates is making a living out of these Zombie debts. What manner of human being would consider pursuimg a matter for this length of time. It is my contention that it constitutes harassment and since it was a debt incurred in a partnership that no longer exists, they have no legal standing. We will forget about the ethical standing of pursuimg a XXXX year old debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I previously sent three dispute letters to Trans Union beginning in XXXX of XXXX in regards of this XXXX  XXXX XXXX account with account number XXXX in the dispute letters I sent XXXX  I told them that this item needs to be deleted because it's inaccurate because Transunion and XXXX  have this account opened on XX/XX/XXXX but experience has this account opened on XX/XX/XXXX so I told them this was an accurate and it needs to be deleted.

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 2022-03-28
Company: Paypal Holdings, Inc
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
My name is XXXX XXXX XXXX, I am a XXXX XXXX XXXX XXXX No. XXXX. I issued an invoice for legal services to XXXX XXXX, a client, for {$13000.00}. I do not regularly use Paypal since I work primarily as in-house counsel. The client paid the {$13000.00} on XX/XX/2022. Paypal then refused to release the money. First it requested documentation of various sorts, which I provided XX/XX/2022, the same day. I provided my driver 's license, attorney identification card, a copy of the docket sheet that showed some of the court work I did on the case. Paypal wanted proof that I purchase supplies ( I provided the docket sheet- I'm a lawyer I don't purchase supplies to sell ). Paypal charged {$470.00} for the transfer then said it needed time to investigate and did not release the funds. I then refunded the client in total on XX/XX/2022. Paypal withheld the {$470.00} and stated that the rest of the client 's funds had been returned. I checked with the client that day. He said he had not received the funds. I checked again today, XX/XX/2022 - 5 days after I ordered a complete refund. The client said that his Paypal account stated that the funds had been returned but he had zero dollars credit in his Paypal account and zero credit to his bank account ( from which he had withdrawn the {$13000.00}. ) My Paypal account shows that Paypal refunded {$13000.00}. You can confirm with my client at XXXX. I can also provide the invoice and ledger. 

Paypal stole {$13000.00} from me and my client. That's a lot of money. I tried to file a complaint online against Paypal with Paypal, but the company website only allows me to file a complaint or open a dispute against a customer or another vendor. Paypal will not be accountable for its actions. 

I went online and discovered that other people are having horrendous problems with Paypal acting fraudulently. Paypal must return the entire {$13000.00} to my client, XXXX XXXX. Under no circumstances should Paypal be permitted to keep a {$470.00} fee for doing nothing except refusing to give me my money. Paypal is basically an organized fraud outfit and needs to be shut down. We need your help. 

Please intervene.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-13
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: Information belongs to someone else

Complaint:
I'VE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES. IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND INQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: EQUIFAX, INC.
State: CA
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:
Despite my better effort all three credit bureaus have done what theyve always done which is barely look at an account that has zero to do with me and after filing two consecutive FTC and CPFB complaint XXXX  continues to claim that I have an account with XXXX  that I never have had. There investigation proved and asked nothing. This is a suprise to no one since they are the largest financial contributor to these companies must maintain a " reasonable procedure '' to respond to identity theft notices by a CRA, and refrain from reporting information about an account that you previously reported was the result of identity theft. ( 15 U.S.C. 1681s-2

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have a public records listed in my credit reports that are inaccurate and incomplete such as a bankruptcy that Equifax is reporting. The Federal laws requires that the credit agencies provides mechanisms to ensure that each item on my credit report belongs to me and is accurate and complete. I have requested from Equifax numerous times for validation that is competent evidence bearing my signature, name, address and telephone of each person they have contacted to validate this bankruptcy and they have failed me only yo return stating it has been verified without any proof. I have a letter from Federal Bankruptcy Courts and XXXX stating that they Do Not report to the credit reporting agencies but yet they come back saying they have verified it with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I pulled my credit report and saw that I had a collection account. I have never received a bill from the hospital and have never once been contacted by the hospital or by the collection agency that has since taken over the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I was reported for greater than 7 years ( XX/XX/2007 ) for a NY State paid tax lien and transition and equifax continue to report it and the law states that paid tax liens should not be reported for greater than 7 years and it has been over 8 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
The collector did not identify himself by name, only that he worked for Portfolio Recovery Services and that he was with the " Litigation '' Department. He stated the call was recorded and that an attorney had reviewed the account. I then asked to speak to the attorney who reviewed the account and he immediately contradicted himself and said, " I said an attorney had NOT reviewed the account. '' We argued about what he said and suggested he review the FDCPA and he informed me he had performed that job for 25 years. I do n't appreciate being lied to, especially since this was under the guise trying to intimidate me the use of the statements " Litigation Department '' and having an attorney review the account. He knew what he was saying, and had I not questioned him about his tactics and statements he would have continued on. He was quite rude after that point and I stated since he was in the litigation department I wanted to have one of their attorneys review the account to which he replied, " So you 're saying you 're not going to make payment arrangements? '' I said, '' Do not put words in my mouth. '' I want your attorney to review the account, and he repeated his statement about making a payment again. I then ended the phone call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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  Accounts XXXX XXXX XXXX Account # XXXX and XXXX XXXX XXXX Account # XXXX have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2015-09-02
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I called Equifax on XXXX/XXXX/15 to report that I had been a victim of identity theft and to ask them to place a fraud alert on my credit information. I also asked for a copy of my credit report so that I could check the information. I was never told that I was entitled to a free copy and I was charged {$29.00} for the report. Yesterday, I received a letter from Equifax telling me that as a victim of identity theft, I was entitled to a free credit report. I called Equifax and they refused to refund my money. I think this is a scam -- they should have informed me of my rights up front.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-13
Company: EQUIFAX, INC.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I contacted EQUIFAX about my credit score going down 82 points with NO REASON. I have NO new accounts ive been working on my credit for the past few years. My credit score with XXXX  is CORRECT XXXX pts BUT my credit score with EQUIFAX was XXXX  a week ago and i checked yesterday and it went down 82 points since last week with NO APPARANT REASON. I contacted EQUIFAX filed a complaint. They couldn't give me a reason. My score with EQUIFAX is now INCORRECT please i need help ive been working on repairing my credit SCORE and ive been doing good, I need assistance with resolving this issue with EQUIFAX please.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
All credit cards were closed in XXXX. Any charged off debts too. I battled XXXX 2x and closed all cards. My attorney at the time was mr XXXX XXXX. XXXX passed away in XXXX. He told me to always protect what he did for me. I was a XXXX patient at XXXX and remain for rest of my life at XXXX XXXX XXXX of NJ. This is not the 1st time in 10 years now 13 that XXXX XXXX purchased charged off accounts. In this case XXXX XXXX. They were paid thru my attorney many years ago and must cease and desist. Please remove my name from any further info. They also failed to give amount or account number and I too never heard from the creditor once the account was closed. Please cease they are going too far. If you call the XXXX XXXX XXXX XXXX it goes to an 800 number for a company on pacifuc time zone called MCM. I can not be harassed nor garnished from XXXX on debts closed and settled. It must stop!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-11
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: Information is missing that should be on the report

Complaint:
I have been trying to get my information updated on my credit report. I have reached out to XXXX. XXXX, & Equifax. They have not updated anything in over 90 days. I have even tried to resolve this through the furnisher with no help. I just want my information to be updated and they fix their reporting errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07
Company: FC HoldCo LLC
State: UT
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
My lender has not reported accurate information to the credit bureaus since XXXX/XXXX/2016, they are still showing i have a balance outstanding even though i have paid in full since XXXX/XXXX/2016. This caused me to be denied credit and denied a mortgage since my potential lender was showing a balance owing making my debt to income ratio wrong.

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 2015-06-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX recovery with this phone number XXXX XXXX of many of there numbers. Keeps calling and sending me mail attempting to collect depts that are over the statute of limitation and these debts where settled with the original creditor XXXX XXXX for a settlement amount and paid off. At XXXX point in XX/XX/XXXX or XX/XX/XXXX the went as fair as to try and take me to court for the outstanding debt where the attorney did not show up for court as the debt was paid and also the statue of limitation has expired on all these. They hold many account they are attempting to collect and all these debts are either paid or expired by statue of limitation in Michigan where i live. They are not on my credit report as last I check but will look at it again to make sure it is n't. This company is notorious for buying up large chunks of expired debt and them harassing, treating and even saying they have issued a warrant for arrest if the debt is n't paid. Personal I feel the XXXX fine which is all you can get if you sue them is n't enough of a deterrent to stop these barbaric and illegal collection practices. I want them to stop it 's been at least 7 to 8 years since I went to court to have this thrown out and I should n't have to screen my phone calls or get junk mail from them several times a day and even on Sundays ( phone calls ) If you need more information regarding which accounts I can look that up. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-26
Company: U.S. BANCORP
State: MI
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:
My personal information has been compromised and someone is attempting to apply for credit using my information. 

I have reported this to all three credit bureau 's but a fair resolution has not been provided.

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 2023-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-10-26
Company: Experian Information Solutions Inc.
State: TN
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:
Approx. XX/XX/2022, {$400.00} from XXXXXXXX XXXX  XXXX and {$1400.00} from XXXX was wrongly added to my credit report as a collection not verified. No original documents were sent. Please REMOVE this account from my credit report.

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 2022-12-14
Company: EQUIFAX, INC.
State: CA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX, Account name : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the Person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26
Company: Ditech Financial LLC
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My home mortgage with XXXX was transferred on XXXX. I received the new mortgage billing statement from Ditect Financial LLC after senting XXXX payment to XXXX within the grace period. Subsequently, I got Ditech statement with a {$77.00} late fee instead of usual {$19.00} fee. My wife tried to get the increase clarified, but was only told we owed {$630.00}. Please help us get the matter resolved. Can the new mortgage company charge almost {$100.00} in total fees?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12
Company: Ditech Financial LLC
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Reference prior Consumer Financial Protection Bureau complaint # XXXX, Ditech Financial LLC Account Number : XXXX. 

Complaint response from DiTech, dated XXXX XXXX 2016 ( attached ), indicated specific actions that would be immediately taken by DiTech to correct their error. To date, and based on a conversation with DiTech this morning, none of the actions have been completed. This has resulted in my not receiving a correct XXXX for mortgage interest payments, affecting my ability to file my tax return both accurately and timely. 

This has been a horrific customer service experience - the worst I 've ever encountered - customer service reps state that I can only speak with them and not be connected with someone in a higher position that just might be helpful. This is a horrible company under any name ( i.e., Green Tree ).

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation