BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-06
Company: Precise Financial Group, LLC
State: OR
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
This lady " XXXX '' from precise financial group called my employer while I was working asking for me & being extremely rude and disrespectful to the person answering the phone. I work in XXXX so they have to ask questions of who is calling due to confidentiality of patients. She then got a hold of me & was being threatening, rude, talking over me, after I said several times do not talk this way you are being unprofessional and not talking like a grown lady. I then said this is my XXXX time asking you to NOT CALL MY JOB, we went back & forth I told her to give me payment options and she was rude an said the amount she needed to collect, she also asked when can I make a payment I said XX/XX/XXXX & she said NO I CAN NOT WAIT THAT LONG YOU HAVE HAD LONG ENOUGH TO MAKE A PAYMENT I NEED A PAYMENT NOW I then said you don ; t know my finances and what I pay I ca n't make a payment today!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
i was a victim of fraud and identity theft. someone had taken my identity and opened up a Barclays credit card under my name and recorded a debt in the amount of {$6400.00}. this account has been closed however i have reached out to Barclays and given them a series of documents including a police report against a specific person proving that it was not me who opened this credit card. Barclays is unwilling to work with me on this and is not giving a thorough investigation.the person who i have a police report has done fraud to other people as well.

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 2022-03-24
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:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair debt collection practices Act 15 U.S.C 1692 converge to account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: EQUIFAX, INC.
State: OH
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:
To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXX # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX XXXX XXXX  failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation, XXXX XXXX XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. 
FDCPA I fail to see where XXXX XXXX XXXX is in compliance with OHIO LAW. I also have reported this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. XXXX XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act the following accounts have violated my rights. 

XXXX  XXXX  XXXX delete this account for inaccuracy because the date of last activity is different on reports. XXXX has XXXX XXXX has XXXX. This is re-aging my account and is illegal. 

XXXX XXXX XXXX delete this account for inaccuracy because payment history show on XX/XX/XXXX : XXXX On XXXX XXXX Charge Off XXXX On Time Set Financial XXXX delete this account because it is a Charge off but reporting a monthly payment. This is inaccurate. 

CB Indigo XXXX delete this account for inaccuracy because the payment history show XX/XX/XXXX : XXXX XXXX XXXX Charged Off XXXX On-Time XXXX  XXXX  XXXX delete account for inaccuracy because date of last activity is different on reports : XXXX XXXX XXXX XXXX. This is Re-aging my account and can not be on the report. 

Nation Credit Adjust XXXX Delete for payment inaccuracy because payment history show : XX/XX/XXXX XXXX XXXX XXXX Charged Off XXXX On Time. 

XXXX  XXXX  XXXX Delete for payment history inaccuracy due to payment history show : XX/XX/XXXX XXXX  On XXXX XXXX  Charge Off XXXX On XXXX XXXX XXXX XXXX Delete for payment history inaccuracy due to payment history show : XX/XX/XXXX XXXX On XXXX XXXX Charge Off XXXX On XXXX XXXX XXXX XXXX delete this account for inaccuracy because the date of last activity is different on reports. XXXX has XXXX XXXX has XXXX This is re-aging my account and is illegal. 

XXXX  XXXX XXXX delete this account for inaccuracy because the date of last activity is different on reports. XXXX has XXXX XXXX  has XXXX XXXX  has XXXX. This is re-aging my account and is illegal. 

Also 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: Resurgent Capital Services L.P.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have an account that has been bought from a credit card company and to my understanding, I am no longer responsible for that debt. I do have email correspondence that says that my account has been bought from the original creditor and I would like for it to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-22
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have contacted Equifax Regarding Unauthorized Inquiries on my credit report, and I have supplied Equifax 's Fraud Department with the police report and they still did not address the concerned. They simply stated that I contact the creditors themselves and ask them to remove, however in speaking to them they referred me back to the credit bureau. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Fraudulent InquiresXXXX XXXX XXXX, XXXX XXXX XXXX XXXX BANK XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: Experian Information Solutions Inc.
State: OH
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:
To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXX # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation, XXXX XXXX XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. 
FDCPA I fail to see where XXXX XXXX XXXX is in compliance with OHIO LAW. I also have reported this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. XXXX XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account 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 2022-03-24
Company: PLANET HOME LENDING, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have been trying to get a payoff balance to pay the balance on loan XXXX with Planet Home Lending , LLC off of XXXX, Florida since XX/XX/XXXX. Original request was dated XXXX XXXX and amended 4 times at Planet Home Lending 's request. The last amendment was on XXXX XXXX. I literally wrote : " To whom it may concern : I am requesting the payoff balance of loan # XXXX linked to the property located at XXXX XXXX XXXX XXXX XXXX XXXX , XXXX. There is a buyer interested and we need this payoff balance to finalize the transaction as soon as posible to take advantage of a tax amnesty in XXXX XXXX. 
The payoff balance can be sent to XXXX. 
Thanks. 
Signed by XXXX XXXX XXXX, whose name is erroneously written as XXXX XXXX XXXX in bank documents but not in the documents evidencing title, such as the Mortgage Deed nor in the XXXX XXXX XXXX XXXX, and whose signature is the same today as it was in the Note dated XXXX and as it appears in my driver 's license sent to you earlier. '' I am being harmed and I am suffering damages by the institution 's unreasonable refusal to give me a payoff balance to pay alleging I am not the person they are trying to collect the debt from even though I have established my identity and signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: EQUIFAX, INC.
State: IL
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  acct. # XXXX and, XXXX XXXX XXXX XXXX XXXX has violated my rights. They continue to send me paperwork for phones i've never had and they were sent to an address im not familiar with at all. Also, the contract has a computer typed signature ... This is not my account at all. 

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.

These negative, not-valid, erroneous accounts have caused me tons of stress and caused me to lose employment opportunities an some increased fees and money in my life... PLEASE HELP CFPB.

Thanks in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07
Company: Paypal Holdings, Inc
State: CA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Website transaction to purchase a laptop computer. 
Website credit card transaction failed, so operator provided Paypal link which was made debiting a XXXX credit card. 
The website is bogus and no product was shipped. 
Paypal classifies this as NOT a transaction for a product or service and will not provide dispute resolution. 
This website still exists more than XXXX weeks later and these people are still taking victims ' money and Paypal is providing them the means to do it. 
I have screenshots of the transactions and made a copy of their website at www.crazifire.com for reference. 
Paypal is complicit with this theft by not warning victims that the transaction they are about to authorize is NOT for a product or service and is NOT eligible for dispute resolution. 
Type of fraud : bogus website selling products that are not shipped : XXXX XXXX transaction facilitated and protected by Paypal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
TransUnion is currently reporting reporting a XXXX XXXX Account, That was Deleted in XXXX. TransUnion have been provided a FTC affidavit pertaining to this account. TransUnion is currently violating FCRA by putting this fraudulent account back on my TransUnion credit file.

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 2021-01-07
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have several accounts appearing on my credit report that are fraudulent. I filed a police report and reported these account to the FTC. I also reached out to Equifax directly to dispute these accounts. I provided them with my police report and identity theft report. I received an email from Equifax stating that my dispute has been completed, however nothing has changed. 

I called them last week and was told by a representative that the accounts are still under investigation, however their website says that the dispute has been completed. 

1.XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX All these accounts are fraudulent, I have attached my police report and identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: Rent Recovery Solutions
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I checked my credit report on XX/XX/2022 and saw that I had a collection in the amount of {$160.00} from Rent Recovery Solutions. I never received any written notice that this was trying to be collected, or any notice that I can dispute the charges. I have tried to reach out to Rent Recovery Solutions multiple times but have not gotten a response as I have left " XXXX '' multiple voicemails.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
A little less than a month ago, I signed up for a Best Buy Citibank Visa credit Card, and I was approved. This morning i tried to get a cash advance, so I called in. Citibank said it was perfectly fine, but i was declined twice ( which was their fault, i was given false information ). I then call back and they " activate '' cash advances which apprently were deactivated prior to this call. I was then able to get my advance. However, due to the repeated declines, citibank has deactivated my card. Here is where he problem comes in. I called in to reactivate it, and they refuse. They ask for my phone number, and i give it. They then tell me " that phone is not under your name, it can not be verified. '' That is completely false, this cell phone number is under my name and has been like that for 3 years. I live alone and only have a cell phone, so there is no other way for me to verify my account to their XXXX satisfaction. I need help because I live in florida and just went through hurricane XXXX and i am in dire need of this card, as i am low on cash because of the storm. This is completely their fault, as my card has been deactivated due to their careless employees feeding me false information. Furthermore, it is their fault that my number can not be verified as well because my phone is and always has been under my name, and I have no other phone to contact them with.

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 monetary relief
Consumer complaint received 2016-11-22
Company: Visio Financial Services Inc.
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Visio Financial was a present lender who has been payoff by XXXX XXXX see attached complaint number against XXXX XXXX Visio Financial has not assist my new lender in getting Visio Financial lien off my property. The XXXX XXXX '' still has a paid lien on by property, so this does n't allow me to sell my property without paying them twice. Visio Financial assisted I speak with XXXX loan Servicer ( see attached complaint made against XXXX ) XXXX has put late fee on my account that never happened, XXXX, owe me XXXX on the closing of Visio Financial balance due was XXXX + XXXX ( in escrow ) payoff showed XXXX approximate I the borrower ask Visio Financial to confirm and correct XXXX payoff balance, it was refused, Visio Financial said " see CLEAR SPRING ''

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21
Company: Paypal Holdings, Inc
State: WI
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I have used PayPal Credit on line for a few purchases, totaling approximately {$280.00}, i have sent checks to the address i was given by their Customer Service located in Georgia. My first payment was received and credited to my balance in XXXX, 2015, since that time i have sent XXXX 3 XXXX more payments, totaling another {$180.00}, but they tell me that they never received any of these payments, and i am now accruing finance charges. I find it hard to believe that no mail is being delivered in the state of Georgia. I have checked with my financial institution and they report that the checks have not been cashed. I believe PayPal is holding so that i accrue finance charges. I saw a lawsuit which was filed against PayPal, and am looking into joining this suit. Any info you could provide would be gratefully appreciated. Thank you. XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-20
Company: Paypal Holdings, Inc
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
PayPal reported lack of payment to credit collection company XXXX XXXX XXXX. I did not open this account, and even the email used to open should raise suspicion. When I researched online, it appears this regularly happens with PayPal and XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-04
Company: Paypal Holdings, Inc
State: TX
Product: Money transfers
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
I paid an invoice through PayPal in XXXX and it did had a conversion rate of XXXX for XXXX usd. This exchange rate is much different from any other exchange rate. When I called to get an understanding about which entity they get their exchange rate info from I was given the run around. I was charged a total of {$480.00} when it should 've been around {$460.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18
Company: Paypal Holdings, Inc
State: IN
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:
I received a statement from Paypal regarding a pair of children boots I purchased on XX/XX/XXXX for XXXX. I request all my statements to be mailed which was never done. I notified Paypal CSR and spoke w/mgr. I was told statements sent via email, which I do n't read often that why I request paper statements. I was told the purchase of boots was only {$29.00} plus any late fees and interest. I made a payment of {$29.00} on XXXX/XXXX/16 leaving a late fee and interest balance of {$25.00}. I closed the account on XXXX/XXXX/16 after the payment of the boots. Apparently the account was not closed. After my Attorney contacted them via letter I started receiving paper statements. On XXXX/XXXX/16 email statement bal {$64.00}. Paper statement XXXX/XXXX/16 bal {$100.00}. Paper statement XXXX/XXXX/16 {$130.00}. Paper statement XXXX/XXXX/16 bal {$170.00}. Paypal have added exorbitant fees on to the account for a minimal payment of {$25.00} late fee. I agree w/ {$25.00} late fee but not the other fees. 

My Attorneys sent letter XXXX/XXXX/16 & XXXX/XXXX/16 and sending XXXX today. Stating we have reviewed XXXX XXXX account balance and transactions with her. It appears that you have failed to provide a paper statement on her account as requested. Further it appears you have added exorbitant fees on to the account for a minimal payment of {$29.00}. Thus, we would demand that you XXXX out XXXX XXXX account and send her written confirmation of the closing of this account. 

1st letter mailed : XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX 2nd letter mailed : XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX 3rd letter mailed : XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX As of today no response of account being closed from PayPal just statements with late fees and interest.

Company response to consumer: Closed with monetary relief