BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-10-18
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
This is a credit card that I wanted to make payment arrangements but I was told they don't do this now my account has gone to a law office to get the full payment account # XXXX Date XX/XX/2022 attorney review

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-26
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
The bank own the house. The owner never told me nothing. I FOUND OUT WHEN WATER WAS SHUT OFF..cause he pay it. That was on the lease agreement. SO NOW I WANT TO STOP IT FROM BEING SOLD TO ANY ONE potential buyers

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
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:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-10-18
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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
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: Investigation took more than 30 days

Complaint:
Hi thank you again for taking the time for reading my complaint. 

Equifax is taking longer than 30 days for debt validation. 

I have requested from XXXX XXXX  to provide proper debt validation and they are unable to. They do not have a copy of a contract. 

I have also asked Equifax to investigate this matter and it has been longer than 60 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: Paypal Holdings, Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/22, my friend sent me repayment for a vacation we were taking together for {$290.00} on Venmo. That {$290.00} was deposited from Venmo to my bank account on XX/XX/22. On XX/XX/22, I received an email that the transaction between us had been marked as fraudulent, and as such, Venmo would hold the funds and withdraw them from my account while they investigate the dispute. My friend confirmed her bank account was hacked and this was marked as fraudulent, and she was dealing with Venmo and her bank. I emailed Venmo on XX/XX/22 with screenshots of the agreed upon amount between us and confirmation that the amount had already been deposited in my account. They responded to me that this process could take up to 75 days and I couldnt do anything. In the meantime, I received a payment from someone else for {$150.00} on Venmo for something completely unrelated and Venmo took that amount to help repay the {$290.00} they had over drafted my account. My account is frozen and the only way to unfreeze it is to pay {$140.00} that I do not owe anyone. 

The bank determined my friend was hacked, Venmo helped her re-open her account. I was not hacked and the payments between my friend and I have been solved. Theres no outstanding balance between my friend and I, however Venmo keeps telling me the only solution is to get repayment from my friend. They also have not sent her any money. If she sends me money, which she doesnt owe me, Venmo will take {$140.00} of it so Im still not receiving the full amount either way. Venmo will not respond to me and every response is to only do transactions with people I know and trust. I cant close my account because of the balance I owe. As of now, I want the {$150.00} Im owed returned back to me and to have my account closed. Im at a loss as to how to progress this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Portfolio Recovery Associates did not validate this alleged debt before reporting to the credit bureaus, even though I have proof of receipt of a timely dispute, which I mailed within the 30-days as allowed by the FDCPA. After I wrote them more letters, they did finally respond. But their responses to my XXXX and XXXX requests for validation were completely inadequate. The documents they sent were nothing more than an itemized list, and a statement from an employee stating that the alleged debt belongs to Portfolio Recovery Associates. This in no way approaches the legal standard for validation. I informed their offices of this, and demanded that they remove their tradeline from my credit files. I have not received any other communication from them since. Portfolio Recovery Associates also failed to mark their tradeline as disputed on reports, and has continued collection activity. Each XXXX of these violations of the FDCPA carries a {$1000.00} fine. I have submitted a formal dispute with the credit bureaus. I am also filing formal complaints with the Federal Trade Commission, the XXXX, and my state Attorney General, in addition to filing this complaint with the Consumer Financial Protection Bureu. I am also strongly considering pursuing this matter in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: KY
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
There was an account opened from XXXX XXXX back in XX/XX/XXXX that I disputed from identity theft. XXXX XXXX closed the account on XX/XX/XXXX. In XX/XX/XXXX, I started receiving calls from " Legislation Office '' and all came from Portfolio Recovery asking that the debt was mine because they can show statements where there were purchases made and making payments. 

I asked them to validate the debt and send me a contract signed by me from original creditor showing that I own the account and I opened it myself. They provided again XXXX statements from XXXX XXXX showing charges from XXXX and XXXX. 

They are also referring that the account is {$1600.00} but yet they sent me a statement showing the balance on the account was {$490.00}. Regardless, I told them that they need to contact original creditor to get all their paperworks on this case. 

They continued to report the account to all credit bureaus without giving enough evidence of the ownership on the account. I have been trying to close this with this agency since the beginning of this year. They repeatedly pull my credit report ( soft inquiries ) almost every day. 

I really need help with this harassment. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I initially filed a dispute about this debt with all XXXX credit bureaus. I received a response saying that this debt has been verified, but I have no idea how. They have shown no evidence that this debt belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have several accounts at Bank of America ( BOA ). It appears that BOA charges an overdraft fee based on pending ( not yet posted ) clearing items included in the available balance. In addition, it also appears that, for those accounts that have automatic transfer from savings accounts to cover potential overdrafts, make transfers based on pending items ( not yet posted ) and charge a transfer fee at that time. If deposits are made during the pending period, fees are not reversed prior to posting even for positive balances.

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 2016-02-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I had an account go to collections due to my husband being laid off work. I worked it out with Portfolio Recovery Assistance that if we paid our debt then the collection would be removed from our credit report. We paid our debt and this report is still marked on my credit report. It is still negatively affecting me after it was negotiated it would n't after the debt was paid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Dear sir/madam, as I was going through my credit report on XXXX and XXXX negative report on my credit. The negative report was from PORTFOLIO RC, any time I dispute the account, they kept sending me a letter at my home address saying they investigated the dispute and notice it was mine.. XXXX I Copy this account number from my XXXX credit report. I am requesting that PORTFOLIO RC or any of it affiliates should remove such negative statement from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27
Company: M&T BANK CORPORATION
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I wanted to get money from XXXX of my checking accounts, some in cash and some in an official checkI provided identificationI was told I needed to pay {$4.00} to be provided with a check before paying more money for the official checkI had no problem paying for the service of receiving an official checkI told them I did n't need a check, I just wanted access to my fundsThey said I would have to pay if I wanted access to my money in a checking account, although I could use a withdrawal slip and pay nothing if I had a savings accountTo make the foolishness continue, I said I would open a savings account, transfer the money into it, withdraw it, and close the savings account if that was what they wanted since it would be free. 
Waited on the line to open a savings account and was told I would n't be able to draw on it since the funds would n't have cleared. The clear funds in my checking accountSo I tried to close my checking accounts. They would n't let me do that since I still had a direct deposit that would be coming through before I could get it cancelled. They would n't allow me to set a future date to cancelHow can it be legal for them to refuse me access to my funds without a fee? I just wanted ( some of ) my money? They had withdrawal slips, they just choose to make them savings accounts only.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-05
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: GA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
I made a payment at Walmart through MoneyGram and it was supposed to be for an XXXX XXXX XXXX with XXXX # XXXX through the XXXX in the amount of {$70.00} that was applied to the creditor XXXX XXXX XXXX XXXX. 
I went back to Walmart and they said that I had to address the issue with MoneyGram and I did and they told me that they have to wait for XXXX XXXX XXXX XXXX to refund the money to them in order for them to put on the account that I requested initially.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-16
Company: ENCORE CAPITAL GROUP INC.
State: SC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
There are multiple problems with this collection. 
This collection is showing as an OPEN tradeline account on my XXXX report, not listed under collection accounts. Account number listed as XXXX. 

The charges in this collection are not valid and are inaccurate. I closed this account due to charges showing up that I did not know about or authorize, after making my last payment I told then to close my account. As XXXX was sued for cramming and settled, I believe that explains the billing issues I had with them. I was also not aware of any collection actions for an amount I do not owe until reviewing my credit report on XXXX/XXXX/2015. I never received a notice of my right to dispute this information. If information was sent it never made it to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-08
Company: M&T BANK CORPORATION
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
M & T Mortgage Company foreclosed on my FHA-insured property in XXXX XXXX. As of XXXX XXXX, they have failed to file a claim with HUD for the property, although in XXXX they only have 18 months to do so. When I inquired about the matter through FHA, the lender falsely claimed that the mortgage was 42 months delinquent and in foreclosure status with Eviction Proceedings initiated ; despite the fact that the house sold at auction in XXXX XXXX, has been vacant since XXXX XXXX since I live in XXXX, and they 've received multiple code violations for not properly securing the home. In addition, the lender is claiming I am still indebted to them.

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 2016-05-04
Company: M&T BANK CORPORATION
State: OH
Product: Debt collection
Sub-product: Mortgage
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
In 2013, my home went into foreclosure. After months of mediation and court hearings, a company contacted me and told me that if I sent {$2000.00} to Trial Period Management, the foreclosure process would cease and after the trial period, the mortgage would be modified and reinstated. I sent the money. The cashier 's check was deposited into a XXXX XXXX account where it was cashed. 
I was forcefully removed from my home and would like my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-15
Company: Navient Solutions, LLC.
State: UT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
XXXX used to manage my student loans. I had my student loans deferred throughout that period because of hardship and XXXX approved them. My student loans are now managed by XXXX XXXX. Sallie Mae has reported my account to the credit bureaus as negative. This is not a fair practice and has to be corrected or deleted from my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-12
Company: M&T BANK CORPORATION
State: DE
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have submitted a Declaratory Judgment, & Slander of Title complaint with the Superior XXXX Office. I have written several letters to the M & T BANK requesting specific information related to my mortgage/security. I have requested they answer specific detail facts that I am entitled to know.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21
Company: Suburban Credit Corporation
State: VA
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 an inaccurate and invalid collection account placed on my credit report that is not my own. I have sent letters to all XXXX credit bureaus regarding this debt and still continue to see it reporting, this is a gross violation of my consumer rights and under the Fair Credit Reporting Act, I demand that they either furnish documentation verifying this account as my own or immediately remove this file from my reports

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: KS
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I attempted to purchase baseball tickets advertised through XXXX. The purported seller contacted me via email and text, including instructions on sending payment through Moneygram. Long story short, she claimed the {$1400.00} I sent her, disappeared, and never sent the tickets.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10
Company: First Data Corporation
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
TO : Bureau XXXX Consumer Finance ProtectionMy XXXX year old mother was a victim of identity theft in XXXX of this year. Counterfeit checks were created using her banking information, and XXXX checks totaling {$1100.00} were used at Walmarts in the XXXX area. Upon receiving her statement for XXXX, we notified the bank, who regained the money, closed that account to prevent further fraud, and filed a police report. 
TRS Recovery Services, hired by XXXX, has begun to hound her about paying for these checks. Over the weekend, she received a letter from them with a " Demand '' XXXX their word XXXX to pay their bill and a threat that a collection agent would be assigned to follow up if she did not. 
I have filled out a TRS dispute claim for all money owed and sent them a copy of the police report ( # XXXX # XXXX ) and a business card of a bank employee to contact, but TRS continues to call her XXXX or XXXX times a day, in spite of the fact that they have been told in no uncertain terms to leave her alone XXXX. 
I have also sent copies of all dispute forms and information to XXXX legal, as well as XXXX XXXX Department. The harassing calls continue to come in, and I am concerned about the emotional and possible physical effects the stress of worrying about this issue may cause my mother. 
Please contact me and let me know what my next steps need to be for you to investigate this issue. 

re : TRS Notifications XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: AZ
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Creditor called once at XXXX and again at XXXX the same day which violates my consumer rights per the Fair Debt Collection Practices Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30
Company: Resurgent Capital Services L.P.
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 believe this collection company does not have my proper information and therefore can not collect upon this disputed debt. I have disputed several times and sent letters asking where they came up with the original amount, how they got to this amount and proof I agreed to this. They can not verify nor validate this account. Because of the aforementioned violations, I am requesting immediate deletion of this account from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-24
Company: Remitly, Inc.
State: NJ
Product: Other financial service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
I am dealing with www.Remitly.com. This website lets you send money to several countries. I sent {$510.00} to foreign country. After 3 days they claimed recepient account information is incorrect. 

So I asked them to allow me to fix it. Their website does not have ability to even view recipient details after a recipient is set up. And there is no way to amend it. 

They insist on amending recipient details on phone only. Without showing me what are the recipient details they want to amend on phone. Which makes it VERY suspicious scam to hold money as long as possible. 

Given this frustrating experience, I asked them to cancel transaction!!! And it takes them 10 days to cancel it. 

This is nothing short of scam. Money transfer services must be regulated further.

Company response to consumer: Closed with explanation