BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-27
Company: Experian Information Solutions Inc.
State: FL
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, XXXX, AND EXPERIAN IS IN VIOLATION : 1. UNDER THE FAIR CREDIT REPORTING ACT, 15 U.S.C. 1681 ( G ) I HAVE THE RIGHT TO DEMAND THAT YOU DISCLOSE TO ME ALL OF THE DOCUMENTS THAT YOU HAVE RECORDED AND RETAINED IN YOUR FILE CONCERNING THE ACCOUNTS THAT YOU ARE REPORTING IN MY CREDIT REPORT. 

2. IF YOU DO NOT HAVE ANY DOCUMENTATION IN YOUR FILES TO VERIFY THEACCURACY OF THESE DISPUTED ACCOUNT ( S ) THAN PLEASE DELETE IMMEDIATELY. AS REQUIRED UNDER FCRA 611 ( a ) ( 5 ) ( A ) ( i ). BY PUBLISHING THESE INACCURATE AND UNVERIFIED ITEMS ON MY CREDIT REPORT AND DISTRIBUTING THE TO 3RD PARTIES YOU ARE DAMAGING MY REPUTATION AND CREDIT WORTHINESS.

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 2017-11-27
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On or around XX/XX/XXXX, NAVY FEDERAL CREDIT UNION violated Title 38, Section 5301 ( a ) ( 1 ) Veterans Benefits and/or 31 CFR 212.6 - Rules and procedures to protect benefits that is governed by the Americans with Disability Act and/or the Veterans Disability Protection Act of XXXX by willfully and negligently allowed a third party agency to garnish over {$65000.00} from my bank account without allowing me to officially dispute the transaction. I request to re-open an investigation with amendment to add additional violations of the Americans with Disability Act and/or the Veterans Disability Protection Act of 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 2021-09-28
Company: CURO Intermediate Holdings
State: AZ
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:
ON XX/XX/2021 I SUBMITTED A REQUEST OF A REMOVAL OF THESE IN ACCURATE ACCOUNTS FROM THE BURUEAS AND THEY DIDNT REPSOND FOR OVER 30 DAYS AND EVEN WHEN THEY DID THEY STILL REPORTED THESE INACCURATE ACCOUNTS WITHOUT SHOWING PROOF.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: Experian Information Solutions Inc.
State: AZ
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'm looking to by a house and wanted to get preapproved for a loan. The agent found several problems on my credit report. There were 10 credit cards on my report that I never applied. I believe I am a victim of Identity Theft and these cards are fraudulent and I need them off my credit report. I have submitted a number of disputes through XXXX XXXX and XXXX. I will be submitting a police report also. Here are the cards in question : XXXX XXXX {$590.00} Limit {$500.00} Opened XX/XX/XXXX ( XXXX  mos ) On time XXXX {$0.00} Limit {$8000.00} Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) XXXX XXXX XXXX XXXX XXXX On time XXXX Closed Limit {$300.00} Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Closed on XX/XX/XXXX XXXX Closed Limit {$600.00} Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Closed on XX/XX/XXXX XXXX XXXX XXXX  XXXX Closed Limit {$3000.00} Opened XX/XX/XXXX XXXX XXXX yrs, XXXX mos ) Closed XXXX XXXX Closed Limit {$500.00} Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Closed XXXX XXXX Closed Limit {$700.00} Opened XX/XX/XXXX XXXX XXXX yrs, XXXX mos ) Closed XXXX XXXX Closed Limit {$300.00} Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Closed XXXX XXXX XXXX XXXX Closed Limit {$300.00} Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Closed XXXX XXXX XXXX XXXX Closed Limit {$300.00} Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Closed This Information download from XXXX XXXX and XXXX websites

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 2017-02-02
Company: ENCORE CAPITAL GROUP INC.
State: WA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a letter from MCM dated XXXX17 stating the following : Dear XXXX, You have already paid MCM {$3700.00} and we want to help you resolve this account once and for all. Call XXXX XXXX XXXX XXXX or visit us online to finish paying off this account. 

We offter the opportunity to : pay a reduced balance in a single payment or make small monthly payments to resolve the debt over time Midland credit management, inc. would like to thank you for paying {$3700.00} signed XXXX XXXX, Division Manager I called Midland to see if I could settle since I am about XXXX done. Upon calling they stated that they do n't have the authorization to settle and that XXXX 's of letter were sent in error. 

She then referred me to XXXX who is the law office who taking care of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02
Company: JPMORGAN CHASE & CO.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
It appears my bank has reordered the sequence of transactions so as to charge me {$100.00} in overdraft fees instead of {$34.00}. There were XXXX transaction of XXXX/XXXX/2015 : {$10.00}, {$100.00}, and {$1500.00}. The first XXXX were covered with funds of {$1300.00}, however Chase ordered the # XXXX check first.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-28
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:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: Resurgent Capital Services L.P.
State: AZ
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:
ON XX/XX/2021 I SUBMITTED A REQUEST OF A REMOVAL OF THESE IN ACCURATE ACCOUNTS FROM THE BURUEAS AND THEY DIDNT REPSOND FOR OVER 30 DAYS AND EVEN WHEN THEY DID THEY STILL REPORTED THESE INACCURATE ACCOUNTS WITHOUT SHOWING PROOF.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
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:
ON XX/XX/2021 I SUBMITTED A REQUEST OF A REMOVAL OF THESE IN ACCURATE ACCOUNTS FROM THE BURUEAS AND THEY DIDNT REPSOND FOR OVER 30 DAYS AND EVEN WHEN THEY DID THEY STILL REPORTED THESE INACCURATE ACCOUNTS WITHOUT SHOWING PROOF.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-17
Company: Capital Accounts, LLC
State: NY
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:
I was sent to collection for a vet bill. I never had the opportunity to resolve the debt as it was sent to the incorrect address. After noticing it on my credit report I contacted the debt collection agency for XXXX reasons. 1 is the amount is incorrect and 2 I had made a payment towards this bill. I have a copy of the original bill which was {$420.00}. I was put into collection for {$660.00}. I requested several times for a breakdown of this difference in the amount owed. I never received the breakdown. I was told to allow at least XXXX weeks to receive it as they have to receive it from the original creditor. I was also told if they do not receive it within 30 days the debt would legally have to be cancelled. I attempted to contact the debt collector again the last 2 days and they will not take my call. I am very upset over this as the amount being reported is wrong and my payment I made is not being reported as well. It has been well over 30 days. The original creditor is XXXX XXXX Hospital. The collection agency is Capital accounts ... .acct # 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 2021-09-28
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Hi Sir/Madam, The situation is as follows. 
I purchase a XXXX laptop and an XXXX XXXX XXXX on XXXX. The payment method is a XXXX  XXXX XXXX credit card that on my PayPal account. 

The total amount of the purchase is {$4700.00}. After I purchased it, due to the pricing issue I canceled the order online and XXXX said they will refund to my credit card. In the same day the {$4700.00} was refunded but it refund to PayPal account balance not my XXXX  XXXX XXXX credit itself. So I need to transfer such funds to my personal checking account in order to pay off the charge.. The transfer was completed but then after a few days, I received an email from PayPal that they are going to suspend my account. 

Today XX/XX/XXXX, PayPal reverse the ACH transfer and made my account overdraft .. it is ridiculous and it is a FRAUD. The purchase already POSTED on my credit card and either your should refund the credit back to my credit card or I need the refund money back to my account in order to pay off the charge but now you reverse the credit then how can I pay the card? 

It is unacceptable and rude. They didn't say or notice me anything on this. 
The activity on my PayPal account. 
XX/XX/XXXX XXXX - {$2600.00} ( Purchase from XXXX ) XX/XX/XXXX XXXX - {$2000.00} ( Purchase from XXXX ) XX/XX/XXXX XXXX + {$4700.00} ( Refund to my PayPal account balance not credit card ) XX/XX/XXXX PayPal - {$4700.00} ( I transfer the balance to my checking account and the status was already completed on XX/XX/XXXX ) The activity on my personal checking account. 
XX/XX/XXXX PayPal XXXX {$4700.00} XX/XX/XXXX ACH HOLD PayPal Reversal - {$4700.00} PLEASE HELP...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06
Company: STATE FARM BANK, FSB
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
State Farm Bank is the XXXX mortgage holder on my house, they received all the requested documents for modification/settlement review. I have provided all the items they requested but despite my numerous phone calls they are not responding to me about the status of my file. Their phone numbers are always busy and I have to wait for more than one hour and then finally the call gets disconnected!!!! 
I have tried many times to get some ressponse from them but State farm is not responding!!!.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: EQUIFAX, INC.
State: WA
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:
I have been disputing the accuracy of a public record on my credit report with all tree credit bureaus for over a year. I found out that a third party company, XXXX, was supplying information about me to the credit bureaus. I also received documentation that the courts do not report or verify information with the credit bureaus. I found out I could freeze my XXXX account which would prevent XXXX from verifying any information on me or supply information to the credit bureaus. I froze my XXXX account and again disputed the bankruptcy information. XXXX deleted the information from my report. XXXX is currently reinvestigating the dispute. Equifax says they have verified the information with XXXX ; however, that is not possible because my account is frozen. Either Equifax did not actually verify the information or they were not truthful about how they verified the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05
Company: CCS Financial Services, Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I did the forbearance as of XX/XX/2020 in XXXX they contacted me to apply for hardship I still was not working because of Covid 19 2 months later they request statements taxes check stubs and a month ago they said no to everything balloon payment over XXXX to pay or second option foreclosure! They said I needed more income after denying me the hardship they could not do anything for me since XXXX my income has gone up but they didnt ask me to submit any other documents!! All I want is help from them something realistic not paying over XXXX in 20 days

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05
Company: Sequoia Financial Services
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
MY LAST DISPUTE WAS XXXX .I HAVE SENT NUMEROUS LETTERS ASKING FOR VALIDATION & PROOF OF MY SIGNATURE PLEASE INVESTIGATE THIS MATTER AND REMOVE THESE FROM MY CREDIT REPORT I AM ASKING FOR IMMEDIATE REMOVAL OF NEGATIVE AND INACCURATE INFO ON MY CREDIT REPORT IN VIOLATION OF FAIR CREDIT REPORTING ACT 1681s-2 AND FAIR DEBT COLLECTIONS PRACTICE ACTS PLEASE RESPONED AS SOON AS POSSIBLE WITH PROOF OF MY SIGNATURE FOR THESE CHARGES/ACCOUNTS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, inaccurate information about my inquiries is constantly reported on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20
Company: STERLING JEWELERS, INC.
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
XXXX XXXX reported me 30 day late payment for XX/XX/XXXX and 60 day in XX/XX/XXXX stating we only made partial payments when I was set up on a automatic withdraw program. 
I was never notified that the amount being withdraw was not correct amount and was under the impression that since the money was being withdraw from my bank account that payments were being applied correctly. 
I never received any statements nor any type of documentation of changes to payment amount from {$65.00} to {$180.00} and when informing representative of this their answer was simple well since we did not receive any return mail you should have received it. 

Also on XXXX XXXX, 2016 I called in to pay off account since my wife and I are in the process of purchasing a home any needed to boost up our credit and we were offered a settlement payment for the amount of {$870.00} which was paid that same day confirmation number for that payment is XXXX. Which they did apply it to our account until XX/XX/XXXX.Then on XX/XX/2016 an amount of {$65.00} was withdraw from my account again after settlement payment was made. 

When I called in to see why that amount was withdraw and requested a refund I was told since they had not applied the settlement payment to your account yet the {$65.00} is being applied to the remaining balance on the account and can not be refunded but yet they send me a letter dated XX/XX/XXXX that my account has a {$0.00} balance which does not make any sense to me. 

If we can find a way to remove this discrepancy from my credit score it will be greatly appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation