BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-03
Company: Windham Professionals, Inc.
State: FL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
They are making calls my job when asked not to do so. The last call was placed XXXX/XXXX/17. I work at a XXXX XXXX that does not wish to take these calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-05
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:
In accordance with the Fair Credit Reporting Act, 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

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 2022-05-05
Company: Experian Information Solutions Inc.
State: GA
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 convergent the following accounts/ inquiries have violated my rights. 

# XXXX # XXXX # XXXX # XXXX # XXXX # XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX 15 U.S.C 1681 section 602 ( a ) states that I have a 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 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 2015-11-10
Company: Clear Debt Solutions, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
A man named XXXX XXXX from CDR called my phone number looking for my mother. I XXXX his name and company, and found him to be a debt collector and possible scammer. I did not give out information, but instead told them to send her a verification of debt and cease communication. I am an attorney and handled legal matters for her before. I did not ask for information on the debt ; I only told him to send a debt verification. He became irate and said I was " full of it. '' He called once more still seeking to get information. I am fairly sure this is a scammer. He has also called other family members looking for my mother 's information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: Bread Financial Holdings, Inc.
State: NY
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:
XXXX refuses to do anything, I have even called and talked to someone and explained I can not make payments to Comenity and neither can hundreds if not thousands of others and XXXX states there is nothing they can do and will continue to enable Comenity to report us as delinquent over 3 months. Is anyone overseeing a bank that has had a systment shutdown since XXXX and credit reporting agencies that favor companies over individuals! I don't understand how these complaints can go unsolved. Why are we being punished with lower credit scores when Comenity is at fault, because we can't make payments! Also, on XX/XX/2022 Comenity sent this reply in regards to complaint XXXX : We previously responded to correspondence regarding this same matter with our letter dated XX/XX/2022. We verified we're reporting the account correctly to the credit reporting agencies. We're required by law to report factual information. The account terms are explained in the Credit Card Agreement. When payments aren't received, are made for less than the minimum required, or are received after the due date cutoff time, the account will become past due, and may be reported to the credit reporting agencies. As a result of our system updates, a hard inquiry was inadvertently added to the credit report. We requested the credit reporting agencies remove the hard inquiry. It may take up to 45 days for the credit reporting agencies to update their records. While conducting scheduled system updates, we have limited ability to access account information and service accounts. Additionally, our representatives may not be accessible and online account access is temporarily suspended. We are in the process of addressing outstanding technical issues and restoring full service functionality. Account information is fully protected while we work on completing the system updates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: EQUIFAX, INC.
State: MS
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:
On XX/XX/XXXX, I contacted XXXX to make my XX/XX/XXXX payment, I initially attempted to make the payment by phone but I ended up speaking with a customer representative, I gave authorization to make the XXXX payment with her, at the end of our convo she asked if I wanted the confirmation #, I was not where I could take it down so I said no. On or around XX/XX/XXXX I received a letter from XXXX stating they were making a negative entry to my credit report. I called XXXX  and spoke with a Rep that said she didn't see any notes regarding a convo on XX/XX/XXXX, I told her that if the company pulled the recording of the conversation using my phone # they could hear that I authorized payment but the rep didn't post it, the payment authorized on XX/XX/XXXX didnt post, she said she'd investigate and get back to me, on around XX/XX/XXXX, I called back, got another rep who said he didn't see anything about an investigation but he'd set it up and at this time I made the payment that was due XX/XX/XXXX, I also inquired about XXXX correcting my credit report since the rep didn't post the authorized payment and he said he'd ask supervisors if it can be corrected. Sometime in early XXXX, I received a call from XXXX XXXX relations, I forgot the name of the representative and told my story again, he too said he'd check with management about correcting my credit report. I reached out to him few weeks later and he told me that nothing he could do the report was correct. I have disputed twice with the credit bureau and they sent a letter saying the 30 day late stands the account is being reported correctly. All I am asking XXXX to do is review the conversation I had with the rep on XX/XX/XXXX, verify why she didn't post the payment, and correct the report because if the rep had applied payment on the XX/XX/XXXX the account would not be 30 days on XX/XX/XXXX and my report would not have been impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: Paypal Holdings, Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I recently received this email from the company Paypal : " You can no longer use PayPal After a review, we decided to permanently limit your account as we found potential risk associated with it. 

As a result, we can no longer offer PayPal services to you. 

Any bank or credit card information thats linked to your PayPal account can not be removed nor can it be added to another account. You can still log in and see your account information but you cant send or receive money. 

If you have funds in your PayPal balance, it will be held for up to 180 days. After that, well email you with information on how to access your funds. '' I have been a member of Paypal for 18 years without any issues. Paypal has given me no warning and no reason for my account freeze. I have contacted them multiple times over the phone to no avail. They do not offer any sort of dispute or resolution process in order to remedy the freeze on my account.. I have a large balance being held within my Paypal account as it was being used as a digital wallet for online banking and I have a debit/credit account with them. My balance and funds are currently frozen in the account for 180 days and I have no way to access these funds. Many members are finding that after 180 days Paypal are basically confiscating ( stealing ) the remaining funds and give members no recourse. There is currently a large class action lawsuit in arbitration against this company as thousands of users have experienced the same situation as I have outlined.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-05
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Late fee

Complaint:
I have a Paypal issued Mastercard. I use this card for a couple of transactions a month. In the month of XXXX 2015 I received a {$96.00} refund resulting in a net positive balance i.e. Paypal owed me money. In light of this, there was no payment due by XXXX XXXX 2015. I even checked to make sure there were no transactions. However, in the XX/XX/XXXX statement the company charged me a $ XXXX late fee and interest charges of {$1.00} ( total charges of {$26.00} ). This was shocking and when I called Paypal the service rep kept repeating that I was getting confused. She refused to explain why I was required to pay the fees and have the charges reversed in the next month ( XX/XX/XXXX ) statement. This is the second time that Paypal has resorted to this unethical practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I opened several disputes regarding a bankruptcy on my credit report. Equifax removed the bankruptcy from my credit report but re-added it weeks later because they claim they " verified '' it with their furnisher of records, I attached the letter they sent me when they deleted it. I continue to provide more and more documentation that proves this is not my bankruptcy. My latest conversation with one of their representative 's, I was told to create an account on pacer.gov, look up my social security number and to take a screenshot of the misreporting and send it to them. In this new CFPB complaint, I'm including the letter from XXXX they sent me stating that they deleted the bankruptcy from their reports, Since XXXX is their public records furnisher, I'm also including the most recent XXXX XXXX credit report that shows no public record. I'm also including a letter from the court saying they do not verify any bankruptcies with the credit bureaus and a screenshot and document from pacer.gov that shows my social security number with the wrong spelling of my name. My legal first name is XXXX, not XXXX. I'm also including a copy of my social security card and my drivers license. This needs to be removed from my credit report permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: Midwest Recovery Systems
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Midwest recovery continues to place delinquent collection accounts on my credit report. Every few months a new collection account appears. I never receive any mail correspondence and I have never gotten a phone call from Midwest. They just add collection accounts and every few months I have to dispute to get them removed. It lowers my credit score each time but it never goes back up. Im begging for assistance with this again today. Im unable to understand how this keeps happening. Also the date opened on the collection account is dated for XX/XX/2020 when I know I have not opened any new accounts. If this account exists I cant even get an accurate year because they report it to the credit bureau as new each time. This is fraudulent and unfair because even after removing these accounts my credit never recovers to the score it was prior. This year alone I have dropped by 22 points with this newest collection and in XXXX when this happened I dropped 22 points. Thats 44 points in 4 months, even though the XXXX collection attempt was removed. I cant get ahead because Midwest recovery keeps doing this to me. Please assist Im very frustrated that in the midst of this pandemic, myself a nurse is fighting to stop fraudulent credit reporting tactics by Midwest Recovery once again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: EQUIFAX, INC.
State: NY
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:
I have tried multiple time to send in disputes and call to dispute these accounts with no response. Please investigate and remove these inaccurate accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
On XX/XX/2022 I wrote XXXX, Transunion, and XXXX credit reporting agencies via certified mail ; informing them of the inaccuracies they were reporting on my credit report. They failed to reply within 30 days so I sent them a follow up certified letter on XX/XX/2022 and still they did not address the inaccuracies they are reporting on my credit report. It is becoming very frustrating for me. These companies are reporting inaccurate information about my credit history and are giving me a very hard time in correcting their errors. I have attached copies of the letters for your records.

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 2017-11-03
Company: DFC Global Corp.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
I asked for a payday loan on XX/XX/XXXX, I WAS NOT INFORMED THAT THEY WOULD RUN A CREDIT CHECK, I have A HARD inquire on my credit file. 
The monet was deposited to my checking account on XX/XX/XXXXAND THE WITHDREW XXXX onXX/XX/XXXX the loan was paid in full! 

But to date, the account XXXX shows as having an outstanding loan, I have a copy of a chat, on XX/XX/XXXX an email sent onXX/XX/XXXXanother chat XXXX ... and went to the local store ... nothing but the run around .... 

I am asking that they CORRECT, their database ... I paid the loan IN FULL XX/XX/XXXX 

Thank YOU

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
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:
To Whom It May Concern, I am Looking at my credit report on XX/XX/2020 I noticed an Inaccurate Hard Inquiry from XXXX. I Called them up to see if they can validate. They couldn't verify any new Inquiry or any new requests or provide any type of documentation. I know Recently with XXXX XXXX I had some soft pulls with there website. I asked there customer service If maybe that caused it by mistake. They assured me not the case. The Customer Representative had told me they will try to remove this from my credit report as soon as possible but they are very packed up due to corona virus. I said I would dispute it on here since I never authorized anything and Is fraud In my opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: EQUIFAX, INC.
State: AL
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:
I have a number of inquiries on my credit report that I didnt authorize. 

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 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 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-29
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
When I bought a mattress at Sleepy 's XX/XX/XXXX they suggested I pay for it with a Sleepy 's credit card that was free APR for 18months - the purchase was roughly {$2200.00}. I agreed, though I 'd been planning to pay for it outright - I got the card and had roughly XXXX $ a month automatically debited from linked account. When I saw my balance jump from {$1100.00} to {$2000.00} XX/XX/XXXX, I called immediately ( XX/XX/XXXX ) and the man said I could pay the true {$1100.00} balance as a lump sum and close out the account - which I opted to do. I gave him the number for my XXXX checking account and he said it would n't go through - I had him try several times and it did n't work -which did n't make sense. He said to call my bank and see if there was some block on a certain amount and to call back to finish the transaction. I checked with my bank - there should n't have been an issue, they did n't even see that Synchrony had tried to debit my account. When I called back over the next week, I got hung up on twice. When I got through today XX/XX/XXXX, they said the option to pay the lump sum expired on XX/XX/XXXX - so now I 'm stuck with the {$2100.00} balance. This seems corrupt, unfair, and predatory - furthermore-I believe they actively did not accept my payment on XX/XX/XXXX to prevent me from being able to pay off the lump sum. Please help! I only want to be held responsible for the balance of the original sum.

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 2020-07-11
Company: Cannon & Cannon Firm PC
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX ( XXXX ) has sold debt to XXXX XXXX XXXX on XX/XX/XXXX. This is the 3rd or 4th time XXXX XXXX has sold this same debt. 

I have sent XXXX XXXX XXXX a DEBT VALIDATION REQUEST on XX/XX/XXXX pursuant to the FDCPA 15 USC 1692g Sec. 809 ( b ). it was sent certified mail receipt # XXXX. XXXX XXXX XXXX has continued to call me from numerous out of state phone numbers. 

PRIOR to this, I was contacted by a debt collector about this debt - a debt which is owned by XXXX XXXX XXXX. This OTHER debt collector is named XXXX XXXX, XXXX located at XXXX XXXX XXXX, XXXX XXXX Ohio, XXXX. I ALSO sent a DEBT VALIDATION REQUEST to XXXX XXXX on XX/XX/XXXX pursuant to the FDCPA 15 USC 1692g Sec. 809 ( b ). XXXX   XXXX  DID NOT RESPOND to this debt validation request whatsoever. 

Instead, XXXX contracted to XXXX XXXX  CANNON LAW ASSOCIATES  of XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX Utah XXXX. I ALSO SENT A DEBT VALIDATION REQUEST TO XXXX XXXX CANNON on XX/XX/XXXX by certified mail pursuant 15 USC 1692g Sec. 809 ( b ). XXXX XXXX Cannon did not respond in writing. Instead, XXXX XXXX Cannon sent a CD which was not readable and in DID NOT COMPORT to a written response to validate the debt pursuant 15 USC 1692g Sec. 809 ( d ). 

This debt is owed by XXXX XXXX XXXX - yet XXXX XXXX CANNON LAW ASSOCIATES ( XXXX ) continues to make unwanted contact after being requested in writing on XX/XX/XXXX to both CEASE CONTACT and VALIDATE A DEBT pursuant the legal statutory USC of the FDCPA. 

Today is XX/XX/XXXX. XXXX XXXX CANNON LAW ASSOCIATES attempted to serve a summons at my home address DESPITE NO LEGAL OR LEGITIMATE CLAIM FOR DEBT COLLECTION ON BEHALF OF XXXX XXXX. Further, XXXX XXXX CANNON LAW ASSOCIATES has both inflated the value of the debt, refused to comply with a XX/XX/XXXX written request under the FDCPA to validate the debt and prove they are the owners of the debt on behalf of XXXX XXXX XXXX. 

I did not accept the service of the " SUMMONS '' at my residence. Instead, I witnessed the process server go to my neighbor 's house and tell them I owed a debt before the process server left the summons on my doorstep- invalidating the process. 

MY COMPLAINT : XXXX XXXX CANNON LAW ASSOCIATES is initiating legal service to collect a debt that is not owned by XXXX XXXX XXXX and which there is no obligation. XXXX XXXX CANNON LAW ASSOCIATES refused to validate the debt and continued to make contact -has improperly and illegally filed a summons for a debt owed by XXXX  XXXX XXXX . 

This is harassment and an abuse of process to deliver a summons to collect a debt that is not owned or serviceable by XXXX XXXX CANNON LAW ASSOCIATES or XXXX XXXX CANNON LAW ASSOCIATES client, 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