BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Portfolio Recovery Associates LLC has been engaging in harassment tactics, attempting top collect on a debt for which they were told was due to identity fraud. Every week they send letters and call my work number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-02
Company: DISCOVER BANK
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XX/XX/XXXX XXXX Discover Bank XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Hello XXXX please provide me with the debt validation that includes the original contract. I have yet to receive any form of the original contract. Per XXXXXXXX XXXX XXXXXXXX you have willfully and non-negligently complying with the federal law by reporting inaccurate and invalidated information. Per XXXX XXXX XXXXXXXX ( f ) this is an act of unfair and deceptive practices by failing to provide and honor my demand. 
You have 30 days to respond to this issue. It has surpassed XXXX days and I still have yet to receive proper validation of this debt. Please provide me with the XXXX XXXX XXXX insurance number to proceed with this litigation process. I demand immediate deletion of this account. 


Discover Bank XXXX This account is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: Paypal Holdings, Inc
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX I sold an XXXX on XXXX, which uses PayPal natively to facilitate the transfer of funds. The phone was confirmed to be delivered to the buyer today ( XX/XX/XXXX ) by UPS, so when attempting to log into my PayPal account to check on the status of the funds, I received a notice that my {$880.00} would be held for 180 days and that my account with PayPal was now permanently limited. I was given no warning, nor reason as to this limitation. When I called PayPal to resolve the issue, I was informed that the limitation was started and completed on XX/XX/XXXX, and that there was nothing I could do to reverse it because it was deemed permanent by PayPal. The only reason for the limitation that I was given is that there was a " risk '' associated with my account, but was not told anything specific.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I recently settled the amount that XXXX XXXX XXXX accumulated over a late fee charge, interests over several months and annual fee for a credit card that was linked to my checking account that I closed ( to use for online payment and billing statement access ). In XX/XX/XXXX, my last online payment was {$380.00}, paid in full as I closed my checking account, I had no access to the online statement and closed this credit card. Apparently in XX/XX/XXXX, balance was {$29.00} including {$1.00} fees charged. I did not receive any notification of my balance owed. In XX/XX/XXXX, fees were charged, balance became {$31.00}. The fee charges continued for several months without my knowledge. No phone call or mail to notify me that I still owe them on this credit card. During this time, there were no activities or purchases on the credit card. The XX/XX/XXXX statement showed an annual fee of {$50.00}. By XX/XX/XXXX, the total amount, balance was {$90.00}. They indicated 'charge-off adjustment '. I did not learn about these charges and amount owed until XX/XX/XXXXwhen a serious delinquency was reported to the credit bureaus and this caused derogatory information in my credit score. I contacted the creditor in XX/XX/XXXX to work on a settlement. I asked for hard copies of the billing statements because I had forgotten about this account from XX/XX/XXXX.
I called and asked one of the Supervisors to waive the fees charged over the months as they failed to notify me, I did not have access to the billing statements online. There was no way for me to know I owed them any balance since I closed the account. The creditor refused my offer and demanded that I pay the full balance.
As I was applying for credit on a big purchase this year, this came back to haunt me. The serious delinquency report lowered my credit score. I called, lost the battle and paid the balance of {$90.00} on XX/XX/XXXX. The representative assured me that I will get a letter in 10 business days to confirm that this has been settled and that derogatory item will be removed from my credit history. Three weeks had passed and I have not received the letter. I disputed with the Credit Bureaus but uncertain on what actions have been taken on their investigation.

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 2017-08-24
Company: Experian Information Solutions Inc.
State: NM
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:
Experian is not responding to any of my requests to investigate, verify and remove accounts from my credit report that do not belong to me.

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 2017-08-24
Company: EQUIFAX, INC.
State: OK
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:
Simple. 
I had a past due account with XXXX XXXX that went to collections in XXXX XXXX. 
I paid the collection XXXX XXXX, XXXX. 
I filed a dispute and sent a copy of the paid letter to all three bureaus on XXXX XXXX, XXXX. 
I have received credit updates from all three bureaus showing that I still have a balance, and the account does not show " settled '', " paid in full '', or anything of the sort. 
I have contacted the original creditor and verified that the account is indeed " settled in full '' according to them. 
I am assuming that the bureaus did an investigation, and contacted the original creditor, but obviously not since they are not correctly reporting what I have verified with the original creditor several times myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
On XX/XX/2022, I went to XXXX XXXX dealership and spoke with salesman XXXX XXXX, and I completed a consumer credit transaction by applying for a car loan with Bank of America, I was denied my request for credit. I later received an adverse action letter and after reading it, I believe Bank of America is using information from my consumer report to discriminate against me. I am discouraged from making or pursuing any future applications with Bank of America. I sent a letter to Bank of America about my discrimination, but to no avail. I dont agree with their actions! Bank of America is in violation pursuant to 12 CFR Part 1002.4a and 12 CFR Part 1002b. Bank of America has violated me as a consumer by denying me my right to credit. I am making the claim that Bank of America, N.A. is being Hostile, deceitful and fraudulent towards me and this is negatively affecting my life. This has negatively affected my family and has cause me severe hardship, XXXX XXXX  and XXXX. I have been unable to purchase a new vehicle to get to and from work to provide for my wife and kids

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 2019-12-26
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Upon checking my credit report, I have several unauthorized inquiries. 

Capital One, XX/XX/2019 XXXX XX/XX/2019 Capital One XX/XX/XXXX XXXX Capital One XX/XX/2019 XXXX XXXX  XX/XX/2019 I did not make ANY of these inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
In accordance with the fair credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX has Violated my rigts 15 USC 1681 Section 602 States i have the right to privacy 15 USC 1681Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15USC 1666B : A credit may not treat a payment on a credit card account under an open end consumer credit plan as late fo 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 2017-10-16
Company: SYNCHRONY FINANCIAL
State: TX
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 am a victim of identity theft. This company requested my credit on behalf on someone fraudulently obtaining my personal information and using it to attempt to open an account. Although no account was opened this inquiry is showing on my credit file and adversely affecting my credit score. I have attached letters from creditors documenting the identity theft and a copy of my photo ID.

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 2022-10-03
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I submitted a letter to the 3 Credit Bureaus to remove these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX USDOE/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
no contract with XXXX as this account was sold to action financial services. I contact the bureau and the responded with I need to contact XXXX. I advised them I did contact XXXX and was told no account was found. They advised me it will stay on my report even though I do n't have an account with them and its reporting a negative status on my report monthly keeping me from being able to purchase a home.

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 2017-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
Simple. 
I had a past due account with XXXX XXXX that went to collections in XXXX XXXX. 
I paid the collection XX/XX/XXXX. 
I filed a dispute and sent a copy of the paid letter to all three bureaus on XX/XX/XXXX. 
I have received credit updates from all three bureaus showing that I still have a balance, and the account does not show " settled '', " paid in full '', or anything of the sort. 
I have contacted the original creditor and verified that the account is indeed " settled in full '' according to them. 
I am assuming that the bureaus did an investigation, and contacted the original creditor, but obviously not since they are not correctly reporting what I have verified with the original creditor several times myself.

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 2017-08-23
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
I have called equifax to see why i have good standing accounts that are not being reported, i have contacted the companys first to make sure they have been and they have replied back that they have investigated and are for sure reporting accurate information. But when i contact equifax they tell me to contact the companys again in which i have done so but still have the same outcome

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23
Company: Santander Consumer USA Holdings Inc.
State: IN
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Recently checked my credit report and noticed that Santander is reporting I have balance owed to them, they have never sent information regarding the sale of the vehicle, they have never called or mailed any correspondence requesting payment. In addition to the negative item they have attached to the credit file, they have also sent it to collections in which I have n't received any correspondence from either. Car repossession laws in Illinois require your lender to provide you with a redemption notice within 21 days after your car is repossessed. If the lender fails to provide the notices or provides legally insufficient notice, the repossession may be invalid. Because Santander failed to notify me within the time frame by mail or phone they have breached the contract. In addition they have added a {$16.00} payment X/XX/2016 which is completely false. I have not made any payments to Santander or any other collection agencies with regard to this account. The fact that Santander had added incorrect information on my report and has not contacted me speaks to their business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23
Company: We Collect Inc
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The debt collector has been harassing me with multiple phone calls. Even went the extreme to start calling me on a 2nd phone number. I was interrupted at my work place over and over again. 

The most recent form of harassment was at my personal residence. A person ( not authorized ) or allowed in my secure resident building got into the building with out being buzzed in by me ( personally ) I am the only one that can buzz a person into my building with my cell phone. Apparently a person came to my condo door during the work day and knocked on my condo 's front door. The person tried to had off papers to a friend and that person said I will not accept any paperwork for my friend. Later, I found paperwork on my doorstep. The paperwork was not in an envelope. The person left small claims paperwork on my doorstep, open for any resident to read. This is an invasion of my privacy and I did not authorize a person ( s ) from Atlas to enter my building residence at XXXX XXXX XXXX XXXX. XXXX OR. XXXX ( XXXX XXXX ) I will say again my building is secure ( no doorman ) but we have locks on all doors including the garage doors and entrance through the garage into the lobby. No one is to tress pass or enter the building with out the resident letting a person ( s ) into this building. 

I believe the paperwork left at my door step is a form of harassment friend and to myself and I would like to file an official complaint against Atlas Financial Services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26
Company: SYNCHRONY FINANCIAL
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:
Upon checking my credit report, I have several unauthorized inquiries. 

XXXX XXXX, XX/XX/2019 Synchrony/XXXX  XX/XX/2019 XXXX  XXXX XX/XX/XXXX XXXX XXXX   XXXX XX/XX/2019 XXXX XXXX  XX/XX/2019 I did not make ANY of these inquiries.

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 2019-12-26
Company: KEYCORP
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX I purchased " XXXX XXXX XXXX XXXX XXXX XXXX for 5 Users, XXXX, Download ( XXXX ) '' from XXXX. I installed the software on a couple of computers and realized that I needed to purchase an additional license so I would have 6 users. 

I contacted XXXX  and they told me that I could not add an additional user to the license that I had already purchased. They said that I must purchase a new license ( for 6 users ) from them and that XXXX would give me a refund for the 5 users. I purchased the new 6 user license from XXXX and they told me that they cancelled the license purchased from XXXX. I finished installing on all 6 PCs and everything works just fine. 

I contacted XXXX to get the refund for the license that I can no longer use and they tell me that absolutely, under no circumstance can they offer a refund on " downloadable content ''. The truth is, XXXX is not selling XXXX  as downloadable content. The software is free to download from XXXX. It just can not be used for more than 30 days without a license. So I am stuck. XXXX will not give me a refund. What to do?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26
Company: TRUSTMARK CORPORATION
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:
Upon checking my credit report, I have several unauthorized inquiries. 

XXXX XXXX, XX/XX/2019 XXXX XX/XX/2019 XXXX  XXXX XX/XX/XXXX XXXX XXXX   XXXX XX/XX/2019 Trustmark Bank XX/XX/2019 I did not make ANY of these inquiries.

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 2017-04-11
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Phoenix Financial Services, LLC sent me a collection letter for {$520.00}. I replied to their letter as they requested advising them that this account is not mine. They reported the collection account to my credit on XX/XX/2017. I wrote to the credit bureau to investigate this account for is not mine. The credit bureau replied that they verified the account. I wrote again to the collection agency asking them for the medical signed documents for this debt. They do not respond.

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