BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-22
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Yesterday evening I spoke to a rep in regards to my acct I requested a letter stated the debt would be removed after payment, the rep said no they do not produce individual letters, I then asked the rep to send a letter with the offer we agree to the rep stated no, I tried to negotiate the rep put me on hold to speak to his manager and his manager stated I must pay in full with a debit card and they do not want to negotiate with me if I send a USPS money order the original amount from the original creditor is XXXX there offer is well above asking price

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: FL
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 am the co-signer on a student loan account taken out over 10 years ago. The loan is now in repayment, and the main borrower filed for bankruptcy earlier this year. I live in XXXX, FL and the main borrower resides in XXXX, OH. 

Under the normal terms of the loan, when the loan fell past due, I was immediately notified by mail or phone and would ensure the payment would be made to avoid delinquency being reported. Once the main borrower filed for bankruptcy, the lender seized all communications with main borrower and also myself. I had to find out via credit reporting that this student loan account was past due. When I attempted to log in to online, XXXX also removed access online. When I spoke to XXXX 's bankruptcy department ( on several occasions ) the scripted representatives simply recited the same thing, that legally they were not able to contact me. Nonetheless, they deem it appropriate to ruin my credit, which I have worked tirelessly to keep intact, based on their guidelines. 

Now I have a problem with this. The main borrower filed for bankruptcy. I did not. So I should still be able to be contacted to give me an opportunity to act ( make a payment ) and fulfill my duty as a co-borrower prior to adverse action being taken. If it were up to me, the account would never default, but I have to know what 's going on with the account. Given XXXX 's decision to restrict access, my credit is adversely being affected costing me thousands of dollars, as I 'm in the process of closing on a home loan. 

The loan was reported past due during the months of XXXX XXXX and 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 non-monetary relief
Consumer complaint received 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
There are addresses listed on my credit reports that I have never lived at or may belong to a family member : XXXX XXXX XXXX, XXXX, GA, XXXX, XXXX XXXX XXXX XXXX  XXXX, GA, XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX, XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX, XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX  XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXXXXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXXXXXX OH XXXX, XXXX XXXX XXXX  XXXX OH XXXX, XXXX XXXX XXXX XXXX  OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXXXXXX XXXX XXXXXXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX A XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been receiving countless phone calls from Portfolio Recovery about a debt collection for years. They call from different numbers every time, from all over the country. The most recent have been showing up on my caller ID as being from XXXX, XXXX, and XXXX. I have reached out to them multiple times by mail to attempt to verify the debt but they have never responded. The Collections account on my credit report is showing the original creditor as XXXX XXXX, but there is no delinquent account with XXXX XXXX on any of my credit reports to verify this account. I have never received any written communication in the mail from them to submit as a part of this complaint, they have only ever contacted me by phone, and they have never addressed my request for debt validation. When they call they tell me they are attempted to collect a debt and are asking for payment. I attempted to dispute this account with credit bureaus only for it to show " Dispute resolved ; customer disagrees '' and " Consumer disputes after resolution. '' I don't have any documentation from the original account they are alleging that I owe for. In addition to the countless phone calls, I get calls late at night ( past XXXX ), on weekends, even on Sundays.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-24
Company: DISCOVER BANK
State: FL
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 am the co-signer on a student loan account taken out over 10 years ago. The loan is now in repayment, and the main borrower filed for bankruptcy earlier this year. I live in XXXX, FL and the main borrower resides in XXXX, OH. 

Under the normal terms of the loan, when the loan fell past due, I was immediately notified by mail or phone and would ensure the payment would be made to avoid delinquency being reported. Once the main borrower filed for bankruptcy, the lender seized all communications with main borrower and also myself. I had to find out via credit reporting that this student loan account was past due. When I attempted to log in to online, Discover also removed access online. When I spoke to Discover 's bankruptcy department ( on several occasions ) the scripted representatives simply recited the same thing, that legally they were not able to contact me. Nonetheless, they deem it appropriate to ruin my credit, which I have worked tirelessly to keep intact, based on their guidelines. 

Now I have a problem with this. The main borrower filed for bankruptcy. I did not. So I should still be able to be contacted to give me an opportunity to act ( make a payment ) and fulfill my duty as a co-borrower prior to adverse action being taken. If it were up to me, the account would never default, but I have to know what 's going on with the account. Given Discover 's decision to restrict access, my credit is adversely being affected costing me thousands of dollars, as I 'm in the process of closing on a home loan. 

The loan was reported past due during the months of XX/XX/XXXX XXXX and XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-03
Company: EQUIFAX, INC.
State: LA
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:
these creditors have failed to provide proper validation & methods of validation to to prove these debts were mine UNDER THE FCRA you have to delete these inaccuracies. 

I have taken actions by sending certified letters to XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: DISCOVER BANK
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Discover emailed me on XX/XX/XXXX at XXXX regarding suspicious activity on my account and froze it temporarily until I could call to resolve. I called them at XXXX on XX/XX/XXXX to discuss the notification. When I called, Discover had informed me they made a " business decision '' and closed my account, without any notification to me. They have termed all my online rights and removed me as a member. All of my funds and income are in this account. 

After trying several times to speak to a supervisor or someone to help, they told me they did not have anyone and I 'might ' receive a call back in 24-48 hours. With being a new mother and all my funds are in the account I expressed I did need to talk to someone about what was going on and how we can resolve this or grant me access to my funds so I could get formula for my baby. They did not further assist me and told me a " business decision has been made ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-20
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: Account information incorrect

Complaint:
There is a lot of erroneous items that are reporting incorrectly on my credit report. These accounts are unverifiable, invalidated, inaccurate, & violating FCRA rules. If everything is not reporting 100 % accurately it must be removed. These inaccurate items on my report are causing me hardship, for me and my family, I can't get an apartment for me and my kids to live in a better area, I have to work at a low-paying job due to these inaccurate items on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
There is a lot of erroneous items that are reporting incorrectly on my credit report. These accounts are unverifiable, invalidated, inaccurate, & violating FCRA rules. If everything is not reporting 100 % accurately it must be removed. These inaccurate items on my report are causing me hardship, for me and my family, I can't get an apartment for me and my kids to live in a better area, I have to work at a low-paying job due to these inaccurate items on my credit.

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 2021-07-22
Company: FORD MOTOR CREDIT CO.
State: DC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I purchased a Ford XXXX  from XXXX XXXX in Maryland. The loan was opened XX/XX/XXXX. Last four of the account XXXX. On XX/XX/XXXX I was diagnosed as XXXX  XXXX  by a Dr XXXX and put on XXXX. I didnt know what to do about my car because the doctor said I couldnt drive anymore. I reached out to Ford motor credit. I spoke with a Ford motor credit agent who said I could turn the car back in to Ford. Ford motor credit explained that they would send my car to an auction where it would be sold off. If the car sold for more than was owed on my loan. Ford would pay the car off and send me a check for the amount over what I owed. So agreed that this was the best solution since I couldnt drive anymore. I asked Ford motor credit if this would be a repossession my credit. I was told no. I was self surrender in the car back to Ford motor credit. I made arrangement for Ford to come get the car. I was worried that the DC government would ticket the car since the registration was up. I asked Ford motor credit if the could pick the car up from my cousins house Maryland. They had a drive way and the car would not get ticketed. Ford said okay and I supplied them with her address and left the key with my cousin and her husband. They took their sweet time but finally picked up the car. The car sold at auction and I received a check for the difference. Fast forward to the present and Im looking at me credit report and XXXX  is showing derogatory on the Ford motor credit loan. They are showing a repossession on the vehicle I called Ford motor credit about. And I was told it would not be a repossession because I contact Ford motor credit and did a self surrender of the car. Which got paid off needless to say now its on my credit report and I want it if. Im not sure whose not telling the truth here Ford Motor credit or XXXX. Left them figure it out but it out

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
their customer service would not help and take care of the negative inquiries reporting to your credit report.+All BanksXXXX XXXX XXXXInquiry from XX/XX/XXXX+Credit UnionsXXXX XXXX XXXXInquiry from XX/XX/XXXX+Miscellaneous Reptg. AgenciesXXXX XXXX XXXXInquiry from XX/XX/XXXX+Credit UnionsXXXXInquiry from XX/XX/XXXX+XXXX XXXX XXXX XXXX XXXX XXXX XXXXInquiry from XX/XX/XXXX+All BanksXXXX XXXX XXXXInquiry from XX/XX/XXXX+All BanksXXXX XXXX XXXX XXXXInquiry from XX/XX/XXXX+Automobile Dealers, NewXXXX XXXXInquiry from XX/XX/XXXX+Auto FinancingXXXX XXXXInquiry from XX/XX/XXXX+Auto FinancingXXXX XXXX XXXX XXXXInquiry from XX/XX/XXXX+Automobile Dealers, NewXXXX XXXX XXXX XXXXInquiry from XX/XX/XXXX+Auto FinancingXXXX XXXXInquiry from XX/XX/XXXX+Personal Loans Cos.XXXX XXXX XXXX XXXX XXXXInquiry from XX/XX/XXXX+Auto FinancingXXXX XXXX XXXXInquiry from XX/XX/XXXX+Auto FinancingXXXX XXXX XXXXInquiry from XX/XX/XXXX+Personal Loans Cos.XXXX XXXX XXXXInquiry from XX/XX/XXXX+Auto FinancingXXXX XXXXInquiry from XX/XX/XXXX+Sales FinancingXXXXInquiry from XX/XX/XXXX+Miscellaneous Reptg. AgenciesXXXXInquiry from XX/XX/XXXX+Miscellaneous Reptg. AgenciesXXXX XXXX XXXXInquiry from XX/XX/XXXX

+Automobile Dealers, OldXXXX XXXX XXXXInquiry from XX/XX/XXXX+Credit UnionsXXXX XXXX XXXXInquiry from XX/XX/XXXX+Credit UnionsXXXX XXXX XXXX XXXXInquiry from XX/XX/XXXX+All BanksXXXX XXXXInquiry from XX/XX/XXXX+Telephone CompaniesXXXXInquiry from XX/XX/XXXX+Miscellaneous UtilitiesXXXX XXXX XXXXInquiry from XX/XX/XXXX+Credit UnionsXXXXInquiry from XX/XX/XXXX+Miscellaneous Reptg. AgenciesXXXX XXXXInquiry from XX/XX/XXXX+Personal Loans Cos.XXXX XXXX XXXXInquiry from XX/XX/XXXX+Auto FinancingXXXX XXXXInquiry from XX/XX/XXXX+Auto FinancingXXXX XXXX XXXXInquiry from XX/XX/XXXX+Auto FinancingXXXXInquiry from XX/XX/XXXX+Miscellaneous Reptg. Agencies

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 2022-05-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I contacted the companies and the bureaux to correct my personal information but they are still being reported inaccurately.

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 2018-02-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Previously, I have asked to be removed from any and all pre-approved credit offers from CapitalOne. My name has been removed from pre-approved credit mailing list as confirmed by XXXX. CapitalOne continues to send preapproved credit offerings to me. 

I have asked them to remove my name, address, and all associated data, but they still send these offers to me. Because of identity theft in the past, I have had multiple accounts opened in my name. 

The CaptialOne mail offerings include 3 Easy steps for applying online with a personal confirmation code. 

CaptitalOne has no authorization to have my financial date or personal data. 

Please have CapitalOne remove all information regarding my personal data and confirm this in writing. 

Thank you. 

Best regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-09
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I find it humorous that Equifax wants to be a XXXX in their reply stating Im asking for multiple things and I dont know what Im talking about when they use a computer that didnt comprehend my request. I requested you verify who you spoke with to verify inaccuracies and violations that you continue to report as accurate. 

I first disputed XXXX XXXX XXXXXXXX XX/XX/XXXX and I am STILL disputing the account for the following reasons ; 1. the credit limit is missing therefore incomplete reporting is in violation of fcra 2. there are 3 different dates last active reporting therefore in accurate reporting and in violation of fcra 3. the date of last payment is different : equifax shows XX/XX/XXXX XXXX shows XX/XX/XXXX. again inaccurate and must be deleted 4 Reporting different payment history you sent me a letter stating your investigation was complete and the information was accurate and all information was verified as accurate. THAT WAS A LIE I disputed XXXX XXXX for reporting different dates last active - equifax reports XX/XX/XXXX XXXX reports XX/XX/XXXX. this is inaccurate and a violation. they are reporting a past due balance -again this is a collection account. THERE SHOULD BE NO PAST DUE ON A COLLECTION ACCOUNT. Again your XX/XX/XXXX investigation said these things were accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: Paypal Holdings, Inc
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I transferred XXXX from my XXXX acct to venmoon the XXXX. 
The item cleared my Checking acct onthe XXXX. 
I really did not want this transfer but I initiated it so I had to wait until funds were released to retrieve it back. 
The hold they posted stated funds to be released on the XXXX. 
I made a Dr appt ear for today as I have been very ill. 
Today is the XXXX. 
The funds are Not released.i 've spent hours in chat trying to get my money. 
I have 12 pages of Chat. Each time I explain this is wrong they transferred me. 
7x I was transferred without them asking permission. 
7 times I asked to dpeakto someone in authority. 
Nobody helped me. 
The last Rep said they may hold my Monday till next Monday & that NOBODY at Vwnmo is able to change the computer. 

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 

I need my money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-25
Company: TRANSWORLD SYSTEMS INC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
this account does not belong to me, details belowe TRANSWORLD SYSTEMS INC Original Creditor Name XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$2000.00} Amount {$2000.00} Status Date XX/XX/XXXX Status UNPAID date Delinquency XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have been attempting to resolve issues regarding 2 items that are negatively being reported to my credit files since XXXX of this year ( 2017 ) ; which is hindering my ability to obtain new lines of credit and having a major negative impact on my credit score making it impossible to secure loan for the purpose to purchase property. I do not owe XXXX XXXX XXXX XXXX XXXX any monies ; prior to negative reporting to all 3 credit bureaus I was unaware of this account/ collection. XXXX XXXX or XXXX XXXX XXXX XXXX XXXX has not attempted to reach me by mail phone etc had they did would have given me an opportunity to request an internal investigation on this account. This account is reporting incorrectly is it not mine ; I do not have a contract/ agreement of repayment for these account. Lastly I would like to address the incorrect reporting of Chapter XXXX Bankruptcy this account is also reporting invalidly and I would like both negative entries removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-20
Company: Experian Information Solutions Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
how is this account accurate when Im still seeing 3 different dates of last activity on each bureau. 
XXXX  XX/XX/XXXX, Experian XX/XX/XXXX, and XXXX XX/XX/XXXX. Also Experian is reporting the wrong balance and wrong past due. 
And the date of status shows Experian didnt investigate the account.

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