BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am a consumer. I have been violated and deceived by the use of unfair collection practices. PORTFOLIO RECOVERY ASSOCIATES, LLC has violated my right to privacy. My reference number is XXXX with this company. I do not have a contract with PORTFOLIO RECOVERY ASSOCIATES, LLC, and have written them three times asking for proof of claim/verification for this unauthorized alleged debt! I want a wet-signature signed by a natural person from Portfolio Recovery Associates , LLC and myself showing that we have a contract. I sent registered mail along with my Affidavit of Truth complete with how I have been violated and have not received a response.

They recently sent me just a statement of this alleged debt, but NEVER answered my questions in my Verification Letter ( Proof of Claim ). A statement is NOT proof of this alleged debt. The only person that can verify the debt is me the Consumer according to Title 15 USC 1692g is me.

PORTFOLIO RECOVERY has not responded to my statement of truth, and has threatened to sue me! According to 28 USC ( 1 ) ( B ) any private attorney authorized by contract made in accordance with section 3718 of title 31 to conduct litigation for collection of debts on behalf of the United States. Is this attorney in accordance with this code? I am alleging that they are not. Not to mention PORTFILIO RECOVERY ASSOCIATES, LLC violated 15 USC code 1692e ( 3 ) by the issuance of documents titled SUMMON/NOTICE to appear in court which is considered false representations and implications of the legal process.

I am a single mother. I am looking for new employment. PORTFOLIO RECOVERY ASSOCIATES, LLC has prevented me from getting a new job because they have reported this alleged account to all three major reporting agencies and I want it removed ASAP!!!! Times are hard enough in a pandemic to have my character destroyed by the horrible company. Pursuant to 18 USC 241, this is a conspiracy against my rights because two or more persons are conspiring AGAINST me to injure, oppress, threaten and intimidate me. I have had enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
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:
I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 

Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. 

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 

This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''.

The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future. 

I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage with " PHH '' that was transferred to them from " Ocwen '' in  XXXX of this year. ( XXXX ) I have paid my mortgage on time every time with both parties. 

In XX/XX/XXXX, I received a bill with an additional amount of {$1600.00} included in a field called " Assessed Expenses ''. My online account through PHH has NEVER reflected this amount and I never received any formal notice on why or how this amount was simply added into bill. Naturally, I called the company about it and I was informed that it was an error. I was told that I was not behind on any payments and that I should just send in my " regular '' mortgage payment amount. 

The same thing has happened with my bill for each month since then. Today I wasted an hour of my time on the phone between two representatives that where both trying to convince me that the charge came from a loan modification that took place 7 years ago in XXXX. Not only that ; but that the previous company " Ocwen '' randomly just decided to bill them for it this year in XXXX of XXXX. 

I asked some very simple questions that should have been simple to answer for any party requesting payment from someone. 

1 ) Why in XXXX am I just getting a charge for something that was fully executed in XXXX? 
2 ) What " fees '' exactly added up to this amount of {$1600.00}? 
3 ) How could a modification get completed without all of the fees for services required to complete being paid? 
4 ) Do you ( or " Ocwen '' ) have proof to show that I did not cover something that I was responsible for? 
5 ) If I had paid my mortgage off by now ; who would you have billed for this? 
6 ) Why did I not receive any additional form of communication explaining why this was being added to my bill and how I am now responsible for it? 

I did not receive a straight answer ( when they actually attempted to answer ) for any of these questions. As of today, my online account still only has my regular payment amount showing as due. Something is definitely off here. 

Please help me resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: LEXISNEXIS
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Under false pretense, LexisNexis is reporting a Bankruptcy on my credit report. They have listed the Creditor / Institution as XXXX XXXX XXXX XXXX XXXX. 

After contacting the XXXX XXXX XXXX XXXX XXXX, I was informed that they are not the Creditors and they do not report to any third party reporting agencies nor converse with any third party reporting agencies. They also stated that the information reported comes from a XXXX XXXX XXXX XXXX XXXX XXXX ( PACER ). 

I received a letter from PACER also, that states PACER does not contact consumer reporting and credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-08
Company: Fidelity National Information Services, Inc. (FNIS)
State: DE
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 recently received a copy of my Chex System Consumer report and I noticed an account on my consumer report that should not be on there. I never gave Chex Systems any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. As a consumer, I am demanding the deletion of the following account XXXX. XXXX XXXX XXXX  ; Account number : XXXX Original Charge Off Amount : {$590.00} Closure Status Date : XX/XX/2019 Account number : XXXX Original Charge Off Amount : {$630.00} Date of Closure : XX/XX/2019

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 2023-12-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-10-25
Company: EQUIFAX, INC.
State: PA
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:
Hi my name is XXXX XXXX. On XX/XX/, I sent a letter with respect to mistaken and obscure things on my credit report. Right up 'til today, more than 30 days after the fact, I have not gotten a reaction at this point. I feel like I'm being taken advantaged of and being overlooked. Section 611 ( a ), It expresses that inability to explore these things inside 30 days gives motivation to quickly eliminate those things from my credit report. It's been more than 30 days so they ought to be erased speedily. I request that these records be erased promptly or I will petition for suit because of the pressure you have caused me. My data was likewise affected by the Equifax data breach and may have gotten under the control of some unacceptable individual.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
All my Federal Student Loans ( XXXX ) were XXXX through the Total Permanent XXXX unit at XXXX on XX/XX/2023. The adverse accounts were all removed from all 3 bureaus almost immediately following discharge. 

On XXXX XXXX 2023, all the accounts have reappeared showing me in XXXX day default, and my scores dropped massively.

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 2023-03-30
Company: Credit Karma, LLC
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2023 XXXX dollars was transferred from my Credit Karma savings account into an account that does belong to me. I let credit Karma know and filed a police report. My email was able to be used without my knowledge and I wanted credit Karma to reach out by phone but they refuse phone correspondence. I am not certain what is happening with case. There were also fraudulent charges in my credit Karma checking account. I have done everything credit Karma asked of me that was in my control and there has not been a clear response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06
Company: SELECT PORTFOLIO SERVICING, INC.
State: NH
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Im writing on behalf of my elderly/XXXX mother and father in law. 

In XXXX, XXXX ( XXXX ) was the servicer/ bank that held their mortgage. Due to major medical issues the kept my father in law from returning to the work force, and trying to avoid foreclosure they applied for a modification on the loan. XXXX, through a government program that was released in XXXX, granted the loan hardship/modification and fees etc were waived. They were to have a set mortgage payment every month without changing- something they could afford on their small fixed income. 

Since XX/XX/XXXX my Father in law is no longer in the picture.My mother in law took over the finances at the household and we were assuming she was doing fine. 

A couple months ago my mother in law came to us in a panic. She was about the lose the house and all her bills were or were about to be delinquent. After looking into we saw that at some point the loan servicer changed from XXXX and the new servicer SPS was charging her almost double then the modification agreement had stated. Plus they tacked on fees of close to 60k that was added with little to no explanation. 

I have called on MULTIPLE occasions asking for a copy of the modification agreement that was transferred from XXXX to SPS.I ahve also asked on multiple occasions for an explanation/ breakdown of added money. Through multiple recorded phone calls they have refused to provide either. They have supposedly looked everywhere for the modification agreement and it cant be found. Also they are refusing to send any type of explanation as to the money they have tacked on. 

We are looking to refinance the loan but the underwriters at XXXX XXXX will not move forward without the modification agreement or breakdown of the added funds. 

My ssenior/XXXX mother in law will foreclose and face homelessness  if this is not provided and taken care of right away.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: Maximus Education, LLC dba Aidvantage
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
During the student loan pause my government student loan was sold to Aidvantage. The information on my account is inaccurate it the loans are for a school that I attended in the XXXX XXXX and only went there three months. XXXX XXXX XXXX was closed due to fraud. I attended two schools online XXXX XXXX and then XXXX XXXX I recently found out these schools were involved in deceptive business practices fraud. The balance that I owe is incorrect the loan was for XXXX XXXX I never received any student loan checks at all. The Pell grants you don't have to pay back this balance is outrageous they have that I owe {$41000.00} for two loans together. It is hard to get in touch with this company. I did a repayment plan before pause and it ends XX/XX/. I wanted to apply for the SAVE program to see if my payment could me lower or no payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
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: Account status incorrect

Complaint:
There are inaccurate accounts on my credit report that is reporting. There is also names and addresses reporting that are not mine.

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 2021-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I was recently alerted by my employer that my personal information was leaked in a data breach. So today, XX/XX/XXXX, I applied to receive copies of my credit report via the governments " Annual Report '' website. I was able to retrieve both my XXXX and XXXX reports without issue. However, Transunion denied me access to the report online. They instructed me to call customer service to get a copy of the report, but the number is an automation which kept running in a loop. This is not the first time I've had a problem with Transunion. In XX/XX/XXXX, I attempted to get my credit reports for another purpose. I was able to get my reports from XXXX and XXXX again without issue. However, Transunion steered me to the customer service number yet again. Desperate to get the information quicker, on XX/XX/XXXX, I paid for the Transunion Score & Credit report for {$24.00}. Miraculously, I was able to access my information online. And, no ... this isn't a log in issue or failure to guess the identifying questions correctly -- if you look at the screenshot on Transunions website, I was able to log in to my account ( see top right corner which states " Logout '' ) but still not allowed to access my credit report. Transunion seems to be engaged in the deliberate scheme of holding consumer 's credit reports hostage for payment in clear violation of law. If you don't pay up, you have to get your report via postal mail which takes longer, especially to dispute. This is a very calculated scheme and they should be held accountable for it.

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 2021-10-25
Company: CREDIT ACCEPTANCE CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information 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. I have a loan with CREDITACPT. I have always made my payments on time yet there was a 120-day late state. Another thing, this was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. I tried contacting XXXX and XXXX Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the late payments and repossession were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part. The bureaus are condoning illegal behavior and willfully in violation of FCRA. REMOVE THIS REPOSSESSION ACCOUNT COMPLETELY FROM MY CREDIT REPORT.

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 2021-03-08
Company: Netspend Corporation
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
On XX/XX/2021 a charge to my Netspend account for {$88.00}. This charge was initiated by a XXXX purchase that I did not make. I called XXXX the same day and was able to get the charge canceled due to it still being in the pending status in my Netspend account. 

XXXX cancelled the transaction and everything was okay. As a precautionary I changed my password to XXXX, canceled the current card with Netspend and ordered a new one. Also reported that the charge of XXXX XXXX with Netspend, was indeed fraudulent as well. The next day I get a notification of a XXXX $ overdraft fee being charged to the account, at this time the account is now in the negative for XXXX or so. I called and spoke with a representative XXXX, I explained the situation in regards to my account with XXXX being compromised, I also informed her my XXXX cards were compromised as well to let her know I was going through a time where someone had accessed all of my information. XXXX said she understood due to the card being canceled there was nothing the company could do until I get a new card. I ended the call and received the card on Sunday XX/XX/2021. I activated the card, and saw that there had been no reconcile with this account. I called Netspend again on XX/XX/2021, per the representative that day, they have to take 45 days to investigate, upon that my account will still reflect in the negative balance. Due to me having my own check deposited in this account, the reprasentive assured me I would be responsible for the fraudulent charges when my deposit hits on Tuesday. I asked that the account be closed, the account was indeed closed and closed at a negative balance. Netspend shouldnt hold their customers responsible for fraudulent charges. I also have all of my documentation from XXXX as XXXX saw it was a third party user and not myself so I do not understand why I would responsible for this.

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 2020-11-09
Company: Experian Information Solutions 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 belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX U.S. DEPARTMENT OF EDUCATION XXXX {$590.00} U.S. DEPARTMENT OF EDUCATION XXXX {$1600.00} XXXX XXXX XXXX {$95.00} FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING 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