BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-11
Company: TRUSTMARK CORPORATION
State: MS
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
XX/XX/ my HELOC was suspended and since that period the interest rate has increased from interest only 1 % of balance to 13 % and climbing. My balance is approx {$11000.00} and I have not had available credit since XX/XX/. Since the line has been suspended how can the interest rate continue to increase and I have no access to the line other than making payments. If the line is suspended so should the interest. Please help me get a satisfactory explanation. Thanks

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 2019-09-17
Company: Commonwealth Financial Systems, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Receive notice of debt in mail, letter dated XX/XX/2019 before I even tried to dispute it, it is on my credit report. Its a hospital bill that my ins company has no report of.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: FC HoldCo LLC
State: CA
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:
XXXX XXXX  had a offer that say I would be fine but preapproved for a loan and XXXX different hard inquiries put was put on my report dorming my XXXX XXXX by XXXX points. Then they stated that I was not eligible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: GLOBAL CREDIT UNION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
As the start of XXXX applied for a loan on line. In touch with a lender approved me the loan but before approval they required to pay insurance of the loan thru purchasing Gift cards by intially sending me the money via mobile deposits to my bank account amounting to $ XXXX. Nothing wrong got into me so followed to them and sent them serial numbers on phone anyways they paid for it. Here comes XXXX day my bank called me and said transactions are shady so from there they hold my account including my debit card without any Access from me and told me the deposits are bogus and told me i was Scammed. So i told them the money i got was only used to get the gift cards, no excess that went to me. Upon conversing with them fraud dept. i told them to stop accepting checks coming in from the Scammers XXXX return it. Until last week received a letter from my bank Global Credit Union that i owe them over $ XXXX Overdraft fees caused by bogus checks continously sent to my bank. This is redicoulous never receive a phone call only daily checks sent by the Scammer thru mail from Global bank. All the while my phone conversation to the fraud dept. they will put a stop on this so i wont incur charges. I am a Victim by a Scammer including my Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I contacted Midland Credit with XXXX debt validation letters. They ignored all of my requests for validation. I do not recognize this account and I want it removed from my credit report!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-01
Company: EQUIFAX, INC.
State: NY
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:
I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. 
15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also, they aren't even in compliance with Metro 2 credit reporting. 

XXXX XXXX Collection {$0.00} XXXX XXXX XXXX Collection {$0.00} XXXX XXXX Collection {$0.00} XXXX XXXX Collection {$0.00} XXXX XXXX  XXXX Charge-off {$0.00} XXXX XXXX Foreclosures {$0.00} Please see the attachment as I have analyzed everything on my credit report!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
Portfolio Recovery Associates , LLC, have called me, sent me correspondence, I explain my financial situation. My parents called to inform me that the company called them, how the company got my parents number I do n't know, I called them company and asked them to remove my parents number from their list. But I 'm beyond upset when my XXXX year old son, told me he received a call from XXXX XXXX hounding him. This is my debt, not my parents or children this harassment need to stop

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27
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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-08-19
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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: Bread Financial Holdings, Inc.
State: AL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My payment is due on the 4th. I paid on the 4th. They are saying it was the 5th. My account on their site shows I paid on the 4th. They charged a late fee on the 3rd before it was due. I went to XXXX XXXX and paid off my account per the manager a week later. Comenity is saying I owe the late fee and finance charge and my account was not paid in full. I shouldnt have a late fee because they charged it before the due date per their website and it shows I paid on the 4th. The due date. They are ripping people off.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-21
Company: Santander Consumer USA Holdings Inc.
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Santander Consumer USA has not deleted themselves from all 3 credit agencies reported on my credit reports as agreed with the Multistate Santander Settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: MOHELA
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I submitted my XXXX forgiveness application in XXXX of XXXX. My payment count was updated in XXXX with qualifying payments of XXXX. I called in XXXX and asked the customer service person if there was anything else I needed to do. She informed me that I needed to submit the spplication again for forgiveness. So I submitted the form again. I have checked on my application and my form has been canceled as a duplicate form. I emailed them as I am unable to get human on phone, to see where the process is at as my count of payments has met the required number for forgiveness. Their responce was I have employment certified through XXXX and Your employment and payment counts will be updated with every updated form submitted. If your XXXX application is approved, then you will be notified that the entire remaining balance of your eligible Direct Loans will be forgiven, including all outstanding interest and principal. My issue is my payment count was updated in XXXX and approved and yet my loans have not been forgiven and the additional forms resubmitted were canceled. I would like an update on my account as its been XXXX months since payment count was updated and approved. My loan should be forgiven.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03
Company: BANK OF THE WEST
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
When I opened my account it was guaranteed to be free of fees for 125 years. My checkbooks was stolen on XX/XX/XXXX and the bank told me that by giving me a new account number everything would be resolved. I had two checking accounts that were free for 125 years. I told them that the account was free from all fees for 125 years and I did not want to loose the free service. XXXX at the branch on XXXX XXXX XXXX XXXX in XXXX XXXX California assured me that everything would remain the same except the account number. Everything went along fine until XX/XX/XXXX when both my checking accounts began receiving {$3.00} monthly fees for bank statements to be mailed. I complained and {$6.00} was credited back to my accounts. ( {$12.00} in fees and {$12.00} in credits ). The manager told me this had been corrected and the fees would no longer be assessed. Her name is XXXX and her number is XXXX. I called and complained when the fees continued in XXXX and she backtracked and said the 125 year free account did not include free Bank Statement being mailed. I told her I was filing a complaint and she did not care. I have incurred {$3.00} x 2 accounts for XXXX, XXXX, XXXX, and soon XXXX that total {$9.00} each account soon to be {$12.00} each account. Then in XXXX one of my accounts started being charged an additional {$10.00} fee for a total of {$13.00} a month. I did not realize the additional fee was being charged until the bank charged me a {$35.00} NSF fee for a check. This horrified me as there would have been enough money in my account had the bank not charged me all the fees. The notice stated my account was overdrawn by {$22.00} and they were assessing an additional {$35.00} fee. So to summarize the fees charged, Account One has been overcharged {$9.00} and increasing by {$3.00} the XXXX of every month and Account Two has been overcharged {$9.00} for statement fees also increasing {$3.00} on the XXXX of every month, {$20.00} for unknown fees and I assume they will continue to charge this additional undisclosed fee on the XXXX of every month, and a {$35.00} fee for a NSF that is their fault for charging me fees fraudulently. To date Bank of the West owes Account One {$9.00} and Account Two {$64.00}. I called XXXX Thursday XX/XX/XXXX and she has not returned my call or corrected my account. I am trying to locate my original free checking information however it is from around XXXX. Bank of the West is stealing money out of my account and committing Bank Fraud by taking money not due them and not agreed to by me. I also have direct deposit on both accounts so it is very difficult to change banks as well as redoing all my online payments.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records listed below. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

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 non-monetary relief
Consumer complaint received 2019-01-10
Company: VALLEY CREDIT SERVICES, INC. (WI)
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX XXXX DAMAGED MY CREDIT AND I NEVER HAD KNOWLEDGE OF THE DEBT.

Company response to consumer: Untimely response
Consumer complaint received 2018-09-03
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: Information belongs to someone else

Complaint:
Over the past 2 months I have tried to have my creit locked due to identy theft and credit buros did not, lock my credit resulting in almost 50 inquires and XXXX refuses to remove and account that was a result of identity theft The fradualnt acount is XXXX XXXX XXXX  for {$120.00} The fradulant inquires are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Automated Consumer Interview System XXXX XXXX XXXX. Automated Consumer Interview System XXXX XXXX XXXX   Direct to Consumer Report XXXX/XXXX Promotional Inquiry XXXX  ID Report XXXX Automated Consumer Interview System XXXX XXXX XXXX. Automated Consumer Interview System XXXX XXXX XXXX. Automated Consumer Interview System XXXX XXXX ID Report XXXX XXXX/XXXX ID Report XXXX XXXX XXXX XXXX Promotional Inquiry XXXX XXXX Prequalification for Credit Card XXXX Promotional Inquiry

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 2022-11-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The debt collector ( Portfolio Recovery Associates LLC ) has placed a collection on my credit report for a debt that is not mine. They are using an illegal practice by trying to collect the same debt from two individuals in the same household. I have attached two photos from my ( XXXX XXXX ) XXXX credit report and that of XXXX XXXX who lives in the same household as me. The Collections are both from Portfolio Recovery Associates LLC and have the same account number. The information I found interesting is that although the Collections are from the same account they are showing different debt amounts. This makes me assume that Portfolio is simply randomly collecting debt they do not have the right to collect. So because of this if Portfolio Recovery Associates LLC is unable to send me a debt validation that includes a contract or official document that has my signature from the credit card company stating I am the bearer of the debt. I also will need to be sent the official or government document stating Portfolio Recovery Associates LLC is the legitimate owner of the debt. They must also include their license # that allows them to collect debt in the state of California and the license numbers of Virginia where they are stationed. Lastly, I will need all the information about the debt including how much it was purchased for. If Portfolio Recovery Associates LLC is unable to provide this proper debt validation within a 30-day window then they must remove the collection from all three credit Bureaus as is my right under the Fair Debt Collection Practices Act. ( FDCPA ) If they refuse to do so I will have no choice but to sue them for the XXXX penalty for infringing my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX  company -Procollect XXXX XXXX XXXX XXXX My account was never supposed to go to collections. I was on a 90 day payment plan after I moved out of my apartment XXXX XXXX. I made my first payment of {$100.00} on XX/XX/XXXX. I made my final payment of {$400.00} on XX/XX/2022. My total balance due was {$500.00} This error has affected me renting an apartment due to fact of it being on my credit report. Ive submitted paperwork to ProCollect and Ive spoken to XXXX XXXXXXXX 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 2023-04-18
Company: AFNI INC.
State: FL
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:
Afni, a subrogation  department, has been contacting me for the payment of {$35000.00}. According to Afni, I owe this money to the insurance company XXXX due to a traffic accident, but they haven't been able to provide an explanation of where this amount comes from. They also discussed a possible driver 's license suspension, which I consider a threat. It is worth noting that XXXX hasn't personally contacted me regarding this. On the XXXX of XXXX, I sent a letter to Afni by certified mail asking for these details, but they sent the same initial letter with no answer to what I asked for. This has been causing me a lot of stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23
Company: JPMORGAN CHASE & CO.
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Chase Bank put a negative mark on my credit for missing a {$35.00} annual fee. I have been a customer for 10 years. I never heard from them regarding this. Not to mention that I had paid this fee for over 9 years. I never missed a payment, always paid on time, in fact paid the account in full prior to this. The best part is that they waived the fee after non payment and closed the account without me knowing any of this. They said that they sent me notices, yeah to an old address on file. I updated my address multiple times, but their website is very difficult to use. I have been in to the branch twice and they have told me how difficult it is to work with their own folks. I did n't know this was being reported to the credit company until after it was done, I am trying to buy a house and this is causing problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26
Company: Navient Solutions, LLC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Department of Ed/Navient Navient Solutions Sep of Ed/XXXX/XXXX Account was actually opened on XX/XX/2008 accounts have been closed I need to remove it out if my report if they are multiple closed accounts when it was only one opened. 
This account has been taken over by XXXX XXXX. I'm a single parent and this impacting my credit score which I'm trying to improve. I don't see why it should continue if Accounts have been CLOSED

Company response to consumer: Closed with explanation