BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In accordance with the Fair Credit Reporting Act Portfolio recovery associates has violated my rights. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX states that limitations to collect a debt is XXXX XXXX. Portfolio Recovery has passed the statue of limitations to collect the debt. The statue started with XXXX with the date of XX/XX/2018 and refuse to show me a bill of rights sale. Then Portfolio Recovery changed the dates to collect and has not validated the debt. These companies has refused to remove these accounts from the last XXXX XXXX Portfolio has hired an attorney XXXX XXXX XXXX and both request compensation for a debt that has passed statue of limitations as well as never validating the debt. 
I did not receive a notice before the summons as well. They lack standing to collect the alleged debt. They violated the 15 USC 1692 which states There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy and 15 USC 6802 which states Except as otherwise provided in this subchapter, a nonaffiliated XXXX party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving XXXX party, disclose such information to any other person that is a nonaffiliated XXXX party of both the financial institution and such receiving XXXX party, unless such disclosure would be lawful if made directly to such other person by the financial institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12
Company: OneMain Finance Corporation
State: PA
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:
One main financial informed me that they would be doing a soft pull on my credit report and it wouldnt affect my score but I see that I have a hard inquiry from them and its actually negatively impacted my score and its still reporting which is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: HYUNDAI CAPITAL AMERICA
State: CO
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I have paid over $ XXXX to kia XXXX in down payment etc including the payment.. 
the payoff is XXXX I have totaled the car now they want XXXX XXXXXXXX and told me that all the money down for extra miles etc that i pre paid is not counting and the XXXX that i paid mean nothing..

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 2020-10-01
Company: Experian Information Solutions Inc.
State: NJ
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 submitted two separate disputes to Experian who have continued to report 2 chargeoffs with information reporting as late on my credit report with a balance. I included court documents showing that these balances were discharged several years ago yet they refuse to update the information. This is negatively affecting my credit score which I have been working to improve. 

I sent in certified letters to Experian who did not respond in the allotted 30 days.

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 2023-01-11
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: Account information incorrect

Complaint:
I have noticed several inaccuracies in the consumer report you have compiled in my name. 
You are reporting accounts with a charged off status. These accounts have been reported to the Internal Revenue Services as income by the alleged creditor. 

Please immediately remove the following accounts from my consumer credit report, as they are damaging to my reputation and should not be there, per the Fair Credit Reporting Act. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX : opened XX/XX/2021 ; XXXX XXXX  XXXX XXXX ; XXXX  : Opened XX/XX/2021 ; XXXX XXXX XXXX XXXX XXXX This complaint is being submitted by me, the consumer. I have attached a copy of my identification to verify this fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: Mr. Cooper Group Inc.
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX our mortgage was sold to Mr. Cooper mortgage company. Due to the coronavirus my husband and I have both been laid off. We phoned Mr. Cooper mortgage company and asked if they had any programs without penalty to help us. The only thing they could do was offer us a forbearance for 3 to 6 months after which all of the payments that were put off would be due at once. That would be impossible for us. They said that if we could not pay the money back we all at once we could do a mortgage modification. So in other words it seems to me that Mr. Cooper would charge us more interest and other fees and ultimately be making money off of people who are just trying to get back on their feet after this horrible horrible situation. Other banks are offering their customers forgiveness for several months or I should say 3 to 6 months mortgage payments and just extending their mortgage by 3 to 6 months on the back end. It seems to me that Mr. Cooper is looking out for themselves and not the well-being of their customers and their financial soundness so they can pick up where they left off once we get the healthcare crisis under control. XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX and XXXX XXXX  are all helping their customers in this fashion. Mr. Cooper mortgage company should be absolutely ashamed of themselves for the way they are treating their customers and I hope that the government penalizes them with no mercy. And by the way and I know this sounds totally unprofessional but what kind of a XXXX  name is Mr. Cooper for a mortgage company?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: TrueAccord Corp.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
HeyThis is an important message for XXXX XXXX. If you are not this person, please disregard and delete it. 
Email not displaying correctly? 
Skip to our message. 
Pay 50 % less than your full balance! 
Hello XXXX, We are TrueAccord, a third party debt collection agency that is working on behalf of XXXX XXXX XXXX XXXX ( current creditor of your original XXXX XXXX account ) to collect on a balance of {$300.00}. 

Our approach is to make the debt collection experience better for the customer by offering self-serve options online. We're even offering you a discount of {$150.00}! 

You can review the details of this balance below. 


View Your Options Here are the details : Current creditor : XXXX XXXXXXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX account ending in : XXXX Balance at Placement : {$300.00} Reduced Amount : - {$150.00} Total You Will Pay If You Accept This Offer : {$150.00} We are not obligated to extend or renew this offer. Nothing in this offer changes your rights as described in our initial email. 

This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. Nothing in this email changes your rights as described in our initial communication. 

Please read below for important disclosures. 


Copyright 2021 TrueAccord XXXX XXXX XXXX, XXXX XXXX, XXXX, KS XXXX XXXX Office Hours : M-F, XXXX XXXX  - XXXX XXXX  ET XXXX XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX TrueAccord account number is : XXXX Click here for more information about your balance Not ready to pay? Get help managing your debt. 
Unsubscribe Dispute this debt Privacy Policy Log in to your account The law limits how long you can be sued on a debt. Because of the age of your debt, XXXX XXXX XXXX XXXXXXXX can not sue you for it. In some states making a partial payment may revive XXXX XXXXXXXX XXXX XXXXXXXX 's ability to sue to collect the remaining balance. 

This was originally an account with XXXX XXXX , account number ending in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ATTENTION DISPUTE DEPARTMENT PORTFOLIO RECOV ASSOC XXXX PORTFOLIO XXXX-XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has res
ulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious PORTFOLIO RECOV ASSOC XXXX PORTFOLIO XXXX-XXXX  I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1989 ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-30
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/XXXX, I called Nelnet regarding interest that continued to accrue daily on my loans owned by the U.S. Department of Education following the XX/XX/XXXX executive order waiving interest. I wanted to ensure that an upcoming auto debit on XXXX would be applied only to interest that had accrued prior to XX/XX/XXXX and not to the interest that continued to accrue on my account after that. I was repeatedly told that there was no way to ensure this. I was told that the interest would still accrue in my account and that the interest rate would not go to zero during this period until XX/XX/XXXX. I was told that if I continued my auto debit than the payment would be applied to the interest that continued to accrue in the upcoming months, as well as the principal amount. When asked if I could ensure that my payment just went to the principal amount in accordance with CAREs Act and the executive order, I was told that this would be impossible. I was told if I continued to make monthly payments and only applied to the principal amount, then my loans would become past due. I was told at some indefinite time point, possibly close to XX/XX/XXXX, I would receive some sort of repayment of the interest that I continued to pay. I advised that it was my responsibility as the borrower to keep track of money that was going to the interest that continued to accrue of my accounts and ensure that it was included in the eventual adjustment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: Blackstad, Hrabe, Kirlorsky, LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a phone call on Tuesday XX/XX/XXXX at XXXX from XXXX XXXX who is the operations manager of BHK Financial . He told me on our phone call that " he can make 1 phone call to the attorney '' and legal action would ensue. I do not owe a debt to BHK Financial, and from his explanation, they are just a third party attempting to collect on behalf of someone else. The threat that he can make " one phone call to the attorney '' and legal action would ensue is very abusive and deceptive, as BHK Financial is not the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
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: Information belongs to someone else

Complaint:
I recently checked my credit report and noticed some inaccuracies on my credit profile. These inaccuracies have prevented me from getting approved for an apartment and now i am XXXX  and desperately need a place to stay. I am going thru an ongoing divorce and have lost everything.

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 2022-04-13
Company: Chime Financial Inc
State: CA
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:
On XX/XX/2022 I had all of my credit cards/ debit cards stolen from my wallet. I was at a park in XXXX XXXX with my fianc and children when our car was broken into and the thief went through my purse and took out all of my cards from my wallet. Purse was behind passenger seat and our car windows are very dark limo tinted so you can not see anything inside. Car doors were locked. 
I received a text from Chime bank on our drive home that asked if I was trying to make a charge of {$500.00} at a XXXX  in XXXX, I immediately replied no and the transaction was denied. I looked into my purse and saw my wallet still there so didn't think much more of it until I got home and looked online to see the thief did make a transaction for {$280.00} at the XXXX. I grabbed my wallet to get card out and call Chime right away and I realized ALL of my cards were stolen. I cancelled all cards immediately and was told by Chime that I had to wait until the transaction was settled before I could file a fraud claim. When I called to file fraud claim, I was asked a few questions and within an hour I received a response that my claim was DENIED. I was in shock and called back, they told me they didn't know why and I would have to wait for the investigation department to release that information so I could appeal decision. I waited for over a week and got no answer so I called again and they told me the person before didn't submit the ticket so they started over!! WOW. At this point, it's been over 2 weeks with no resolution. Finally last night I receive the reasoning and it makes no sense. My Chime card along with 5 other cards were stolen! I have never had this happen before and never filed a dispute with them. I have a police report filed as well. Chime has had the absolute worst customer service and I have already started getting my direct deposits into another bank account because I can't trust them with my money. No other company has given me such a hard time. Chime is acting as if I'M the criminal and they haven't backed me up at all. It's been such a hassle and I would never recommend anyone use this bank, your money is simply NOT SAFE there. It's already difficult enough going through all of this and the stress of losing a lot of money, Chime has made it way more stressful. I could maybe understand if it was a habitual occurrence and I had disputed charges in the past, etc but I've NEVER done that. {$280.00} for a mother of XXXX and XXXX  XXXX  XXXX  with XXXX child is a lot of money to just be taken away like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Since XX/XX/XXXX, I have attempted to resolve this issue with interest charges of XXXX months that are not due. This company has continued to give me the run around and keeps pushing the date further and further down the calendar. Now I know why - because they think they can push this issue off on another company- namely XXXX XXXX. Because of their incompetence, they have been fired by XXXX XXXXXXXX, and replaced with XXXX XXXX. I received a letter from XXXX Capital One stating that they are transferring my account on XX/XX/XXXX. Now I understand why Comenity Bank has been stalling for well over XXXX months to get the XXXX months of interest totaling XXXX in a check to me- this was reported to them on XX/XX/XXXX- they have gone way past the XXXX days they are allowed to look into and resolve this problem. They think that by stalling until that date, they can just transfer this problem to another company - a problem that they created and they need to resolve NOW - no more time should pass since they have already had over XXXX months to resolve the problem- but all they do is compound it! I have filed previous complaints with your CFPB and they just keep saying they are working on it. This is working on it - working to get it off their books, and burdening another bank with the problem they created. They sent me a XXXX  check and told me in XXXX that until I cashed that check, they could not send me the XXXX months of interest they incorrectly charged me- I cashed the check XX/XX/XXXX and it is now over a month, but they now tell me that they are still working to resolve the problem, which is a lie, because I have correspondence from them that they already resolved it - they credited my closed account and still refuse to send me the negative balance- which is the XXXX months of interest they owe me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
I am verry concerned I have been following my credit report for the last 3 months vigorously to improve my consumer report. Today I receive a notice that a collection has been added to my account. One that I have never heard or seen about. The original company is 12 XXXX XXXX now sold to XXXX XXXX. 

Please investigate this account as it says it was oppened XX/XX/2023. My Transunion has a fraud alert and so does my XXXX no one should be able to open this types of accounts without calling me. 

Theres is no account number listed on 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 non-monetary relief
Consumer complaint received 2020-07-29
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX Credit card paid off on XX/XX/XXXX. Was taking out loan with XXXX XXXX XXXX and this debt had to be paid in order to get loan. Therefore the amount of XXXX was paid to resolve this outstanding debt. Unfortunately a Midland Funding approx XX/XX/XXXX rcvd. Account records sold to them This is where the  injustice bean!!! I have attempted to reach them throughout the years to no avail. Now I find out reason is it was turned over to XXXX XXXX XXXX ( yes I just spoke with them ). And then on XX/XX/XXXX got court order frl. XXXX XXXX XXXX. To appear in court. I have been paying XXXX a month to XXXX for 2 yrs. I now found printed evidence from XXXX XXXX that this debt was paid!!! I made copy and sent certified mail! They say isn't enough proof! I have contacted all involved and they pass the buck. XXXX was.not even aware of XXXX XXXX. Therefore Midland Funding was not even one ta! ing me to coudt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account Name : WELLS FARGO CARD SER Account Number : XXXX Date Opened : XX/XX/2012 Balance : XXXX Reason : Identity theft Please remove it 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 non-monetary relief
Consumer complaint received 2023-10-24
Company: Nelnet, Inc.
State: UT
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I attend XXXX XXXX XXXX XXXX email by Federal loan to loan discharge sign by chief operator XXXX XXXX. It has not been discharged XXXX XXXX XXXX was a fraudulent and school closed due to lawsuit

Company response to consumer: Closed with explanation