BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent this company a notice of dispute via certified mail, with a confirmed receipt date of XX/XX/2023, at exactly XXXXXXXX XXXX  local time. This company is obligated by the FCRA and the FDCPA to respond to my formal dispute within 30 days of receipt. On the XXXX day, I had not received competent evidence, bearing my signature, of my legal obligation to pay this debt. So I sent them a second letter explaining my right to remove of this inaccurate and unverified debt from my credit reports. They eventually sent an account summary to a random financial institution ( well after the XXXX window required by law ). I DO NOT RECOGNIZE THIS ACCOUNT. A printout of a random account summary from a financial institution I have NEVER conducted business with does not constitute verification or prove the debt was authorized by me. Much less does it prove any contractual obligation I have to pay anything to this third party company. Not only do I not recognize this account, but I also never authorized ANY debt to be sold to ANY third party in the first place. 

This company is in violation of the FCRA and the FDCPA. Here are the reasons : - They have failed to verify this alleged account within the 30 days required of them by federal law. ( I have competent, and date-stamped evidence of this ) - They have continued to report an item they know they can not verify as accurate on my credit reports, despite being unable to provide me with competent evidence, bearing my signature, of my contractual obligation to pay them. 

- I never authorized ANY debt to be sold to ANY third party. Not only are they unable to verify the alleged account as accurate, but this company is also attempting to collect a debt I most certainly never authorized to be sold to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: CAINE & WEINER COMPANY, INC.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Caine & Weiner collection agency reported as past due a payment debt on amounts not owed. I believe they purchased this debt from XXXX XXXX for stem cell storage services that we cancelled in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
In 2019 I became a member of XXXX XXXXXXXX XXXX. I chose a NON-renewable membership. Within the last two months, XXXX, thru Capital One Bank, has opened a line of credit in my name without my permission, and has entered amounts in excess of {$250.00} as charges against that account. I have received a card that I have not activated, and been billed by Captal One for a past due amount, with a treat of late payment charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XXXX and Transunion are reporting incorrectly that I am 120 days past due on XXXX XXXX XXXX - partial account number XX/XX/XXXX. ( Please see page 2 and 3 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-03-11
Company: PNC Bank N.A.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XX/XX/19 XXXX through PNC Bank {$290.00} to XXXX Reached out to PNC Bank, they won't reverse nor even assist. 
Requested the amount back from XXXX failed to comply.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-20
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have been victimized by identity theft.I reviewed a copy of my credit report and XXXX XXXX XXXX  ran an unauthorized credit inquiry on me on, XXXX. 

I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact XXXX XXXX XXXX  and investigate such occurrence I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. I sent them a copy of the Police report from the XXXX Sheriffs Office in conjunction with my CFPB Report my dispute letter and lastly my Identity theft report with the Federal Trade Commission Certified mail on XXXX TRACKING # XXXX Due to the incompetence of EQUIFAX the unauthorized inquiry is still reporting. XXXX and XXXX have both deleted the unauthorized inquiry but for some reason EQUIFAX refuses to adhere to the Fair Credit Reporting Act.In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 Account name : XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: EQUIFAX, INC.
State: IL
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:
In accordance with the Fair Credit Reporting Act displaying the address, XXXX XXXX Ct XXXX, IL XXXX and XXXX XXXX XXXX XXXX, IL XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: PNC Bank N.A.
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/2021 XXXX sent a loan payoff check to the address given to me by BBVA. The BBVA representative apparently gave me a PNC address ( which they are currently completing a merger ). The check went to a PNC location, XXXX XXXX XXXX, XXXX, PA XXXX and was signed by an XXXX XXXX. XXXX is saying that PNC cashed the check. The payment was never applied to my BBVA account. BBVA opened two investigations and can not find the check, which I've sent them a copy of with information about it being cashed. PNC says they have no record of my check and can't access my account because they haven't completed a system merge. I can not get in contact with the PNC location that the check physically went to. XXXX can't perform a stop payment and reissue the check to BBVA because PNC has cashed this check.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: Ditech Financial LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was laid off from my job, I applied for a Modification was denied and was told that I couldn't apply for an modification until XX/XX/XXXX ... Applied in XX/XX/XXXX was denied stating that I didn't make enough money, applied for an modification again in XX/XX/XXXX it was denied stating that someone in the has to be disabled, Applied for a modification again XX/XX/XXXX showing that my child was disabled and that I receive money for her disability call every week for 9 months on the status of the modification and have been getting the run around ... Last week XXXX XXXX a man was banging on my door screaming that he had legal documents to give me ... .it was documents from the courts that the mortgage company is foreclosing on my home less than two months from today. Also on the papers it stated that they filed against me on XX/XX/XXXX why did I receive the paperwork without an envelope on XX/XX/XXXX. This just can not be right. My home for XXXX years is about to be taken from under me and I just do not know what to do at this point.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a debt validation letter to Transworld Systems , Inc requesting to verify two debts in the amounts of {$450.00} and {$63.00} that do not belong to me on XX/XX/2020 and the company has failed to validate my debt. Instead they sent a list of my medical records on XX/XX/2020 which I know is a direct violation of HIPAA regulations. I never signed a HIPAA form authorizing them to have access to this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
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: Information belongs to someone else

Complaint:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

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 2018-10-03
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Experian is reporting several accounts that are not mine. They are the only ones reporting them and they keep claiming they are valid when I dispute them. Yet they absolutely ARE NOT MINE. So I demand to know how they are verifying it because this is Fraud or a mixed file due to my name because this happens often. I am tired of them claiming its valid when they are not even truly investigating it.

XXXX XXXX XXXX XXXX XXXX - I do not owe child support! I have my kids and have always had them. I am a single mom. I do not owe this and its not mine!

XXXX - XXXX - I CURRENTLY HAVE XXXX  FOR YEARS!!! THIS IS NOT MINE!!!!!!!!!! THis just got placed on my credit recently and I never received notices or anything because it is not mine!

XXXX XXXX - XXXX - I CURRENTLY HAVE XXXX FOR YEARS!!! THIS IS NOT MINE!!!!!!!!!! THis was also just placed on my credit by this company! How can I have all these XXXX  collections???? OMG!!!! it is not mine!

XXXX - I CURRENTLY HAVE XXXX   FOR YEARS!!! THIS IS NOT MINE!!!!!!!!!! I haven't had 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 2023-03-20
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding your failure to provide proof of reinvestigation in response to my dispute. 
On XX/XX/2022, I submitted a dispute to your company regarding XXXX XXXX XXXX ( Collection ), XXXX XXXX XXXX ( Collection ) XXXX XXXX  XXXX XXXX ( Collection ), XXXX XXXX XXXXXXXX ( Collection ) and XXXX XXXX ( Collection ). As part of my dispute, I requested that you reinvestigate the information and provide me with proof of the reinvestigation, as required by the Fair Credit Reporting Act ( FCRA ). 

However, despite multiple requests for proof of reinvestigation, I have yet to receive any documentation from your company showing that you have completed a reinvestigation of the disputed information. This failure to provide proof of reinvestigation is a violation of my rights under the FCRA and has caused me significant harm and financial loss. 

I am requesting that you immediately provide me with proof of reinvestigation for the disputed information, as required by law. Additionally, I request that you remove any inaccurate or incomplete information from my credit report and take any other necessary steps to ensure that my credit report is accurate and complete. 

If I do not receive a satisfactory response to this complaint, I will be forced to pursue legal action to protect my rights under the FCRA. 

Thank you for your attention to this matter.

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 2020-12-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2020 I purchased a food chopper from Kohl 's using my Kohl 's credit card. It was supposed to be delivered sometime between XX/XX/XXXX and XX/XX/XXXX. As of today, XX/XX/XXXX, it has not shipped. 

I have been trying to cancel the order for weeks. Several times chat agents and their supervisors have assured me that they have credited my account, but they have not. 

I received my bill yesterday and the charge is there. 

I have tried repeatedly to get them to remove the charge and while they promise to do so, they have not. 

It is not fair for me to pay for something I never received.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-03
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I XXXX XXXX received a letter from XXXX XXXX dated XX/XX/18 stating that I owe them a debt of {$680.00}. 

Furthermore they are admitting that they bought the debt from another agency named XXXX XXXX. I have no knowledge of either of these companies and I'm positive that I don't have a contractual agreement with either of them to pay them any amount. 
I fully believe that this is not my account or is a case of mistaken identity. 
I also request full validation of the debt from XXXX XXXX. 

Either way I'd like this account immediately and permanently " deleted '' from any credit bureaus or reporting agencies as I am positive that my rights are being violated. 
Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
XXXX XXXX HAS ERRONEOUSLY REPORTED ON MY CREDIT A COVID RELATED DEBT THAT IS COMPLETELY OUT OF MY HANDS. 
THEY HAVE RECEIVED THE REFUND VOUCHERS FROM THE AIRLINES BUT HAS FAILED TO ACKNOWLEDGE THEY HAVE RECEIVED A REFUND. 

THEY HAVE REPORTED ERRONEOUSLY PRIOR TO INVESTIGATION ON MY CREDIT REPORTS AND DESTROYED 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 2018-10-03
Company: SYNCHRONY FINANCIAL
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
The XXXX XXXX XXXX credit card company is blocking me from accessing and using my personal financial information with external applications such as XXXX and XXXX. This is my personal financial data and I have a right to Grant access to it to these applications or anyone I wish. XXXX XXXX XXXX just needs to provide a way to do so.

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 2023-03-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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:
I had a secured card with Bank of America, which had card insurance for the event that I became XXXX or loss my employment. Both adverse events happened ; XXXX XXXX XXXX XXXX  XX/XX/XXXX, and went on short XXXX in XXXX of the same year. The card insurance wasn't initiated, and I continued to pay the credit card timely monthly for as long as I could. My credit card limit was {$2000.00}, which was secured with a BOA {$2000.00} saving account. When I became deathly ill with XXXX XX/XX/XXXX, my ability to pay changed but I struggled to continue to pay the card. XX/XX/XXXX the card closed and BOA used the {$2000.00} saving account to address the outstanding credit balance. Subsequently they have actively sought recovery efforts to collect {$200.00} in late and interest fees they state weren't satisfied with the saving account, although the account was over XXXX years old and should've had high yield interest. In addition the credit card insurance should have been applied as per my request when I became XXXX and XXXX XXXX XXXX which affecting my ability to pay and covered these extenuating circumstances. I have attempted to work with BOA for months w/o resolution despite my best attempts.

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 2023-03-20
Company: MOHELA
State: OR
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:
My loans were consolidated and transferred to Mohela in XX/XX/XXXX. I uploaded XXXX ECFs in single XXXX page document on XX/XX/XXXX. On XX/XX/XXXX I was informed that I only had XXXX XXXX eligible payments and XXXX qualifying payments. I called to request an application review/recount as I had well over XXXX qualifying payments at that time. On XX/XX/XXXX I received a letter from Mohela which stated I had XXXX eligible payments but only XXXX qualifying payments and the website currently shows my XXXX application review request was cancelled. It is clear they failed to process one of my ECFs qualifying my employment as a federal employee from XX/XX/XXXX to present and have not given payment credit for those years of qualifying employment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: CL Holdings LLC
State: AL
Product: Credit reporting, credit repair services, 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:
On XXXX XXXX Jefferson Capital Systems , LLC added a derogatory mark on my credit profile per XXXX XXXX XXXX $ XXXX, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor creditor did not verify collection. Also, there was NO written form of communication for contract or signature for this accused debt at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: Genesis FS Card Services, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX, I contacted Genesis FS Card Services to address an error on my credit report. Despite having made a payment of {$120.00}, they reported an incorrect balance, causing my credit score to drop and leading to my denial for a rental home. After an escalated call, it was determined that there was a payment glitch on their end, but they were unable to provide a resolution at the time. A subsequent call on XX/XX/XXXX to request assistance from a supervisor was unsuccessful, as they were unable to provide a manager and instead requested a 3-5 day callback. The reported error has caused me significant financial harm, including the loss of a {$100.00} rental application fee and the inability to secure a home to rent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
The credit bureaus are reporting an alleged debt on my credit from the department of education. I have reached out to XXXX after disputing with the credit bureaus to ask them to remove it and they " verified '' it. However, they did not " verify '' it as XXXX contacted me via mail and they have removed the debt collection as it was unable to be verified as 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