BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-13
Company: Ability Recovery Services, LLC
State: CA
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:
In XX/XX/2016 I enrolled for a program through XXXX XXXX for XXXX tech when enrolling they stated I had 30 days to cancel. Before my 30 days up i called and stated I was no longer intrested in the program and asked if it culd be cancelled and the represenative stated that it was ok. So I left it was that.. and a year later come to find out the account was sent to collections, first I went through one agency then later that was removed from my credit report which was a relief because I had told them to cancel it. But now its showing up on my credit report through a now diffrent collection agency who kepts reporting om my credit. The name of the agency is " ABILITY RECOVERY SERVICES , LLC. The original creditor is XXXX XXXX ... I do not have account info becuase i disgarded all the paper. APPRECIATE YOUR ASSISTANCE!! 
email address is 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 explanation
Consumer complaint received 2018-02-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent out a notice asking portfolio recovery associates to validate the debt they are trying to say I owe, I specifically asked for them to provide me with my signature where I agreed to pay the creditor, however they in return only sent me a copy of a bill without any validation

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
When I found about this account on my credit report, I contacted the company immediately to find out for what the account was. They told me it was for a remaining balance with XXXX XXXX. I never received any notification about any outstanding balance with that company. When I asked if they sent any letter to informed me about this pending balance, they said they sent a letter to a address that I didn't lived there for more than 3 yrs. I agreed to settled this account even if I wasn't sure that I actually owned that balance because was affecting in my credit report and I was told that if I take care of the account they will removed this collection account from my credit report. I paid immediately the amount that they requested me to settled this account because they guaranteed me that the account will be remove it immediately from my credit report. This was stated on a recorded line. I feel this is an unfair for me because it is causing me a financial hardship because I'm having a lot of issues trying g to qualify to buy a home and if I were able to qualify I'm going to end up having to pay a higher interest rate on a mortgage, also I feel like it is a UDAPP violation because I feel fooled by this company because it look that they just lied me on that time offered me false promises to remove the account just to collect the money for that debt. I've contacting the collection agency and XXXX  to dispute this account on the credit report but I haven't been received any response or been successful in resolve this matter. This account needs to be removed ASAP from my credit report since I was told that will be removed from my credit report making the payment that I made on that time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
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:
I enrolled my credit card debt with a company called XXXX XXXX XXXX and two of my credit cards are with Capital One. Capital One closed my accounts and accepted the written proposal and deal from XXXX XXXX XXXX for a set amount each month. By accepting this deal it wipes out any past due amounts and reduces the interest rates and fees that allows me to get the credit cards paid off within a 3.5 year period.

Capital one keeps sending me notices stating that i owe 400.00+ on one card for the monthly payment and then 350.00+ for the monthly payment for the other one. This is incorrect and I feel that Capital one is trying to report me to the credit bureaus as late each month even though they have received their payments from the XXXX XXXX and this practice is just unprofessional and bad. They accept a deal but then try to collect more than they accepted.

This company is proving to be dirty and bad and as a consumer I need the CFPB to step in and make this company abide by the deal that they accepted. I could have simply stopped paying on the cards and defaulted but I did not want to do that and now they try to treat me like this. They are in blatant violation of this agreement and they need to be investigated for it.

They have no choice but to report my credit card as current each month because they have accepted an agreement from XXXX  for a specific monthly payment and they have been receiving those payments each month. This is simply a case of a credit card company trying to extort more money from me outside the terms and conditions of the credit counseling group. They need to be held responsible for any and all incorrect credit reporting they are doing to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-18
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have submitted an identity theft report and I have disputed the account listed as XXXX with account number XXXX on my credit report for almost a year now as fraud. This credit reporting agency and the listed company continues to report this account on my credit report without an explanation as to why or obligation. Whenever I dispute this account, different information associated with the account is reported and/or it is removed and then put back on to my credit report which is illegal. This account is not my obligation and violates my consumer rights which include and are not limited to 15 usc 1681 b ( A2 ), 15 usc 1681ae, 15 usc 1692b, 15 usc 1681b, 15 usc 1692j, 15 usc 1692d, 15 usc 1692e, 15 usc 1692f. Each violation can be monetized. This credit reporting agency continuing to allow this account to report on my credit is also illegal and violates my consumer rights and I plan to now take legal action.

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 2023-08-03
Company: Experian Information Solutions Inc.
State: AL
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 noticed on my credit report that I have several unverified and unauthorized inquires that must be removed. I have contact Experian, XXXX, and XXXX regarding these unauthorized Inquires this would be my third time reaching out to them regarding the same matter. These are not my inquiries and according to the ( FCRA ). Legally these unverified and unauthorized inquiries must be removed. I've listed each unverified and unauthorized inquiries below for Experian, XXXX, and XXXX. 
Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2021-08-18
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I wrote directly to the US BANKRUPTCY bank in XXXXXXXX XXXX & was advised they did not report or furnish info to ANY BUREAU .. I then wrote XXXX XXXX regarding the issue & today XX/XX/21 I confirmed they have removed all bankruptcies from my file XXXX your report individually states you fraudulently obtained & published by your bureau. 
1. XXXX XXXX stole the info and didn't have a permisseable purpose to report it. pursuant to 1681b. ( 2 ) REMOVE MY STOLEN INFO REGARDING BANKRUPTCIES from your file

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
I requested my TransUnion Rental Screening Report and I received a letter stating that my birth date and social security number and copy of photo identification was needed before producing/providing said report. I submitted a generic form with my birth date and social security number and full name on it including a request/authorization in-print and any applicable addresses and I do not understand why I received the letter that I did. TransUnion REFUSED to give me my report when I know that they possess adequate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: Stearns Ventures, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mortgage was held by Stearns Lending in my wife 's name only. ( Both our names were on the house title. ) My wife passed away in XX/XX/XXXX and Stearns was notified. The mortgagor 's name was changed to " The Estate of ... ''. I continued making the mortgage payments under this arrangement until XX/XX/XXXX when I bought the loan from Stearns. Stearns sent a check to The Estate of in the amount of {$1000.00} which I believe was a refund of funds impounded for property taxes. I spoke with a Stearns representative on XX/XX/XXXX and asked that the check be reissued in my name. The rep was to send an email to their Escrow Department. A month passed and there was no communication from Stearns. I called again on XX/XX/XXXX and spoke to another representative. She acknowledged my previous call about this issue. After she consulted with a supervisor, I was told that the check could not be reissued in my name since I was not the mortgagor. She said that the loan was not assumable, which is true. I asked what would happen to the money I paid for property taxes and she did not know.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: Experian Information Solutions Inc.
State: SC
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:
Had a past-due balance in XXXX, paid the past-due balance. I am in the process of obtaining a mortgage, need the information updated. Lender will not update, they said to dispute and the account would be updated. I disputed with Experian, Lender sent updated information. Experian did not update XXXX account. I confirmed with XXXX updated account information was sent. Several disputes have been filed over the last 3 weeks and even a rapid rescore with a current loan statement and backup payment history provided by XXXX. Experian refuses to up account. My mortgage will be denied due Experian not updating the file. It's has been a long battle working with several different experian reps one was down right rude and insulting and refused to let speak with her supervisor and another who to call XXXX while I was on hold, left e on hold for 25 minutes and hung up. I have attached backup documents that I submitted and Experian will not update.

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 2020-05-09
Company: ONLINE Information Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After selling a house I went in person to pay XXXX XXXX what I owed them. I never received any other correspondence from them other than non-descript emails about the arrival of my monthly e-bill. I had never signed up for an online account. A paper bill may have been sent to the house, but I no longer owned the house. 

A few months later I received a " robo call '' that sounded like spam. I recieved two more, in about monthly intervals and realized it was the same one so stayed on the line longer and found out it was a collector. I paid the bill. 

I did not realize this was put as a derogatory mark on my credit until recently when attempting to purchase a home. After several calls and emails with XXXX, they refused to remove the mark on my otherwise clean credit history. The mark in question is halfway down page 4 of the attached document. 

The collection practices used ( non-descript emails that said nothing specific about owing money and robo-calling ) were unbecoming of a reasonable institution and a clear example of sloppy over-automation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-18
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have put in a compliant about a month ago in regards to how Mr. XXXX  ( Navient Solutions ) has called many of my family members before contacting me in regards to my loans with them. Today I have received a call from Mr. XXXX at XXXX. I called him back at XXXX, even before I could get a chance to give him a call back ; he had already called one of my family members before I could give him a call back. This has been an ongoing issue and is very frustrating. I am tired of dealing with Navient Solutions. They want their money but not willing to work with the individuals. They also call everyone in your family before giving the person who is responsible for the loan to call them back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18
Company: TRANSWORLD SYSTEMS INC
State: WI
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
After Graduation from University of XXXX in XX/XX/2007, I received a phone call late at night and was advised they were holders of my Student and Private Loans and need to consolidate. ( I do not recall who the company was that said they were the holders of my loan ) They Gave me 2 options for payments, which I didn't really understand what was going on. XXXX and XXXX then started sending me statements and I have since always made a payment of the total payment, if I couldn't pay the amount I have always sent {$100.00} or more to keep in good standings. I have recently found ourselves over extended and other financial occurrences in our life have taken a toll on our finances, in which I am trying to resolve. XXXX options of assistance after forbearance is not something I can financially satisfy at this time. I have continued to send $ 100- $ 200 month. However they have placed my loans in default and now I am being contacted by XXXX XXXX XXXX who tell me they are the collectors for XXXX XXXX XXXX XXXX XXXX XXXX. They too are unwilling to work with me on my payments or accept a minimal monthly payment. I have to pay at least {$2800.00} to get me out of default and then {$880.00} mo. If I could pay that I wouldn't be in this situation. My other options is to pay {$5000.00} down and $ XXXXmo for 60 months and then deal with increase of payment at the end of 60 months. They have denied me origination paperwork of loans being sold to them or my signature of agreement. This company is ridiculous and hounding and no assistance with working with their customers. I had {$100000.00} in loans for my education in XX/XX/2007, I currently have around {$60000.00}. They are threatening me, because it has been 30 days since they have been in contact with me that they are going to garnish my wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: SYNCHRONY FINANCIAL
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Credit limit changed

Complaint:
I have had a credit line with Synchrony Bank via a PayPal Credit account associated with my PayPal account. PayPal provided this line of credit to me in XXXX ( I don't know if and when they began the relationship with Synchrony ), and my credit limit increased over the years to {$3400.00}. 

Never in the history of this account have I made a late payment or missed a payment. 

During XXXX, a loss of income forced me to use this credit line to the limit. I continued making regular monthly payments. I never missed a single payment. 

On XX/XX/XXXX, I sold my home and paid the outstanding balance on this credit line in full. It has remained at a {$0.00} balance since that time. 

Two months after paying off this balance, I received a letter dated XX/XX/XXXX from PayPal Credit c/o Synchrony Bank, that began with, " After a review of your account, Synchrony Bank has decided to close your account. '' One of the items cited as reason for closing the account was the information they gathered from my credit bureau report. Then they wrote, " While the date of the credit score may not be recent, your score has likely not changed significantly since this date. '' When they wrote this my credit score was XXXX, according to XXXX XXXX  FICO 8 formula. However, after I lost {$3400.00} of available credit and had an account closed by the provider, my credit score dropped again all thanks to Synchrony Bank.

No one from this company or PayPal ever called me, emailed me, or requested any information of any kind before this obviously automated decision.

Funny that this occurred in the middle of the COVID-19 shutdown, and that I am underemployed and might actually need this credit to purchase food or other necessities. Not only did Synchrony Bank not offer any relief, they actually punished me for using my credit line and making every single payment on time and paying the balance in full!

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 2020-06-25
Company: Cascade Capital, LLC
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:
Upon checking credit, noticed a new collection added as of XX/XX/2020. Company ( XXXX XXXX XXXX XXXX ) is unreachable, as well as the alleged original creditor ( CASCADE CAPITAL LLC ). I have never done business nor received loans from this entity. The amount they have attempted to collect is {$4100.00}. I also noticed that they inquired in XXXX, and then placed a collection for the amount on my credit with a date of XX/XX/XXXX ( less than 60 days after initial inquiry ). Bothcompanies are Colorado based and can not be reached via phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: First Data Corporation
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/2018 XXXX XXXX is trying to charge me for a returned check fee that was drafted out of my checking account for a check that was written to XXXX No XXXX. I tried explaining that the returned check charge had already been paid and the lady argued with me telling me that it was my bank charging me. I continuously explained that it was not my bank and the lady told me it would not be removed and I would have to pay it again. I have a bank statement clearly stating the payment to XXXX for a returned check charge of XXXX and the one from my bank in the amount of XXXX. I am getting multiple calls everyday even after they have been told not to call me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-18
Company: NCS, Inc
State: IA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In XX/XX/2018, I had sent the collection company a letter to Validate an account that was appearing on both XXXX  & XXXX credit reports. I had disputed this account with the credit bureaus on numerous of occasions only to get back responses that the account has been VERIFIED but like I mentioned they never VALIDATED the account. The collection agency sent me a copy of a judgment which I wasnt aware of, they never sent me nothing via usps mail stating that they were attempting to collect this debt & lastly I DIDNT receive anything from them stating that they were suing me. After they sent me the copy of judgment is when I searched court records to verify that in fact they not only got a JUDGMENT on this account but that they are also enlisted this very same account as a COLLECTIONS DEBT with the 2 Credit Bureaus listed earlier in my statement

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05
Company: RentDebt Automated Collections, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX have never been notified of this debt. This debt is not owed to me.

Company response to consumer: Closed with explanation