BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-04
Company: Resurgent Capital Services L.P.
State: FL
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 SOC SEC # XXXX DOB XX/XX/1988 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX TODAYS DATE:XX/XX/XXXXLVNV FUNDING LLC 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 resulted 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 LVNV FUNDING LLC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In XXXX XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1988 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: ERC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I just turned XXXX in on XX/XX/2017. I wanted to start building credit and i noticed that I have a collection account on my credit report being reported by ERC. I never had any accounts to have a collection I was a minor! 

I don't know why this company has my name but I have no knowledge of this account. I was never given any notification of this account but it's been reporting for years and my credit is being damaged before i could even have credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: PLAZA HOME MORTGAGE, INC.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a refinance loan for a lower rate and to pull equity out in XX/XX/2020. I have turned in every document I was asked and have been passed through no less than 5 different processors and as of XX/XX/2020 I still have not received money. In fact, I just got off the phone with the latest processor and she said it will be two more weeks minimum.! PH Loans XXXX!! 

I want to file a complaint due to the long delay in processing my loan. I am aware of the pandemic and it's effects on the process, but it should not take more than 6 months to process my loan. I am a XXXX veteran and I need that money. PH Loans is responsible for my nightmare.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Looking over my credit report and noticed there was an account that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following account is listed below : 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, PORTFOLIO   RECOVERY  # XXXX, PORTFOLIO RECOVERY # XXXX, XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
On XX/XX/XXXX an account was opened and i was approved for {$300.00} credit limit. XX/XX/XXXX I order a cease and desist and a letter to verify who is the original creditor, but I received no response. I also sent an sent an invoice with federal law violations that target violated and never received a response. Also my card is froze and unauthorized information has been added to my credit report. 15 U.S.C. 1681b ( 2 ) states that consumer reporting agencies shall not report any information unless the consumer gives written instruction to do so. I haven't given any written consent to report anything positive or negative on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
These are not my accounts. This is a second request. Please remove them. I am not a mortgage company nor am I a credit person. Thank you.

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 2018-09-22
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
We already have a claim in progress # XXXX but in reviewing and notifying from the attorney general that the statue of limitation in Texas has expired for this type of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: Synovus Bank
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
XX/XX/2020, XX/XX/2020, XX/XX/2020 I wrote company in XX/XX/2020 about my financial Hardship -supplied my companies layoff letter for proof, the company insisted in making late payment marks instead of lowering anything, I recently requested a Amendment, I've paid over 85 percent on time with company. This would have never happen, however people are getting laid off globally - Company refused my amendment. I've made my payments, compromised during the corona-virus pandemic and layoff times. Please correct these Report Marks at least. - The account is paid in full at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
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:
This was an amount placed on my report due to a health club not allowing it's customers to cancel their memberships. 

I cancelled this account on XX/XX/2016 in person at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX When I told them i was cancelling my membership they said I can not do this in person, and I needed this in writing. I was not happy that they allow you to sign up in person but refuse to allow you to cancel your membership in person. 

I told them this was not above board and may be illegal. I went home and brought back a signed and dated document that stated I was enjoy my membership of lifetime. Since this was a month to month agreement I told them to not charge me beyond 30 days of this date. The front desk employee told me that her owners stated that there had to be a verification system through a third party vendor to cancel my subscription. I asked for this information. They said you can not call them, you can only email this information. 

I said let me get this striaght, I can not cancel this in person or in writing and the only way to cancel this is to email this third party service? 

I emailed the third party service many times and they never returned my emails. I spoke to others who had the same problem with the same company. 

The owners kept trying to bill me and then sold this debt to PROCOLLECT at XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, Texas XXXX I presented this to the original creditor and they agreed with me. They said they changed their protocol and cancellation policy due to the overwhelming number of complaints. But PROCOLLECT continues to robocall me every day.

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 2020-05-28
Company: WELLS FARGO & COMPANY
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 information incorrect

Complaint:
Wells Fargo will not accurately report my credit card balance and are suppressing my credit score and inflating my debt to income ratio.

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 2022-01-05
Company: Chrysalis Holdings LLC
State: TN
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have paid my home mortgage in full, I received a letter saying that it is paid in full, on XX/XX/2021. Later in the month I received a phone call stating I still owed {$150.00}, because I had to stop payment on a check. I asked if the {$150.00} would take care of everything. I was told it would be a XXXX XXXX. Next I received a Partial Claim Agreement to be notarized and returned to New Day, for a Hardship Loan. I called the number XXXX, someone stated I owed {$30.00} fee. I questioned that because I was told, the {$150.00} was all that was outstanding. 
I asked to speak to a supervisor, but was not allowed to speak to anyone. 
I called back later in the afternoon, spoke to XXXX XXXX. She said she considered the loan paid off, I had a letter stating that and to disregard the Partial Claim Agreement. 
After that a XXXX XXXX called about the Partial Claim Agreement, about mistakes that may have been in the agreement, something to do with VA loans. I did not understand what he was talking about or why I received the Partial Claim Agreement, since I considered my loan to be paid in full. 
I called New Day to follow up with someone, I talked to XXXX XXXX XXXX, she again stated there was a {$30.00} outstanding fee. I would pay the fee if that was the only thing owed. She put me with XXXX XXXX XXXX to pay the {$30.00} fee. I was not able to pay the fee. XXXX XXXX XXXX, New Day, I. XXXX XXXX XXXX, phone number XXXX. He confirmed that I tried to pay the fee of {$30.00}, but was not allowed too.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: NCB Management Services Inc.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX " XXXX? " from XXXX XXXXt ( XXXX XXXX ) services keeps calling my cell phone and leaving messages regarding a debt for my wife. I do not have a message identifying who I am on my voicemail, yet XXXX continues to identify himself as a debt collector and that he is trying to collect on my wife 's XXXX XXXX account. He has threatened legal action over voicemail, which couple with the blind identification of himself as a debt collector to a party who has not identified themselves, is a direct violation of the FDCPA. Although the debt in question is a valid one, it belongs to my wife and I have never been authorized to discuss or deal with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for a loan modification three times starting in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, and was never aproved..I was never informed as the reason, I called them every month to let them know that it was getting harder for me to make payments since my wife had lost her job.InXX/XX/XXXX JPMorgan Chase sent me a loan modification and asked me to sign it, even thou I didnt like the content of the loan they added XXXX to it so I signed it, because they told me over the phone that if I didnt sign it they would start forcloser procedings.At no time has JPMorganChase Taken any action to resolve this

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
These are not my accounts. This is a second request. Please remove them. I am not a mortgage company nor am I a credit person. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Began receiving calls on or around XX/XX/XXXX. They left voice mail msgs w/ a case number ( XXXX ). When I called back, they said it was in reference to a delinquent XXXX XXXX credit balance {$230.00}. I explained I've never had an XXXX XXXX credit card. After more calls, on XX/XX/XXXX I contacted XXXX XXXX 's credit services dept, which is handled by Synchrony Bank and they informed me the account was opened more than 10 years ago. Once again, I told them I never opened an XXXX XXXX account. As a result, they started a fraud investigation. On XX/XX/XXXX I contacted the collection company and told my " case worker '' ( XXXX XXXX XXXX ) that Synchrony had opened an investigation. She became very agitated and said she didn't care and told me this was my last chance to take care of this before I was served with court papers at which time I would have to go to court to dispute it, and would then be on the hook for legal fees totaling 10 times the amount of the original debt. When I asked for the date of the debt, she told me it was charged off in XX/XX/XXXX. I reiterated that this debt was not mine and wanted to wait and see what Synchrony 's investigation revealed, but regardless, it was more than 4 years old, which is beyond the Statute Of Limitations for collections in California. She again became  angry and said she didn't know why I kept bringing up Synchrony Bank as she doesn't know or care what that is and that they were going to move forward with legal proceedings against me regardless of any investigation into the matter. I strongly considered just paying it since the amount was relatively low, and filing a reply in court to dispute it would cost about as much anyway. However, every time I asked for documentation to be sent or emailed to me before I made payment, she refused. Additionally, XXXX XXXX XXXX did give me her direct number and extension, which was a XXXX number in XXXX XXXX, CA., however, when I asked for her company 's name, she said it was " In House Processing '', which - when searched online while I was on the phone with her - doesn't seem to be a valid company name. When asked if she was with a law firm or if the company had a different name or, for example, the name of the company that appears on her paycheck, she began yelling that she would see me in court and hung up.

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 2018-07-11
Company: Experian Information Solutions Inc.
State: MD
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:
My wife and I submitted a request to XXXX and Experian over two months ago, asking them to investigate errors on our credit report. They are supposed to respond within 30 days, but they have not.

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 2019-10-22
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
Can not make payments, due to medical issues. Filed paperwork for deferment & the paperwork was never received by the company. Is not able to work, due to health.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Company: Experian Information Solutions Inc.
State: WI
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:
Experian credit Bureau has several Hard Inquires on my report that I did not apply for financing or inquire about credit. I contacted Experian and they informed me that Hard Inquiries on credit report can not be disputed. Hard inquiries that I did not approve include : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX PA XXXX XXXX MD XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX , TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX  DE XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and 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 2020-05-14
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
I have numerous disputes with usaa. I have 2 cards the biggest issue is with a XXXX charge. The original hold was for around {$180.00} in XXXX. They then allowed me to be charged 2600+ to my card with a limit of XXXX. Im now in the hole {$4500.00}. This is on 2 cards each with only {$1000.00} credit limit. As you can imagine this tanked my scores. Ive been trying to get them to dispute this XXXX charge and several others for months now. I can not get them to help me. I thought I was supposed to have some sort of protection as a user of credit cards. Usaa has taken every dispute and credit my account temporarily and then charged it back. The XXXX  charge should be the original hold no higher. The other charges I disputed were some fraudulent and some bad goods or services. Please get them to follow the law!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
There are fraudulent inquiries that I did not authorize appearing on my Transunion credit report that I request be removed immediately. I filed a police report, put a freeze on my Transunion report and a statement of fraud on my report and provided the police report and identity information to Transunion and there are new fraudulent inquiries appearing on my report. I PREVIOUSLY FILED A COMPLAINT : XXXX Transunion 's response was they had deleted the inquiries, which 2 are still remaining along with the new inquiries from other companies. Please delete these inquiries and follow the fraud alert I put on my report. I NEVER GAVE THESE COMPANIES MY INFORMATION OR AUTHORIZATION TO RUN MY CREDIT! IT IS FRAUD!!! A police report was filed, a fraud alert place on my credit report. I mailed in a copy of the police report and proof of identity including a copy of a government issued ID and Social Security Card and proof of residency including a utility bill. According to the Fair Credit Reporting Act these inquiries are to be deleted immediately. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: Experian Information Solutions Inc.
State: GA
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 sent Experian a letter asking for them to provide me with the method they used to verify an account on my report. My letter was mailed in XXXX and as of today I have yet to hear from them.

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