BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-27
Company: Total Card, Inc.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To TCI TOTAL CARD INC I am writing this letter in response to the phone call/letter received from you on ( Date ). In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this a not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent Any Credit application that was used to open this account that you claim i owe with my signature attached

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31
Company: Lending Club Corp
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received 5 calls, back to back, on XX/XX/18. This morning, on XX/XX/18, I already received 2. I receive at least 3 phone calls every day from this number, 7 days a week, to the point that I had to block it in my phone. This has been ongoing for at least thirty ( 30 ) days now. 

I am making payments to a XXXX account on a debt and I am doing so diligently, and this is the only account I have with them. As I am making payments, there is NO need to constantly keep calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29
Company: Diversified Consultants, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid them back in XXXX in the amount of {$200.00}. om XX/XX/XXXX and then a payment XXXX XXXX after that I have not heard from them, then anther company called to try and collect on that same account and I told them I paid Diversified and Im not paying anyone else no more money on this account. so I have not heard from no one else since then. Then I pulled my credit as I do every year and Noticed that Diversified was reporting on my account in XXXX again after being deleted in XXXX. So I too action to dispute this account with all 3 credit bureaus one bureau has taken action however XXXX and XXXX I have been battling with them for 7 months with this. one account As well as sending a letter to DCI. get a letter from them that they no longer handle the account that it was returned to XXXX. after talking with sprint they have no knowledge of it, however I noticed that the agency Reference number changed. But its the exact same account the reference number they sent to the letter that they no longer handle account is the old account that I had paid them for now they trying to collect on same account with a different Reference number. 
They are trying to get paid off same account twice and Im a single mother living pay check to pay check trying to fix my credit and this company has made it a job stressing me out raising my XXXX XXXX the more.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-20
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My credit report had a collection placed on it from XXXX XXXX a couple of months ago. When this happened I immediately called them. This debt wasn't mine to begin with. I never owed XXXX money because I cancelled my phone and paid the early termination fees. But, they never cancelled my phone and it kept accruing a balance until I received a bill a few months later. I called XXXX to resolve at that time and they said it was fixed. So now, convergent places this on my credit and it's causing me all sorts of problems. So, I just settle the debt in order to avoid issues and pay them. They're supposed to delete the account but now it's still on my credit report. What a shame I paid a debt I didn't owe and it still sits on my credit report. They've sent me a letter stating that this debt is valid. See 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 explanation
Consumer complaint received 2019-08-30
Company: JPMORGAN CHASE & CO.
State: WI
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:
XX/XX/XXXX I rented a car from XXXX in XXXX XXXX XXXX wi. I had the car for a month and four days with a charge for {$210.00} per week. However, was charged XXXX for this car which is unethical being that I been renting cars for years. One agent told me it was a mistake the lady XXXX I spoke with today XX/XX/XXXX in the executive customer service told me Im responsible for this charge which was unauthorized and charged incorrectly. There was no physical damages dont go the car. I take responsibility for the cleaning gas and tow. being charged {$1000.00} a week is unheard of plus {$200.00} each extra day. Its been frustrating because I have been thrown under the rug for months regarding this matter. The bank institution I was banking with at the time was chase. I contacted them regarding this matter by mail and phone still nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
Company: EQUIFAX, INC.
State: NY
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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-27
Company: TRUIST FINANCIAL CORPORATION
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:
Regional Acceptance is reporting different last payment information on each credit report. Creditor is inaccurately reporting the last payments as being on XX/XX/XXXX XXXX XXXX XXXX XXXXnd, XX/XX/XXXX XXXX XXXX XXXX  The last payment I made on this account was on XX/XX/XXXX for {$650.00} via XXXX. Creditor is falsely trying to reset the debt statue of limitations for North Carolina by reporting inaccurate payment information and activity.

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 2018-06-20
Company: Specialized Loan Servicing Holdings LLC
State: NC
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/2016, I was informed that XXXX XXXX XXXX XXXX will have ownership of an unjustified debt that they claim I owe them. They never furnished me any documents from the original lender and assignees of the history and proof that they can collect on time-barred debt under the PA Statue of Limitations and FDCPA. 

I forwarded a debt validation within the 30 day period and both companies failed to respond within the time frame allowed under the Fair Debt Collection Practices Act. 

To date, I never contacted nor authorized XXXX XXXX XXXX XXXX nor Specialized Loan Servicing to pursue and force me into foreclosure when they can not fully, accurately, verify the debt in detail and all of the history of the alleged debt accusation. They have informed me via letter that thy are going to proceed with foreclosure actions should I not pay the entire amount owed within 15 days..normally a consumer under the FDCPA is given 30 days. This is another violation. In conclusion I never received a copy of the judgment against me.

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 2017-06-27
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX XXXX XXXX is reporting I had late payments in 2015. I printed out my statements and sent them in to them circling all the payments made from my account to them that year. I recently sent a complaint to XXXX and they corrected the problem. I am not sending the same documents to Experian so they can see the payments were made and remove the derogatory marks 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 2019-03-30
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I had scheduled mortgage payments using the ACH system. Wells Fargo ACH system did not pick up the payments until several days after I had scheduled the payments, which caused my bank account to be overdrawn due to Wells Fargo 's delayed process for ACH payments. I have attempted to propose and execute a payment plan which includes paying all further mortgage payments via Treasurer 's check from XXXX XXXX, my bank. I was in the process of executing the payment plan I had proposed when Wells Fargo had papers delivered compelling me to accept their mortgage modifications or face foreclosure. I have faxed their application and the proofs required to them. While I have a decent credit score, I have frozen my credit reports on all credit bureaus, so I would prefer not to allow any one time access of my credit report, considering I have the necessary income to make the payments according to the plan I have proposed. I intend to sue Wells Fargo if they do not properly accept the payment plan I proposed, considering it's not likely it would be an undue hardship for Wells Fargo to accept the payment plan.

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 2018-10-29
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
They block access to my account when overdrawn from everything online I can not view my statements when my account is overdrawn and they refuse to acknowledge the problem.

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 2017-07-31
Company: PNC Bank N.A.
State: GA
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 was recently reviewing my credit card statements. I was VERY surprised to see my last couple of payments have been applied to a promotional balance that expires on  XX/XX/XXXX  vs. the promotional balance that expires on  XX/XX/XXXX . I found this to be a little shady and asked a manager or supervisor to explain how/why this happened. I also requested those payments be applied to the promotional balance that expires on  XX/XX/XXXX  vs.  XX/XX/XXXX - since  XX/XX/XXXX will be here sooner than  XX/XX/XXXX . On  XX/XX/XXXX  I was called by a Manager   XXXX   XXXX   who explained that nothing improper was happening with my payments. I then explained how PNC is applying the payments will allow them to collect interest in  XX/XX/XXXX since they are applying current payments to a balance due in  XX/XX/XXXX . FIRST - so when  XX/XX/XXXX  comes I will either have to pay a very large credit card bill OR my credit card account will be assessed interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29
Company: LEXISNEXIS
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 belongs to someone else

Complaint:
inaccurate information being reported via XXXX XXXX, no knowledge of accounts XXXX XXXX XXXX XXXX provided XXXX XXXX PO REPORT and FTC report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Equifax, has refused to do there job three times they have put false information on my credit report from a company called XXXX XXXX XXXX. I asked for the act to be verified through the court .And to show proof of validation of debt. I have proof of the actual ordered amount. Equifax never got proof they just closed case. the reason I know is because the amount is still wrong. this fraudulent first allowing of this credit company to add bogus information made the other two XXXX and XXXX do the same put over 7 thousand worth of charges on my file. it took my score down. also the dispute was not done. I want this removed since it was not done in 30 days and it has been over 4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I purchased a pair of shoes online with my Chase Sapphire Reserve credit card on XX/XX/XXXX. Card number XXXX. The item is sold year round and was advertised on the website for {$110.00} down from the retail price of {$490.00} for Father 's Day, but I was charged the full retail price + tax and the retailer did not want to honor the sale price. Chase offers a Price Protection insurance on their Sapphire Reserve credit card that will reimburse up to {$500.00} per claim for items purchased that are advertised for a lower price. I filed a claim on XX/XX/XXXX through their online claims center and uploaded a screenshot of the reduced price that I took when I purchased the item and my purchase receipt. A claim number # XXXX was assigned to me. After several days, I received a decision on XX/XX/XXXX that the claim was rejected due to being a seasonal sale. 

Chase 's terms and conditions state that exclusions include " Advertisements of sales of seasonal or discontinued items including, but not limited to, holiday decorations, clothes, or costumes '' Here is a link to their benefits. 
https : //www.chasebenefits.com/sapphirereserve These shoes are not a seasonal item as they are sold year round, but they are trying to extend this statement to seasonal sales. A seasonal item are products like Christmas trees, Halloween costumes, holiday cards, etc. I called their claims center to clarify and they are saying that according to their terms, they would not honor any seasonal sale including Black Friday, Mother 's Day, Veteran 's Day, semi-annual sale etc. The problem is that 95 % of retailers specifically time sales all year around these special dates, which would exclude basically a majority of their Price Protection claims. That is a very predatory practice to advertise an insurance service that most people can not even use. 

Please let me know if you can rectify this issue. All I want is for my claim to be properly honored. I can be reached at XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29
Company: Happy Money, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
I have advised this company to stop calling me. 
They call several times throughout the day including after XXXX XXXX 
On XX/XX/18-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 2018-10-29
Company: Comerica
State: WI
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/XXXX my account was hit with multiple transactions due to my debit card being stolen. XX/XX/XXXX i was credited back these transactions. XX/XX/XXXX the bank took back the money from my claim and then proceeded to charge 6 OD fees despite it was the banks doing. Its been 4 months since and im missing well over 800 . 

The transactions in question ill provide a sceen shot as well as the police report upon request

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I signed up for all three reports and only received XXXX Report. I did not receive Transunion nor XXXX Report. In addition, I have no lateness on any of my accounts but am being low balled with a credit score of XXXX from Transunion and XXXX. I can see the Transunion Score through XXXX XXXX XXXX Website only. XXXX shows a fair score when I requested the free credit report. I do not understand how these people can damage good people 's credit and then deny my free credit report. I need my credit score fixed.

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 2018-10-31
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Company and attorneys are leavin messages saying they are going to press charges in my name for fruad because they have made electric deposits into my bank accounts of XXXX each. I dont have any bank accounts that have any amounts like tbat and im trying to establish an account and in my name and im not able too. Please i dont know where to start or what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 several inquiries on my report from XXXX XXXX XXXX XXXX and from XXXX XXXX. I contacted XXXX XXXX XXXX @ XXXX and spoke with XXXX employee # XXXX and he was unable to find any applications for me, and he even checked the archives. I contacted XXXX XXXX and they are going to be sending something to have the inquiries removed, but they told me to contact creditor to see about getting them removed sooner. Here are the inquiries : XXXX Inquiry : XXXX/XXXX/XXXX XXXX Inquiry : XXXX/XXXX/XXXX XXXX Inquiry : XXXX/XXXX/XXXX XXXX Inquiry : XXXX/XXXX/XXXX XXXX Inquiry : XXXX/XXXX/XXXX XXXX Inquiry : XXXX/XXXX/XXXX XXXX XXXX NA Inquiry : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX XXXX. Please remove all of these inquiries because they do not belong to me, and were not authorized by me.

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 2018-10-29
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I've contacted this company several times to have the debt removed from my credit report! I've sent this Collection Agency a copy of my Police report, Social Security card, and identification, but yet this item remains on my credit report. The company received these documents by certified mail, but have yet to remove the account. I will be following up with the fair Credit Reporting Act regarding this matter! I will also proceed with legal action if this account is not removed from my credit report within 30 days!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-29
Company: EQUIFAX, INC.
State: TX
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 many inquiries that were checked in XX/XX/XXXX and XX/XX/XXXX and were not authorized by me if send letter to all the companies that checked the credit and no respond this is getting frustrating. I also called the credit bureaus and they explained to write letters which I did.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 many inquiries that were checked in XXXX and XXXX and were not authorized by me if send letter to all the companies that checked the credit and no respond this is getting frustrating. I also called the credit bureaus and they explained to write letters which I did.

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