BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-12
Company: WINN LAW GROUP, APC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XXXX XXXX XXXX XXXX as assignee of XXXX XXXX XXXX, XXXX ; is attempting to collect a false debt and also falsely suing me for debt that is not mine ; that I never had ; as I have never owned or had a XXXX XXXX account that XXXX states they purchased from XXXX XXXX in XX/XX/XXXX in the amount of {$3700.00}. XXXX XXXX XXXX claims I owe this debt and has attempted to collect the debt through bank levy. Court files show they have been pursuing me since XX/XX/XXXX and filed suit in XX/XX/XXXX without my knowledge and without ever contacting me. XXXX and it's associates makes claims to proof of service by substituted service in XX/XX/XXXX at an address I no longer lived at. XXXX has been attempting to collect and sue/take me to court ; all without my knowledge using an old address to pretend to contact me until XX/XX/XXXX in which I received notice from the county recorder of an involuntary lien recorded. On XX/XX/XXXX I called XXXX ' Collections Attorney ; Winn Law Group to receive information and dispute debt. They stated I now owe {$7200.00} ; which is a misrepresentation and not what is stated in the lawsuit. I sent a dispute letter and request for validation of debt by certified mail to both XXXX and Winn on XX/XX/XXXX in which they both received. Winn Law Group sent me their first correspondence ever stating they were attempting to collect a debt. The amount stated over the phone and on paper are different. The information provided in their correspondence to me does not belong to me ; nor are there any documentation of proof showing that I had such account or that there is a debt owed by me. The file sent to me was incomplete, unverifiable, and inaccurate and the dates do not match up nor are there any signatures or valid information to link me to this false account. XXXX filed in XX/XX/XXXX an abstract of judgment against me which should be stopped immediately. I only know of this recent file by way of the county recorder. XXXX has been attempting to collect a false debt since XX/XX/XXXX. XXXX obtained a default judgment in which I never knew about in XX/XX/XXXX by using a previous address so that I could not dispute or fight for my rights. A debt collector must serve you with notice of a lawsuit if it sues you. And if it gets a default judgment against you because it failed to serve you with notice of the lawsuit, it is prohibited from trying to collect on that judgment. Collectors are not able to collect phantom debts ; this is violating the Fair Debt Collection Practices Act. Saying I owe a nonexistent debt is in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I received my updated credit report from Transunion, the report stated the information was verified and to contact the creditor regarding the bankruptcy. Who did they verify the information with so that I can contact them. I contacted the XXXX XXXX XXXX  and they stated that they do not verify information with credit bureaus, my XXXX XXXX report does not show any bankruptcies on there. I would like Transunion to let me know who they verified the information with so that I can contact 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
Consumer complaint received 2018-03-24
Company: Navient Solutions, LLC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I was short on student loan money years ago and signed with the former XXXX XXXX ... I still have the documents that I signed and co signed with my mother who passed away. When my mom passed I started reviewing finances, and discovered that I had well over paid XXXX, yet they continue to harass and even called my new job. They say something about interest each time I call to work something out, they begin to argue and threaten. I even have my bank statements where they were paid in full. This company is complete fraud. They will try to destroy your life no matter how much you pay them, they continue to try to destroy your credit. I have all the bank statements and original loan information that I signed. Both are very private documents, but I will be happy to forward them over with trust. I signed the document on XX/XX/XXXX for a XXXX loan with XXXX XXXX, which is now XXXX. I had a interest rate of 14.250. I began paying on this loan in XXXX and my bank account can only go back 7 years, but I have been paying them for 10 years. My credit report states that I borrowed {$4000.00}, and I have paid the company {$9000.00} or more, I was told to stop payment in XX/XX/XXXX because the balance was still over {$6000.00} dollars. The company continues to tell me that I owe them, they have went against my perfect credit, they literally harass my family and my job. They refuse to send me documents explaining where and how I owe this so called interest. They have been paid 100 % percent interest and more.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: Source Receivables Management LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The debt collector Source Receivables is attempting to collect a debt on behalf XXXX. I don't know the chargers or reason of the collection and I didn't receive enough information to verify the debt, I asked to the collector for a full Itemized statement but they refused to mail me the bill that they are collecting because they don't have it on file. I assume is a balance with XXXX is because XXXX never applied a credit that they supposed to do, -so XXXX promised a credit but never applied in the account-. 
I called the collector and disputed the account because they never gave me the chance to pay the bill before they report the collection account with the credit report agencies, they said they sent me an initial notice of right to dispute my old address on the XXXX XXXX XXXX XXXX, XXXX XXXX CA, but I am not longer living there since 2018, even my new address is in a different city but the collector said " that is irrelevant '' I told the collector my intention to dispute this account because I don't known the charges and I think XXXX has to apply the credit that they promised, but they collector said I can not dispute the bill I just have to pay it and for the collector the initial told the collector my but the collector said that is irrelevant.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
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:
I have an Capital One credit card account with a credit limit of XXXX. Normally this accounts resorts to all three major credit bureaus however on or around XX/XX/2019 I noticed that XXXX  removed my capital one account without my permission. 
The account is still showing on my XXXX  and XXXX which is good. 

I contacted XXXX and they couldnt tell me why it was removed and they could not add the account back to my report and to contact the merchant to with I did. 

I contacted capital one and they said they are reporting to all three credit bureaus. They told me to contact XXXX. 

No one has helped me with this issue and they both is giving me the run around. 
This has hurted my XXXX  credit score like 200  points and I dont know what to do to fix this. 
I need some help please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
PRA stated that they sent their initial notification letter to me on or about XX/XX/XXXX. I never received any letters from them. I would like to see a copy of that letter along with receipt, as well as the address it was mailed to. PRA claims to have spoken to me regarding a letter I received on or about XX/XX/XXXX. Most companies record for quality assurance, I would like to hear this conversation. I was not receiving and letters or calls from debt collectors in XX/XX/XXXX because I was enrolled in a debt relief program. It wasnt until the end of XX/XX/XXXX that I disenrolled.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
These Hard Inquiries ARE INCOMPLETE AND INACCURATE 1. XXXX XX/XX/XXXX 2. XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX/ XXXX XXXX  XX/XX/XXXX 5. XXXX XX/XX/XXXX 6. XXXX XX/XX/XXXX 7. XXXX XX/XX/XXXX 8.XXXX XXXX XX/XX/XXXX 9.XXXX XXXX XX/XX/XXXX 10. XXXX  XXXX XX/XX/XXXX 11. 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 explanation
Consumer complaint received 2021-09-09
Company: JPMORGAN CHASE & CO.
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I have tried submitting this complaint but it was confused for a separate complaint I made at previous time. There has been nothing but issues when working with Chase bank in regards to the Paycheck Protection Program loan that I received for my business. This complaint is in regards to the servicing of the loan. After having part of the loan forgiven, Chase failed to update the loan term extension I requested that they offered for the loan balance. I was billed a much larger monthly bill under the 2 year loan term instead of the lower monthly payment amount under the 5 year term I agreed to. After calling and being transferred to several different departments I finally was told that I needed to speak to my local branch account representative, who also is unable to help. I was told initially that I would not be held responsible for the payment under the 2 year term but I am now being required to pay both balances. Not a single person was able to assist me and it seemed that the " correct department '' they transferred me to had no idea how to help either. I can not make the larger payment amount while my business is still recovering from the affects of the Pandemic and need this error to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: TRUIST FINANCIAL CORPORATION
State: VA
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:
My account was debited on XXXX in the amount of {$60.00}. It was not authorized.

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 2018-03-24
Company: Experian Information Solutions Inc.
State: TN
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:
Have tried to access my FREE ANNUAL CREDIT REPORTS at https :  //www.annualcreditreport.com/XXXX  experian will not let me get my report says I have to call a phone number. 

XXXX will not let me get my report says I have to contact them .also went to XXXX direct and the VERIFICATION QUESTIONS are about accounts opened that I have never opened so of course I am mot going to be able to answer them correctly.They say contact them directly XXXX provided my report no problem. 

This is stupid that I can never get my credit reports from XXXX or Experian. 

They need to be fined for every free annual credit report they do not give .In this day and age it takes 10 seconds or less to access a data base and provide whats in that data base about my credit report yet can not get it because their computer come up with bogus questions.

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 2018-03-24
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Hello I have recently been a victim of fraud. I hired a private contractor to fix my home and gave him on separate dates ( two checks ) in the quantity of {$20000.00} and {$10000.00}. Both checks were cashed by this individual and he never finished the job. While working with police investigators and others, it was noticed that neither checka were ever endorsed by the bank that released the funds. I need Wells Fargo to look into this and to also make themselves responsible for my money.

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 2022-08-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I just wanted to say that I had the worst experience with XXXX XXXX in an attempt to buy a home in XXXX. He is a Mortgage Lending Specialist with Bank Of America : XXXX, Arizona. His XXXX  # is XXXX. He was extremely rude to me as well as my Realtor. We had to go as far as reaching out to one of his colleagues by the name of XXXX XXXX due to his lack of professionalism. This happened back in the first quarter of XXXX. I was issued a Pre-qualification letter in XX/XX/2021 which has now expired of course. Once it was time to inform him of the properties we were looking at, we couldn't get a hold of him. I still have the direct emails of our conversation. He went as far as screaming at my Realtor all because we called his colleague to get a hold of him. In the beginning when when I submitted my bank statements to him, he also questioned where the money came from as if I don't have a full time job. I had over {$20000.00} saved up to put down on a XXXX. I had been saving that money since my early XXXX 's. He issued me a Pre-qualification letter so he had verified that fact. The reason I am bringing this up now is because it is a year later and I am just now recovering from a financial loss. I had to take that money and rent an apartment with it.

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: Experian Information Solutions 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: Personal information incorrect

Complaint:
I have wrote Experian over 20 times that it is displaying wrong name and address Issue # 1 [ Name ]  Wrong : XXXX XXXX - Name ID XXXX Wrong : XXXX XXXX - Name ID XXXX " Correct - XXXX XXXX XXXX - Name ID XXXX '' Issue # 2 [ Address ] Wrong : XXXX XXXX  XXXX XXXX. XXXX XXXX, CA XXXX - Address ID-XXXX  Multifamily. 

Issue # 3. 
A RICO company named " XXXX XXXX XXXX '' accessed my credit report WITHOUT my permission on XX/XX/2020.

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 2021-09-09
Company: Fusion Auto Finance
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
Upon returning my leased vehicle, over 60 days later ( which is the required period ), I received a letter with alleged damage to the returned vehicle. The alleged damage was not substantiated by fusion, and I fully contest all of it. Furthermore, the employees at fusion  are engaged in extorting as much money as they can. Different agents I spoke to gave different cost amounts for the same item. I tried to reasonably negotiate and settle. I filed and paid for arbitration with the XXXX XXXX XXXX XXXX. The response I got from them was, " Fusion Auto Finance, LLC failed to comply with the XXXX  policies regarding consumer claims. '' They therefore can not arbitrate with them and closing my case. Fusion still continues to call me and send notices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: Southwest Credit Systems, L.P.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
We had an alarm system with XXXX and we had a dispute with XXXX and they said that they were apart of XXXX and that we had to pay our XXXX XXXX bill that they wrongfully billed us for and threaten to close my account and charge me as if I left my contract which is untrue because i tried to pay them the money but they would not take it and said they would have to turn my alarm system off. Which is unfair because when we signed a contract they had nothing to do with our separate dispute with XXXX XXXX. We did not inter our contract with the alarm with XXXX XXXX   it was with XXXX and they are trying to collect something that has nothing to do with them. So we tried to pay them as I said but they did not take our money and I feel like how you gon na charge us to cancel the contract when you guys cancelled our contract without our permission so that is they fault because I cant make they take my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: Berlin-Wheeler, Inc. (Kansas)
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I received a letter from Berlin-Wheeler regarding a {$60.00} debt. On XX/XX/XXXX I sent them a letter asking for debt validation. On XX/XX/XXXX I received a voicemail message from Berlin-Wheeler stating I should pay the money. I still have not received any debt validation I asked for.

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 2017-12-04
Company: CITIBANK, N.A.
State: LA
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:
This continues to be an " ongoing '' complaint I have submitted against XXXX concerning my Best Buy acct. XXXX continues to show me as having a high balance around XX/XX/XXXX-XX/XX/XXXX but it was due to the reduced overall credit limit by the company that was the holder ( XXXX XXXX XXXX ) I called the bank and they were unable to correct because they sold the account. I contacted Best buy to update and report that my high balance was actually XXXX with a XXXX dollar balance. XXXX also did not correct my payment hx. I do not pay XXXX but always XXXX dollar payments per month. I currently now have a XXXX credit score that should not be for I have not requested credit and I paid off two major accounts totaling close to XXXX XXXX XXXX and XXXX XXXX XXXX in 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 explanation
Consumer complaint received 2018-04-13
Company: Ditech Financial LLC
State: UT
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Ditech Financial is continuing to report a balance and collect on a debt, for a house sold. The balance was taken care of, and also this debt is past the statute of limitations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I keep getting calls asking for my deceased father even after it was explained to them that I was not him

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 2018-02-19
Company: SYNCHRONY FINANCIAL
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I called both companies to let them know I was not the one inquiring about airline credit cards and needed it disputed. I was let known I was not in their system and they could do nothing to help even though it was on 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