BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
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:
I recently received a copy of my annual credit report. There was a collection agency by the name of portfolio recovery associates listed as a collection on all three credit bureaus. The debt amount is XXXX. This is not my debt. I sent a letter to them asking them to remove this collection immediately because of the negative impact this erroneous debt could have on my credit profile. This debt has affected my credit score negatively which causes financial harm to me and my family from qualifying for different financial services. I sent them a letter dated XX/XX/2019 that this is not my debt and for proof that it belong to me per the Fair Debt Collection Practices Act. 

They replied back with a letter dated XX/XX/2019. All I received was a two page statement of alleged charges. This does not meet the Federal Trade Commission guidelines that constitutes proper debt validation. Therefore I request immediate removal of this erroneous debt in the amount of XXXX from all three bureaus. If you don't comply you are subject to a fine up to one thousand dollars plus punitive damages. I'm sure that your legal staff would agree that non compliance with this request could put your company in serious legal trouble with the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Please read attached documents of the letter I attempted to send to the agency contacting me. The fax number provided was fake. The company trying to collect the debt did not advice the standard " this is an attempt to collect a debt '', in addition, harassed me and refused to provide me business name, address and fax number to send bankruptcy papers to. They also told me that I could not bankrupt the debt. I was repeatedly told I was being sued and could have the address and fax number for my attorney when I received my court papers. They had a woman contact me to tell me she is a process server planning to serve me court papers. I called the following day and they gave me the business name of XXXX XXXX and a false fax number. I have no statements or documents from this company and can not find the company on the internet to reach out to any other person in that agency or to locate an address/fax number. The telephone number I have is XXXX and an incorrect fax number of XXXX. The XXXX people I have spoken to is XXXX XXXX and XXXX XXXX. The process server who called me was XXXX XXXX. Case number is XXXX under the account name of XXXX XXXX. They claim they were collecting a debt from Huntington Bank from 2010 in the amount of XXXX for overdraft fees. I advised that I filed a no asset chapter XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
My Identity was stolen in the Equifax data breach. I have been trying to set up XXXX since XX/XX/2017. Despite following every every instruction I was given and spending lots of time on calls with customer service, I have been unsuccessful. On a call in XXXX I was asked to submit documents supporting a name change from about 8 month prior. I submitted the documents on XX/XX/XXXX but received no response. On XX/XX/XXXX I submitted the documents again with a comment about having received no response from the prior submission. This time I received a response with a case number ( XXXX # XXXX ) and a message asking me to be patient. Well, after being patient far to long, I called again only to be told that the deadline had passed for setting up XXXX. I am angry and frustrated. It was not my fault that my ID had been stolen in the data breach. It was not my fault that the XXXX account did not get set up properly. It is not my fault that the deadline has passed. I do not get to choose to do business with Equifax and I can't close my account. I basically have no recourse for the lousy service that I have received. Don't get me wrong, the customer service people are courteous, they just are unable to resolve anything. If this was any other service I would close my account but I just can't do that with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
On XX/XX/XXXX I spoke with Transunion supervisor XXXX XXXX, who would not help and take care of the negative inquiries reporting on my Transunion credit report due to being a victim of there " Inquiry issue ''. Negative Inquires listed below : XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/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 - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX 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 2018-06-19
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Dear sir, We made a {$42.00} purchase using XXXX shopping card ( XXXX ) on XX/XX/XXXX. 
We never received invoice or email alert to pay in time. 
First printed bill we received in month of XX/XX/XXXX.

We talked to make payment with minimum penalty if applicable. Person asked us to pay {$100.00} as full and final payment including all penalties and interest and closed our account on XX/XX/XXXX. 
In month of XX/XX/XXXX we surprised by a letter received by their collecting agency. 
Call from unknown number talked for related debt collection and after that they registered with credit bureau. 
We request you to do needful and help us out from this unfair system of extortion. 
Thanking you. 

XXXX 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 monetary relief
Consumer complaint received 2018-06-19
Company: NCC Business Services, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have a judgement on my account for ( evictions ). One was just placed on my account Overview You've paid off 0 % of your collection amount. 
Balance {$4400.00} Highest Balance {$4400.00} Opened XX/XX/XXXX ( 11 mos ) Account status Open Type Collection Account Responsibility Individual Original Creditor Name XXXX XXXX XXXX XXXX Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX AND ALSO Overview You've paid off 0 % of your collection amount. 
Balance {$3900.00} Highest Balance {$3900.00} Opened XX/XX/XXXX ( 5 yrs, 6 mos )  Account status Open Type Collection Account Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX XXXX XXXX Closed No Info NCC BUSINESS SERVICES XXXX XXXX XXXX XXXX, XXXX XXXX The first civil judgement above I have asked for proof of account ( validation ) proof of a signed lease etc, ( being that i know there is not one ). I have not been furnished with anything. 
I am aware that as of XX/XX/XXXX all civil judgements including evictions judgments should have been removed from credit reports in which these two have not. I am requesting these two judgements be removed indefinitely. I have contated the credit bureau and distputed these as well with no resolution.

( The three credit bureaus, XXXX, XXXX and XXXX, as part of a lawsuit settlement with various state Attorney Generals, agreed to the creation of the National Consumer Assistance Plan ( NCAP ). For companies that use credit reports, the biggest change will be in the decreased reporting of public records, specifically tax liens and civil judgements. Eviction judgments, such as forcible detainer and unlawful detainer judgments, are civil judgments, and thus they will disappear from credit bureau reports on XX/XX/XXXX. )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-01
Company: Comerica
State: OR
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I called on the XXXX of XXXX to report my card missing. I paid for the 2 day shipping and didn't get the card until the XXXX. I was charged {$13.00}. I requested a refund as the card took as long as it would have taken to mail it. I have called 3 times with no resolution, in fact the last rep, I dealt with told me I needed to call fed ex, ( It was sent XXXX ), to see what happened. I explained that I was not the customer, having no input as to what company they used to send the card, and that although I was a Direct Express customer, Direct Express was the customer of XXXX, making that Direct Expresses responsibility. Since my two day service took 5 days I feel that they need to refund my {$13.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-19
Company: Experian Information Solutions Inc.
State: IN
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:
XXXX University is falsely reporting a student " education loan '' on my credit report, which I did not open. I am in litigation with XXXX   University regarding a debt they claim I owe to XXXX. I have disputed the debt in totality in writing directly with the credit reporting agencies, the university, and their loan servicing company/collector, XXXX XXXX XXXX XXXXXXXX ( XXXX  ). 
1. ) The university has not furnished to the credit reporting agencies that I have disputed the debt directly with them in writing on XX/XX/XXXX. 
2. ) Experian has not marked the account on my credit report as " Disputed '' or " Account in Litigation '' when i disputed the account on their website on XX/XX/XXXX, and has concluded to not change the account status as of XX/XX/XXXX. 
3. ) In response to a previous CFPB complaint ( # XXXX ) I made against XXXX on XX/XX/XXXX, XXXX stated in writing that the account ... " is a delinquent XXXX account from XXXX University, money owed directly to the University ( for tuition, fees, andother items ) that was outstanding at the time you left the school. It is not a loan. '' Which is a false and/or misleading statement.

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 2018-02-23
Company: JPMORGAN CHASE & CO.
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
va loan mishandled by jp morgan chase - inaccurate financial transaction record - failure to ensure insurance rider placement and payment distribution in accordance with va loan regulations - failure to service va loan according to va regulations, - submitting and making misleading and misrepresentations to state, federal, courts ands judicial officials and agencies - failure to provide mortgage modification authorized and approved by the VA - failure to provide and misrepresentation of required policy and procedures to assist and/authorize homeowners claim repairs and payment disbursements i have submitted these complaints previously supporting witnesses XXXX XXXX, va loan specialist, XXXX pa attorney general XXXX, XXXX pa, XXXX attorney XXXX, XXXX pa, XXXX attorney XXXX, XXXX pa, XXXX pa state trooper XXXX and XXXX, XXXX pa XXXX, XXXX thousands of supporting documents, recordings, texts, and emails available upon request

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
Company: TOYOTA MOTOR CREDIT CORPORATION
State: WI
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: Problem with personal statement of dispute

Complaint:
On XX/XX/XXXX - I launched a dispute with XXXX regarding a late payment with Toyota Financial which occurred in XX/XX/XXXX at the time I contacted the company to change my payment due date from the XX/XX/XXXX to the XX/XX/XXXX earlier in the year which had not been changed by Toyota and still reflected the due date of the XX/XX/XXXX. I was late in payment for the month of XX/XX/XXXX/XX/XX/XXXX but requested the removal of the late payment via XXXX. After the investigation the one late payment was changed to reflect 3 late payments occurring in XX/XX/XXXX/ XX/XX/XXXX/ and XX/XX/XXXX. I disputed this new reflection with XXXX providing payment statement withdrawals, the letter dated XX/XX/XXXX asking for a change of due date to Toyota Financial, and a personal statement explaining the situation regarding the one late/none payment in XX/XX/XXXX/XX/XX/XXXX. After the investigation the results were the same/none changed. I then disputed the reporting directly with Toyota Financial on XX/XX/XXXX and received a letter XX/XX/XXXX stating that there reporting was accurate when it clearly was not. 
I believe that Toyota Financial is unwilling to fix the credit reporting of my account as a form of retaliation for signing on to the XX/XX/XXXX-XX/XX/XXXX class action lawsuit earlier this year and would like to have a neutral party review the information to confirm or deny my claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
To whom it may concern, I have a hard inquiry on my transunion report by XXXX XXXX on XX/XX/2018. XXXX XXXX had stated since I was never was told by any representative there would be a hard inquiry they would remove this information on my file Immediately. It has been a while and they have yet to do so. Would just hope this would be straightened out as soon as possible. 

To my understanding with of the companies I had bought something from went thru XXXX XXXX and since i did not sign anything with XXXX XXXX directly under the fair credit act this would come off. 

On a separate note on my addresses reported the following address was suppose to removed as I am not affiliated with it XXXX XXXX XXXX XXXX XXXX, NY 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 2018-06-19
Company: Experian Information Solutions Inc.
State: TX
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:
Experian, XXXX and XXXX all have supposedly investigated my claim that : 1 )  XXXX XXXX of XXXX XXXX, XXXX. has placed multiple charges as individual accounts, thus overly diminishing my credit & scores. My investigation is, they are all charges to one account. Furthermore, I never had any prior knowledge of them before I found them on my credit. I have no obligation to pay same. I have never been sent a bill for them, therefor, they, by law can not be placed for collections on my credit record.

2 ) None of the three, Experian, XXXX or XXXX have the same amount of collection accounts posted to my credit report. Each has deleted or removed one or more of them. Thus, none of them are getting truthful posting info from XXXX, so, how can they take XXXX 's certification that they are posting true and accurate charges against me? 
I have questioned this Certification each time they come back from investigating my disputes with their replies that " they have checked with XXXX and they have certified to them they are correct '' so no changes would be made. 
If XXXX was being truthful, they would have never eliminated any, or, they would have left the totals the same and combined them into one account number.

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 2019-09-02
Company: CARMEL FINANCIAL CORPORATION, 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:
There is a inquiry on my credit report that I did not authorize.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
This dispute involves XXXX XXXX and an inaccurate reporting of my account status to Transunion, XXXX, and XXXX. After challenging the validity of the account I received feedback from Transunion, XXXX, and XXXX which stated that the account was being reported as verified as accurate and updated. After several attempts to get them to verify this information I went through some olf files and was able to find a settlement letter dated XX/XX/2016 stating that the account had in fact been settled. I also found a cancellation of debt which was provided by the company in XX/XX/2016. After the bureaus continued to report the status of this debt as negative, I sent all of this information to them and reached out directly to XXXX XXXX. Their response was that theyd reported all of the information in question correctly and since the bureaus had already reached out that they would not reinvestigate the matter. After receiving the letters XXXX then changed the account status to paid, but allowed all negative payments to that point to remain with the status being FP or " failed to pay ''. This again impacts my ability to purchase a new home, apply for business credit, etc.

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 2019-09-02
Company: Experian Information Solutions Inc.
State: AZ
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:
The following account # : XXXX is a fraudulent account and is not my account. The account is from identity theft. I been receiving harassing and threatening telephone calls of profane, vulgar and abusive language, threats of legal action, job loss, jail, prison, violence and death from XXXX XXXX XXXX XXXX, The XXXX XXXXXXXX XXXX XXXX XXXX in regards to the above fraudulent account, which is a major violation of the Fair Debt Collection Practices Act ( FDCPA ) under Federal and State law.

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 2019-09-02
Company: EQUIFAX, INC.
State: AZ
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:
The following account # : XXXX is a fraudulent account and is not my account. The account is from identity theft. I been receiving harassing and threatening telephone calls of profane, vulgar and abusive language, threats of legal action, job loss, jail, prison, XXXX and death from XXXX XXXX XXXX XXXX, The XXXX XXXXXXXX XXXX XXXX XXXX in regards to the above fraudulent account, which is a major violation of the Fair Debt Collection Practices Act ( FDCPA ) under Federal and State law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-02
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
To Whom It May concern a few issues with the reporting. I have 2 names on my reported file the 2nd name XXXX XXXX XXXX is in accurate and was told it would be removed over a year ago but is still showing up. 

Employment info they were suppose to add the company XXXX based out of XXXX XXXX NY. It's been years and that still has not been updated. 

I also have a problem with 2 Hard pulls I am looking to have removed XXXX XXXX said they would remove and they are still showing up on my file report the dates are XX/XX/XXXX & XX/XX/XXXX. I am unsure if these were suppose to be soft pulls or what Issue was as it's been so long. I had spoke to XXXX XXXX in early XXXX as to why these were still on my file they basically said to dispute the hard pulls if I did not authorize any hard pulls to be made.

Company response to consumer: Closed with non-monetary relief