BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Portfolio Recovery associates called and wrote me by mail in the year 2020 telling me that they were collecting a debt owed by a credit card company ( XXXX XXXX ) that was charged off and sold. They reported me to credit agencies and told me unless I paid it off {$360.00}, it would stay there indefinitely, so I paid it in installments and now they sent me a letter stating that I still owe them. This derogatory debt that I paid off is still on my credit and it looks like I still owe them money.I feel like they cheated me out of money. They want more money from me and I am not paying another dime. In fact, I want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
In the span of a few days ( XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20 ) I received over 13 unauthorized hard inquiries to my credit for car loans from dealerships. I was never aware this was having, or gave anyone permission to do so. I can not get a response from the generators and they are false hard inquiries to my credit ( I have no car loans or loans at all beyond student ones, I don't even have a car. ) I ask that you please immediately remove these from my credit report for authorization.

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 2020-05-26
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I'm having problems getting the credit bureaus to update my current address and removing old, outdated addresses reporting on my credit file.

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 2018-03-28
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello this is XXXX XXXX XXXX I'm still alive and crimes against me murder for hire and premeditated life sentence all properties through XXXX XXXX and bank our to be in my name with no restrictions also wells fargo accounts in my name I'm primary from beneficial account from XXXX XXXX mother who had two pages of lawsuits from XXXX XXXX XXXX XXXX XXXX is not primary all court orders and judgements in my favor either is XXXX XXXX primary or delegate or consertiver.XXXX XXXX account is in my name but refuse to give account number.XXXX fund is from XXXX XXXX in my name no ex wifes our entitled to any assets and would like to counter sue all against me for XXXX XXXX dollars for putting my life in danger and keeping my funds not giving back have no joint accounts anywhere XXXX XXXX is XXXX XXXX married to deathrow inmate 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 2019-05-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. This company is not registered in the state of Texas and is not a valid company. They have sent unverified information regarding my file. This is a violation of the FCRA. I demand it be deleted.

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 2021-11-01
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Applied for a Chase co-branded card ( Chase Marriott XXXX Card ) and received a confirmation email on XX/XX/XXXX stating the signup offer was 3 nights, each up to XXXX point plus platinum status through XX/XX/XXXX. Upon meeting the spending requirement, the bonus received was 3 nights, each up to XXXX points. After five months of communication with Chase, they finally agreed to honor the free nights at XXXX points/night but refused to honor the platinum status at Marriott. These difficulties have set travel plans back and taken lots of time and energy on numerous phone calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-09
Company: American Accounts & Advisers, Inc.
State: MN
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was in an auto accident that was a workman 's comp matter. There was some medical bills that were missed in the process, by the workman 's comp insurance provider ( XXXX XXXX ), as well as the original provider, didn't submit any outstanding personal medical bill to my insurance carrier ( XXXX XXXX ). The matter should have been resolved in XX/XX/2015. However, I recently, by chance received my first statement ( since I had moved from XXXX XXXX, MN to XXXX, MN ), an invoice stating that I was being sent to collections at American Accounts Advisors. I immediately notified my previous personal injury attorney. He then communicated with American Accounts, XXXX XXXX ( provider ), and XXXX XXXX. In the process of his engagement and attempts to resolve outstanding balances, American Account Advisors placed the account as a negative collection on my credit report- dropping my score more than 30 points. I immediately called American Accounts ( XXXX ), who confirmed my attorney was involved, but that XXXX believes I owe the balance ( since they haven't collected balance dues from insurance carriers ) so it will remain on my credit report ( doing irrevocable damage ). I can dispute on my credit report, but the agency will state as I documented in this writing above. Leaving me with yet another injury ( financial ) to my personal/ family well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: Glass Mountain Capital, LLC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I closed my account with XXXX in XX/XX/2020 However, they Did not follow my instructions and continued late fees and interest. 
Currently they havea fraudulent amount in collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: EQUIFAX, INC.
State: PA
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:
I contacted the company at the beginning of XXXX to advise them, the information they are transmitting to the credit bureaus as being incorrect, given the fact the account was charged off 7 years ago. The company maliciously and continuously keeps reporting the account as still being open, and having a balance. They execute this erroneous act every 6-months or so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
Company: Eagle Accounts Group, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I went to court to make a payment plan on my back XXXX XXXX that I owed. I have been paying them since the beginning of 2019 and I am ordered to pay {$55.00} until its all paid. The money comes directly out of my social security XXXX check each month. I want this cleared up and taken off my credit report since I am fulfilling the agreement. Thank you 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 2021-09-23
Company: Experian Information Solutions 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 belongs to someone else

Complaint:
There are accounts and other information showing up on my credit report that does NOT belong to me. I've called and sent letters and still no solution.

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 2019-11-14
Company: Ability Recovery Services, LLC
State: CT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The ability debt collection continues to try and collect a fraudulent debt. I had services at the hospital.that were paid in full. The hospital said that any amounts outside of what they charged is fraud and that they can't legally charge anything outside of the hospital 's fees. If you continue to try to bill me for an amount that was paid to the hospital for that date of service with a XXXX balance I will file a fraud claim with the Connecticut Attorney Generals office. I didn't sign anything to pay and XXXX XXXX XXXX a different amount than the contacted amount allowed by the state. XXXX XXXX XXXX is a subsection of XXXX and also states the balance is XXXX. I never had any private provider services. If you have proof that I requested different services from this provider please mail 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 2017-08-08
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have a checking account through TD bank. Recently my account was overdrawn due to several transactions from a previous week hitting my account. I asked several employees if the " available balance '' was what I could use without overdrawing my account. I was told yes by all employees I asked, obviously this was false, considering I got charged {$170.00} in overdraft fees. I spoke to someone on the XXXX of XXXX, they credited my account with half of the fees, told me my new balance, and everything was all good. Now on the XXXX of XXXX they charged me another {$70.00} in overdraft fees for two transactions that went through, now there was enough in my account to cover these transactions. So now, my account is overdrawn again, with five pending transactions that will also incur fees, although I had enough to cover these purchases. I also have it set up so my account should not be getting overdrawn, the transactions should be declined. So if there was not enough to cover the charges from the first two transactions ( there was ), the other five should never have been approved. I was told the available balance on the mobile app was up to date and what is available to you without overdrawing. Which has proven to be completely false and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
XXXX XXXX, Tax Lien reflecting on my credit report with all three bureaus in error. This started back in XXXX 2017 when State sent a lien XXXX to create a judgement. I paid this account within 2 days of notice and the judgement had not even been processed. I have experience a tax lien on my previous home but it had a XXXX balance. I had to obtain tax lien release for my home that had already been paid in full. I am presently experiencing this being reported to credit bureaus which is incorrect. This should not have made it far as it did. Also I have a collection account {$190.00} for XXXX ( XXXX XXXX ) reported and I had never received a bill, email or phone call. I had paid it in full once I received notice that it was reported to the credit bureau. I have placed a dispute for this account. It appears this new law that was passed has made this situation worse with the credit reporting for me not better. I am now in the process of purchasing a home and this could possibly hinder me, but I am trusting XXXX for favor

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 2018-02-09
Company: NAVY FEDERAL CREDIT UNION
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I memorized my statement closing date which is the XXXX of every month. I am livid that I paid my account down and they reported a balance of {$500.00}. My credit took a hit which I can not afford at this time. I've worked so hard to get it to where it is. I call and I speak to a representative that told me my payment had to be in by XXXX. At first he said he'd see if it could be changed but then followed by saying you need to talk to the credit bureaus. That's not true. Navy Federal has to change it since they are the reporting company. I asked to be transferred to a supervisor so I spoke to XXXX and explained my situation. She stated the payment had to be in by XXXX so here 's misinformation. I've had this card almost a year with no problems like this at all and at no time did they ever say a payment had to be in by a certain time. I did not make a payment on the XXXX. I made sure to call in on my statement closing date. The representative never advised me that the payment wouldn't go through a day later. This should not be taken as an oh well, XXXX it up situation. I have taken my credit card account very serious since i've had it and have NEVER had a late payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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: Problem canceling credit monitoring or identify theft protection service

Complaint:
You people are XXXX sick you have nothing better to do than ruin peoples lives and steal identities.

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 2017-08-10
Company: Debt Recovery Solutions, LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Ten or more years ago, I disputed the last {$190.00} payment to XXXX on my account. Recently, this old and uncollectible disputed debt was given to a collection agency in New York. They reported it as only four years old, and as a new collection account only one month old on my credit bureaus. My credit score has suffered terribly because of this illegal act. I have disputed these entries accuracy with XXXX and XXXX XXXX, but the collections company told them it is a legitimate debt that it should be reports as it is. There is no way that they have any proof that this is a recent debt, because it is not, and should not have been put on my credit bureaus. I believe this collections agency has done this illegal act to harm me and get be to pay it. The lawbreaker/tortfeasor is : Debt Recovery Solutions , LLC, XXXX XXXX XXXX, XXXX, NY, XXXX, ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31
Company: Millco Management
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Amerifinancial has two collection accounts one for XXXX and one for XXXX. At the time of service I had insurance and contacted them. When my insurance company XXXX  reached out they told them they only saw the XXXX when I disputed with the CB they come back accurate. The XXXX has been removed from my XXXX  but not my XXXX  .. it appears to not be reporting correctly at all. I'd like this information to match across all reports. Per HIPAA and them not being about to provide information anything from them should be removed

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: Dovenmuehle Mortgage, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
To whom it may concern, When the COVID-19 pandemic happened, I had applied for forbearance with my current lender, Dovenmuehle, and was told I would be receiving paperwork in the mail to sign. I received the paperwork, but I decided not to go through with it and never sent them the signed paperwork. I found out in XXXX that the forbearance was still applied to my loan ( when I never signed the paperwork ). This affected the credit of my parents ( who are co-signers ) and I. My parents are trying to refinance their home, but their loan can not be processed further until an opt out letter from Dovenmuehle is received. 
I contacted Dovenmuehle on XX/XX/2020 to send me the opt out letter of proof that I am no longer on forbearance, current with my payments, and do not owe any back payments. They sent a response on XX/XX/2020 stating they will respond in timely manner as " required by law ''. I've made more than ten calls between XXXX through XXXX, but the only response I received is that the letter has been sent out ''. I had also sent another follow up email on XX/XX/2020. Finally, around XX/XX/2020, they admitted that they made a mistake and the correct opt out letter was not sent and will be sending it out soon. Ive made two follow up calls on XX/XX/2020 and XX/XX/2020 requesting the opt out letter ( again ) to be mailed and emailed this time. The letter still has not been received and today is XX/XX/2020. It has been over two months of waiting. 

I attached my communication with them and proof of my current mortgage payments. 

Thank you for your help, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/2020 an unauthorized charge was made on my Bank of America account in XXXX on my ATM debit card. The bank has not requested a signed receipt from the merchant and is denying my dispute claim. I have requested proof of an authorized or signed purchase i.e. a signed receipt.

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 2019-11-14
Company: STATE FARM BANK, FSB
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have spoken with State Farm Bank four times in the past 11 months about the same issue. They are not sending my mortgage bill to me for payment. Everytime I speak with someone they say they are going to fix the problem but it doesn't get done. I have happened to remember to pay the mortgage a few times without receiving a bill from them. Then, around the middle of the month, I'll receive a late notification in the mail. I am totally frustrated with this and I'm tired of having to waste time calling them time and time again to request the bill be mailed to me so I can pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: EQUIFAX, INC.
State: VA
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:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, Equifax, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2018, Midland Funding released trying to collect a false debt through legal action. The debt would not be pursued or sold and they were supposed to remove it completely from my credit file but as of this date, it still remains and it still reporting monthly that I owe them money. Midland Funding is still reporting monthly on my XXXX  and XXXX  credit reports and is in violation of our legal agreement.

Company response to consumer: Closed with non-monetary relief