BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-27
Company: Bread Financial Holdings, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX after checking my credit report I seen a collection from the collection company XXXX XXXX XXXX. Apparently this a debt from XXXX XXXX originally for {$820.00}. On XXXX I finally got in touch with a XXXX XXXX  representative that informed me that the debt no longer belongs to them and that I would have to dispute the fraudulent debt with the collection company. After several attempts within the months of XXXX till now to get XXXX XXXX to validate this debt they 've FAILED. I received a letter XXXX from XXXX XXXX sending me a bill as validation with an address I have n't live in since i was XXXX XXXX XXXX so I know this is a false account. I sent these letters certified mail as informed by my attorney and have the receipts. I sent another letter certified mail which they replied " debt validated already ''. This company is trying to collect debt that does not belong to me. I was informed by an XXXX rep to come here before file a suit against these people.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: Experian Information Solutions 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:
Experian is failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non-complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted 6 complaints informing Experian that I was a victim of identity theft. Experian is failing to block or remove the accounts from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent accounts, an affidavit from the FTC website & provide a photo ID for their records. Experian has claimed the accounts listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the following accounts blocked/removed : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX BANK XXXX XXXX, XXXX XXXX XXXX XXXXXXXX

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 2021-11-30
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt collection company Credence Resource Management is reporting on my credit a debt of {$180.00} for XXXX. Upon review of my credit reports, I reached out to each credit bureau by mail on XX/XX/2021 requesting validation of the debt. In response they stated that the debt was verified, however, did not supply any additional information to me proving such. I then reached out to XXXX, requesting the method of verification on XX/XX/2021 to the credit bureaus and was told I could reach out to Credence Resource Management directly. I sent another letter directly to Credence Resource Management on XX/XX/2021 requesting proper validation of debt. In response, I received a letter dated XX/XX/2021 stating that the dispute was received, and verified as valid, but no proof was provided. They then proceeded in request for me to call them directly by phone. But why, when I have established communication in writing by mail? I have provided ample time and numerous opportunities for this company to provide proof that I am responsible for this debt, and after months of reaching out, I still have not received anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-10
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX of XXXX I switched auto insurance companies. XXXX  sent me a letter in the mail stating that I owed a partial balance but I did not receive it because I moved. In XXXX of XXXX they sold the supposed debt to " Credit Collections Services '' of XXXX. XXXX XXXX XXXX Ma XXXX. On XX/XX/XXXX Credit Collections Services started reporting this debit to XXXX  and XXXX but by XX/XX/XXXX the debt had already been paid to XXXX. When I disputed it with XXXX on XX/XX/XXXX XXXXredit Collections Services submitted false documentation to XXXX stating the debt was still unpaid. Despite me submitting documentation to XXXX and XXXX proving there is no debt owed, the false documentation submitted by Credit Collections Services caused my score to drop almost 80 points and they are still reporting this false information as of XX/XX/XXXX. I want this IMMEDIATELY REMOVED FROM MY REPORTS AND I WANT THIS COMPANY INVESTIGATED FOR THEIR FRAUDULENT PRACTICES!!! They have caused me physical and emotional harm, as well as major harm to my credit score and report, which I work very hard to maintain and keep positive. 

I have submitted documentation showing that on XX/XX/XXXX my debt of {$270.00} was paid to XXXX and according to them I do not owe anything.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I CAN NOT CALL ON THE PHONE!! I AM XXXX! SOMETHING IS WAY WRONG WITH MY DISPUTES!!!! WRITE ME AT XXXX AND I WILL TRY TO EXPLAIN!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27
Company: Nelnet, Inc.
State: WA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
A company named " XXXX XXXX ( XXXX ) '' started sending me emails about my Nelnet student  loans. I asked them to stop emailing me. They said they would not. The email address being : XXXX. I told them they were spamming me about a student loan that I had made payments on the week prior and informed them I would report their email as spam.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Chase bank closed my account in XX/XX/2022 with haste because i filed fraudulent activities on my account i went into the bank twice to show my ID and social security card as told by the fraud department but to No avail chase sent a notice saying it was responsible and authorized the fraud on my account they sent a check for XXXX but kept the XXXX in my account i didnt owe them any money but they still kept the funds sent a letter saying they closing my account but wasnt reporting me so why did they close my account because they didnt do a thorough investigation i was XXXX and they were being XXXX i want my funds and an apology they sent a recent notice saying they had made the mistake and i was right there were incorrect charges on my account but my account close so how they putting a permanent credit to a closed account i didnt receive all the money in my account when it was closed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: Kriya Capital, LLC
State: NJ
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:
I sent a certified debt validation letter on XX/XX/2021 and have not received any information back. I would like this removed / deleted from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
Yes, my payment due date is the XXXX of every month on this card and new statement period is created three days after the due date. However, for the month of XXXX XXXX, I was told that that can speed it up, and that the statement period was reduce to begin on the XXXX of XXXX XXXX. I contacted customer service and they said they are doing this only for the holidays and that they have every right to do so. Is this legal? I also made two purchases on XXXX ( how could this be XXXX that are still pending. This is illegal. I had no prior notice of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04
Company: LAKEVIEW LOAN SERVICING, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have attached a XXXX documents. The customer service department sent me a message XXXX XXXX attached XXXX XXXX XXXX which clearly states : Your loan has been non-escrowed for insurance. 
However, the company still charged me for insurance from XXXX XXXX XXXX XXXX, see attachment XXXX CFPB XXXX - XXXX, They keep telling me they sent letters. However, their customer service department was negligent by sending me a message the loan would be non - escrowed. I would like my mortgage to be non-escrowed at once.

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 2017-10-04
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Federal loans are supposed to be XXXX due to XXXX & XXXX XXXX through XXXX XXXX XXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: Bread Financial Holdings, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
On XX/XX/2022, I applied for a store card, XXXX & XXXX XXXX Credit Card, serviced by Comenity Capital Bank, and received instant approval to make a purchase using that credit line. 

On XX/XX/XXXX, I received an email stating that my card would arrive in the mail soon. 

On XX/XX/XXXX, I received an email stating that my account statement was available and a payment is due. However, to create a login in order to view the account statement I need my full account number from the physical card, which I have not yet received. I tried calling the customer service number, but I was again asked to provide my full account number, which I have not yet received. 

I also attempted to make a payment, hoping that my payment amount would be above the statement balance, but yet again my attempts were denied due to not having the full account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I am filing a complaint against all XXXX credit bureau for on authorize inquiries and wrong Social Security number that is reported on my credit my last # XXXX they have reported # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-27
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On multiple occasions beginning on XXXX XXXX XXXX I have requested that Freedom Mortgage pay my full property tax bill. They have not done this despite several phone calls and emails. There is sufficient balance in the account to pay the bill but Freedom Mortgage will not pay them because of an internal email advising customers reps to tell clients they can not do this without a valid tax bill however the a valid tax bill has been provided several time. This was told to me by XXXX XXXX ID 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 2017-12-27
Company: WELLS FARGO & COMPANY
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I wrote to Wells Fargo a few months ago describing my family 's financial hardship. I asked if there was a way for them to reduce the amount I owe ( I 've had the card for 14 years ) where I could afford to make the payments. No reply no anything. I have tried working with them, but my pleas has gone unanswered. We have a son who is XXXX and to keep him where he needs to be mentally, we can not afford the payments and the high interest rate that continues to climb. I 've asked for help, but apparently my plea has fallen on deaf ears. I do n't want the entire balance erased as I could do that through Bankruptcy. But I do not wish to file Bankruptcy, I want to keep my card, but lower the amount owed and the interest to a reasonable amount, which will allow me to pay my bills and take care of my son.

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 2021-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 let TransUnion know that inquires were made in my name without my knowledge. I have been a victim of identity theft and have attached the document that they keep requesting over and over but saying that they are not getting 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 2021-06-10
Company: ERC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Sometime around the week of XXXX XXXX I received a phone call from this company called ERC demanding I make a payment before a certain date or my credit would be damage. I never recant letter stating any debt owed on my behalf. In XX/XX/2021 I learned that the company reported the debt I allegedly owe to the credit bureau. This company threatened me over the phone and never sent me any letters and now is damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
We began working with XXXX XXXXXXXX XXXX XXXX getting our FHA loan started in XX/XX/2021. 
On XX/XX/2021 the underwriting process began and we submitted all of our documents that New Rez, LLC and XXXX XXXX XXXX XXXX requested. 

On XX/XX/2021 we communicated via email to XXXX  inquiring when the appraisal would take place because our banking information had already been taken. 
On XX/XX/XXXX we were told the appraisal had been ordered through XXXX XXXX  by XXXX. 

On XX/XX/2021 the XXXX XXXX transaction was processed from our account. 

We were scheduled to close on XX/XX/2021 per the sellers request. 

Since all necessary requests from New Rez, LLC had been submitted there was no doubt in our mind that we would be off schedule. 

On XX/XX/2021 we received email correspondence from XXXX XXXX that the appraisal had been scheduled and provided the appraisers information. 

Since this time we found out that the original request on XX/XX/XXXX had actually been CANCELED after I personally called to see why there was a delay. 

The appraiser told us the earliest he could schedule it was XX/XX/2021. 4 days AFTER we were scheduled to close. 
Since we were in a rental home and we had fully prepared to move on the XXXX now we were officially to vacate the home by the XXXX. 

Our entire household belongings have currently been sitting in a XXXX Truck since XX/XX/XXXX that we are STILL paying for because as of right now, XX/XX/2021, we still have not closed on this home. 

We have had so many delays with New Rez LLC, XXXX XXXXXXXX XXXX XXXX  and XXXX XXXX attention details. Each minute is costing us money in interest, XXXX  fees, and emotional distress from not having our home. We have been fortunate to have family close by let us stay because paying for a hotel would not be possible. 

We will NEVER use these companies again for anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: JPMORGAN CHASE & CO.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
I bought a XXXX XXXX XXXX XXXX and delivery was XXXX XX/XX/XXXX. We looked over the vehicle and saw it had animal scratches all over that was not disclosed in the pictures. We had tried to get this resolved for many weeks after, XXXX quoted {$6000.00} for fixing. XXXX offer us about {$1500.00} then {$2000.00} or we could return the vehicle. We chose to return. The vehicle was picked up XXXX XX/XX/XXXX. There was a charge on our credit card account on XXXX XX/XX/XXXX for charging at XXXX charger in XXXX. I have called XXXX almost every day since day of pick up to ask about loan being paid for original amount {$56000.00}. No one can help me and I go in circles and get transferred with no solution. I have now made {$4000.00} in payments and paid {$570.00} in interest. I would like this all paid back to me. The more time goes on the more money I am throwing away on a vehicle not even in my possession. I would also like the {$500.00} deposit back because there was false advertisement on the original sale of the vehicle. This loan is with XXXX XXXX. I do not understand why they have not paid this yet if its with their own company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I sent Portfolio Recovery Associates a debt validation letter on X/XX/2017 for XXXX accounts they report for me. Their response was to send me 'validation ' dated X/XX/2017 that is not the same amount owed that is showing on all XXXX of my credit reports for XXXX companies. The date opened in their validation is also not the date listed on the credit reports. The account type is also different on each report, and they claim to be a 'factoring company ' on XXXX for XXXX accounts. They are reporting monthly as if they are a lender, and have varying 'past due ' amounts on various reports. In all, for XXXX of these accounts Portfolio Recovery Associates have failed to validate the debt as correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: Experian Information Solutions Inc.
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 apply for my Experian credit report annually via XXXX. For the past 3 years I have been unable to access my Experian Credit Report through XXXX. Per Experian, it is an XXXX website problem. As there is no telephone number that allows me to speak to a person, I must e-mail XXXX, which I have done numerous times over the past 3 years. To date ( XX/XX/XXXX/2017 ) no response. I suppose that I could request a credit report by phone through Experian, however, that seem to defeat the purpose of XXXX. Would you be so kind as to assist with my proble. 

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 2017-12-27
Company: Experian Information Solutions Inc.
State: HI
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 first contacted Experian on XXXX XXXX, XXXX about my account showing a bankruptcy with the verifying contact being the U.S. Bankruptcy court of XXXX. I then wrote to the Courts to verify this information and they sent me a letter saying that " WE DO NOT REPORT TO THE CREDIT BUREAUS ABOUT ANY INFORMATION FOR CONSUMERS ''. they responded by saying they now confirmed the information with a 3rd party company names XXXX. 

I wrote to that company on XXXX and received a letter from them saying it was reported incorrectly and will be removing it from their records. 

on XXXX I then wrote back to the Experian people with information from the courts and not reporting that information to them as well as the NEW Information i Received from XXXX about taking the bankruptcy off of their records. 

For good measure, I then wrote to Experian once more with all INFORMATION FROM THE BANKRUPTCY COURTS AS WELL AS THE XXXX COMPANY ON XXXX to which I am holding as a response once again from EXPERIAN saying they VERIFIED THE INFORMATION TO BE CORRECT FROM XXXX I ASK YOU HOW CAN THAT BE AS THERE IS NO SUCH INFORMATION FROM XXXX XXXX. 

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 explanation