BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-30
Company: Kriya Capital, LLC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Theres an account listed on my report from credence resource listed on my credit report for XXXX XXXX this is not and has never been my account this is fraudulent. This is my 5thtime disputing this account only to have it removed from my Breaux and sold to another company

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27
Company: Empowerment Ventures, LLC
State: CA
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
I have a Rushcard and as of today I still do not have access to my funds. I have called numerous times and have been given false information. On XXXX occasions, I was told my card would be unblocked in XXXX hours. I was also given conflicting stories by customer service agents and put on hold for long periods of time or hung up on.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-28
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
NOTICE TO CARECREDIT/SYNCHRONY BANK. THIS IS A FINAL WARNING TO STOP YOUR ILLEGAL, FRADULENT, UNLAWFUL AND ABUSIVE PRACTICES. FALSELY MISLEADING AND COERCE ME INTO PAYING AN ALLEGED DEBT I DO NOT OWE. ANYONE WILLFULLY AND KNOWINGLY VIOLATES MY CONSUMER RIGHTS SHALL BE LIABLE FOR HARM AND INJURIES CAUSED BY SUCH ACTION.

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 2019-06-24
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: Account status incorrect

Complaint:
I am in the middle of a home purchase! I consolidated my student loan through XXXX. This is good! However, when it came to the XXXX reporting it has been a horrible experience. XXXX first reported to the bureau that the loans were paid. This reporting shows in my positive section. However, Instead of XXXX reporting that the loans are paid, closed due to consolidation the loans are reporting twice. They also report that the loans are closed which has a negative impact and the loans are listed as an negative item. This has caused my score to drop significantly 30-100 points on each of my reports.. Then finally they report the new consolidation as a NEW loan. The loans are reporting as closed. Not closed & paid, or consolidated. This is unfair to the consumer. They are making 3 different reportings all for one transaction. I am unable to close on my home. I have worked over a year to get this report in order and have succeeded. Please help as I am certain that XXXX is causing multiple customers this pain. I have reached out to XXXX  by phone as well as letter. I was informed that this is how they report. 

I have included a statement of my XXXXt account. Also, the date they have listed as my new account date is incorrect. The XX/XX/2019 date is the pay off date for my loans. 

Thanks

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 2021-10-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/XXXX, I responded to a letter about credit cards from XXXX XXXX. XXXX XXXX sold the account to Portfolio Recovery and I advised them that the amount claimed owed from XXXX XXXXXXXX was inaccurate because payments/refund from a cancelled cruise in XX/XX/XXXX was credited to the account. I also wrote to XXXX XXXX in XX/XX/XXXX. Both responded as if no payments were returned to XXXX XXXX. Portfolio Recovery provided copies of billing statements up to XX/XX/XXXX, and did not provide any statements showing credit/payment for the cancelled XXXX cruise. 

I just discovered that Portfolio Recovery have reported the account to XXXX even after failing to validate the amount owed during the validation period,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Back in XXXX, 2019, I discovered that my personal information has been misused by an act of an identity theft crime. The problem was reported to all three credit bureaus as soon as I discovered fraudulent financial activities using my personal information. 
Exactly, seven credit card accounts were made using my identity and I reported each accounts to credit bureaus and requested removal and suppression of inaccurate accounts ' information from my credit report. 
I successfully filed two separate identity theft reports, FTC and local law enforcement, and submitted to credit bureaus. 
Unfortunately, Experian and XXXX XXXX credit reporting agencies are not honoring official identity theft reports from two different law enforcement agencies and still reporting few fraudulent accounts ' information on my credit report. 
I am very concerned about their illegal action towards me. Neither Experian and XXXX XXXX did not submit any significant proof that accounts belong to me, and creditors did not provide any result of their investigations nor the method of verification. 
I requested to see who approved these accounts, who witnessed myself creating these account, and who witnessed using these accounts for myself. 
Both parties are violating FCRA and continuing to post inaccurate accounts ' information on my credit report. 
Please advise them to remove all of fraudulent accounts that are currently being posted on my Experian and XXXX XXXX credit report. I will attach each copies of police report and FTC identity theft report to CFPB. 

XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX  XXXX  XXXX These accounts are still being fraudulently reported on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26
Company: Atlantic Credit & Finance, Inc.
State: AR
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:
Out of the blue a month or two ago I started receiving several phone calls per day including calling my place of employment from them. It was non stop calling every day. I called them back and would always end up leaving a message. A couple of time I would be on hold for over 10 mins until I was able to speak with someone. I did speak with XXXX. Soon as I was on the phone with her she immediately said that there was going to be a lawsuit against me for a unpaid debt/sending it to an attorney in my state. Then as we went further into the conversation she asked alot of personal questions as to why I had the debt. It was to the point where I felt very uncomfortable with talking to her. I felt like she wanted my life history and it was just to personal for her to know that information. As I was setting up a payment plan, she wanted my bank account and my debit card information in which I felt was unnessary. They only would take auto payments. But I gave her my bank account information. I also got two letters from them before speaking to them. I do not believe that their business practices/way of collecting debts is professional. It was threatening.

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 2023-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 Have no knowledge of this account and my name was fraudulently used to open this account in the amount, I am requesting that you investigate this matter and to correct this inaccurate information.

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 2022-12-03
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit recovery act XXXX  account has violated my rights, # XXXX, 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency cannat-furnish a account without my written instructions.

186 15 USC 1666B : A creditor may not treat a payment on a credit card account under c.n open end consumer credit plan as late fore purpose.

ossalloI 2541

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 2023-06-27
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My brother died on XXXX XXXX, XXXX. He had an apartment in the District of Columbia. I am my brother 's last surviving kin and also the Personal Reprentative of his Estate in the DC Probate Court. I was not named the Personal Reprentative until XXXX, at which time I began trying to get through the process of Truist Bank 's Morgage Department to take over the loan. I learned from my brother 's credit report that despite being advised that my brother had died ( after I sent them his Certificate of Death ), on XX/XX/XXXX, Truist Bank closed my brother 's account and began the process of trying to Forclose. They would not communicate with me for months, despite my calling over 20 times, submitting all of the necessary paperwork, and trying to make payments. Then, in XXXX, they informed me that the apartment would be scheduled for a Foreclosue Sale. They finally gave me the name of the " XXXX XXXX XXXX '' that I needed to contact to deal with the situation. They forced me to make the payment below on XXXX XX/XX/XXXX, which I did. 

Payments : {$14000.00} Late Charges : {$740.00} Total : {$15000.00} Corporate Advances : {$1100.00} Title Costs : {$170.00} Attorney Fees : {$960.00} I was told the loan would be " reinstated. '' Its been almost two since I made the payment to reinstate the loan. I tried making a payment on XXXX and XXXX XX/XX/XXXX. On XXXX XXXX, I was told it had be reinstated by the Mortgage Loan rep, but that it still had to go through additional processing. On XXXX XX/XX/XXXX, I was told it was back in Forclosure. 

If Truist Bank is doing this to me, I believe they must be doing to others. When people lose a loved one, they want to grieve. I still have not been able to do so, because Truist Bank is trying to steal all of the equity that my brother paid into the loan. Please help.

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 2017-12-15
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX, Wells Fargo charged {$2000.00} to my XXXX XXXX XXXX XXXX XXXX from a company called XXXX XXXX , in XXXX FL. I called them and told them I had never heard of such a company and had not done any business with them. They refused to return my money and claimed I had dealt with them. There was no phone number to make any contact. I have been fighting this cause since then. Last week I was told that my time of limitation has run out BUT I have been on this case since XXXX. 

The following year on XXXX, I was charged {$1500.00} to sell my timeshare. Then on XX/XX/XXXX, the same company, XXXX XXXX XXXX, called me and hurriedly told me they needed {$3800.00} as they were selling the property. I was confused and did not realize that I had already paid them {$1500.00} earlier that year. This was charged to my XXXX XXXX XXXX XXXX XXXX. I refused to sign the contract and asked them to cancel. 
I called Wells Fargo and asked them to refuse the charge. They told me they could n't reverse it. In doing so, they accepted the scam charge rather than supporting their client who had been with them since the sixties. I received a letter which claimed I had profited from this charge. How can they prove that? Still pursuing this all these years and the time of limitations is up. They never sold my timeshare.

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 2020-07-14
Company: Financial Management Solutions, LLC
State: OH
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
FMS Financial Solutions I disputed with a 609 letter {$1700.00} XX/XX/20

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 2022-12-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

+ 15 USC 1666B : A creditor may not treat o payment on a credit card account under an open end consumer credit plan as late for propose.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XX/XX/2018 I received a phone call from XXXX, there was an automated voice that said to speak to someone about getting 9 % off credit card balance press a number. I pressed that number to speak to someone to cancel my credit card. A live person spoke to me and said I owed {$1000.00} on my card, I said I do not owe any money on my card and asked if they were with Chase bank, he said he was, I asked for his name he said " XXXX XXXX '' and then he started to swear at me vulgar things so I hung up. I then called Chase bank and reported it to them, they said the person who called me is not a representative of Chase bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: EOS Holdings, Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
In accordance with the fair credit Reporting act Convergent Account # 12345, has violated my rights.

15 USC 1681 Section 602 Sates I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can't furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
Company: Convergent Resources, 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:
Keep getting repeated robot calls from this company, Convergent, all hours of day and night. The problem is that I am not XXXX?? and do not have any bad debt.. My FICO score is XXXX and no bad credit on my file for over 30 years. The calls keep asking for a XXXX?? ( can not spell the last name ). I have called them and asked them to remove my name from call list as there is no XXXX?? at this number. They promise to do so, but calls continue. Latest call was this morning at XXXX XXXX. The number that called was from XXXX, but called ID states it is from Convergent. I have also gone to their web site and filled out the form to stop the calls, but they continue this harassment. Wish the CFPB could help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15
Company: HW Holding, Inc
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had leased an apartment for a year with my close friends. When XXXX XXXX went under new management, we came home at XXXX  and our belongings were thrown out of the apartment. We had no written letter, no eviction notice, no explanation. When we went to the office we were told that new management was taking over and that there was nothing they could do. I was young when this happened and had no idea how to handle it. Years later I got this collection on my credit but didnt believe it to be true since it wasnt a normal eviction. This was in year 2015. I was XXXX years old. Now XXXX at XXXX XXXX is trying to collect XXXX $ through a debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: Sequium Asset Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a notice from this company stating that I owed them money ; I have never done business with them. I sent them a letter requesting debt validation and verification on XX/XX/2020 via certified mail. As of today, XX/XX/2020, I have not received anything from this company validating this debt. The letter that I sent them was received. I have confirmation that they received the letter. Sequium Asset Solutions failed to comply and did not send me back debt validation, which does not show me any services rendered or what I am supposedly being billed for. Instead of sending me debt validation, they reported this negative item on my credit reports. I ask this company to only communicate with me via mail in which I have that right to do so. They have failed to communicate with my regarding this alleged debt. They are violating several laws and my consumer rights. Under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. Therefore, this should not be reporting on my credit reports until this matter is validated by providing valid and proper debt validation. I see this is how they handle others as well and this is clearly them violating the laws that are set to govern the collection process. I have all my copies of all documents sent, including the certified receipt numbers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: CCS Financial Services, Inc.
State: MA
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 have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been trying to refinance my home with the same bank where we currently have our mortgage for over 10 months. 

We have a loan to value of 29 % -- i.e. we have paid off 71 % or our mortgage on our home we are trying to refi, with this same bank. 

This delay has put a hardship on my family because we are refinancing to have a materially lower house payment. 

During this time, the mortgage company was very unclear as to who the borrower of record was, either just me, or me and my husband. 
They have even changed the borrower of record throughout the course of this ten month process - I have email correspondence detailing this lack of clarity on such a basic, important fact.

I have had to unfreeze my credit at least 4 different times, they have added additional requirements that ended up taking months, forced us to resubmit pay stubs at least 3-4 times now, full tax returns for SEVERAL years, etc.

We still are not through this simple refinance, that actually LOWERS our payment. 

They have also not honored the rate lock I made last XXXX upon INITIALLY calling the bank to refi. It was ZERO origination and ZERO interest, 2.875 %. 
I corrected them on this, and they have forgotten in all of their disorganization and are telling me I owe origination. I should have gotten all my voice conversations documented on email vs trusting them. 

They have also forgotten several times that we handle our own escrow. I have communicated this, and our current mortgage is handled this way. 

I have had it -- no consumer should have to put up with this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief