BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-09
Company: Law Office of Michael J. Scott, PC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
This company has put a writ of execution on my bank account on XX/XX/XXXX and is holding it for 30 days. This credit card debt is 10 years old and prior to this in XXXX there was a lein that was put on my property for this debt in the amount of {$1600.00}. 
So when my bank emailed me saying my bank account was at a negative I called this company the very next day because I never received and email from my bank until the evening. Now this company is saying I owe {$3200.00}. All of a sudden not only are they trying to collect on a debt that already has a lein but also a credit card debt that is 10 years old and I am sure that my last payment made on this credit card was about 11 or 12 years ago. I have all documents required to support this. I did call them immediately and said how can you collect for a credit card debt that has a lein on my house already and also for something that is 10 years old. Of course they said they can and then they cant discuss anything until my 30 days was up.

I may be wrong but a Judgement lein is only good for 5 years on your property and this was not renewed. So this company is collecting for a debt that is 10 years old. I also believe that credit card debt in Pennsylvania has a statue of 6 years from the last payment made which I'm sure was in or around XXXX???

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: EQUIFAX, 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 purchased a house on XX/XX/17 that had existing XXXX service and had constant issues with the service with phone lines and televisions being down. They changed the status of our plan multiple times from being out of contract to being in without my authorization. There service reps missed multiple appointments to repair issues. We had to cancel service eventually and disputed the charges they said we had. They still went and reported it to the credit agencies as a derogatory in collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: Experian Information Solutions Inc.
State: CA
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 sent a letter addressed to the Credit Bureaus last XX/XX/XXXX requesting that the Credit Bureaus conduct an investigation and correct the information being reportied by the furnishers. I have also sent letter before the said date and have been waiting for the Credit Bureaus to responf and yet they have sent me nothing. The 3 credit bureaus must validate these accounts in line with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX DE XXXX Balance {$1200.00} Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$270.00} Date opened XX/XX/XXXX XXXX XXXX XXXX  XXXX Balance {$1800.00} Date opened XX/XX/XXXX 2017

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 2020-11-12
Company: Bread Financial Holdings, Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Victoria Secrete ( Comenity Bank ) is reporting inaccurate late payment on my credit report that varies from bureau to bureau. This is incorrect as my payment was not late. I made a payment on the phone with a representative in which numbers were transposed and the payment returned back unpaid in XXXX. After noticing it never attempted my account I called to question what was going on. At that point the rep apologized and I resubmitted a payment and monitored my account to make sure it cleared. The very next month, Victoria 's Secrete closed my account. When I tried to call and dispute the late payment status with Victorias Secrete, it automatically disconnect the call with a recorded statement that says, " our records show that your account has a XXXX balance. If you are calling to reopen your request can not be completed. THEN A BUSY SIGNAL. I finally was able to log into my account and open up a chat and was told to mail a letter about the dispute. I have mailed letters on 3 different occasions. On Monday XX/XX/2020, I spoke with a rep from Victorias Secret who again said she was unable to help me and I needed to mail yet another letter. To not be able to work the dispute out with the company and for Victoria Secrete to randomly select months to show a late payment that varies from bureau to bureau is terrible customer service and against the law ( SEE CREDIT REPORT ATTACHED TO VALIDATE THE DIFFERENCES )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I opened an XXXX XXXX XXXX XXXX Credit Card to pay off a USAA XXXX XXXX card. 

XXXX sent a check to XXXX XXXX with my account number on the check. The check cleared XX/XX/2018. USAA continues to claim they have not received the check. 

The USAA XXXX XXXX even shows no balance on my credit report but USAA still claims they don't have it and continue charging me interest!!! 

I have called on multiple occasions for weeks. I tried to send them a copy of the check, they finally ( a week later ) gave me a fax number to fax the cleared check ( fax went through fine ) but when I call, no one has seen the fax or the cleared check. 

The customer service people keep saying it is not their problem, the check never got to them. They even told me there are notes on the account that XXXX cashed it, not them, when it says both XXXX on the cleared check AND XXXX XXXX and XXXX and XXXX. XXXX   are the same thing ( a quick XXXX search told me that ). 

They told me to have the other bank look into it, I told them did, they sent me the check so YOU could track it. Now, they claim once again they are looking into it. Meanwhile, they continue to charge me interest so I am carrying two {$10000.00} credit cards. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20
Company: Kriya Capital, LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX they tell me they want to to speak with me that it's a business matter I told then I dont owe them any money and they keep calling every morning they are scamming people

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06
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: Account information incorrect

Complaint:
experian is reporting a late payment on my XXXX  XXXX XXXX loan. I have diputed this and they have not provided me the information on how they verified their informaiton or the employee information they spoke with at the company who verified this informaion. Therfore should be updated as no late payments.

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 2020-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
XXXX XXXX  is reporting a balance of {$280.00} on a closed credit car account. How can there be a balance on a closed account? The account was paid off years ago and this information they are reporting is inaccurate.

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 2017-11-30
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
A medical procedure was performed while I was under workman 's compensation insurance in XXXX XXXX. There was a billing error and the insurance company never received or paid the bill for XXXX ( XXXX XXXX XXXX ). I was overwhelmed with the circumstances and unemployed by the time I received the bill. I did not pay the bill and the bill went to a collection agency ( XXXX ). Eventually that debt was picked up by Pressler & Pressler of XXXX, NJ. Pressler and Pressler 's attorney, XXXX XXXX XXXX, filed a Notice of Motion Turnover and seized assets from my bank account in the amount of {$1600.00} in XXXX XXXX. This was done through a Civil Action of XXXX XXXX XXXX vs. me. The original judgement was for {$4.00}, XXXX plus costs. I was unable to pay this bill or hire an attorney. In XXXX, when I found work again, Pressler & Pressler went back to court and filed a Wage Execution and continued to take money to cover the bill as well the fees they continued to create. Pressler and Pressler refused to communicate via email and always talked on a recorded line. Pressler and Pressler took over {$4000.00} of my money. I have recently called XXXX ( the company holding the debt ) they informed me that my balance is still unpaid. 

Eventually when I secured employment again and got my life back in order I called XXXX XXXX XXXX and they informed me they would have worked with me on the bill. That amount is what they charge insurance companies and rarely get the total amount so they also would have settled for less from me. XXXX XXXX XXXX is using a new computer system for billing and they are unable to produce the original bill for me. 

In the summer of XXXX, I found out that I was covered by workmans compensation insurance during the time of this procedure. The workmans compensation insurance company was willing to reimburse me what I paid out of pocket to Pressler and Pressler, but they needed to see the original bill. I have contacted Pressler and Pressler as well as the XXXX company and neither will provide the original bill for which they took my money. I am at a loss and feel extremely taken advantage of by Pressler and Pressler.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: World Acceptance Corporation
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
World Finance Corporation This company has stated that I last made a payment in XXXX of XXXX which is incorrect the last payment they received was in XX/XX/XXXX. They are reporting fasley to both XXXX and XXXX. I need a debt validation showing a payment was made they are also reporting to all bureaus each month. Which is hurting my credit. I have sent this company several letters and have asked them to stop reporting false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: EQUIFAX, 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:
I am writing to delete the information in my file. The items I need deleted are listed in the report. I am a victim of Identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity theft affidavit. I have made several attempts to have these accounts removed from my report to no resolve. A timely follow up on this mater would be great, as this is causing trauma to my mental health. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house and a car to provide for me and my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20
Company: JPMORGAN CHASE & CO.
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
My Chase Credit Account was closed on XX/XX/XXXX. I was notified on XX/XX/XXXX when I was trying to buy something and was declined, then tried to contact Chase, that the account was closed. However ... 

On appx. XX/XX/XXXX, I contacted Chase to make a {$600.00} payment, ( I owed them XXXX on 0XXXX  ) since it was past due. I was successful making this payment go through, and my balance was updated to {$490.00} from {$1000.00}. However, Chase at that date NEVER told me my account was closed or in trouble. I did explain to one of the specialists whom she took care of me, that, I apologize that some of my payments never went through, because I was out of country, and my debit card, or account, was basically not working, but I didn't know when I was in XXXX. 


I contacted Chase today, yesterday to get more clarification regarding my account. And I also apologized to them for any inconvenience and hoped my account was reinstated. However Chase wasn't willing to help. I didn't get a straight reason why my account was closed, and I should have been notified when I called them at XX/XX/XXXX, when I was making the {$600.00} payment. I would have only made the {$80.00} payment, knowing at that time my account was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20
Company: EQUIFAX, INC.
State: MD
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:
On XX/XX/2017 {$25000.00} consolidated loan reported that doesnt add up to what was ever disbursed to me. Ive reached out to XXXX to investigate my account with no help. Also, they have reported incorrect balances amd late payment. I have no idea where these amounts are coming from. Ive reached out to my schools and to ger a copy of disbursements and billing to match with navient and it looks to be fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
On XX/XX/2017 {$25000.00} consolidated loan reported that doesnt add up to what was ever disbursed to me. Ive reached out to XXXX to investigate my account with no help. Also, they have reported incorrect balances amd late payment. I have no idea where these amounts are coming from. Ive reached out to my schools and to ger a copy of disbursements and billing to match with navient and it looks to be fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
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: Information belongs to someone else

Complaint:
I have been a victim of identity theft and the inquiries I am disputing were never done by me neither anyone I have authorized, these inquiries were never authorized and therefore must be removed in accordance with the FCRA section 605b. I have read enough to understand my rights and according to the FCRA section 605b the Credit reporting Agencies are required to remove any accounts and information that resulted ue to identity theft. I am now submitting this compalin to you today to request for the Credit Bureaus to remove the followiing inquiries completely from my Credit File : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX 2022

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 2019-06-11
Company: Paypal Holdings, Inc
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My wife has linked a debit card from my checking account to her PayPal account. She recently filed a dispute when someone had sent back an item merely because she did not want it anymore. Approximately 371 dollars a and change was charged to my account even after my wife had the dispute resolved in her favor. It seems PayPal reversed it giving no reason but my issue is that the account charged is mine and mine only. The PayPal account is my wife 's, I have nothing to do with that. The amount was taken out today, XX/XX/2019 when the matter had been decide in my wife 's favor about one week ago. My concern is PayPal is using deceptive practices and charging a debit card which is under my name, account and all, and my name only, on an account that is not mine buy my wife 's and hers only after refunding the money a week prior. I've contacted my bank but they are still attempting to see if they can resolve the issue being that the PayPal account is not mine but the payment method is, which I did not authorize. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have this police report where I stated that I lost my bag with my cards & IDs inside. I am a victim of identity theft. The fraud activity was made on {$14000.00} and a balance of XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: Experian Information Solutions Inc.
State: OH
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 contacted Experian several times regarding inquiries that I didnt initiate. I would like for these inquiries to be removed and I would like proof of the inquiries listed below. 

XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX / XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX / XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2021-09-20
Company: EQUIFAX, INC.
State: MI
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:
I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and I need a compensation per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am a victim of Hurricane Harvey that happened XXXX-17 in XXXX, Texas. The insurance company sent of check in the amount of approx. {$37000.00} to repair my home and the contractor estimate is approx {$53000.00}. The Carrington mortgage servies company will not release the funds to have the company start on my home. The insurance is taking care of the difference. Please advise in correcting this matter. My home is not livable and I can not continue to pay for rent and mortgage in two places. Also if I am to pay for insurance through my escrow why would the Carrington mortgage servicers company put something that I am paying for in their name and is that legal. Today is XXXXX-17 and my home is still a disaster. I have called numerous times to at least get clarity of when the funds would be dispersed for my home repairs. The staff is unpleasant and unhelpful. I am tired and frustrated with no help. Thanks in Advance XXXX XXXX, XXXX  XXXX

Company response to consumer: Closed with explanation