BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-01
Company: Patenaude & Felix A Professional Corporation
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I would like to file a complaint against Collection Agency, Patenaude & Felix , A.P.C., as this company has violated the Fair Debt Collection Practices Act ( FDCPA ), Section 807 ( 2 ) ( a ) " The false representation of - the character, amount, or legal status of any debt. '' The last verbal affirmation of this debt and attempt to collect payment was made XX/XX/XXXX at approximately XXXX ( PST ) by a Patenaude & Felix , A.P.C representative via phone. The company also attempted to contact me via phone on XX/XX/XXXX and XX/XX/XXXX. In XX/XX/XXXX, I was contacted by Patenaude & Felix , A.P.C., regarding a debt with XXXX XXXX Credit Card Company, Communication was written form, as well as verbal communication via phone. I was repeatedly contacted and advised that I owed this debt and needed to make payment arrangements with Patenaude & Felix to  pay the balance of XXXX. In XX/XX/XXXX, I was afraid of being sued, so I agreed to start paying on the debt. However, upon consulting with a credit repair company, I was provided with a copy of my XXXX Credit report, which reflects that XXXX XXXX reported that this debt was discharged in bankruptcy ( Page 3 of uploaded documents ). Upon further review of this same credit report, XXXX   reports that Patenaude & Felix, A.P.C accessed my XXXX credit report on XX/XX/XXXX and two different times on XX/XX/XXXX, making it evident that Patenaude & Felix, A.P.C was aware that this debt had been reported by XXXX XXXX as " discharged in bankruptcy '', yet the company continuously violated Section 807 ( 2 ) ( a ) of the Fair Debt Collection Practices Act by fraudulently misrepresenting the status of the debt, in an effort to obtain payment. In using the internet to research this company, I found many incidents of complaints, due to racial profiling and  unethical collection tactics toward individuals XXXX XXXX, which also leads me to believe that these continuous effort to collect a debt, reported by the original creditor as " discharged in bankruptcy '' may have also been racially motivated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have a lot of fraudulent inquiries that are not mine on my credit report with Experian. The inquiries that are listed on my report were re inserted without a 5 day notice which is against the FCRA. I 've addressed this issue with Experian when I sent them letters about the inquiries as well as other accounts on my report that do n't belong.

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 2021-04-03
Company: Kriya Capital, LLC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no knowledge of this company or alleged debt. I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-07
Company: Experian Information Solutions Inc.
State: FL
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:
My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting 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 explanation
Consumer complaint received 2020-10-17
Company: Experian Information Solutions Inc.
State: NY
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:
AFTER VIEWING MY CREDIT REPORT THERE ARE ACCOUNTS THAT DOES NOT BELONG. THIS IS MY THIRD TIME WRITING THE CREDIT BUREAUS ABOUT THESE HARMFUL ACCOUNTS.

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 2018-04-10
Company: BARCLAYS BANK DELAWARE
State: CA
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:
XX/XX/XXXX- Tried enrolling for an online account with barclay using credit card. 
Issue occurred, my information did not match credit card. Odd because it had my name of the credit card. So my next choose was to wait for an paper statement. 

XX/XX/XXXX Received a call from XX/XX/XXXX. Customer Service told me that my bill was past due. I never received a paper statement as to when my bill was due. I address the issue that about never receiving paper statement for bill. Lady then stated " that this is not our fault, XXXX is responsible that. '' " you do not have to pay now but the charges will increase. 
I paid the charge but felt it was not fairly handle by the credit provider.

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 2018-10-10
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
This is a secondary Complaint to Complaint # XXXX : the answer from Nissan Motor was entirely unresponsive. HEADLINE : I have, and have attached, legal Power of  Attorney. There were numerous docs sent with Complaint, but I am sending only 1 attached document. 

I ask for a responsive answer to Complaint # XXXX, base upon the fact that I possess Power of Attorney for the owner of the financial document, XXXX XXXX. 

I have submitted a Response to Nissan Motor 's Answer as being unresponsive : kindly, submit a productive answer ; or open a dialogue in order to resolve this matter and prevent further action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I WANTED TO BUY MY XXXX YEAR OLD SON A NEW CAR FOR HIS BIRTHDAY. I GOT MY CREDIT PULLED AT THE DEALERSHIP. THERE WAS STUFF ON MY CREDIT THAT I HAVE NEVER SEEN BEFORE. PLEASE REMOVE THESE THINGS FROM MY CREDIT

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 2021-04-03
Company: Experian Information Solutions Inc.
State: IA
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:
Fraudulent inquiries outside of XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/2020 and XXXX XXXX XXXX in XX/XX/2020. The bureaus have refused to remove these even after several disputes and phone calls with 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 non-monetary relief
Consumer complaint received 2021-04-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
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:
Capital One is reporting an erroneous debt on my credit file. I recently looked at my credit file and noticed this debt reporting. I immediately called and settled this debt. I was never aware that I had this debt with Capital One as I never received phone calls, mail or correspondence from them. I ask that Capital One removes this account for violation my 30 day right to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
The interest rates were capped by the US prime rate. I understand that I had a variable interest rate loan however at different times during the course of the last 11 years I was charged much more in interest than what was the " prime rate ''. My lender has indicated that the rate is set by the lender however my promissory note indicates differently. I was charged late fees at {$5.00} per month while the loan was in " in school deferment '', the loan was capitalized 7 times from XX/XX/XXXX-XX/XX/XXXX equaling almost {$4000.00}. This loan originally started as a {$6000.00} loan. At one point the balance was over {$13000.00}. That is over 100 % interest in the last 11 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: LoanCare, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
LoanCare via XXXX XXXX XXXX has reported to the credit bureaus that I am four months behind on my monthly mortgage payments. They failed to pay my county property taxes and they have stolen my surplus escrow money and failed to apply this money to any of my monthly mortgage payments. For more than nine months I have emailed, written letters, and called them attempting to resolve the matter. I have made the payments that they are reporting as behind. I provided proof of the payments with the transaction dates from my bank statements, I sent them the check numbers, amounts, and dates my bank processed the checks, but they refuse to correct their records. I am a 100 % XXXX XXXX XXXX veteran. My property tax was reduced based on my XXXX, so I had a surplus in my escrow account. XXXX XXXX, XXXX kept the money, but their records do not reflect they applied the funds towards any alleged delinquent payments. Here is my information. 
XXXX XXXX : XXXX XXXX XXXX XXXX XXXX GA, XXXX LoanCare via XXXX XXXX, XXXX loan number : # XXXX, and phone - XXXX, email - 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 2021-08-12
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

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 2022-01-07
Company: EQUIFAX, INC.
State: FL
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:
My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: Commonwealth Financial Systems, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I need validation of this debt. My insurance company has paid any outstanding medical bills. I have no recollection of this debt. It is on my credit report and I've never recieved a bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: JPMORGAN CHASE & CO.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I called Chase today to close my account again since I asked them to close last XXXX. Instead of closing my account with only {$1.00} or something, they keep the acct open when it was not supposed to be open. I closed it last XXXX. Chase charged me twice for XXXX and XXXX when I have NOT used Chase online or account at all knowing I have no money there and asked them to send me the rest through address. They did not and keep it open. They charged me intentionally. 

Today, I asked Chase to close it again ... they refused to close because of the negative balance. Negative balance was not on my part but from their part, they did it intentionally to charge me when I have not used online or their website or my acct at all until today, so that was when I learned I have negative balance. 

The reason why I wanted to close with Chase is because they did not accept a credit card I wanted to have to improve my credit score.  Instead of helping me, they did not approve and did they really expect me to keep Chase who denied my application for Credit Card? No. So I asked them to close but they did not and refuse to close TODAY just cos of negative balance which was done intentionally. My bank with XXXX XXXX  XXXX XXXX does not charge me at all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
someone used my information'identity theft

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 2021-04-03
Company: JPMORGAN CHASE & CO.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have had a credirt card and did not receive my billfor at least one year, then it was placed in collections and I questined them. Their was an address issue, they did credit me interest charges for a year and I asked them because of their error to pay some of the principal balance. They rejected this

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-10
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: Information belongs to someone else

Complaint:
Incorrect information reporting on credit report, i need these items removed as soon as possible.

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 2018-04-10
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
In XX/XX/XXXXI called to see about some repayment options while I handled personal credit card debt. While on the phone I had been transferred multiple times and getting the same run around from every associate. I called again on XX/XX/XXXX because I was behind on my payments. Once again I get the run around and this time I am being told there is nothing they can do because it is a private loan. The associate by the name of XXXX was verbally abusive and not cooperating with me. I told her my financial situation and what I can do to manage it before it gets out of control. She continued to say there is nothing she could do to help and kept berating me. I eventually had to hang up on her. It seems there only goal is to continue to push for repayment after explaining my circumstances. I don't know where else to turn at this point. The school that I attended has since closed down. They were a for profit institution and pushed the outrages loans on myself and everyone I went to school with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: CITIBANK, N.A.
State: ID
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 have a serious injury and while getting an XXXX  XXXX, my XXXX  was XXXX  causing me to have a XXXX. I had lost my job due to performance issues due to my injuries. I had managed to keep everything partially together until I had that XXXX. I called citi to inform them of this issue before I fell behind and they told me there was nothing they could do for me. I fell behind and they started harassing me with phone calls and no one was ever on the other line to answer. I managed to get some funds together and make a payment and called to correct these issues moving forward. I found out they had charged almost {$400.00} in fees for my {$500.00} initial balance before I feel behind. The fees had put me over my credit limit causing me to accrue more fees. 

When I got ahold of the agent and tried to address these issues. She quickly waived 1 fee without my permission and asserted that she could not do anything to help me. Citi doesn't have programs to help people through hardships, but she could get me to her manager who she assured me also could not do anything. After waiting on hold for at least 10 minutes. The phone finally rings through and I hear a click and am disconnected. Due to my injuries it has been difficult to breathe or talk, so I excert myself greatly during these interactions. 

I have recieved at least 4-7 calls a day everyday, even on Sundays since I made my last payment and tried to correct this while dealing with XXXX XXXX  problems. 

.

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 2021-04-03
Company: CITIBANK, N.A.
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Citibank double charged a dispute from me after four months of investigation for the dispute. After calling their dispute apartment for several times, they always said : '' Please call us later to track investigation. '' They are stealing money! The details are below : 1. On XX/XX/XXXX, I paid XXXX {$660.00} I paid off the balance as the monthly payment so the balance becomes zero from {$660.00}. 

2. On XX/XX/XXXX, I requested dispute against XXXX for {$660.00} because I don't receive the service from them. Citibank gave a conditional credit so my card balance becomes - {$660.00} ( citibank owes me money ). 

I didn't draw the money and patiently waited for dispute result. 

3. On XX/XX/XXXX, I found the card balance becomes {$660.00} from - {$660.00} and the dispute case is marked as resolved!! How come I suddenly owe citibank money? Even if the dispute got rejected, the balance should become zero from XXXX ( conditional credit ). 

After calling them for many times, they still asked me to wait a bit as they are investigating.. So they double charged me XXXX, made it due in XXXX weeks, and then asked me to wait for months for investigation? It doesn't make sense at all. What a sketchy department!! Give me my money back pls : )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 was going over my credit report and there is XXXX XXXX XXXX which was opened on XX/XX/2018 and it is reporting as a negative account. I do not know this company. I have never done any business with them and they do not have a contract with my signature.

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