BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-01
Company: ProCollect, Inc.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I contacted ProCollect about a month ago and requested they stop calling my mobile phone and to contact me via postal service. I still receive calls and voicemails from ProCollect.

Also, I sent the them information and requesting a copy of a contract showing my signature that I owe ProCollect {$530.00}. I advised in the letter I sent that I do not owe ProCollect and never went into business with them. I requested they delete all information on my XXXX, XXXX, XXXX credit report because I never signed a contract with them and they are reporting inaccurately. 

They did not delete the information and they did not show me a signature from myself showing I owe ProCollect.

However, that ProCollect sent me paperwork sent to them by the company that paid them for my account information.

I attempted to resolve this issue, but not successful.

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 2019-09-04
Company: WELLS FARGO & COMPANY
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX and XXXX, I made payments of {$500.00} and then {$250.00} to a seller I found online for some jewelery. Fast forward approximately a week and it turned out that he couldn't do it. So when I asked him for a refund, he told me to call my bank and blocked me and deleted all his accounts. So I opened claims for it through my bank, Wells Fargo and I told them that I had screenshots to prove that I was scammed. They told me to save it for later, so I did. Claim numbers XXXX for the {$500.00} charge and XXXX for the {$250.00} charge. I called them today to check in and they said it was closed already because I technically sent the money. That's not fair. I got scammed out of {$750.00} and when I told them I had proof, they asked me not to send it and to wait. I would appreciate it if you could help me get my money back from them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31
Company: Experian Information Solutions Inc.
State: DE
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:
After a divorce in 2016, My ex wife has continued to obtain new credit in my name. I have disputed many accounts, address 's and alias 's that appear on all 3 credit bureaus only to have them respond with " we need proof ''. There not my address 's not names I have ever gone by and not my debt! Despite going to the police to have it stopped and filing complaints with local law nothing changes or helps I have a score so low Im really just stuck. I can't even buy a car without 40 % interest. This is insane!

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 2018-08-15
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX has agreed to remove their accounts from my credit report. This is the second request that I have submitted to have this negative information removed. see attached letter I am now demanding that this account be removed in the next 3-4 days.

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 2018-08-15
Company: Santander Consumer USA Holdings Inc.
State: TX
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:
XXXX  has been non-compliant with removing the unverified account SANTANDER CONSUMER USA XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that SANTANDER CONSUMER USA was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15
Company: Pinnacle Credit Services, LLC
State: TX
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:
XXXX has been non-compliant with removing the unverified account PINNACLE CREDIT SERV XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX  have both completed their research and determined that PINNACLE CREDIT SERV was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
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 is missing that should be on the report

Complaint:
i currently have a credit card with XXXX XXXX, the card is the XXXX credit card and the credit line is XXXX. This information is missing from 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 2018-08-15
Company: DISCOVER BANK
State: IL
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:
I made a complaint recently about Discover card personnel starting a dispute in XX/XX/2018 without my knowledge or consent that caused me great distress, much time and trouble and concern. That has been resolved and the company acknowledged it erroneously started an unwarranted, unauthorized dispute. Despite this, I received a letter from Discover card, dated XX/XX/2018 that stated that they were " happy to continue our investigation of your disputed transaction ... '' The case number is XXXX regarding a {$58.00} charge on XXXX. The problem is that I did not make this purchase, was not informed of a " dispute '' until I received this letter, and once again, was not a party to a dispute begun by Discover car " on my behalf '' nor did I authorize any dispute to be begun - again! I called Discover and it turns out that this was ANOTHER MISTAKE on their part and the dispute referenced in the letter was, according to Discover card, for another customer. I also received a letter that same day, also dated XX/XX/2018 from Discover that directed me to call their XXXX number because " they wanted to discuss important information about my account. '' Again, these two letters and situation have caused me great concern and distress. I absolutely can not believe that Discover card made these serious errors two months in a row on my account, which I have had for decades without incident. It is obvious that Discover card has a very serious quality control problem as regards unauthorized and mistaken disputes and mixing customers up. They need to be called to task for this. I am losing confidence in my credit card and wonder what Discover card is going to do to my account next - more disputes and mix ups? This is inexcusable - twice!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-15
Company: EQUIFAX, INC.
State: NC
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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX, I submitted an investigation request to the credit bureaus. Over 30 days have passed, but I have not yet received my responses from Equifax and XXXX XXXX. My wife and I submitted our request together. She has already received her responses but I have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15
Company: PNC Bank N.A.
State: IA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
SCRA request made XX/XX/18 to XXXX that included my request, a copy of the service members XXXX, our address and name. I received a letter dtd XX/XX/18 again requesting a copy of the XXXX. I again emailed them to the company. I do not feel our request is being timely fulfilled. There has been no resolution to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: EQUIFAX, INC.
State: TX
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:
Ive disputed several times to XXXX, Equifax, and XXXX about XXXX XXXX.Ive sent the errors reporting across all three.Payment history on Equifax section is reporting 120 days late and XXXX is nothing reported, XXXX shows co.Equifax is the only one with a payment date of XXXX.The other two no payment.Also different active date. They just keep updating it with no changes which means they are not even investigating.They are saying this meets the FCRA requirements which is not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
Company: Security Credit Services, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX main XXXX fax XX/XX/2018 VIA CERTIFIED MAIL RETURN RECEIPT REQUESTED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX XXXX. 
XXXX XXXX XXXX, XXXX XXXX XXXX : Security Credit Services , LLC Assignee of XXXX XXXX XXXX ( XXXX XXXX ) v. XXXX XXXX ; Case No. XXXX ; XXXX County Justice of Peace Precinct No. XXXX Dear Sirs : I represent XXXX XXXX. We have become aware that XXXX XXXX filed the above- referenced lawsuit on behalf of Security Credit Services , LLC . Although XXXX XXXX has not been served ( he has moved from the address you apparently have ), he is aware of this case.

Please be advised that the debt that is the subject of this case is not XXXX XXXX ' debt. XXXX XXXX never purchased jewelry or incurred credit with XXXX XXXX XXXX or XXXX XXXX. He does not live in XXXX, never shopped at XXXX XXXX and never authorized the use of his credit at XXXX XXXX. In fact, a couple of years ago, XXXX XXXX received a telephone call from XXXX XXXX about this debt and explained to them that they had a wrong person and that apparently XXXX XXXX had been the subject of identity theft. 
Accordingly, we demand that you immediately file a Motion to Dismiss the case with prejudice, immediately remove all negative activity with all credit reporting agencies and cease any further collection efforts. If XXXX XXXX is forced to defend this lawsuit, he will seek recovery of all expenses, including legal fees, expenses incurred in connection with repairing his credit and all other damages to which he may be entitled due to your erroneous reporting to the credit agencies and the filing of this lawsuit. XXXX XXXX will also report this action to the Federal Trade Commission and the Consumer Financial Protection Bureau. 
Please forward file-stamped copy of the Motion to Dismiss and evidence of corrected reporting to the credit agencies to this office within ten days of the date of this letter. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) XX/XX/2018 Page 2 Thank you for your prompt attention to this matter. Sincerely, cc : XXXX XXXX XXXX XXXX XXXX The jewelry store received the certified letter and to this date has still not dismissed this case. I have been contacted by XXXX at XXXX XXXX who for additional fees will get this case dismissed. She is aware of this mom and pop jewelry store because other clients had their credit violated even though like me had our credit blocked from all three credit agencies. 
XXXX XXXX new address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18
Company: Ad Astra Recovery Services Inc
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
XXXX XXXX, the lender in question, claims that I applied for and received a loan in the amount of {$300.00}, ( {$250.00} plus {$45.00} finance charge ). I have applied and received loans from XXXX XXXX in the past few years, and never had any problems at all, until now. I don't understand what happened. I took out a loan from them back in XX/XX/XXXX, to be repaid by my bank, XXXX XXXX XXXX on XX/XX/XXXX. As you can see in the enclosed bank statement, ( highlighted in yellow ), XXXX XXXX debited my account in the amount of {$300.00} as agreed, on XX/XX/XXXX. It was the way XXXX XXXX and I conducted business ; I applied for {$250.00} loan, and they would debit my account on the 3rd day of the following month, period. I never had any issues with regards to not paying my loans with them. 
The loan I took out in XXXX was the last loan I obtained from them. No other loans were taken out. I attempted to take out more loans back in XX/XX/XXXX,  but they denied my requests stating that a loan was " not paid '', and that I had an outstanding balance of {$300.00} which had to be paid right away. I had no idea what they were referring to. I tried talking to them, to their manager at the store location, but they told me that the loan had to be repaid. I still do not understand what happened here, or why they're claiming that I owe such alleged loan. I have inquired with my bank, XXXX XXXX XXXX, to see if maybe I overlooked something, but they have had not " requests for payment ( s ) from XXXX XXXX   since the last payment was debited on XX/XX/XXXX. NO REQUESTS WHATSOEVER from XXXX XXXX. If I had in fact, taken out any loan ( s ), I'm sure XXXX XXXX would have had no problem debiting my bank account. At this point I do not know what to make of this matter. I am assuming that someone at the store location with XXXX XXXX made a mistake, because I have not taken a loan since the date above mentioned. One more thing, the name of the XXXX XXXX representative who signed the alleged contract at the alleged time of the loan, I do not recognize, since I remember most of the clerks ' names at this particular store location.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18
Company: Credit Karma, LLC
State: NE
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:
Credit Karma refuses to update information on credit file # XXXX and # XXXX We have 2 mortgages. The house mortgage is not listed since 2016 after Bankruptcy.

Main resident not included. Does not show active on Credit Karma. Why? Balance owing {$58000.00} XXXXXXXX XXXX XXXX also with XXXX XXXX XXXX a remodeling loan balance of {$9700.00} balance. STILL OWING ON BOTH LOANS AND CURRENT. PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
A debt validation letter was sent out on XX/XX/XXXX asking portfolio recovery to validate debt that ar reporting on my credit report and in response they only could only send a letter stating they had verified it their records but not provide physical validation proof therefore I didnt get proper validation of the debt they are saying is owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
I am Submitting this complaint with the CFPB due to Experian NOT being in compliance with the law of the FCRA section 609 ( a ) ( 1 ) ( A ). you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. On XX/XX/2018 I sent a dispute letter to Experian on XX/XX/XXXX, I received a letter back of dispute results stating that the company that reported the information certified to Experian that the information was accurate. I went back to the original company/ courts and a administrator told me that the court does not provide any information to the Credit Bureaus. I also was informed from the court administrator that the 3 major Credit Bureaus gather or claim to verify information from a program or companies called XXXX, XXXX, and XXXX. According to the FCRA this is NOT verification because neither one of these companies are 100 % the ORIGINAL furnisher of these records! An with Experian doing this it goes against my rights as a Consumer.Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed. I demand that with my supporting documentation from the original furnisher that all public records be deleted and blocked from my Credit Report immediately. 

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 2018-08-15
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Chase Bank has closed my checking and saving accounts without my consent. When I ask the reason, they refuse to give me the reason. I have even called the bank 's headquarter and still don't give me a reason or explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a collection letter yesterday. I have no knowledge of this account. I have never received a regular bill and now its in collections. I'm also when I called to verify they have the wrong date of birth for me in their system and on the documents. This is not my debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hi I don't know where to go at this point I herd that you guys would please be able to help me. I am knew to XXXX XXXX and seeing my score and what is showing on my score, trying to fix and better my life for my family. I see something from Syncb/Walmart not once but twice. Also the XXXX XXXX not to mention I have a XXXX XXXX XXXX account that is currently active and I have never applied for nor have this car, that someone is still using, I have tries emailing XXXX XXXX about all this and even XXXX XXXX XXXX and the other companies no one can give me and answer. I just don't understand I never applied for any of thay and can't figure out who or where to go at this point. Espasilly because there's an active card I am not even using. Is this a scam identify theft I don't get it. I would truly appreciate it if you were able to help me. Thank you so much

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 2018-08-15
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX, I modified my home equity loan with Chase Bank and established a monthly payment system with them that would automatically withdraw my account for a monthly installment of {$490.00}. 

In XX/XX/XXXX Chase withdrew all of the money I had in my account ( amounting to {$2000.00} USD ) without notice or warning. After speaking with a representative, they informed me that their system had committed an error in establishing a payment arrangement and that the installment they were withdrawing was insufficient. They then demanded I pay {$60000.00}. 

As a result, my credit score has been severely negatively affected for complying with Chase 's agreement and are refusing to establish my score.

Company response to consumer: Closed with explanation