BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-12
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am sick and tired of Experian marking my complaints here as duplicates! They marked complaint # XXXX-XXXX as duplicate, citing complaint XXXX-XXXX from XXXX, which they ALSO DID NOTHING!!! If you all keep this up, I will be looking into legal means and sue for every ILLEGAL REPORT in my credit file. Your practices are ILLEGAL. You are NOT supposed to ignore disputes! Please tell me how an account concurrently reporting POSITIVE AND NEGATIVE FOR THE SAME MONTHS gets ignored!! I KEEP HAVING TO FILE COMPLAINTS HERE BECAUSE SOME XXXX AT YOUR COMPANY KEEP MARKING MY COMPLAINTS AS DUPLICATES!!!

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 2021-09-22
Company: Quality Asset Recovery LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This process and request were taken care of by me and there is no third party involved. It's been a long time of processing and making follow-ups to the Credit Bureaus and the CREDITORS with regards to my request of getting the items in question to be removed from my Credit Reports . However, I have neither heard anything from both of them nor received any kind of response. Thus, concluding me to reach out to you to ask for some assistance and help. They haven't complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that they should provide any documents and respond to the complainant within the given period of time allowed by the law. Otherwise, failure to comply with these should result in the removal of the items in question. Below is the account I am not connected to. 
QUAL AST REC ( Original Creditor : XXXX XXXX XXXX XXXX  ) QARXXXXXXXX  Balance : {$1300.00}

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 2018-09-02
Company: ZARVAD III S.A.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
Have a loan with my pay day loan dot com their interest rates are outside of legal regulations I asked my bank XXXX to stop the automatic withdrawals from my checking acct and to stop My payday loan to stop making remote checks XXXX have refused this request

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Ridiculous from Servicer and XXXX XXXX to keep paying services like Bayview for homeowner 's to keep loosing their properties and they are not doing their job. 

My Name is XXXX XXXX XXXX and I have submitted this modification on behalf of XXXX XXXX in the week of XX/XX/XXXX, I received a called from XXXX XXXX, to see if XXXX the Account Executive on this case has done anything with the documentation I had sent, he informed me that the documentation was just sitting there and that XXXX was not doing anything with it. You may reach XXXX at XXXX. 

He also suggested I should speak with XXXX supervisor. 
The letter that XXXX XXXX got today is a total violation of RESPA. 
since it does not implement any of the documentation that was need it to sent in. Either me or XXXX XXXX had received any documentation requesting additional information. Its Fraud and a lie.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: CITIBANK, N.A.
State: MA
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:
How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

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 2021-02-15
Company: EQUIFAX, INC.
State: GA
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:
In XX/XX/XXXX, I sent Equifax a dispute request regarding an unverified account from XXXX XXXX XXXX Asking to have the debt verified. I also sent a debt validation letter to XXXX XXXX XXXX tracking # XXXX which shows the debt validation letter was delivered and sigh for on XX/XX/XXXX, XXXX. After viewing a recent copy of my credit report I noticed you removed the account from my report in XX/XX/XXXX however the account was reinserted and I was NEVER NOTIFIED which is a direct VIOLATION OF FCRA. There is no indication on my account that shows I sent you a debt verification letter last month and it has been over 30 days with NO response. I CAN NOW PROVE YOU ARE IN DIRECT VIOLATION OF FCRA for FAILING to conduct a reasonable investigation with respect to the disputed information and continuing to report inaccurate information after being notified of the inaccuracies within the allowed 30 day time frame..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: ENCORE CAPITAL GROUP 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:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
Capital One Case : XXXX Merchant/Amount : XXXX XXXX {$62.00} Subsequent CFPB Case No : XXXX ( answered XX/XX/18 ) XXXX unanswered as of this writing 1. ) Merchant claims they issued a " merchandise credit '' vs. a credit to the original payment method. Merchant is incompetent and confused as the only merchandise credit or gift cards used at the merchant were XXXX presents. 

2. ) Merchant has not adequately explained as of yet as to why they would issue a " merchandise credit '' and not credit the original payment method utilized. 

3. ) By way of this complaint, I will continue to exercise my rights under the credit card billing dispute guidelines. Specifically, " Your Rights if You Are Dissatisfied With Your Credit Card Purchases ''. I've already attempted to correct the problem in good faith with the merchant. Further, under this right, all of the following are true : - The purchase as made in my home state or within 100 miles of my current mailing address, and the purchase price was over {$50.00}. 
- I must have used the credit card for the purchase. 
- I have not yet fully paid for the purchase. 

4. ) Lastly, the merchant failed to mention that the " bill to '' and " ship to '' address were different on the original order. Additionally, the merchant disclosure included XXXX tracking information showing delivery to the " ship to '' address, not the billing address.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
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 information incorrect

Complaint:
I called XXXX XXXX  on XX/XX/XXXX and XX/XX/XXXX Spoke to a rep that stated if I paid the 7 year old account in full they would remove it. I have paid it in full and the account still remains active and derogatory .And to add to that it also continues to reports " FP '' ( failure to pay ) which is equivalent to a late on my report each month. It continues to bring my credit scores down and is damaging my prospects of buying a house. XXXX XXXX is a 7 year old account and should not be reporting late and incorrect information.This account has continues to change balances from month to month. There are 2 derogatory XXXX XXXX account reporting to my credit report. 

XXXX XXXX is a 7 year old account and should not be reporting late, and in error. 
I would like this account removed or all errors removed and updated from my account for the past year.

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 2018-03-15
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I just checked my credit score with XXXX XXXX. 

National Credit Card Cos. Chase Bank USA , N. A. 
has done four ( 4 ) hard check 's for a Chase credit card I have never applied for a Chase Card. 

National Credit Card Cos. 

Chase Bank USA, N. A  Inquiry from XX/XX/XXXX Chase Bank USA, N. A Inquiry from XX/XX/XXXX Chase Bank USA, N. A Inquiry from XX/XX/XXXX Chase Bank Usa, N. A Inquiry from XX/XX/XXXX These hard checks are dropping my score! 

I would to get these off of my report. 

Thanks ; XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-20
Company: Selene Finance LP
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I received a letter from Selene Finance dated XX/XX/19 stating I had not paid my mortgage in XXXX and XXXX and that I was in jeopardy of losing my home. I called them and spoke with XXXX and gave him the check numbers for the checks that had been processed through my bank showing that I had made payment. He stated that they had received my XXXX payment on XX/XX/XXXX, so I asked why the letter dated XX/XX/XXXX stated they had not received my XXXX payment. He didn't have an answer. Since that day, I have had conversations with XXXX and XXXX about this situation and all they tell me is that my payment was returned and I've explained that no it hasn't. They are saying I didn't have enough money in my account and my check must have been returned. HELP! I found out today Selene has reported me over 30 days late on my credit report. I really need all this cleared up. I've never had a problem like this with any other mortgage company/servicer. I've attached a copy of my checks ( front and back ) and my bank statement showing the amount was deducted from my account, not returned for insufficient funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am currently {$100000.00} + in debt because XXXX College took out multiple loans under my name. For XX/XX/XXXX alone I have 5 loans taken out totaling {$20000.00}. XX/XX/XXXX I have 4 loans out for a total amount of {$18000.00}. I have tried contacting the collection agency where my account is in and no one will give me information other than the total loans I have. The current collection agency names, XXXX told me to contact Federal Student Aid, then I was asked to contact the collection agency for " better assistance ''. I do n't understand how you end up paying XXXX for a XXXX XXXX XXXX for a college that no longer exists. Where can you dispute this kind of problem!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: Revco Management, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
TODAYS XXXX ATTENTION DISPUTE DEPARTMENT Revco Solutions Fka Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious Revco Solutions Fka I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the XXXX XXXX XXXX for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/1990 ADDRESS XXXX XXXX CT, XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-22
Company: DISCOVER BANK
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Discover bank fraudulently tried to collect a debt that was paid off. I was never notified of any action, they forged my signature in order to deliver paperwork to an old address that I don't live at. I sent back the paperwork and disputed their debt collection but the ignored my dispute and my cease and desist orders. Discover Bank is in violation of multiple us codes including, 15 USC 1692b ( 4 ), 15 USC 1692d ( 1 ), 15 USC 1692b ( 2 ), 15 USC 1692b ( 2 ), 15 USC 1692j ( a ), 15 USC 168h ( e ), 15 USC 1692b ( 5 ), 18 USC 1708, 18 USC 1703, 18 USC 1702.

All of these fraudulent charges and violations were submitted to Discover Bank and the XXXX County Clerk of courts on XX/XX/2021, along with cease and desist orders, a fee schedule and an invoice for the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: Trident Asset Management, L.L.C.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I submitted a complaint 15 days ago received a response which i will attach the documentation to this complaint as well. Docs that were sent were vague copies to 2 bills no signed documentation and no complete accounting of debt as requested in my previous letters. 

I have not used the original creditor or services while living on XXXX XXXX in XXXX. I used a different service provider which was XXXX. I currently have XXXX service at my XXXX XXXX address in XXXX. XXXX has never stated that I had an account with them in the past that was charged off nor was I asked to provide a payment other than my monthly payments. 

Please help resolve this issue. This account does not belong to me!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Every day, at least 3 to 4 times per day, Portfolio Recovery calls me at work with " spoofed '' numbers made to look local. I don't even live in Missouri anymore, yet all of the numbers come from around where I grew up. Sometimes the caller ID will show the number as originating from outside the United States. I've answered and requested at least twice for the company to send me documentation in the mail and to stop calling me. They have done neither. Because I now live in a different time zone, the calls also come in before XXXX and after XXXX local time periodically.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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:
XX/XX/2018 {$660.00} I disputed a charge that I did not receive sevices for from XXXX and Bank oF American from XXXX and the charges has reappeared.

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 2020-09-16
Company: Experian Information Solutions Inc.
State: MA
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:
How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

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 2018-03-15
Company: Coinbase, Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
This is a problem with company XXXX ( coinbase ). 
On XX/XX/2018 my account suddenly got logged out and not able to log back in and keep saying error occurred. Contact XXXX  support. 

So I emailed them and called them but was told they will transfer to specialist and someone will email me. I havent heard from them so I called them again but they cant do anything and told to wait till they email me again and received case number of # XXXX, # XXXX, # XXXX, # XXXX. 
Sorry I have many case number, cause they issue new case number every time I call or email and encourage to not contact them cause it will create new ticket number which I think thats also not fair when I want to know whats going on and whats the status. 

Its been over XXXX weeks but I havent heard from them and I have no access to my money and when I asked to close my account they said cant right now. 
Meanwhile my investment going down crazy and I cant do anything about it. 
Who is going to responsible the money I loss because I dont have access to my account for so long? 

I think this is ridiculous business setup and customer service that needs to investigate and reviewed. 
As far as I know there are lot of people at XXXX/coinbase have same issues with me. 

I am very frustrated I dont have access to my account and I dont hear from them and when I contact them they dont have any answers but to say wait till they contact me. 
I dont find solutions with them so I am contacting CFPB for help. 

I hope my complaint reflect to improve their way of running business and resolve my case asap. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20
Company: Experian Information Solutions Inc.
State: DC
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:
Last year, I reached out to Experian to have information related to XXXX XXXX removed from my credit report XXXX XX/XX/XXXX ). In early XX/XX/XXXX, I noticed that this information was reinserted, but I didn't receive written notification from Experian prior to this information being reinserted into my credit report. 

I've sent XXXX letters to Experian regarding this issue ; today I sent a XXXX informing them that they are in violation by reinserting this information without providing me with written notice before.

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