BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XXXX XXXX, 2017, I wrote to the company asking them to validate debt as I did not have a contract with Portfolio Recovery ever. They sent me ( 4 ) bills to validate debt which was from ( 4 ) different companies, for 4 different accounts. I have never opened any account with Portfolio Recovery. I have tried disputing this debt on numerous occasions as I did not have any contractual agreement with this company. Sending a bill is not validating an account with said company. I have asked them to show i actually signed and agreed upon said debt. The amounts on the bill does not attach what has been reported to my credit report. 

Accounts : 1 ) XXXX XXXX {$680.00} 2 ) XXXX XXXX {$490.00} 3 ) XXXX XXXX  {$440.00} 4 ) XXXX XXXX {$380.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: AFNI 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 information incorrect

Complaint:
I spoke to XXXX and disputed fees. I then advised AFNI that the charges were wrong on the account and advised I am disputing the balance and I want all reporting to cease and desist as it is improper. They still refused to work with me and for months they have reported a bad debt to my credit bureaus report and they argued that they could not remove the wrong reporting.. Stating they had rights ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29
Company: EQUIFAX, INC.
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: Personal information incorrect

Complaint:
I have trusted ID and it shows on my credit report a wrong address.I have never lived in PA ever in my lifetime so this is incorrect information.I would like it removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-29
Company: SYNCHRONY FINANCIAL
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for  collection activity.

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 2022-08-13
Company: Experian Information Solutions Inc.
State: MI
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:
This is not a duplicate and is being filed by myself, XXXX XXXX XXXX, XXXX filing this complaint because my mortgage loan was not approved by the bank because of this account opened in my name due to identity theft. I did not open this fraudulent credit card account opened by by a person with the name XXXX with XXXX Bank. This was already investigated by the XXXX Police Department back in XXXX it was concluded that this account was not opened by me at that XXXX XXXX XXXX my identity. This account is still showing active on my Experian credit report which automatically denied my mortgage application. I am not responsible for this account because it was opened fraudulently and this account needs to be removed 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 non-monetary relief
Consumer complaint received 2018-01-18
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I have been doing a lot of back and forth communication with this company Card Benefit Services which are the representatives of Wells Fargo insurance claims. XXXX Wednesday, XXXX XXXX. I spoke with a representative named XXXX that seemed to understand what is going on, the call was recorded on their side and the number I used to contact was XXXX. 

I was denied compensation due to the following " The Cellular Telephone Protection Program does not cover items which have cosmetic damage or damage that does not impact the item 's ability to make or receive phone calls. '' The phone that I sent into them, does not function at all due to internal issues. It will not turn on and is non-operation. I called in to get clarification as to why they do n't cover my claim. They said it was due to the fact that they do n't cover internal/mechanical damage. 

If you take a look at the documentation I have uploaded, this is what I sent them as a rebuttal for their denial of insurance this might show a better understanding of what the situation in. 

I have called Wells Fargo for assistance on this issue, and they refused to help they stated they could n't do anything since the card was under XXXX XXXX Basically, I was denied a claim for an invalid reason. Wells Fargo insurance stipulates one thing, while Card Benefits Services claims that they follow different insurance. I have provided documentation under which I have cellular insurance provided from Wells Fargo. 

If this is n't the right agency to deal with this, could you forward this to the right agency? I just want this claimed resolved, and want it on the record that Card Benefit Services falsely denied me on a claim, and is n't following their policy. 

Case ID : XXXX 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 monetary relief
Consumer complaint received 2021-02-17
Company: Allied International Credit Corp., (US)
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received letter today XX/XX/21 re : a XXXX debt of which is not possible. I use XXXX and don't carry any debt. Read online it's a scam and to contact you. I am contacting you in hopes you can resolve as I will not contact this bogus collection company and I will fwd this to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: WELLS FARGO & COMPANY
State: SC
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:
ive been paying on this loan over 10 years and it was just a XXXX dollar loan these people are robbing me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-08
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I signed up with our mortgage service company Select Portfolio Servicing , Inc. ( SPS ) for what I thought was a forebearance program where they would move missed payments to the end of our mortage. We were approved XX/XX/2021. Several of our missed payments seem to have been moved to the end of our mortgage ( {$32000.00} ). 
But for reasons I don't understand and was not informed of, SPS seems to have stopped moving our missed payments to the end of our loan. Instead we received basicially a balloon payment order from SPS ( XXXX XXXX, 2021 ). In their Repayment Plan we were to pay {$9100.00} over XXXX  months starting in XX/XX/2021. This is a huge payment and way beyond our ability to pay. We are retired and on a relatively fixed income ( I'm XXXX XXXX XXXX, my wife XXXX is XXXX ). 
According to your regulations, due to XXXX, SPS should allow us to " resume regular payments and move any missed payments to the end of the mortgage ''. SPS refuses to do this. What can we do? Do we have any legal recourse or remedy? Can you please help us?. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, www.spsservicing.com

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: SYNCHRONY FINANCIAL
State: DE
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: Overcharged for something you did purchase with the card

Complaint:
I had made a couple of purchases using PayPal credit ( Synchrony Bank ). These purchases are showing up on my statement but they are showing up twice on my statements. They are showing the original valid charge, but they are showing another charge the very next day for the exact same amount which is a duplicate. This has happened for 4 transactions. On my statements, the 4 valid charges are showing and then a day later from each of the 4, another charge for the exact same amount. Synchrony insists I was not double charged and I have tried several times to get them to resolve this, they have not and keep insisting I wasn't double charged despite the double charges appearing on my statement for a few months and also showing on their website. I believe they have something terribly wrong. They can tell me I wasn't double charged, but their bill to me shows me I was.

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 2019-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am a XXXX  Senior Citizen on fixed income Social Security XXXX   Benefits. I have been using the Credit Monitoring System of " XXXX XXXX   '', for 8-9 months now, and am very pleased with the accuracy that seems to surpass Transunion 's Reporting System. I am also an avid advocate against Preditory, Coercive, and Compellant Strategies used by banks and credit unions behind the scenes that Consumers are not aware of, due to adverse transaction clearing behind the scenes on Bank Credit Cards.

I recently filed complaints against XXXX XXXX XXXX 's XXXX  Card for NOT using electronic clearing methods that cause the Consumer to have a blind spot regarding their balance, in the amount of ONE FULL MONTH, due to the use of SNAIL MAIL, instead of electronic clearing methods of same day or next day clearance. 

I come before you today to report that Transunion Credit Reporting System not only falls behind the accuracy guidelines, but also tends to act IMMEDIATELY on what they feel is adverse information, before the account has time to automatically resolve itself due to a BANK SYSTEM ERROR, in favor of the CONSUMER. 
It is my opinion that this is unfair to anyone who does not have the Financial Training from XXXX XXXX that I do ... and I am finding that I am having to call Transunion once a month, to correct their information ( which can not be done unless it is a DISPUTE. ) A BANKING ERROR CAN NOT BE DISPUTED, as I found out today-and the incorrect information can not be changed or disputed. 

My suggestion to resolve this problem in the Transunion Reporting System is to prevent the credit unions from OVERREACTING to what appears to be adverse, but instead is an error in favor of the CONSUMER. AND, Transunion outsources to INDIA for Customer Service, which makes it even more confusing due to the lack of US Consumer Banking and Fair Credit Reporting Guidelines. 

Most errors will be resolved by the next Treasury Payday that clears on the XXXX  of each month, when it comes to Fixed Income Beneficiaries.

Would it be possible to have a Systems Analysis Check on Transunion Reporting so that it does not seem so hostile and interrupt the Banking Activities regarding Lines of Credit and so forth. 

Thank you for your time and attention to this hot button issue.

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 2021-02-17
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Specialized Loan Servicing stop sending Mortgage Statement XX/XX/2021 have request statement to be sent three times since and reply is always no they dont have to and just go online if I need a Statement I am not in bankruptcy and am offended to be treated as such

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 2021-09-08
Company: Aspen Properties Group, LLC
State: MA
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Aspen Properties LLC has file foreclosure proceedings ( sales date XX/XX/XXXX ) on my home located at XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX using incorrect financial information. In XXXX I took out a home equity line of credit with XXXX XXXX XXXX. The credit line was for roughly {$190000.00} XXXX XXXX closed down the credit line in/or around XXXX. Aspen Properties has acquired the loan and incorrectly claim that I owe {$190000.00}. I have repeatedly asked Aspen to sent me documentation of all the withdrawal AMOUNTS from the HELOC as well as the DATES of those withdrawal but to no avail. The amount Aspen allege that I owe is incorrect and I hereby respectfully request a correct accounting of all transactions including amount withdrawn and dates from that HELOC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: BARCLAYS BANK DELAWARE
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Greeting XX/XX/2021 We called XXXX AND XXXX XXXX XXXX XXXX, to find out about an engine. The price was {$3400.00}, {$500.00} for deposit, plus an additional {$75.00} for the core deliver date was XX/XX/202. 

XX/XX/2021 not delivery XX/XX/XXXX, got a call from XXXX stating that the " the terms had been changed, now the core value had gone up for {$500.00} '' I asked them to cancel the order and the gentleman said, " I just lost my money '' Barclays XXXX is favoring merchant, and never called me or requested additional information. I opened the case again and they still favor the merchant. 

As per Merchant, I refused to accept deliver of the engine and pay the remaining balance, the engine was never deliver. 
I never changed my mind, the change the terms increasing the core value. 
Never was disclosed in any way, verbally, email or mail that deposits are non-refundable. 
I never received a receipt from XXXX XXXX XXXX XXXX XXXX XXXX, in their website weeks later I found that they a Credit Card Authorization Form which I never filled out. 

I would like for you to know how My Credit Card Company " Barclays '' handles their customer complaint and let people steal money from the consumer. 
I got charged {$500.00} for not reason and this company make {$500.00} for not doing anything. 

Best regards XXXX 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 2019-02-08
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
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:
Nissan Motors is reporting a repossession on my credit file. This is not a repossession. This account is in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
he account listed below is reporting inaccurately on my credit report and it is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : I also seen TWO DIFFERENT SOCIAL SECURITY NUMBERS on my report XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX & XXXX # 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 2018-01-18
Company: AES/PHEAA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
This complaint involves XXXX XX/XX/XXXX and management of the Public Service Loan Forgiveness ( PSLF ) program. I have been a public servant ( XXXX ) for over 15 years and have made student loans payments nearly this entire time and was subsequently found qualified by the DOE for the PSLF program. As XXXX is the only contractor allowed to service PSLF,  my federal student loan was subsequently transferred to XXXX in 2017. I  went through a grueling process of filling out and sending all the required forms for the various XXXX I XXXX at ( my husband is also a public servant XXXX employee and is moved frequently ) and was rewarded by XXXX providing denials to all my qualified employment for vague and unsubstantiated reasons which can not be resolved because they did not clearly identify reasons nor the specific employer they were addressing in their denials! As a long-time dedicated public servant who has struggled my entire adult life to pay my students loans on time and then thrilled to learn I was found qualified for this program, it is truly disheartening to be thwarted by unsubstantiated and seemingly arbitrary decisions made by a private servicing company. In addition, XXXX did not even have the courtesy to send me a letter or alert me to the denials! I only found out by visiting the website, logging in and looking under 'electronic letters ' to find multiple denials. Despite only being given '90 days ' to have my EMPLOYER send in a new verification form - I got NO emails, NO letters in the mail and thus could not respond within the given period. Even then, why would fedLoans not just inquire of the employer directly? In light of my own experience, and experiences of others reflected in several recent lawsuits filed against XXXX for their handling of this program, it is clear this company is not properly implementing and actively disparaging the PSLF program.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 disputed an account showing on my TransUnion credit report starting in XX/XX/XXXX. I contacted the company which was reporting and they sent me letter saying my account was closed in XX/XX/XXXX. I sent TransUnion a letter to prove so. It did n't fix the problem. They said it was not the same account. I called the company with the account number provided. Not only did they say that the account number was not mine, it did n't even exist in their system at all. I then disputed with TransUnion that it was not my account. Since the company shows my account number and that one being different, and the company also shows this account does n't exist on their system. TransUnion has disregarded my attempt to dispute this item. This is fraud and I am pissed.this is affecting my credit score!

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