BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-09
Company: Southwest Recovery Services, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The business I worked for, XXXX XXXX, closed in early XXXX. No outstanding debts were due by the company when all affiliated accounts were closed with the third parties. XXXX XXXX XXXX, a subsidiary of XXXX XXXX XXXX, was officially contacted to close the business account. The salesman said he did close the account and that there was XXXX balance back in XX/XX/XXXX. However, after two years of the XXXX business closing, XXXX XXXX XXXX sent an approximately {$300.00} bill against my personal credit reports through Southwest Recovery Services ( collection agency ), even though the account was closed with XXXX balance and it was a business contract signed by an XXXX officer back in XXXX. Therefore, there should be no personal liability for a closed business account that all affiliated companies know was closed and was an unused credit card processing account. These companies never return voicemails and rarely answer the phone after hours of calling. When I did reach each company, they pointed to the other companies to provide information and they acknowledge the old account was unused ( and not closed properly by their own company, possibly by a salesman that didn't want to lose another account ). They refuse to close the account the right way because of the open collection attempt against me personally for monthly fees for over two years for an account that was properly closed on the side of my former business. They hide behind each of their partner companies and continue to add monthly fees for an unused account that they refuse to close the right way while the {$300.00} collections attempt is outstanding. However, even if I paid personally for a closed XXXX, they could just send another collections attempt for the additional monthly services fees for the unused account perpetually since they refuse to close the account the proper way in their systems.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: EQUIFAX, INC.
State: NJ
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:
On XX/XX/2018, I discovered multiple unknown accounts on my credit report, right after I had no other reason but to believe that I was a victim of Identity Theft, so I filed a Police Report and started disputing the inaccurate information on my credit report. Some months went by and I was able to remove the accounts that were not mine. Not too long ago I started receiving collection letters regarding one of the accounts that were on my report and obviously part of XXXX, I disputed with the collection agency and they stop collecting on it, unfortunately, just a few days ago I did my regular review on my credit report and found out that a new collection came up trying to collect on the same account that I had been dealing with in the past, the new collection name is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
According to the Fair Credit Reporting Act, 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. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed.

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 2022-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX Balance : - ; Bankruptcy XXXX  XXXX-discharged Reference # : XXXX ; Bankruptcy : Discharged XXXX Reference # : XXXX ; XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2017-08-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: DE
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:
This is an invalid debt and I am requesting help to resolve this matter. I have been receiving calls and have received 3 letters in the mail regarding this invalid debt, see attached documents. The dates of the letters were : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Portfolio Recovery is illegally calling me and sending me fraudulent paperwork regarding an invalid debt. They have violated the Fair Credit Report Act by attempting to collect an invalid debt that is past the statute of limitations. The original debtor is XXXX XXXX and the debt is from XX/XX/XXXX and was cleared from all three of my credit reports in XX/XX/XXXX. The amount owed is incorrect, I do not owe this debt. They are also breaking laws and calling and harassing me several times a week even though I clearly told them the debt was invalid and to place me on their do not call list. They repetitiously call and annoy me several times per week, see my list of numbers and dates below. Whenever they call they never identify themselves and I have to blatantly ask who is this? Calling from where? It is causing XXXX  XXXX and I suffer from XXXX as well. Here are some of the dates and numbers they have called from : XX/XX/XXXX ( Thursday ) XXXX Portfolio Recovery Assoc . ( XXXX ) XXXX XXXX XXXX, CA XX/XX/XXXX ( Tuesday ) XXXX PRA ( XXXX ) XXXX XXXX XXXX , CA XX/XX/XXXX ( Friday ) XXXX PRA ( XXXX ) XXXX XXXX XXXX , CA XX/XX/XXXX ( Thursday ) XXXX PRA ( XXXX ) XXXX XXXX, FL XX/XX/XXXX ( Monday ) XXXX PRA ( XXXX ) XXXX XXXX, FL XX/XX/XXXX ( Friday ) XXXX PRA ( XXXX ) XXXX XXXX, XXXX XX/XX/XXXX ( Monday ) XXXX PRA ( XXXX ) XXXX XX/XX/XXXX ( Friday ) XXXX PRA ( XXXX ) XXXX XXXX, TX XX/XX/XXXX ( Wednesday ) XXXX PRA , XXXX ( XXXX ) XXXX XXXX , TX XX/XX/XXXX ( Friday ) XXXX PRA ( XXXX ) XXXX XXXX XXXX, MD XX/XX/XXXX ( Monday ) XXXX PRA ( XXXX ) XXXX XX/XX/XXXX ( Saturday ) XXXX PRA ( XXXX ) XXXX XXXX XXXX, MO XX/XX/XXXX ( Friday ) XXXX PRA, XXXX XXXX. ( XXXX ) XXXX XXXX, TX XX/XX/XXXX ( Saturday ) PRA XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX ( Thursday ) XXXX PRA , XXXX ( XXXX ) XXXX XXXX , IL XXXX/XXXX/XXXX ( Thursday ) PRA using some man 's number when I called back to verify ( XXXX ) XXXX he has been getting scam calls too and we have no idea how they used his number XX/XX/XXXX ( Friday ) XXXX PRA ( XXXX ) XXXX XXXX, OH XX/XX/XXXX ( Monday ) XXXX PRA using man 's number ( XXXX ) XXXX XX/XX/XXXX ( Friday ) PRA ( XXXX ) XXXX tried to call back but just busy signal I am requesting help resolving this matter as quickly as possible. I wish to no longer be contacted by Portfolio Recovery Associates, LLC regarding this invalid debt via phone or mail. Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: PENTAGON FEDERAL CREDIT UNION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
RE : Acct. # XXXX After reviewing my XXXX  credit report I noticed a fraudulent account being reported by XXXX XXXX XXXX XXXX XXXX . I contacted them to dispute this account and provide me with contractual evidence that this account belonged to me. After answering several questions it was determined by the agent the account was fraudulent. I was told that the account would be removed from my credit reports. This account is still reporting on my credit report and adversely affecting my credit profile. I am requesting this account be deleted immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-28
Company: Santander Consumer USA Holdings Inc.
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
No matter how this is dealt with Im going to keep fighting now that I know my rights because I am being truthful & I have evidence regarding the hospitalization after the XXXX & the XXXX & the medication I was on, I have proof that my XXXX XXXX was not the score that santander gave me, I did not have any income & I never signed any document stating I agreed to a {$500.00} plus dollar car note. At the time of me getting this car I was a single mother that was recovering from a accident XX/XX/18 that totaled my car where I could not work ( I had a law suit that can verify that ) paying {$390.00} for car note {$1200.00} for rent, XXXX utilities, {$250.00} for insurance and more, {$200.00} cell bill, I still had a XXXX car note that had not been settled, unemployed for 2 months with a XXXX XXXX of XXXX. XXXX dealerships & all their lending partners turned me down & ran my credit including my own personal bank, but somehow Santander approved me with terrible credit, no Proof of income that I was able to make the payment, no money XXXX & a terrible debt to income ratio because I had literally been laid off for 2 months and I had an outstanding balance of XXXX on my previous car on my record .... somethings not right about that. Then they charged me {$200.00} more than what I was told per month & I was advised my the sales person to keep quiet once I got the bill in XXXX because really I wasnt suppose to qualify and Id be out of transportation .... this was manipulation & a terrible sales tactic. thats not right at all & I will not allow myself to be taken advantage of. I did not sign any documents especially none for {$560.00} a month. I know my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: AES/PHEAA
State: KY
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:
Called company about their reports to credit report company. I pay XXXX$ a month and they stated my interest is XXXX$ a month so I’m short XXXX$ a month on interest so my balance only should be going up XXXX$ a month and they are reporting it’s going up XXXX$ every month

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX is trying to collect a debt that is not owed. I never had this company as a credit card. I tried contacting XXXX XXXX to remove fraud account. I completed fraud packet and FTC reporting of this company. 


This company is reporting a fraud account knowingly. Ive been a victim of identity theft since 2008. Ive provided all documentation necessary to have this fraud account removed. This company gives you the run around and says account to old to identify when you call but will not take fraud account off of my report even though it is fraud and they can not validate this account. 
Please remove from my credit bureau reporting as Ive followed all FCRA guidelines to have this fraud account removed. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/XXXX I made a large payment of {$4500.00} on my account to pay my monthly payments in advance because I was looking to have XXXX later in the year and wanted to ensure that my account was paid ahead so that I would not be delinquent. When I made the payment online, I specifically did not choose the " Principal Only '' option and schedule a regular payment using the other option. What I did not know is that Capital One Auto Finance, per their internal policies, as they have advised me, made the decision without my permission nor did they notify me that they were going to apply the {$4500.00} payment as a principal only payment. For the next few months, XXXX through XXXX, I made my regular monthly payment. When I was out of work in XXXX and XXXX for my XXXX XXXX, I did not make a payment, and in XX/XX/XXXX I started making payments again and made a large payment in XX/XX/XXXX and in XX/XX/XXXX. What I did not know is that Capital One Auto Finance reported my account with them as 30 days delinquent for the XX/XX/XXXX and XX/XX/XXXX payments which have caused damage to my and my wife 's credit report and the denial of credit because of this delinquency. I have spoken with Capital One Auto Finance, and they advised me that it is their internal policy to post payments in this manner and that even with my account being paid seven months in advance they will not remove any delinquent mark from my credit report. They said they feel the delinquent mark is accurate and they only report precise information to the credit reporting agencies. 

I have spoken with several people at Capital One Auto Finance including a young lady who was in the Office of the President. 

I am asking for your assistance in getting Capital One Auto Finance to remove this inaccurate delinquent rating from my and my wife 's credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-18
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The home associated with the mortgage from XXXX was sold and paid on XX/XX/2020. I have tried to update this 4 times with Experian, and the lender. 
This has harmed my chance at a mortgage.

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 2018-12-04
Company: Specialized Loan Servicing Holdings LLC
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage servicer, SLS Servicing sold my mortgage to XXXX XXXX on XX/XX/18. I made my mortgage payment to my new provider. 

SLS Servicing had been withdrawing my mortgage payment from my checking account on the XXXX of each month. On XXXX XX/XX/18 they withdrew {$1400.00} ( mortgage payment ) from my checking account, which is after my account was closed with them. I have made numerous phones calls and have received a different story from each employee of this company that I spoke to. This withdraw has caused a negative balance in my account and I have accrued overdraft fees. To date, after 11 days has passed since they withdrew this money, I still do not have it back.

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 2021-04-29
Company: DISCOVER BANK
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
violations of FRCA and HIPPA privacy and discrimination. 

I am a XXXX veteran small business co. I have numerous XXXX. 

On XX/XX/2021, I apply for a discover business credit card online. I have all important information to Discover card service. I am unaware that Discover will put my personal credit. If I was informed from the beginning of the process then I would not have completed the application. 

On XX/XX/XXXX, I called Discover and pointed numerous issues and was told by representative that I should have know that my personal credit hard inquiry would be pull and that I was disapproved for a business credit card because I have been a member with discover for only 9 months and the requirement is at least a year in order to get a business credit card. Where was this information disclosed during the application process. They did not call to inform me of such things as a consumer. The representative informed me that I should have known which lead me inform her of my veteran XXXX such as XXXX and XXXX XXXX XXXX. I believe my FCRA right and HIPPA privacy were violated. The representative disregarded my XXXX and unwilling to work with me. I have asked her to make the exception and talk with the leadership. The rep stated no one at Discover will make an exception. How can a company this big is unwilling to assist a disadvantage small business owner. I believe that she forced me into disclosing HIPPA privacy and discriminated against XXXX veteran. 

Additionally, my credit were locked with all 3 credit bureaus requiring companies to validate that it was me. Discover did not do this because it gave me an immediate " disapproved '' without properly verifying who is on the other end. 

What would have it hurts for Discover to assist this XXXX veteran small business owner?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-20
Company: LJ Ross Associates
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I've unsuccessfully reached out to LJ Ross Associates INC this bill from XXXX  XXXX XXXX is not a bill I owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2020 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: Ocwen Financial Corporation
State: RI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We refinanced our mortgage in XXXX and our lender changed from XXXX to a company called PHH Mortgage. Our first payment through this new company was on XX/XX/2021. A few days before the due date I went to go set up my new account and input all my ACH info for direct debit like I normally do for any other bill I pay online and like I previously did for my mortgage and it came up with an error popup that I could not make a payment online and had to call their phone number. I called their phone number listed and the customer service rep explained they would allow me a one-time free " courtesy '' payment over the phone this one time, however in the future it would be {$17.00} every time I want to pay over the phone in the future. They said there was no free way for me to pay my mortgage unless I wanted to put it in the mail and hope they received it, but they advised me the mail is very delayed and there was no guarantee they would receive it in time, and that to pay online I needed to sign a form they would mail to me, insisting I needed to sign it very quickly. I received the paperwork and it is a Note Amendment to my mortgage! It says in section 2 that they can charge me up to {$19.00} per payment online, it makes no such statement that this is for me to be able to pay my mortgage for free. When I called to confirm they restated the charges to pay over the form and insisted if i wanted to pay online I must sign the Note Amendment. When I asked how much it would cost for me to pay online without the Note Amendment they said that wasn't possible, nor could they tell me what the fee would be once I do sign the Note Amendment because apparently the fees are different state to state and they said there was " no way '' they could tell me what those fees would be. There is no way for me to sign up for autopay or do single payments besides to sign this Note Amendment that states I can be charged up to {$19.00} which I find excessive. They claim they are a debt collection company but their company name is PHH Mortgage and they were offered to us by our mortgage broker - if I had known they were a debt collection company and could charge us exorbitant fees just for the privilege of paying our own mortgage we would have NEVER agreed to a mortgage with this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation