BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX keeps reporting a debt that is not mine. I have disputed the account with the credit bureaus and directly with XXXX XXXX  XXXX. XXXX XXXX XXXX keeps sending me " Validation '' information of the alleged debt to XXXX XXXX. This documentation clearly list an address where I have never lived or otherwise had no previous knowledge of its existence ACC # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: Credit Control, LLC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Any previous debts owed by me are time-barred in my state. The debts have been closed and removed completely from all three credit reporting agencies. Therefore this collection agency/company should no longer contact 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 2021-08-16
Company: PENNYMAC LOAN SERVICES, LLC.
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I consumer XXXX XXXX entered into a consumer credit transaction with XXXX XXXX XXXX XXXX on XX/XX/2016 that included a finance charge. Under the provisions of XXXX XXXX XXXX XXXX a ) when a consumer credit transaction involves a finance charge, that is the SUM of all charges. I also put a downpayment down in which is also illegal because a finance charges doesn't involve and comparable cash transactions. I also wasn't given my disclosure of my right to rescission. This must be given to the consumer and it was not disclosed to me during this transaction. I extended my credit to them and granted them the right to extend it back to me under the provisions of XXXX XXXX XXXX. I sold my security interest to them and I'm not obligated to pay any debt under XXXX usc XXXX. XXXX XXXX XXXX XXXX has violated my federally protected consumer rights. It is illegal and against my federally protected consumer rights to pay a monthly payment on a positive balance. PENNYMAC mortgage is a third party debt collect who didn't not have my permission to contact me regarding debt. PENNYMAC illegally obtained my information without my permission. I do not have a contract with PENNYMAC MORTGAGE and they have infringed upon my right to privacy as the consumer under XXXX XXXX XXXX. I am demanding all payments be returned. XXXX has threatened to XXXX XXXX my abode location in which is also illegal under XXXX XXXX XXXX. They can't not take legal action in this manner. PENNYMAC can not validate any debt to myself as the consumer. XXXX is not the holder due course on this account. I'm demanding that they show documentary evidence of this alleged debt that I received an allege loan from them. XXXX XXXX XXXX states that the United States is responsible and I am not responsible or obligated to pay any debt under the FDCPA XXXX XXXX XXXX. PENNYMAC has ruined my financial reputation and has threaten to take my property under fraud. PENNYMAC has sent false and misleading statements in a positive balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
Company: EQUIFAX, INC.
State: MO
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:
COMPLAINT ID XXXX XXXX I have submitted a request in the above listed Complaint ID 's to have an unauthorized credit pull removed from my credit history. The company has removed the unauthorized credit pull from XXXX however they have not removed the pull from Equifax. 

I would like to have the company also remove the credit pull from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Convergent Outsourcing, INC, Balance {$240.00}, reported XX/XX/2017, Original Creditor : XXXX. I have sent numerous letters to the credit reporting agencies, XXXX, XXXX  and XXXX. I have also reached out to the debt collector to no avail. I am in the process of purchasing my first home and the above account does not belong to me. I have filed a police report in the state of Florida, where I reside. I filed a report with the FTC and I have been battling this identity theft account it does not belong to me. Please delete this account from all credit reporting agencies.

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 2020-08-02
Company: AMERICAN EXPRESS COMPANY
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
After I paid all i owed on the credit card ( American Express blue cash card ) they charged me $ XXXX in interest on a XXXX balance card

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: The Stark Collection Agency, Inc.
State: IA
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:
This creditor/debt collector has continued to report an unverified alleged account that is damaging my credit history. I have requested several times for this alleged account be verified with a copy of the original contract with my wet ink signature between myself and The Stark Collection Agency or the original creditor. I have also requested that this subterfuge be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-10
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I became the victim of identity theft on Sunday,XX/XX/XXXX. I discovered this on Friday, XX/XX/XXXX. I have been working since then to correct this fraud and ensure that my credit reports from XXXX, XXXX, and Experian are corrected. While XXXX and XXXX  gave me no problems in providing a free, digital copy of my credit report, Experian has been consistent in refusing to provide a free, digital copy of my credit report to me. I have now spoken to three phone representatives and two managers/supervisors about the issue, and it has not been resolved. I agreed today ( XX/XX/XXXX ) to have my credit report mailed on paper and will have to wait 7 - 10 business days to receive this. I feel as though every day out from when the Identity Theft occurred on XX/XX/XXXX is an opportunity for mistakes on my credit report to be " set in stone '' and harder to remove. I am highly disappointed in how Experian has handled this situation, and wanted to report it to your agency in order to this to not happen to someone else.

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 2021-08-16
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I am receiving abusive and repeat call CCS who suppose to be a collection agency. They make threat of false arrest and send mail with authorization of debt that is not owed. I have received ton of debt from the collection company that not owe or from other accounts that are not in collections. I have ask them to stop the repeated calls and abuse of communication with me. I am filing a complaint because the last call is impersonating an Attorney, and false misrepresentation of the facts. I am a military Veteran and I don't think I owe this company anything because I do not have a physical contract with CCS. I just want this company to stop the calls and attempt collect a debt that is not owed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: Absolute Resolutions Corp.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
absolute resolutions investments llc is takeing me to court for a debt that i have no knowledge of, i contacted them and told them the signiture that they have is not mine and the bank account number is not mine and has never been mine yet they still insist that i owe this debt, they are sueing me in court and have now sent me a letter stateing they may submit to the credit reporting agency which they have already done, i am tryig to figure out how they can do this. i fully intend to stand up in court on XX/XX/2020 and tell the judge how they are trying to railroad me for someone elses debt, i am on XXXX  and i can not have my bank account garnished and they think i am going to fold and pay this debt which i am not i will stand up and fight untill someone hears what i am saying,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
According to my recent credit report request from Transunion, XXXX, XXXX  there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & TRANSUNION VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX   XXXX Account Type Chapter XXXX Bankruptcy Docket # XXXX contact information XXXX XXXX XXXX, XXXX XXXX, XXXX, NJ ( XXXX ) XXXX XXXX I HAVE NEVER FILED FOR BANKRUPTCY AND HAVE NO RECORD, AGREEMENT AND OR CONTRACT WITH THIS ORGANIZATION NOR CAN THEY PROVE MY IDENTITY WITH THEM, I HAVE CONTACT THEM AND THEY HAVE AGREED TO REMOVE AND DISMISS THIS ACCOUNT OFF MY CREDIT REPORT BUT HAVE NOT PLEASE REMOVE THIS OFF MY CREDIT REPORT AS THIS INFORMATION DOES NOT BELONG TO ME XXXX XXXX XXXX Account Type Chapter XXXX Bankruptcy Docket # XXXX XXXX XXXX XXXX, XXXX XXXX  , XXXX, NJ ( XXXX ) XXXX XXXX I HAVE NEVER FILED FOR BANKRUPTCY AND HAVE NO RECORD, AGREEMENT AND OR CONTRACT WITH THIS ORGANIZATION NOR CAN THEY PROVE MY IDENTITY WITH THEM, I HAVE CONTACT THEM AND THEY HAVE AGREED TO REMOVE AND DISMISS THIS ACCOUNT OFF MY CREDIT REPORT BUT HAVE NOT PLEASE REMOVE THIS OFF MY CREDIT REPORT AS THIS INFORMATION DOES NOT BELONG TO ME XXXX XXXX XXXX Account Type Chapter XXXX Bankruptcy Docket # XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NJ ( XXXX ) XXXX XXXX I HAVE NEVER FILED FOR BANKRUPTCY AND HAVE NO RECORD, AGREEMENT AND OR CONTRACT WITH THIS ORGANIZATION NOR CAN THEY PROVE MY IDENTITY WITH THEM, I HAVE CONTACT THEM AND THEY HAVE AGREED TO REMOVE AND DISMISS THIS ACCOUNT OFF MY CREDIT REPORT BUT HAVE NOT PLEASE REMOVE THIS OFF MY CREDIT REPORT AS THIS INFORMATION DOES NOT BELONG TO 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 2021-08-16
Company: CL Holdings LLC
State: MS
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: Was not notified of investigation status or results

Complaint:
I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties. This looks SUSPICIOUS AND DECEPTIVE ; I demand proof TO SEE valid authorization/proof of alleged debt. XXXX without valid proper disclosure requirements is in direct violation of my consumer rights. I XXXX XXXX XXXX, legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in XXXX ( XXXX ) days to failure to comply with these regulations by the XXXX XXXX XXXX, et Esq. I am maintaining a careful record of my communication with your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-10
Company: Experian Information Solutions Inc.
State: NV
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 been a victim of identity theft 2 years ago. I am disputing this account with XXXX XXXX  this should have never been reported to my credit reports. XXXX XXXX/ XXXX XXXX. This account is under my ss # but a females name? How did this happened? Where is the I.D .? Why do the credit bureaus need 30 days for something that's not legit .Please remove asap. XXXX XXXX / XXXX XXXX was paid with creditor XXXX XXXX on XX/XX/2018 Please update and remove. Experian and XXXX have fraudulent inquiries that were not authorized by me. 
XXXX XXXX XXXX XXXX XXXX ( XXXX, alabama ) XXXX XXXX XXXX XXXX XXXX XXXX ( alabama ) 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 2021-08-16
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
TD bank. 

Ok so my Father was bed ridden so we did a power of attorney, brought it to the local branch where he started the account XXXX knows how many years ago, where he went every week and knew everyone there. 

They take 2 weeks to " update into the system '' with the power of attorney. 

THEN drop on me that the account is closed due to my mothers Social security and my mothers JOINT tax return going into the account ( which has happened for YEARSSS but they decided TODAY they didn't like it ) Account is being closed and funds will be going back to the IRS and SS.. ok fine. 

4 months pass, nothing, I call and complain, they can NOT talk to me as the POA is not on record for me ( so what did I wait 2 weeks for? ) I call the branch assistant manager XXXX, he says they are WRONG and the POA is on file, so this goes back and fourth with TD corporate and TD branch both saying different things and refusing to speak to one another, after many complaints I decided to contact CFPB.

Side note a few payments DID go back to SSA, but the rest remain in the account where TD branch is saying its " not there '' yet the statements come to the house and say it is. 

also Corporate will still NOT talk to me ( other then to take a complaint that seems to go NO WHERE ) due to the lack of POA which local branch claims is on file. the acconunt statement shows {$2800.00} in the account

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-19
Company: EQUIFAX, INC.
State: IL
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: Was not notified of investigation status or results

Complaint:
I submitted a complaint with all three credit bureaus. I neither never got a response or they concluded with XXXX XXXX XXXX. They didn't do their job with evidence that was provided. XXXX never sent any certify mail or requested that the loan was due or would be a charge off. Also the maturity date of the loan was in 2016 why didn't they ding the credit then. Also XXXX broke the loan agreement because the documents that I'll provide you doesn't mention anything that if that house becomes a 2nd home the loan wont be renewed if not primary. I have file a separate complaint against XXXX  Please review documents attached and other complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: Convergent Resources, Inc.
State: FL
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:
please be advised, Ive been a victim for identity theft. Ive seen a number of fraudulent things on my credit report. 
1Convergent Outsourcing ( XXXX  ) Whom Ive never done business with or entered into a signed contract. This account is fraudulent.

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 2020-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On XX/XX/2020 I applied for a loan with XXXX XXXX XXXX to purchase a used XXXX, I was approved for the loan which should have been the end of it there. But then on XX/XX/2020 another hard pull was added to my credit report. I proceeded to email the loan officer on XX/XX/2020, about the second hard pull and that I wanted it removed. I never received any response back from the loan officer I had contacted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: BARCLAYS BANK DELAWARE
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
My ex open an account with Barclay 's credit card without my consent. I found out two years later with my app XXXX XXXX because of missed payments. I address it with Barclay 's and they decided to scam me and say that was my account. There's no audio or anything that said I allowed her to access my credit card. I then took it to an attorney to handle the matter. Yet they still insist on scamimg me. This is just a brief summary.

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 2020-06-25
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:
Equifax ; XXXX and XXXX are reporting incorrectly that I am ( 120-180 ) days past due on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04
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:
After I had filed a dispute of an account with XXXX XXXX/XXXX XXXX. They did not correct the error that they had been reporting. They had been reporting the wrong year from when the account was closed in. The XXXX XXXX account was closed in XXXX yet they still have been reporting it as XXXX. They haven't corrected any of the errors. They had just done an update to the status of the account and in them doing so has lowered my credit score by 65 points. This account has been paid in-full 30 months ago. So by XXXX XXXX updating the status that they had reported to the credit agencies it lowered my credit score by a pretty high number

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AK
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In XXXX of 2020, Kohl 's claimed I had a late payment of {$30.00} for credit card account. I disputed that the payment was made late. I also told them over the phone that I was out of work due to CoviXXXX and couldn't afford any more fees. 
Kohl 's made no response other than to start to add interest and penalties to my account. I phoned several times repeating this. They continued to ignore my calls and began mailing me bills which have now added up to over {$300.00}. as well as report me to credit agencies. 

Since then, I have sent them multiple emails explaining my dispute of the original charge and insisting I be able to email someone about this account so that I can document what I have told them about being out of work. I believe them charging me fees violates the CARES ACT. They initially responded by emailing me back ( confirming the receipt of my emails ) and stating they won't communicate this way with me and that I need to call. After 6 or so emails, they told me they were having an agent look into communicating with me in writing. however, Kohls has not contacted me in a manner I can document XXXX email ) and continues to add fees and interest to my account and to report me to credit agencies.

Company response to consumer: Closed with explanation