BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
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:
Please note I have not filed bankruptcy however debt is not owed to Portfolio Recovery. I sent out a certified letter to Portfolio dated XX/XX/XXXX asking them to provide documents bearing my signature that showed I had a legally binding contractual obligation to claimed account. I am unware of doing any such business with Portfolio. And simply put, want validation. Portfolio just sent copies of past bills from a creditor. However, the last bill from creditor shows account as being charged off for {$4900.00} and a positive credit to the account for {$4900.00} with a closing date as XX/XX/XXXX. This shows the account has been charged off and paid. Portfolio is appearing on all 3 CB for me owing {$5900.00} ( different amounts! ) Portfolio has also sent a letter showing Original Creditor as XXXX XXXX XXXX XXXX. I have never done business with XXXX XXXX XXXX XXXX either. It seems that Portfolio either could n't or would n't provide proper validation proving I own that debt. I 've never received anything in writing from Portfolio prior to them showing up as a collection on all 3cb. I 'm on unemployment, trying to find work and request that this false information is taken off of all 3cb immediately as it is having a huge impact on my score and what potential employers see. I kindly ask for you to take a look at my case. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14
Company: Santander Consumer USA Holdings Inc.
State: OK
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:
I have never missed a payment with Santander Consumer USA. My account is XXXX and the last payment made was XX/XX/2021 for the payment amount of XXXX. My payment is not due until the XX/XX/XXXX of each month. Santander reported on my credit report that my account was 30 days past due. This is incorrect. I want this removed from my credit report immediately. 

My total loan payoff for my car is {$680.00}. I was told by Santander ( check recordings ) that I could continue to pay this balance as i would normally pay my car payment. Now they are reflecting it as past due. It is not. I have never missed a payment. I pay early.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: Unique Management Services, Inc
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I recieved communication from a debt collector. I invoked my specialized remedy as a consumer under 15 USC 1692 of the Fair Debt Collections Practice Act. My rights have been violated with a list of fourteen violations. 

There were six ( 6 ) listed violations in the first affidavit submitted to Unique Management Services Inc. D/b/a Unique National Collections. An invice was sent along with my affidavit to address my remedy as a consumer. The six violations are listed below in the affidavite are listed for your review below. 

1 ) 15 USC 1692A.

2 ) 15 USC 1692B ( 2 ).

3 ) 15 USC 1692B ( 5 ).

4 ) 15 USC 1692A.

5 ) 15 USC 1692D ( 1 & 2 ).

6 ) 15 USC 1692E ( 2-a ). 

To which the aforementioned debt collector responded with a letter that does not address my affidavit, nor the violations, nor my remedy. to wit I responded with a second affidavit and invoice which includes eight more violations. The violations are listed below. 

1 ) 15 USC 1692B ( 5 ).

2 ) 15 USC 1692B ( 5 ).

3 ) 15 USC 1692A.

4 ) 15 USC 1692C ( a ).

5 ) 15 USC 1692C ( b ).

6 ) 15 USC 1692D ( 1 & 2 ).

7 ) 15 USC 1692E ( 2-a ).

8 ) 15 USC 1692B ( a ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-18
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:
There are many inquiries on my Transunion credit report the majority of them arent mine. Someone has been attempting to get credit with my name

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 2017-11-29
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: Information belongs to someone else

Complaint:
cra violation inaccurate information id theft victim sent all po reports and hdp reports

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 2017-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
My TransUnion report has an account listed for XXXX with a mailing address for XXXX XXXX as the reporting company. On XXXX/XXXX/XXXX I sent a letter to XXXX XXXX disputing the accuracy of their reporting to TransUnion. The envelope was returned to me as " Return to Sender, Attempted Not Known, Unable to Forward '' On XXXX/XXXX/XXXX I sent a copy of the returned mail envelope to TransUnion requesting they delete the account as they are reporting inaccurate information ( specifically the address of the company reporting ). They signed for the certified letter on XXXX/XXXX/XXXX. As of XXXX/XXXX/XXXX this item is still reporting on my file. This is a violation of my consumer rights under the Fair Credit Reporting Act.

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 2020-05-04
Company: Square Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I buy and sell items on an app called XXXX XXXX. I had a customer offer to buy a hockey helmet that I had for sale  and he wanted to use Cash app to pay me. I do have an account on cash app but only a personal account. Since the amount of the helmet was XXXX I was told I needed to upgrade to a business account. The cost to upgrade to a business account is XXXX. The customer was going to send XXXX ( XXXX helmet and XXXX upgrade ), with the understanding that I would send him the XXXX back after the transaction with the helmet was complete. I was told to buy XXXX cards in the amount of XXXX ( XXXX a piece ) to send through Cash app to reimburse him the cost of the business upgrade. I couldn't find XXXX cards so I purchased two XXXX visa money cards. I send the money through from the Visa Cards and then was informed that it had to be XXXX   cards. So that was my 1st XXXX loss. I found the XXXX cards and sent those. They said that the money was already taken off of one of the cards, but not the other. So now I have sent XXXX and I had to go get another XXXX card to replace the one that they said was no good. I had the understanding that any money or card I sent them would be reimbursed to me. By this time I am down XXXX on a transaction that was supposed to give me XXXX. The last conversation I had with them today, XX/XX/XXXX I was told to send an additional XXXX XXXX card which I am not doing. It is a shame with the situation our country is in right now with Covid-19 that we are getting ripped off. The reason I sell items is to put food on the table for kids, wife, and myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Pursuant to 18 USC 8, i owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also permission to report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01
Company: DISCOVER BANK
State: OH
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:
On XX/XX/XXXX I received a call from Discover Card informing me that there was possible fraudulent use of my credit card. On XX/XX/XXXX I responded to Discover, reviewed some charges, confirmed that there were in fact fraudulent charges and cancelled the card immediately. Between XX/XX/XXXX and XX/XX/XXXX over 120 fraudulent charges totaling {$9600.00} were made with my Discover Card. Since that time : 1 ) I filed an Affidavit of Loss with Discover Card. 
2 ) I filed a Police Report with the XXXX XXXX, Ohio Police Department. 
3 ) The case was brought before the XXXX County Ohio Grand Jury by the XXXX County Prosecutor. 
4 ) The Defendant was indited on all counts and charged by the Prosecutor. 
5 ) The Defendant appeared before an XXXX County Judge and waived his right to a jury trial. He plead guilty on all counts. 
6 ) On XX/XX/XXXX The Defendant was sentenced to 30 months in prison for his actions. 
This has been going on for over 16 months and Discover Card still refuses to remove the {$9600.00} in fraudulent charges from my account. They refuse to acknowledge the fact that the card was stolen and used by the Defendant to commit a crime for which he has been since convicted and sentenced to prison.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-26
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
On XXXX XXXX, XXXX, I sent to Equifax XXXX Department a request to remove a " SR '' suffix which had been considered as part of my name. As they requested I sent a copy of my Driver License. They removed the referred suffix, but after almost a month after, it suffix reappear again. I tried by phone and online to receive an explanation why it was removed and shows up again. They open several cases for me, but it was up and down ( removed and showing again XXXX and the results were with no success. An representative from Equifax XXXX XXXX counseled me to send to XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, GA, and even help me by phone to write a letter requesting again to remove from my credit record the " SR '' suffix showed after my name, because I am not " SR '', and never have had the " SR '' suffix after my name. The representative recommended me to enclose a copies of : XXXX XXXX XXXX, XXXX XXXX, Driver License, Social Security Card and Form XXXX XXXX. XXXX XXXX Tax Return XXXX. On XXXX XXXX, XXXX, I sent the letter XXXX Certified ) with my name, address, e-mail, phone number, and I enclosed the copies of all mentioned documents. They received it on XXXX XXXX, XXXX, and after several dates they removed the " SR '' suffix in question. Now On XXXX XXXX, XXXX, I received an alert from Equifax XXXX XXXX informing that my name change, after reviewing the credit report I note that, again, the " SR '' suffix shows up. They said before that it was happening because an " unknown reporting creditor ''!!! was reporting it, but for they apparently the copies of the documents I sent on XXXX XXXX, XXXX have been not enough to prove that I have no " SR '' suffix after my name. Please help to solve this matter with this company. The other two Credit Companies XXXX and XXXX handles my name correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
XXXX XXXX, 2021 I have noticed problems regarding the accounts and personal information listed below on XX/XX/2021. I have contracted the credit union and creditors and have yet to receive any response. I ask that these accounts and information listed be removed immediately as per FCRA and FTC law 15 USC 1681 ( 2 ).

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 2020-05-04
Company: Lincoln Educational Services Corporation
State: CT
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I took out a private loan through XXXX. Since I graduated they have been calling me nonstop ; I graduated 3 mths late but they have me under the previous graduation date so I had to start paying as soon as I graduated. I called and asked for deferment and was told ok only to be called continuously. When I called to ask why Im still receiving calls and negative marks against my credit score they said they dont offer deferment and I need to pay immediately and told me Im 3 mths behind. I have been making payments as much as possible but they still continue to call me nonstop. They have started to call me at work and I asked them to please stop. Even with the pandemic they are still demanding payment in full. Anyone I try to speak to to get lesser payments or to explain why I am 30 days behind come off extremely condescending and rude. the person called mrs. XXXX continues to call me multiple times a day every day. I have requested to receive another case worker because this woman is so rude but they refuse to swap me to anyone else. when I ask for a supervisor the person that responds is just as rude trying to talk over me when I explain the situation. Im currently caught up on payments and they still continue to call and harass me. Theyre claiming that I will be sued by a lawyer for the amount of the loan in full. I continue to make the mthly payments but now theyre have put my credit as behind and are not showing that I am paying even when the balance continues to reflect that payments are being paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have previously filed a complaint with this organization for this exact matter, which was previously unresolved, due to lack of evidence, but wherein CFPB has decided to the contrary, implying I did, in fact, open such an account and owe the said " debt ''. 

I have an affidavit making it clear do not, have not, and never will apply for any line of credit, loan, or anything in the financial realm, online or electronically. I will not agree to such a contract unless it is in on paper, in writing, and my wet-ink signature is placed on it in agreement. 

I have been injured by this derogatory remark on my credit. I am now demanding it be removed immediately. 

I will ask again in this complaint, show me proof I have opened the said account, so that I can inspect the document, contract details, and my signature thereon, or there is no proof and thus no " debt '' owed by XXXX XXXX to the organization this complaint is made.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I paid off my mortgage loan with Ocwen Loan Servicing , LLC on XXXX XXXX, XXXX ; however, I have not yet received the lien release document. 

I first contacted Ocwen regarding the lien release document in XXXX XXXX. I was told it could take up to 6 months, depending on the county and state of record. I waited and made several calls during XXXX, receiving the same standard " it takes time. '' On XXXX XXXX, XXXX, I insisted that my call be escalated to a supervisor. I was told that according to notes on my account that my file had been forwarded to the legal department on XXXX XXXX, XXXX. 

On XXXX XXXX, XXXX, I was notified by XXXX ( XXXX ) that my case had been turned over to the Lien Release Department. Someone in Lien Release needed to work with XXXX XXXX, the company from which Ocwen purchased my mortgage loan. 
On XXXX XXXX, XXXX, I contacted Lien Release, requesting an update. 
On XXXX XXXX, XXXX, I was told that my file had been transferred to legal and it might be several months before the issue was resolved. 

I reminded the lien release rep that my file had already supposedly been forwarded to legal and that I had paid my loan off 21 months prior. I was not given any contact information for the legal department. 
As of XXXX XXXX, XXXX, I have received no update from legal or anyone else at Ocwen.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: EQUIFAX, 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:
I contacted XXXX  about fraudugent accounts and transactions that they placed on my credit report, I received a letter from them saying they contacted the creditor and the account was verified, then I received a letter from the creditor, asking me to verify the account no, and several other pieces of information. The creditor said they could not locate this account. My problem is this if the creditor could not locate the account, how could XXXX  verify this account. Surly they never investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My checking and credit card account where inappropriately closed when I attempted to transfer in money from an outside account. This is my second appeal through CFPB with me attaching proof of my outside account. I 've contacted Navy Federal multiple times and only received generic responses with no assistance in resolving and reopening my account. During the initial appeal I was told to contact XXXX XXXX which I attempted several times with no answer or return call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: JPMORGAN CHASE & CO.
State: MN
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 original account was with Chase however, it was sold twice so how can Chase continue to update my account with inaccurate information. The account was settled and paid to XXXX XXXX in 3 installments of {$180.00} each. Chase continues to mark me late when I was making payments. The installments were made on XX/XX/XXXX ( I was marked late ), XX/XX/XXXX and XX/XX/XXXX ( Continued to mark me late ). Why is Chase continuing to mark my account to the credit reporting bureaus as late when they no longer own the account. Chase reported my account as a charged off therefore, it should be reported as {$0.00} balance and no data. They continued to report it as late and while the account was paid and settled with XXXX they updated my account as late. This account needs to be deleted for inaccurately reporting my data wrong. Does Chase own my account still or does XXXX XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: AMERICAN EXPRESS COMPANY
State: PA
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:
15 U.S.C 1681 section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt American ExpressXXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Credit Card Credit Card - Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/2021 XX/XX/2021 XX/XX/2021 Balance : {$1400.00} {$1400.00} {$1400.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$1500.00} {$0.00} {$1000.00} Credit Limit : {$0.00} {$1000.00} {$0.00} Past Due : {$800.00} {$800.00} {$800.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: Experian Information Solutions Inc.
State: GA
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:
Credit reporting agencies are reporting inaccuracies to my credit report and it is hindering me from obtaining additional credit.

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