BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
XXXX XXXX had charges on my account that were inaccurate. I'm not exactly sure of the dates but when I called XXXX XXXX the assured everything was corrected so at that time I closed my account. I did this on XX/XX/2018 I would like the credit companies to reflect this 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 explanation
Consumer complaint received 2020-08-24
Company: ERC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I was notified that Enhanced Recovery Company reported a balance for an old sprint bill to the credit bureau 's in XX/XX/2020. This debt was not only discharged in a bankruptcy, but it was also reported well outside of the statute of limitations. They arent even reporting all of the required information, such as date the account first became delinquent with the original creditor. When the credit bureau 's attempted to validate the information with them, instead of checking their records they simply reported it as accurate. To date, this company has not rectified this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30
Company: Experian Information Solutions 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 belongs to someone else

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have  made. It is the result of identity theft.

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 2018-09-07
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:
Send debt validation letters to Trans-union. Upon receipt of documents they mention investigating the matter. 
However once the investigating was over they never validation from the creditor side the necessary documentation to the consumer. 
The creditor never provided to me ( the consumer ) all account information. 

By failing to do so, I caused me great injury to my personal 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
Consumer complaint received 2020-08-22
Company: Experian Information Solutions Inc.
State: CA
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:
Inquiries : Date : XX/XX/XXXX Credit Name : XXXX XXXX NA Disputed numerous times Date : XX/XX/XXXX Creditor Name XXXX XXXX XXXX Disputed numerous times Date : XX/XX/XXXX XXXX XXXX  Disputed numerous times XX/XX/XXXX XXXX Disputed numerous times XX/XX/XXXX XXXXXXXX  Disputed numerous times XX/XX/XXXX XXXX XXXX Disputed numerous times

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 2019-05-23
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
In XXXX I sought legal counsel and hired the Law Office of XXXX XXXX after having been served with a Civil Complaint by XXXX XXXX. I requested that my attorney verify the debt and, if verified, have her negotiate settlement of the debt to resolve the lawsuit. On XX/XX/2019 my attorney sent a letter to XXXX XXXX informing them that I was represented by her firm and served them with her Substitution-of-Attorney form. Then, on XX/XX/2019 her office called and spoke with XXXX requesting an extension of time to XX/XX/2019 to Answer the Complaint filed by them. Thereafter, a letter was sent memorializing that request. Since substituting in to represent me, my attorney has been in regular contact with XXXX for settlement negotiations and has exchanged settlement offers with them. On XX/XX/2019 my attorney sent a letter requesting proof of the debt be provided her within three ( 3 ) business days, inclusive of the original contract and the last billing statement reflecting the final balance owed. In said letter my attorney pointed out that the Complaint had no relevance to prove the debt was in fact my obligation. That proof requested was never received. However, the following day, XX/XX/2019, my attorney received a letter from XXXX stating that XXXX was closing my account and ceasing collection actions against me. My attorney was in the process of responding to XXXX to request a copy of the Dismissal, dismissing the lawsuit when I received correspondence directed to me at my home address from XXXX. Along with their demand letter they served me with a copy of their Request for a Default Judgment and their intent to garnish my wages. When I told my attorney what I had received, my attorney sent a letter to XXXX outlining their multiple violations of my rights, demanding sanctions and dismissal of the actions. Unfortunately, XXXX is now ignoring my attorney and has refused to respond to her. XXXX 's actions are egregious and should not go unpunished.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I have been getting robot calls from a company that states that I have a XXXX debt with Cit Bank. This is untrue and I have disputed this. This card was opened illegally in 2011. Yesterday the calls began. I had a conversation with 5 people who after I identified myself and denied the debt, we would get disconnected. XXXX XXXX. 

Today the calls have started back up. When I call they hang up. I left two messages. The last message stated that I just needed information. It seems that they would talk and explain. The number that calls is XXXX ( XXXX ) XXXX. 

Thanks for your attention on this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Hi. I was victimized by Wells Fargo bank and dealer services. I was approved for a auto loan of {$12000.00} to purchase a XXXX XXXX XXXX  XXXX with XXXX miles on vehicle when I purchased I paid in total of {$19000.00} in payments to Wells Fargo/dealer services. Now they are saying I was late too many times and I never got mail from them saying that my car has been charged off and I owe {$7400.00} or my car is going to be repossessed! I have already over paid for this car! Not to mention the 12 recalls that my XXXX XXXX XXXX had on it! I was without an engine and often with out a drivable car for a total of 3 months dealing with all the recalls. I shouldnt had have to make any payments on a vehicle I wasnt able to drive due. They have over charged me in interest for this car. They put their own insurance on this car without my knowledge, and charged me for it when I already had insurence! It was over {$1000.00} a month when they just added their own insurance. I do not owe anything else on this car. Wells Fargo dealer services has been harassing me and said they will be coming to get the car. They are violating my rights as a consumer. To come steal the car Ive paid for! Wells Fargo also opened up different accounts in my name and I was apart of that law suit in California when I had a checking account with them. I need your help because I dont trust this bank and what they are doing 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 non-monetary relief
Consumer complaint received 2018-09-07
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have never done business with Transworld Systems Inc. I do not have a signed contract with Transworld Systems Inc. I am not liable for collection from this debt of {$1400.00}. Transworld Systems Inc did not notify me in writing 30 days before submitting this debt of {$1400.00} on my credit reports. I reached out to ask Transworld Systems Inc for validation of debt which is my right. Transworld Systems Inc sent me a copy of a statement for XXXX XXXX and to the address XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX XXXX, Tx XXXX. That is not my address nor my name. The statement provided by Transworld Systems Inc does not include my signature showing I, XXXX XXXX, have ever done business with them. Please remove this inaccurate information from my credit reports. Transworld Systems Inc needs to respond with me and handle all matters of this situation through the CFPB portal ONLY. Any other communication is inappropriate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07
Company: Experian Information Solutions 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:
After reviewing my credit files, on XX/XX/2017 I wrote to XXXX XXXX a collection company reporting account number XXXX and disputed the account reported on my credit files. I explained to the company that this account was unknown to me and I required full validation of this account. I believe that my personal information was used to obtain accounts with out my consent and it is for this reason I need to know the full details of how this account was opened by XXXX XXXX ( please see the attached copy of the letter sent ) and received no response. 

I then wrote to the credit bureaus and see why the account is still reporting inaccurate information about me and received no response. 

I request the assistance of the CFPB in the communication of my dispute.

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 2020-05-12
Company: UMB FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Found out about this on my credit report. Mailed a check to the address on the credit with a letter I was unaware of the debt but would pay only if they removed. They cashed the check then sent a letter refusing to remove the debt from credit. I dont even know what this is for! I dont have a letter or statement from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 belongs to someone else

Complaint:
Bank of America pursued me to pay my father 's credit card account balance after he passed away. My father, XXXX XXXX, was the only liable person for this account. I have never signed a contract to be a liable party. I was ONLY an authorized user to help him manage his finances. 

After my father passed away in XXXX, Bank of America added a charged off account to my credit report dropping my scores XXXX points. Their collection agents hounded and threatened to sue me if I didn't pay my dad 's account. I ended up giving-in on XX/XX/XXXX and I paid the agreed settlement amount of {$4400.00}. Even after I paid the settlement amount, Bank of America continued to report the charged off account to the credit bureaus with a balance of {$8600.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-07
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for a loan modification today and SPS would not talk to me about the modification. The representative stated that he referred my account to a foreclosure attorney. SPS is practicing dual tracking. This is illegal and I think that SPS is doing this to me because Im XXXX XXXX. My constitutional rights have been violated. I would like to be offered a modification l like the other XXXX   people in my neighborhood. Also, please know that my home is tied up in litigation and thus SPS can not foreclose on my house.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13
Company: Big Picture Loans, LLC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I have a online payday installment loan with Big Picture loan for {$1300.00}. I have an 398 % interest rate. I was told there would be {$180.00} finance charge but I wasn't old that it would be per payment and that I would end up paying thousands in interest. I tried to go looking at my document but the only ones that I can see are the payment schedule and how little my payment is going to the principal. The loan scheduled payments goes for 12 months. I clicked on the pay in full button after paying on my loan since XX/XX/XXXX and my payoff is larger than my loan amount {$1300.00}.

I am unable to make my payment due to medical bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
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:
I've seen no changes for the accounts that I have filed last month, I still see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
Company: Shellpoint Partners, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
NewRez recently took over XXXX XXXX. They did an escrow analysis on XX/XX/XXXX, and I had a surplus of {$1100.00} which they sent me a check for. However, in that same analysis, they increased my payment from {$1700.00} to {$1800.00}. That made no sense, but I accepted this. Then, not even a month later, they did another escrow analysis on XX/XX/XXXX in which they stated my monthly PMI payment of {$80.00} which they always have and is the correct, normal amount. But then they also have a new " USDA Rural Housing '' line that is a 1-time payment in XX/XX/XXXX for {$970.00}. I have a USDA loan, but I have no annual item due to them, only the monthly PMI. If you were to divide $ XXXX/12 months, you would find that the answer is {$80.00}, which is my monthly PMI. So they are anticipating my PMI on a monthly basis, then charging my escrow account once per annum, in affect anticipating it twice. This caused a shortage, of course, and my payment has jumped to {$1900.00} when NOTHING has changed. So for 2 months ( XXXX and XXXX ) I've paid an overage of {$120.00}. I called NewRez 4 times over the past 3 months to get another analysis done because they made an error, and I was told several answers : It was part of my property tax ( incorrect ), it was part of a USDA tax ( no such thing ), I was told it would be done within a week and that person would call me to follow up ( that never happened, nor did I receive a call ), and I also got forwarded to a supervisor at my request which went straight to a voicemail that was full and couldn't receive messaged and then hung up on. This was after waiting 45min for the customer service rep to answer in the first place. This company is awful and should not be able to hold my money XXXX for months ( or a year ) at a time for their mistake

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I recently received two letters from XXXX XXXX XXXX on the same day, one lettter is supposed to be a debt validation, which I requested, but it isnt. I requested to see something with my signature on it because I have never had a Capital One Account. The next letter I received on the same day says that they couldnt complete an investigation because I failed to give them information requested. These are the first two letters that I have received from this company. No information was requested from me. All I asked from the beginning is to see something from XXXX XXXX XXXX that has my signature on it. I also asked how it it legal to collect on an alleged debt from XX/XX/XXXX. This is out of the statute of limitations. I would like this removed from my credit report, due to the inability to provide the important information requested. If indeed I had that credit card on XX/XX/XXXX and you brought the debt XX/XX/XXXX, you should have something with my signature on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: PNC Bank N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Since XX/XX/2018, PNC Bank has been using my personal email account for one of their customers. I am not a customer of PNC Bank and never have been. I've been receiving multiple emails daily from PNC Bank regarding a checking account and credit card account associated with my email account. The checking account ends XXXX and the credit card ends XXXX. 

I have contacted PNC Bank three times. The first time I provided a great deal of personal information and was told a fraud investigator would look into the matter and call me. No call. The second time a fraud case was opened to address the matter. Nothing happened. The third time another fraud case was opened and I was told my email address would quit being used within five days. Still no change. The PNC Bank reference ID of the last case is XXXX. There was no reference ID provided on the first two calls.

Its difficult to know what other information PNC Bank may be using of mine, or if this is limited to email. PNC agents have been unable to assist. To date, I have received over 50 emails from PNC.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On a recent review of my credit report, I discovered your company Portfolio Recovery reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes the third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt They said that everything is verified and accurate to all three credit bureaus but it is Based in there word without any physical evidence. 

They must produce also produce the above or delete or entry from all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
on XX/XX/XXXX, I did an online MoneyGram payment to a friend of mine. When my friend went to MoneyGram to receive it, it was declined. I called MoneyGram and they said the system rejected payment and could not give a reason why, just said regulations. They proceeded to ask me if i knew this person and when was the last time i saw this person. I had seen him the weekend prior. They asked why didn't i pay him then. I said you dont pay for work that needs to be done untill the work is completed. We work construction together and he is currently not working. I had asked him to look at one of  my rental properties and see what needed fixing up. He got a painter and he did some work himself.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
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 reached out to PORTFOLIO RECOVERY asking for proof of this debt. I asked them to send me my signature from capital one that this debt is mined. PORTFOLIO RECOVERY refuses to do so. The only thing they will send me is an old credit card statement. THIS IS NOT verification. THEY are rude and will not send me what I'm asking for. I'm demanding they send me my signature asap or else send me a letter stating this account is not verified and remove IT ASAP of my credit report.

Company response to consumer: Closed with explanation