BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-19
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I mailed out a debt validation letter to DICOVER requesting for them to validate the alleged account ending in XXXX They responded by sending me a copy of 6 months of statements. Pursuant to Generally Excepted Accounting Principles they have to prove the money left their account if they gave me a loan and they did not provide any information showing the funds actually left their account. The statements provided violate 15 USC 1692j because I entered into a consumer credit transaction w DISCOVER which no cash what is supposed to be excepted by the lender. DISCOVER is in violation of 15 US C 1605. A finance charge is the sum of all charges in a consumer credit transaction and it does not include cash. DISCOVER in fact took cash as shown in the attached labeled exhibit. I have found 36 protected consumer right violation under 15 USC 1692 and USC 1605 that I have presented as exhibit w a signed affidavit of truth. I also have a recession letter exercising my right to rescind pursuant to 15 USC 1635. XXXX XXXX is in violation of 15 US C 1611. XXXX willfully and knowinly failed to provide and disclose information required under the provisions of 15 USC 1601. They are now criminally and civilly liable. I have mailed attached documents to XXXX as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-25
Company: Receivable Solutions, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Receivable Solutions received a certified letter from me on XX/XX/XXXX requesting they validate 5 debts they are reporting to the credit bureaus in the amounts of : {$80.00}, {$82.00}, {$220.00}, {$240.00}, and {$80.00} 30 days expired and I received no response. 
I sent a second certified mail letter requesting since they have not validated these debts to delete them from my credit reports. They received the letter on XX/XX/XXXX. 

I received the first correspondence today stating they are only investigating one account and to allow them 60 days to validate the account. They are only allowed 30 days and that time period has lapsed...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: LoanCare, LLC
State: WI
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: Problem with personal statement of dispute

Complaint:
Company still refuses my request to discontinue PMI insurance even though late payments were removed from my credit report. My first request to discontinue the PMI was in XX/XX/XXXX and there were no reported late payments on my account in the prior 13 years. Since I filled my complaint, I have not been able to contact the company by phone on several attempts and waiting on hold for several hours. The company has now began retaliation efforts by holding my mail in payments and not applying them until after the XXXX of the month and adding a late fee. My XX/XX/XXXX payment was mailed on XX/XX/XXXX and not applied to my account until XX/XX/XXXX. All of my other mortgage payments mailed on the same day were applied to my all of my accounts within 6 days.

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 2019-10-26
Company: CAVALRY INVESTMENTS, LLC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/XXXX, I ( we ) decided to use XXXX XXXX XXXX ( XXXX ) to consolidate our credit card debt. This debt involved 5 credit cards totaling {$32000.00}. As part of this process, we agreed to stop paying our debt directly to the credit card companies to allow XXXX to negotiate a reduced amount. Our 2 XXXX credit card accounts were subsequently transferred to Cavalry Portfolio Services for collections. Additionally, in XX/XX/XXXX, we signed an agreement with XXXX 's sister company XXXX XXXX to pay off all of the credit card debts, pending targeted negotiations. The XXXX cards were then paid off by XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX respectively. 

Knowing that these accounts had been charged off by XXXX and now had a XXXX balance I contacted Cavalry Portfolio Services on the morning of XX/XX/XXXX. When I spoke to customer representative, XXXX XXXX, I confirmed that not only did these accounts had a XXXX balance but that my name is not even tied to the credit card accounts. This info is critical because these XXXX cards are still on my credit. If my name is not associated with these cards then it should not be included on my credit report! When I asked the Cavalry Portfolio Services representative to report this information to the credit bureaus, he referred me to his supervisor. The supervisor emailed me attachments of the satisfaction letters from both accounts. As further evidence to support my claim, my wife 's name is on both these letters and mine is not present. The supervisor could not guarantee that these accounts would be removed from my credit card report nor did he refer me to anyone else in the company that could handle my concern. Currently, these credit card accounts are still on my credit report. Please help remove this injustice from my credit report so that I can improve my credit score. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26
Company: Capio Partners, LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Was making payments monthly. Was never given another bill hence didn't pay and didn't think any other amount was outstanding. Never received another bill or invoice nor any document indicating further attempts to collect debt or pay bill otherwise would be sent to collection. Never obtained even 1 bill or invoice from this collection agency. Only now saw it showed up on my credit report XXXX XXXX XXXX/CAPIO XXXX XX/XX/19 XX/XX/19 / {$1100.00} XXXX {$1100.00} XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX/XXXX ORIGINAL CREDITOR : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery claims I owe them {$560.00}. I do not owe them this money as any money owed was paid years back. The costumer service of the company said they would fix this problem and that it will no longer show up on my credit file. It still does which Is a huge problem since I do not owe them said amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21
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: Personal information incorrect

Complaint:
I have expressed that the following addresses are incorrect and that they need to be removed. I have also called all collectors to update my only address that needs to be on file. The following names are also incorrect and have never been linked to my social security card. My phone number on file should also only be XXXX instead of this long list of phone numbers that are not mine. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I sent over my DL and social security card with my name listed as XXXX XXXX XXXX XXXX and my address as 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 2023-02-06
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have been trying to get my personal information on my credit report corrected since XXXX 2022. The names, address are all incorrect. Can you please assist me. All help is appreciated

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 2023-01-04
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:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2019-01-22
Company: EQUIFAX, INC.
State: TN
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:
identity theft. 
unauthorized inquiries on report. 
in attached police report XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: Navient Solutions, LLC.
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:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: Early Warning Services, LLC
State: TN
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:
On XX/XX/2023, I reached back out to XXXX XXXX XXXX because they are still reporting to both XXXX and Early Warning Services that I have some sort of charged off and/or delinquent account with them which is causing me to still not only open any accounts at a national bank, but is also affecting me in trying to open accounts at local banks and has caused my existing bank ( XXXX XXXX ) to close my account all predicated on their frivolous and erroneous reporting of an account that does not exist. They have sent me a letter stating that they are not reporting it, but the other banks have verbally stated that the reason for closure or for me to be unable to open an account is because of what's being reported to XXXX and Early Warning Services. This is literally the example of holding my banking privileges hostage and this is illegal in nature. The reporting agencies have to bear responsibility as well in the erroneous reporting as this type of treatment is very systemic in nature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
WHEN THE PAMDEMIC STARTED JUST LIKE MILLIONS OF PEOPLE IN THIS COUNTRY I WAS AFFECTED FINANCIALLY LUCKILY THE PPP LOAN WAS INTRODUCED AND I GOT APPROVED THE FUNDS WERE DEPOSITED TO ME IN XXXX CAPITAL ONE TOOK IT UPON THEMSELVES TO FREEZE MY FUNDS AND ALSO CLOSE MY ACCOUNT I SUBMOITTED EVERY DOCUMENT THEY HAVE ASKED ME TO PROVE I QUALIFY FOR THE PPP LOAN TILL THIS DAY I HAVE NOT BEEN NOTIFIED OF THE INVESTIGATION RESULTS I REACHED OUT TO THE SBA THEY TOLD ME THEY HAVE NOTHING TO DO WITH THE INVESTIGATION AND THAT I AM STILL RESPONSIBLE FOR PAYING BACK THE LOAN. MY BUSINESS IS HOW I FEED MY FAMILY I CANT OPERATE MY BUSINESS MY KIDS AND I ARE BARELY SURVIVING I DONT KNOW WHY CAPITAL ONE IS DOIN THSI TO ME I DEFINITELY PLAN ON CONSULTIN WITH AN ATTORNEY TO SUE YOU HAVE NO IDEA HOW MUCH OF AN INCONVENIENCE THIS HAS CAUSED ME WE ARE ABOUT TO BE HOMELESS I HAVE CRIED EVERY NIGHT NOW I AM EXPERIENCING XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I filed bankruptcy ( case XXXX ) XXXX California Courts in XXXX 2014 and it was discharged on XXXX 2014. I am currently and still receiving billing statements and letters to collect on the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 credit card charged an annual fee. This is second year they have done this. I thought the card was closed. I don't have it or use it. I am a XXXX XXXX  so I am not present at home for random mail ( been gone 2 years ). XXXX XXXX apparently charged a XXXX annual fee ( had no knowledge of it ) and added multiple fees ( now up to {$99.00} ) in a week!!! I found out when my credit score while buying a house decreased XXXX points for 30 days late so I quickly tried to call and fix it. 1 week later they reported AGAIN as 60 days late and now {$140.00}. None of this is correct. I paid the {$99.00} immediately after I saw what was going on even though I don't feel as though I owe them a dime. They told me I had to fax a letter why so I did. No response and no one will discuss it they just keep nailing me and now have it as {$58.00} going in 90 days. It's completely wrong and no one will fix it or help me. It destroyed the chance I finally had to purchase a home. Why would they not fix the situation and why is it legal for them to continue with fraudulent information? Please I need help fixing this!! XX/XX/XXXX XXXX points 30 days late. XX/XX/XXXX XXXX weeks later XXXX 60 days late. Honestly I feel like it's fraud.

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 2021-06-26
Company: Bonneville Billing and Collections
State: NV
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My XXXX got repod in XX/XX/XXXX and it has been charged off in XX/XX/XXXX. I received a letter from a debt agency asking for the full amount of the loan, even after I paid on the loan for almost 3 years. The car is valued at only {$4000.00} now. {$9000.00} has been written off, but the collection agency wants me to pay {$13000.00}. I was wondering how can I fight this? I received the letter today but the letter itself is dated XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/ the TD Bank applied two fees, {$20.00} each, to my mortgage account, following the successful resolution of outstanding mortgage balances by the government assistance fund ( HAF ) up to XX/XX/. HAF 's payment went through on XX/XX/, after the excessive validation of the loan reinstatement amount by HAF and TD bank using federally approved system, etc. The fees do not have any description associated with them and are impossible to understand. ( On a call, TD bank XXXX refused to remove/adjust the fees and told me they were for property inspection, but in that case they should have been rolled into the reinstatement figures submitted to HAF ). The fees resulted in {$40.00} shortage on my XX/XX/ mortgage payment and the payment was not applied creating the possibility for additional fees and late charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-26
Company: Harley Davidson Financial Services Inc
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I PURCHASED A NEW HARLEY DAVIDSON SEVERAL YEARS BACK. I MADE THE PAYMENTS ON TIME. IN MORE RECENT YEARS I HAD A FEW ISSUES FINANCIALLY THAT CAUSED ME TO GO OFF MY PAYMENT TRACK. I LOST MY JOB TWICE AND TRIED TO CATCH UP AS QUICKLY AS I COULD. BUT MY HOLE WAS DUG TOO DEEP. I FELL BEHIND WITH XXXX XXXX XXXX BY 90 DAYS. I CONTACTED THEM VERY FREQUENTLY AS I TOLD THEM I WAS MAKING EVERY EFFORT TO PAY THEM OR I PAID WHAT I COULD BUT IT WOULD NOT TAKE ME OUT OF 90 DAYS. THEN I RECIEVED MY TAX RETURN AND PAID THE BALANCE IN FULL AND ASKED IF THEY COULD REMOVE THE NEGATIVE MARKS OFF OF MY REPORT SINCE I WAS PAYING IN FULL. I WAS TOLD NO THEY WERE WELL WITHIN THEIR RIGHT TO REPORT ON ME. IT IS FOR THIS REASON I WILL NEVER BUY ONE OF THEIR VEHICLES AGAIN. I WENT THROUGH A HARDSHIP AND FOUND A WAY TO PAY IN FULL WHAT I OWED, THEN I ASK FOR HELP AND THEY SPIT IN MY FACE. I JUST WANT MY PAID IN FULL ACCOUNT REMOVED OFF OF MY CREDIT REPORT. MYSELF AND LEGAL TEAM HAS NOT HAD ANY RESULTS. I WILL ATTACH A COPY OF THE CREDIT REPORT SHOWING THE ACCOUNT AND A LETTER I RECENTLY RECIEVED BACK FROM THEM ABOUT MY DISPUTE. WHEN I AND THE LEGAL TEAM DISPUTED THE ISSUE I SENT A CERTIFIED MAIL LETTER CONTAINING MY REQUEST AS WELL AS A COPY OF THE CREDIT AGENCIES REPORTING THE NEGATIVE INFORMATION. ON THE LETTER HAD ALL MY PERSONAL INFORMATION. HOWEVER THEY SEND A LETTER BACK STATING THAT THEY DID NOT HAVE ENOUGH INFORMATION FOR A CLAIM. THIS IS HOW THEY KEEP AVIODING US. I AM JUST ASKING FOR FAIR TREATMENT FROM A PAID OFF CREDITOR. IT SHOULD NO LONGER BE AN ISSUE FOR THEM TO REPORT ON ME THEY HAVE BEEN PAID. I HOPE YOUR ORGANIZATION CAN PLEASE HELP ME.

Company response to consumer: Closed with explanation