BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-31
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking.I am a victim of identity theft and noticed a collection from XXXX XXXX. I've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against XXXX XXXX in regards to this matter. The FTC also instructed me to complete and theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Federal law requires that you provide mechanisms to make sure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading, or incomplete, 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 non-monetary relief
Consumer complaint received 2019-01-07
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 already discharged in bankruptcy and is no longer owed

Complaint:
XXXX XXXX  prepaid card was purchased at local corner store. My desired amount was placed in card. After total use of balance the card was thrown out. XXXX XXXX  sent me in this collection process. They can not be paid back based on info provided on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: NAVY FEDERAL CREDIT UNION
State: GA
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:
I sent a dispute letter to all 3 credit bureaus about a charge-off account that in my name. I stated in my letter that a document showing that I signed for the loan amount was accurate. The credit bureaus and navy federal did not produce any documents that verified I owe the amount of XXXX to the navy federal bank. XX/XX/2020 is the date I sent my dispute letters and XX/XX/2020 is when I received my response

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08
Company: HYUNDAI CAPITAL AMERICA
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I spoke to KIA in XX/XX/XXXX about my account. I have been unable to work since XX/XX/XXXX, I receive 60 % of my salary. I had to place six to ten payment to the end of my car loan since XX/XX/XXXX. I spoke with them around XX/XX/XXXX. I explained I could not payoff this loan XX/XX/XXXX. They said I could keep making the monthly payment until it is paid off. Now I get a letter saying I am 48 days pass due as of XX/XX/XXXX. I wanted the due dated extended till the total payoff of XX/XX/XXXX. I had to take a double look and see they sent a default notice to me anyway. I owe {$700.00} I called twice to get help, all they kept saying was pay now, pay now. I felt such pressure I said I would pay {$100.00} by XX/XX/XXXX. However the clock keeps ticking and they are reporting me late on my credit report. I get paid once a month on the XX/XX/XXXX, Please can you help me.I already got beat by KIA selling me a fraud type car warranty. I also want add the KIA warranty to this complaint. Never used it, never asked for it, they added the {$3000.00} to my loan

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I went to my bank to see where to start in order to get a loan for a home. The loan officer told me that I did not qualify. I have been with this credit union for 20 years and has never had a problem. I have reached out to the FTC and to my local police department and have been doing this on my own behalf. I went and look at my credit and there are things on there that are not mine and would like for you to remove them XXXX XXXX XXXX  and XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Struggling to pay mortgage

Complaint:
on XXXX I called XXXX XXXX about my loan status listed as " In Foreclosure. '' The company is seeking a payment of {$3800.00} from me. This is an internal problem with this company.

I have receipts for my taxes, marked paid, as well as a current paid monthly Home Owners Insurance document and a signed Occupancy Certification one.

So what documentation do they have saying this loan is in default. 
Their letter of XX/XX/XXXX supports my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: Bread Financial Holdings, Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been sending dispute letters for the account and I have not had one response from this company. They were not able to provide any form of documentation to verify this specific account with me. If they are not able to verify this account with me- the alleged account holder - there is no way you were able to verify this

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08
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: Information belongs to someone else

Complaint:
I went to my bank to see where to start in order to get a loan for a home. The loan officer told me that I did not qualify. I have been with this credit union for 20 years and has never had a problem. I have reached out to the FTC and to my local police department and have been doing this on my own behalf. I went and look at my credit and there are things on there that are not mine and would like for you to remove them XXXX XXXX XXXX and XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-06
Company: Experian Information Solutions Inc.
State: GA
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:
An inquiry dated XXXX XXXX, XXXX is reporting on my credit. I did not authorize anyone employed by XXXX XXXX XXXX to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c )  and a serious breach of my privacy rights. I 've sent a certified letter to the address listed on my credit report to the address of the company which was return as an un-deliverable address. Did not receive a response or proper resolution. On my XXXX report the company name is XXXX XXXX XXXX, On my Expieran report the company name is XXXX, XXXX XXXX, XXXX XXXX 

Also, I 've called and sent XXXXx a certified letter to resolve my concern. The only thing I 've received were continuously refusal to rectify this error.

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 2019-07-08
Company: CURO Intermediate Holdings
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
I had taken out a payday loan from speedy cash. Upon paying back the loan in person. The credit was never notated was sent to a collection agency

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08
Company: Diversified Consultants, Inc.
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Diversified Consultants added an account on my credit report for an alleged debt I do not owe. I do not owe them any money. They are flagrantly violating the Fair Debt Collections Practices Act, with their illegal debt collection tactics. When you speak with their customer service agents they are hostile and deceitful. They are flagrantly violating the Fair Debt Collections Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08
Company: PENTAGON FEDERAL CREDIT UNION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I HAVE ATTEMPTED SEVERAL TIMES TO HAVE PEN FED CREDIT UNION REMOVE MY NAME AS AUTHORIZED USER THAT I NEVER GAVE PERMISSION TO BE ADDED TO I HAVE FRAUD REPORTS ALL 3 BUREAUS AND THIS IS AFFECTING MY CREDIT AND I WANT ALL 3 BUREAUS UPDATED IMMEDIATELY AS THIS ACCOUNT IS DELETED!!!!

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 2019-07-08
Company: EQUIFAX, INC.
State: NM
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:
After 2 requests Equifax hasn't provided me with my Annual Credit Report. Details of the problem are in my XXXX e-mail to Equifax CEO, XXXX XXXX. >>>CFPB- If the file hasn't gone through then I need an e-mail address, so I can provide this communication to the Complaint<<<

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: KY
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 Associates added an account on my credit report for an alleged debt I do not owe. I do not owe them any money. They are flagrantly violating the Fair Debt Collections Practices Act, with their illegal debt collection tactics. They are deceitful and abusive and are flagrantly violating the Fair Debt Collections Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-08
Company: Resurgent Capital Services L.P.
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
LVNV Funding LLC added an account on my credit report for an alleged debt I do not owe. I have no idea who this company is. They are flagrantly violating the Fair Debt Collections Practices Act, with their illegal debt collection tactics. Their debt collection tactics are deceitful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My complaint is against I C SYSTEM INC account # XXXX. This collection company cashed out a check back in XXXX for the amount of {$490.00} with the condition that the account was going to be removed from al 3 credit bureaus. They chased the checkout but didnt remove collection from all reports. This is a clear violation of the FCRA and legal action is going to be taken in the event that this mentioned company does not remove collection from my reports. Im attaching a copy of the check this company cashed in with written condition of deletion.

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 2019-09-13
Company: Prosper Marketplace, Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX did not correct error with reporting from Prosper. Prosper will not correcet incorrect billing.

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 2019-05-15
Company: PlusFour, Inc
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Scheduled XXXX  appts w/an Dr that took my insurance in Nevada.A few days later I fled a XXXX XXXX XXXX ( police involved ) did not think to cancel appts. Drove from XXXX to XXXX with my XXXX, 2 dogs and the clothes on our backs. In XX/XX/XXXX I received a letter from XXXX XXXX XXXX.Spoke to them and mailed correspondence disputing the collection on XX/XX/XXXX. They closed account and said they would not seek further action on XX/XX/XXXX. The following year I requested a credit report from XXXX. Found a Plus Four Collection for the same acct. I called XXXX XXXX and they said they could do nothing about it as it was not them reporting to the credit agencies, it was Plus Four Inc who had forwarded the acct to them for collection. I called Plus Four and they refused to discuss it with me AT ALL as they were not licensed to collect in NYS. I disputed w/ XXXX - they removed from credit report. A few weeks ago I was told by my bank that XXXX was reporting the debt from PLus Four. Filed a dispute. They contacted Plus Four and were told that it was an active collection so it is not being removed from my XXXX report. This has affected the interest rate on home equity and auto loans. I again contacted Plus Four today, XX/XX/XXXX, and they again refused to talk to me. So I am stuck with XXXX XXXX saying it's a closed file but they can not assist in removing from credit reports as it is Plus Four that is reporting it and Plus Four is refusing any communication. They would not even provide me with an email or fax #.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
DIVERSIFIED CONSULTNTS INC CLAIMS I OWED THEM FOR SERVICE I OPEN WITH XXXX XXXX XXXX TWO MONTHS AGO. I DIDNT ANY ACCOUNTS WITH XXXX XXXX XXXX TWO MONTHS AGO. I ASKED THEM TO REMOVE IT

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07
Company: I.Q. DATA INTERNATIONAL, INC.
State: WA
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:
On XX/XX/2018 I sent a dispute to XXXX concerning my credit report. The dispute was : 1 ) The personal information reported by this creditor/Debt collector is incorrect.

2 ) The amount allegedly owed of a debt appearing on my credit score is fraudulently incorrect and reported incorrectly.

3 ) My lease was month to month and I had no balance when I moved. This is a retaliation tool used by this debt collector and landlords, to scare renters and block the ability for future rental. This fraudulent amount reports on my credit score for seven years blocking my ability for housing. 

On XX/XX/2018, I called XXXX as I had not been informed of any result of my dispute. XXXX attempted numerous times to get me to say my name was different. XXXX then informed me that they had made a decision to leave the information on my credit score on XX/XX/2018. I asked XXXX if they were going to inform me of their decision. The reply was, " we sent you an email. '' As I had not received any email or letter in the mail, I asked what Government agency I needed to contact for a review of their practices. XXXX informed me, " Consumer Reporting Agency. '' This information was incorrect. I called my local credit union and they assisted me in contacting Consumer Finance. 

I later discovered XXXX give the debt collection company any new information concerning me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-05
Company: Bread Financial Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
COMENITY CB # XXXX is reporting a collection with a XXXX  balance on my credit report. I have reached out numerous times to have this deleted from my credit report due to it being a debt that is not owed. I have attached the credit report reflecting this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: Caliber Home Loans, Inc.
State: IA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/XXXX - Initial Mortgage Refi application was taken from processor XXXX XXXX. XXXX stated that their loan application volume was very high and that it would take a few months before we would be able to close. 
XX/XX/XXXX - XXXX e-mailed to say income docs had not been received. I advised I was waiting for the XXXX tax extension document from our CPA. Income documents were emailed later that same day. 
XX/XX/XXXX - I received a letter requesting additional documentation. I called and emailed XXXX as I had some questions about what documents were required. I did not receive a response from him or anyone at Caliber Home Loans. On XX/XX/XXXX, I emailed all the requested documents as I understood them that were outlined in the letter, including documents already sent and asked him to contact me if there were any issues. I received no response. 
XX/XX/XXXX - I received an email from Caliber asking me to fill out a survey regarding the " Customer Withdrawn/Canceled '' status of our mortgage application. This was the only notification I have ever received that our application had been canceled. 
XX/XX/XXXX - I called Caliber Home Loans and they confirmed that the application had, indeed, been canceled. The person I spoke with said they could not reactivate it and the only alternative was to complete a new application. My original processor, XXXX XXXX was no longer working at Caliber Home Loans. 
XX/XX/XXXX - I wrote a letter to Caliber Home Loans at the address provided to me by the person I spoke with that day : Caliber Home Loans, XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX. I requested that they decision the original application since we provided all documents requested in good faith and that there was no legitimate reason for them to cancel the mortgage application. I offered to send in new documentation, but felt it was unfair to add another credit bureau inquiry due to their error. 
XX/XX/XXXX - I still have received no response from anyone at Caliber Home Loans acknowledging the letter I sent on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On my first complaint to Synchrony Bank they provide a response stating that because the applications were fraudulently submitted that they would contact the credit bureau to have the inquiries removed. Syncb/tjx Dc date of inquiry is XX/XX/XXXX, Syncb/qvc date of inquiry is XX/XX/XXXX and Syncb/ppmc date of inquiry XX/XX/XXXX are the three inquiries in question.

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 2019-05-15
Company: Caneel Capital, LLC
State: MO
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Approximate 7 years ago, I did a XXXX XXXX XXXXs deal instead of going into foreclosure. My concern was that both the first and second mortgage would be paid for and I would be free an clear of the property. I was reassured by the real estate and mortgage company that both mortgages would be paid and I could walk away from the home. 

Now, I have found that I have an outstanding judgement from the second mortgage company, and they are now garnishing my wages. The only reason I found this out was due to me getting an W2 job ( I have always worked as XXXX ). I found the case online, the process server didnt serve me but a ficticious roommate, I never had a roommate and I dont know the person named that received my summons to court. I have never received paperwork from either the law firm or the second mortgage company requesting payment. 

I do know that the home was sold to another family, and no Foreclosure legal process ever happened, nor did a judge remove the second mortgage from title. 


This {$30000.00} second mortgage is now $ XXXXthat I must pay off for them to release the judgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: Paypal Holdings, Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
I have a PayPal account. Every time I use my pay pal I make sure that I have enough money in my prepared payment. But couldnt understand what PayPal went into an account that wasnt a prepared payment. But they should of been any others fees as they collect the fee at the time purchase. They went into my account charging me from {$.00} to {$1.00} adding up my bank overdraft and return item fee to {$3000.00} plus dollars. I have paid into my over draft fee of {$800.00} and my bank was only willing to remove {$600.00} plus. And still owe my bank about {$1800.00} worth of fees.

Company response to consumer: Closed with monetary relief