BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX PORTFOLIO XXXX PORTFOLIO RECOV ASSOC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious PORTFOLIO XXXX PORTFOLIO RECOV ASSOC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates , LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX  District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
Company: State Collection Service, Inc.
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX, 2017 State Collection Agency placed a debt collection on my credit report in the amount of {$420.00}. I have requested validation of said debt and have only received a bill. The bill does not prove that the debt is owed. I do not have a written contract with State Collection Agency. I have not been provided a contract between them and the original credits for collection authority.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: EQUIFAX, INC.
State: NY
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 did not consent to, authorize, nor benefit from any of the following inquiries and collections. This is a violation of 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose. I would not be going through an FTC report if this was not an error. Please block and remove them immediately : XXXX XXXX : XX/XX/XXXX XXXX/XXXX  : XX/XX/XXXX XXXX  : XX/XX/XXXX XXXX  : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX  XXXX XXXX  : XX/XX/XXXX XXXX/XXXX  : XX/XX/XXXX XXXX XXXX, XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX/XXXX  XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: First Direct Mediation
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Someone named XXXX called. He did not say which company he worked for. He stated this is a final attempt to complete processing paperwork. He said due to my negligence in responding, I will be reported as non-compliant. 
He never mentioned who the debt collector is or the amount of the so called debt. 
I do not have outstanding debts. All of my credit cards are current. This person is harassing me and my family as well. Apparently, he is calling anyone with my last name or anyone who is connected to me. My former mother in law, my sister and brother-in-law, my ex-husband. This is harassment for a fictional debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: Experian Information Solutions Inc.
State: NY
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 a XXXXXXXX XXXX XXXX account on my credit report that is showing numerous lates. this account was never late, and was paid off in XXXX of 2012! This account does not appear on any other credit report. I have disputed it, but it now appears as paid with many lates.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: Specialized Loan Servicing Holdings LLC
State: OR
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I'm including a PDF of my XX/XX/XXXX Letter to Specialized Loan Servicing ( " SLS '' ). The XX/XX/XXXX2021 letter to SLS is the latest in multiple communications with this loan servicer. 

As you will see in the attached XX/XX/XXXX PDF/Letter/Attachments, we have substantive unambiguous documentation which confirms that we are no longer responsible for the debt they are endeavoring to collect. 

We have been providing documentation to SLS since their first involvement. The XXXX XXXX XX/XX/XXXX, the originator of the HELOC, should have released our home as security for this debt following a dispute resolution exercise they inspired in in 2019. 

In the simplest terms, our obligation to the debt, for which SLS is now threatening a foreclosure, no longer exists.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: U.S. BANCORP
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:
On XX/XX/XXXX, I reviewed my credit report that reflects a credit card with {$4000.00} charges. Due to the interaction and issues with the card, I would not use the card. After 10 years, I did not remember the card with a XXXX balance until XXXX. However, XXXX XXXX formerly XXXX XXXX XXXX XXXX XXXX manipulated information to extend credit reporting history. In additional, XXXX appears on my XXXX Credit Report but sold the account to Elan Financial fraudulent charges for collection. On my XXXX Credit Report, Elan Financial Services added the same derogatory information to force me to pay the fraudulent charges. I have made any payments to XXXX XXXX, XXXX nor Elan Financial Services there should not be a payment history. Due to their unethical way of keeping the credit card fraudulent charges on my credit reports, theyve manipulated dates, payment history, closed dates and the creditor thats holding receivable. It has been over 7 years for the credit card anyway and should have been removed from all credit reports in XXXX or XXXX. Again, manipulating dates and payment history extends their credit reporting ability.

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 2018-08-13
Company: ERC
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I sent my first attempt for debt verification XX/XX/XXXX asking to provide me with proof of a signed signature with ERC which they failed to provide. I sent a second attempt for debt verification on XX/XX/XXXX asking again to provide proof of a signed signature with ERC since they are the reporting agency on my credit report. The negative information was removed but then later reinserted between XX/XX/XXXX and XX/XX/XXXX according to XXXX XXXX and XXXX XXXX credit monitoring services. I sent a third attempt for verification sent on XX/XX/XXXX asked to have the negative files removed since they failed to provide proof of my signature with ERC. I finally sent them a letter which would be my final attempt on XX/XX/XXXX informing them of the actions I have to take since they're doing illegal practices by updating the date of insertion with a different name now listed from ERC to XXXX XXXX XXXX on credit files between the dates of XX/XX/XXXX and XX/XX/XXXX according to XXXX XXXX and XXXX XXXX credit monitoring.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NJ
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
OneMain contacted at least one of my references via telephone. The caller left a voicemail indicating that they were a debt collector calling from OneMain and requesting a call back. My reference called back and was told that OneMain was a debt collector trying to get in touch with me regarding a debt. This is a blatant FDCPA violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
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: Old information reappears or never goes away

Complaint:
I disputed this account information starting XX/XX/XXXX- XX/XX/XXXX. The  account is aged and needs to be removed. It's been removed from XXXX but still remains on Equifax and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation. This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit

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 2020-01-30
Company: Experian Information Solutions Inc.
State: NY
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:
Experian is not providing me with any kind of documents that shows I actually opened accounts on my credit report or anything containing my signature

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 2019-05-25
Company: Experian Information Solutions Inc.
State: CA
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 submitted a dispute for a company named XXXX XXXX XXXX, this company says I have a balance. This company was under my bankruptcy and it has since been discharged.

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 2019-10-08
Company: Early Warning Services, LLC
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2019 I attempted to send money to my husband the amount of XXXX using Zelle. The transaction was delayed for some unknown reason, when I noticed an hour later that the money had never been received by my husband I contacted Zelle, the representative told me because there was a glitch in there system it canceled the transfer and the money would go back into my account the next day. Well the next day came no money. I called them again and they said it depends on my bank who by the way is XXXX XXXX XXXX XXXX. So I called them and they said sometimes it can take up to 3-5 days so again I waited no money. I decided to do a claim with my bank at this point because Zelle is saying that my bank is holding the funds and my bank is saying Zelle never released the money back to them. I filed the claim on XX/XX/XXXX and was told by my bank to wait 7-10 days as I did on the 10 day I called my bank and to my surprise they hadnt even started my claim stating that I never attempted to reach out to Zelle, no one from my bank ever called me to ask any questions to know if I had contacted Zelle which I did a numerous of times. When i finally spoke to someone in the dispute department she said she would start my claim process on XX/XX/XXXX, but because of their policy its credit on credit received which means I wont get my XXXX back until Zelle sends them the money. Its been an entire month that I have been without my XXXX and my bank or Zelle cant seem to tell me where my money went. If you all can please help me in recovering my funds I would greatly appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: Collection Management Services, Inc.
State: TN
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 filed a dispute in regards to the incorrect items on my credit report, its been well over 30 days and I haven't received any investigation results.

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 2017-11-17
Company: DISCOVER BANK
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have spent many hours calling Discover in attempt to resolve their derogatory items on my credit report. Nobody has given me a clear explanation of the reason for the late payments reported to my account. Their representative scheduled my payments over the phone and then Discover increased my interest rate so that the payments would be inadequate. Regardless, this difference should have been nominal and I do n't believe I was ever more than 60 days late. In addition, a Discover representative specifically told me to disregard any notices from Discover about late payments. When I spoke to managers at Discover who had reviewed calls I made to Discover, they acknowledged that their representative told me this, yet refused to correct my credit report. Furthermore, it is impossible to monitor the status of my accounts because their website reflects payments in a convoluted manner and even when I have called, the representatives have not been able to explain how my payments were allocated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-08
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account is negatively reporting a debt collection to all 3 credit bureaus after its been proven that the account did not belong to me. This company inaccurate information is negatively affecting my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
Company: TD BANK US HOLDING COMPANY
State: KY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Hello, a little over a Week ago I applied for XXXX XXXX and was approved for {$32000.00} credit limit. I was trying to purchase a device for $ XXXXand all went though just. A day later I was checking my order to find out it was declined. I called the bank and was notified everything Was OK on their end and nothing is wrong with my account, and they haven't seen any activity from XXXX. I called XXXX and was advised to cancel the order and re order again. I did has was advised to get the same results again. This been going on for 10 days and was asked to do it over and over again with the sane results and no one is willing to fix the problem. I feel that now, I've used my good credit to apply to a service I can't even use, and in result, it might effect my credit. 

I ask of you to help us fix the problem. I see that it is an on going problem for several months now and lots of people are complaining about the same issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On or around XX/XX/XXXX I discovered multiple inaccuracies on my credit report, including but not limited to, two capital one credit cards, with charge-off balances of {$510.00} and {$300.00}. On or around XX/XX/XXXX, i sent correspondence to Capital one in an attempt to dispute the fraudulent accounts and all charges associated therein. Capital one failed to respond. In XX/XX/XXXX I filed an Identity Theft Report with the FTC and sent a copy of same along with correspondence to each credit bureau identifying all fraudulent accounts and further requesting that all unauthorized charges be blocked from my credit report pursuant to FCR.605 ( B ). On XX/XX/XXXX I advised that I did not open or authorize this account, and I requested that it be closed immediately. I requested that the company send me written confirmation that I am not responsible for charges on this account, and to take appropriate steps to remove information about this account from my credit files. Because the information the company reported is the result of identity theft, and inaccurate, I requested that they stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). To date, the company continues to report two fraudulent capital one credit card accounts which continue to negatively effect my credit. Capital one has not and can not provide any credible evidence to establish that the credit card accounts were opened by me and I continue to maintain that I did not authorize the accounts and/or receive any benefits as a result therefrom.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: Merchants and Medical Credit Corporation, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company was sent various certified letters requesting debt verification documentation & debt removal over 50 days ago. However, they havent responded to any of the letters and is continuously reporting inaccurate information to all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-25
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have a monthly payment with Synchrony bank. I have never missed a payment. They suddenly closed my account with a remaining balance without being notified. It greatly affected my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
On XX/XX/XXXX, I contacted Capital One Auto to ask about additional time on my last installment due to having issues during COVID financially. Additionally, I asked if I made this payment late would affect my credit. The rep told me that as long as I make the payment before Capitol One does there monthly reporting that I should be fine. We came up with the date of XX/XX/XXXX and I paid on that exact date. When they updated my credit to show that my car was paid off they gave me a late payment on all of my credit reports for XX/XX/2021.

Company response to consumer: Closed with explanation