BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-14
Company: PENTAGON FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2019 I received a letter from the Pentagon Federal Credit Union informing me that I am being upgraded to a PenFed Visa debit card to replace the ATM card that I've had for the past 18 years. I called the credit union and explained that I did not want or need a debit card and that I would like to continue with an ATM card. They informed me that it was a requirement placed on them to switch to debit card and would not provide me with the language and/or directive that requires them to do such. 

I followed with an online complaint to their board of directors ( the only avenue available after speaking to a rep ). I received an email reply stating they made the decision to stop offering ATM cards to members with checking accounts in favor of the Visa debit card.

I find this change to not be leading or best in class as they state, rather it is predatory marketing forcing a financial product into members hands with the anticipation of generating more income and revenue through their association with Visa. I nor any other member should not be forced into excepting a financial product that is unnecessary.

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 2017-12-29
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: DE
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:
Company XXXX XXXX keeps running my credit every 3months, I dont know this company and never applied with them. A lot of hard inquires on file, I have no knowledge of. A lot of fraudulent inquires.

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 2019-10-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Your company has designed, compiled, and furnished negative information about me to one or more consumer reporting agencies. Your company lacks a bonafide and meaningful relationship with me, meaning your company is NOT a party to any consumer credit transactions Ive executed, therefore, any and all unauthenticated information furnished by your company to any of the consumer reporting agencies should be regarded as hearsay. Furthermore, your company failed to provide me with prior and/or post written notification of its intent to furnish negative information about me. On top of that, your company failed to send, or mail me an initial communication apprising me of my right to dispute and/or request verification/validation of the alleged debt. Notice of the debt/negative information and that your company is reporting it is of particular importance to me, the deprivation of which has caused my character, reputation, and credit to be unjustly damaged. Despite not having received such notification from your company, I sent your company a notice of dispute more than 30 days ago, and requested that your company provide me with procedurally proper verification/validation of the alleged debt in the form of substantively admissible evidence, including, but not limited to, properly authenticated original account and loan level documentation. My notice of dispute and request for verification/validation remains unanswered, and has not been returned to me as undeliverable. In the event that your company responds to this complaint countering that it did mail/send me written notification of any kind, and that it was not returned to them as undeliverable, I would like this record to reflect that I completely and unambiguously deny such a statement and respectfully request that your company provide me with the name or names of the person ( Natural ) or persons who possess personal knowledge of those facts as well as proof of service/proof of mailing. Im not playing games with you people. Your unfounded assertions, and erroneous reporting have caused me significant injury and Ive had enough. *So as to avoid any potential issues, discrepancies, and/or confusion, a screenshot of my consumer report containing the alleged ( but unrecognized ) account number, as well as the name of the collection agency who furnished the negative information about me, has been uploaded to this complaint as an attachment. ( See below )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: ProCollect, Inc.
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 PROCOLLECT. 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 againstPROCOLLECT in regards to this matter. The FTC also instructed me to complete and theft affidavit through identity theft.gov. 

This debt was agreed to be removed by XXXX and pro-collect. It was deleted 4 months ago and then reinserted/re-reported last month on my credit report as a new collection. 

Attached is my document. Thank you

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 2019-10-18
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
This account is being reported inaccurately. I am seeing repetitive late marks which is a violation. Also, I am seeing series fo late payments after the closed date. It is impossible to be late on a closed account. 

I have disputed this a couple of times but never got a response from them and no proper resolution of the 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 2017-11-14
Company: Lending Club Corp
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I received an email from the Lending Club on XXXX XXXX, XXXX that my loan application was being denied due to inadequate income. The problem is I did not apply for a loan. This was a total surprise. I called this company on XXXX XXXX, XXXX and XXXX, XXXX. I currently have a loan opened in XXXX XXXX. I requested a copy of the loan application which they were unable to produce. The big 3 credit bureaus were contacted and have security freezes and fraud alerts on my accounts. The fraud unit of Lending Club sent a report I can fill out for law enforcement. The claim is I checked the loan rates on XXXX XXXX, XXXX which I did not. I live alone with my puppy. No one else has access to my computer. Since no proof could be furnished of loan rates being checked, other consumers should be aware of questionable practices of Lending Club. From what I have read online, this situation has happened to many people. If I had known how this company operates, I would not taken a loan from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: FIRST NATIONAL BANK OF OMAHA
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX XXXX have failed to comply with my numerous prior validation request sent to them, in direct violation of Title 15 U.S.C 1692g.

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 2019-06-15
Company: AFNI INC.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2019 I reached out to XXXX  regarding payment owed on account. I was sent information via email that the collection company Afni is now overseeing the account.

I connected with Afni the same day and paid the account off in full. I was sent a notice of payment letter as my own personal proof shortly after. 

I disputed the account three separate time within the last 30 days along with proof of payment and XXXX continues to deny that the notice is indeed an accurate proof of payment.

I connected with both parties XXXX and Afni whom have confirmed that the debt is paid off and shows in both systems. Im not quite sure where the miss is but I would greatly appreciate someone of proper authority to handle and rectify this situation once and for all. 

XXXX has expressed that they only take uploaded documents to share with the collection company and do not ultimately make the decision of updating the account. 

Ive been patient with all three companies and spoke with respect to every representative involved. I would like a solution moving forward rather than all companies pointing the finger at one another. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Investigation took more than 30 days

Complaint:
For the past several years I've been reporting false education late payments listed in my credit report directly to all three major credit reporting agencies. I've also taken my dispute directly with the school " XXXX  XXXX XXXX '' and they have not corrected the matter. XXXX was the original education loan I obtained and was in forbearance when XXXX was sold my loan - I was never late and the problem was with the exchange between the two institutions on how they handled handover. 

This false information has impacted my financial livelihood and is making very difficult to deal with - please help.

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 2019-10-18
Company: Midwest Recovery Systems
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: Information belongs to someone else

Complaint:
On XXXX XXXX, 2019 Midwest Recovery Systems falsely reported to the credit bureaus that I owned {$500.00} for an unpaid balance due to a company that Ive never heard of. 

I contacted them immediately and have not been able to get in touch with them. I have attempted to reach them via fax, email and calling. No one is available. 

The company this alleged debt was acquired under is not a real company that I can find. I have searched numerous business databases and the internet for hours. 

Additionally, based on the name of this frivolous company alone, it appears to be a payday loan company. Payday loans, or cash advance company are illegal in my state of Arizona and our usury laws. Additionally, if this was a legitimate claim, it would have had interest, fees and not be an exact {$500.00}. But this is. 

This so-called debt collection company has been connected with numerous other consumer complaints, where people have reported scams and has even had their accreditation by the XXXX XXXX XXXX revoked.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: ID Analytics, 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: Personal information incorrect

Complaint:
My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX OHIO XXXX DOB XXXX SS XXXX I would like to order a Full and Complete Copy of my XXXX XXXX, XXXX  analyst Full report, and a full copy of my XXXX report. I am having issues with unknown addresses and information that keeps reappearing on my file or incorrect information the is reoccurring that is reporting from various/different databases. I would like an up-to-date copy for my own personal review. This will allow me the opportunity to address any errors and make the needed adjustments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have an account on my credit report that was deleted by Experian several months ago due to someone stealing my information and getting an apartment. I noticed last month that Experian has reinserted or re-reported this collection back onto my report as a new debt collection. 

I have sent a letter pressing them to remove it and no response yet. The letter was sent XXXX. I 'm trying to move forward with something and need to use my credit but because of this collection that is put on hold. 

Experian is a big company and I know I 'm just a number of them but I 'm hoping to shine some light into this and get the service I need. 

Thank you, 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 2017-11-14
Company: Moxley & Associates, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Moxley & Associate LLC have failed to comply with my numerous prior validation request sent to them, in direct violation of Title 15 U.S.C 1692g.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: RELIANCE FIRST CAPITAL LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
After refinancing with Reliance First Capital my monthly mortgage was XXXX. Then it changed after 6 months to XXXX I was told my escrow was too low. I was told in XX/XX/XXXX the pymt will go back to XXXX. I changed my home insurance XXXX XXXX to all state it saved me XXXX same amt of coverage. My yearly pymt went XXXX XXXX. XXXX. XX/XX/XXXX Now a couple of months after that I received a letter stating I have to have PMI insurance which was never added til now. My mortgage statement is requiring I pay XXXX Can you please advice me if reliance is ripping me off? 
Also not long ago I was looking into refinancing I realized the rates were too high so I declined. I received a call XXXX XXXX XXXX who did my refinance at Reliance first Capital he said & I quote I was watching you credit inquiring are you looking to refinance I said no I am not. We ended the call right after. is that legal? 
Signed XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
Company: Experian Information Solutions Inc.
State: VA
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:
Hi my name is XXXX XXXX and I went through Experian to dispute my XXXX XXXX bill witch is {$1400.00} past due. But I explained that I called XXXX and they had no information of my past due balance and the reason why I have that is because my sister was on my plan and when I went into bootcamp she got here phone shut off twice and racked that bill up so I feel like I shouldn't have this on my credit report but Experian didnt take it off and did nothing to it once I disputed it with them. All I want is it to be off of my credit report please.

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 2017-07-09
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My friends and I were visitng XXXX and purchased gemstones from a jewler on XX/XX/XXXX and XXXX 2017. We were assured that they were mined, processed, and genuine gemstones guaranteed by the government of XXXX. We were also told by the store manager that if we did not find the stones to be of gem quality, they could be returned for a full refund. We had those stones evaluated by two independent jewlers and they were found to be pieces of glass instead of gemstones. Since then we have returned the " gemstones '' by XXXX to the vendor and have confirmation that the store received the merchandise. Some of my friends, who also made purchases, have had their charges reversed by their banks. I have enclosed one such letter stating this fact. Somehow my bank ( Chase ) is finding it hard to understand that fake glass does not cost thousands of dollars and they should not charge for merchandise that has already been returned. X/X/17- {$4400.00} X/X/17- {$800.00}, {$5200.00}, {$1000.00} Copy of correspondence with the bank is enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
Company: Experian Information Solutions Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a loan with XXXX XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both ( Experian ) and ( XXXX XXXX XXXX XXXX ) with no successful resolution. ( Experian ) only reporting me late. There was definitely an error on their part. I was never 30 days late ( XX/XX/2016 )

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 2019-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 have contacted XXXX, XXXX and Transunion about a home loan that is reporting 30 days late on my report. I have sent in proof that the home sold in XX/XX/2017 which is the month XXXX is reporting it to be late. I have been going through this for well over a yr now. I spoke with them on today and I was told that XXXX stated that the information is true even though I submitted proof when the home sold and I was told anyone can create a document on their computer and they are not going to remove it. I was told that they are certified to tell the truth and I am not therefore they must believe what the company say.

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: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a call at my work place today XX/XX/XXXX from XXXX XXXX XXXX ref # XXXX. They stated that I took a loan out with Ace Cash Express on XX/XX/XXXX. They did not tell me the amount. I have had to previously dispute a payday loan with Rise. I had to file a claim of fraud and send it to them to dissolve the issue. This is the first notice I have had of any debt owed to Ace Cash Express. I was then called by XXXX by XXXX who threatened to come to my work to serve me with court papers. I have not taken out a payday loan in over 10 years. They did not care that this was not taken out by me. I was told that I either had to pay the debt or they were taking me to court. I informed them that I was filing a complaint with CFPB and the FTC.

Company response to consumer: Closed with explanation