BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-16
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Discover asked me for my information to do some verification. After giving me another hard credit pull, they just closed my accounts without reason. It hurts my credit score and history badly. I had only <5 % utilization with them. Always paid in full and on time. Called them and asked if I could provide additional information such as pay stubs, the agent told me they couldn't accept anything, and that's their decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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 had already paid this Kohl 's account and they are still reporting it on my credit report but they keep updating it and it is hurting my credit. Even the date of late payment is different across each credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: Credit Protection Association, L.P.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
To whom it may concern, This complaint is with Credit Protection. I pulled my credit report and seen an account  from there for {$1800.00} from XXXX XXXX XXXX XXXX.  The number listed on my credit report is XXXX but the IVR prompted me to call XXXX. I spoke to XXXX who advised that they rcv 'd account X/XX/2012. She advised that they have been sending letters to addresses they had on file ( which were n't correct ). She advised that she could n't tell me when the letters were sent nor when they originally reported the account to the Credit Bureau 's. I asked if she could send me proof of ownership. I.e. Original documents sent to them by creditor and if they rcv 'd any returned mail. She advised that there was no mail returned and that she can only send an itemized bill. She did advise that she will send information to the creditor to request original documents. I requested to speak to a supervisor. She transferred me to XXXX who originally stated that my account was 1st sent to an agency on X/XX/2012. advised that, that is incorrect as account is listed on my credit report since X/XX/2012. He also advised that there was a letter sent out in X/2012 but they got a return from the post office. He advised that they have this account listed as " bad address ''. I have never rcv 'd a bill or any kind of mailing for this account. I was never given a fair chance to make arrangements to pay this account before this hit my credit, if this is a valid debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XX/X/2016 After repeated calls I asked the manager of XXXX XXXX XXXX to not call my work and gave my personal cell phone number. Reminded them that the fair trade commission established the fair debt collection practices act and under this act it states that after I have given them a oral warning not to call my work its consider harassment and if they continue to call my work I can seek legal pursuit after them.I have now documented and my front office has documented several times they have been calling my work number. They do n't seem to understand and continue to harass me and now I might lose my job because of it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-13
Company: Monterey Financial Services LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have an issue with a company called  Montery Financial Services. I  have authorized them to on the  XXXX  of every month starting on  XX/XX/XXXX     to withdrawal the amount of approximately {$150.00} dollars from my bank account. However, for whatever reason for the first month the automatic withdrawal did not go through. Having me to call in an do a charge over the phone at the rate of an additional {$15.00} dollars per transaction. The contract I signed was allowed for {$150.00} per month an not the additional fees they tack on for their arbitration of refusal for payment.  <P/> I called during the second month to see why it was taking my automatic payment so long to post. Only to be told it can take up to  five  business days to process the card. However during that interim they charge an additional {$10.00} dollars per day to the monthly balance over the amount agreed in the contract. Secondly, the person I spoke with stated my card was pending and I was given a confrontation number for my payment not given any indication my payment was declined.   However when I check my bank and call back the previous day they informed me my card was declined yet I have no notification from  Montery  or any pending charge or notification from my bank.  <P/> During the second month using the same card they accepted earlier they refuse to charge the account for the amount due. This makes the accout become delinquent. Then they proceed to charge an amount of {$10.00} per day for a late fee plus another {$10.00} per fee for declining my previously approved payment method. I have contacted them attempting to pay yet they still do n't process my payment and claim it is late. Can you help me?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
national credit systems is attempting to collect an alleged obligation on behalf of XXXX XXXX XXXX. national credit XXXX on XX/XX/XXXX sent demand for payment under a 50 % settlement offer. per my knowledge there is no legal binding contract bearing my signature to contract with national credit systems. 
the original creditor XXXX XXXX as inaccurately reported an alleged delinquent account bearing my personal information. per the law XXXX renewal was paid in full via the negotiable instrument provided to XXXX during the signing of my lease. per the bankruptcy act of XXXX XXXX gave the American people the right to pay for all debts by providing an negotiable instrument as I did when at the signing of said negotiable instrument on between the creditor and debtor in the year of 2019. 
Per the debt collection laws national credit system is in violation of the FDCPA, TILA as the alleged debt as been satisfied. XXXX XXXX and National Credit Systems is in violation of XXXX6 CFR 433.2 along with Title 15 USC 1692 debt collection practices per the FDCPA. national system has committed identity theft as no permission was granted to house my personal information within their database

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19
Company: EQUIFAX, 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:
XX/XX/XXXX : XXXX XXXX XXXX XXXX. This inquiry was not authorized XX/XX/XXXX : XXXX XXXX : This inquiry was not authorized XX/XX/XXXX : XXXX XXXX : Unauthorized inquiry. No car purchased. 
XX/XX/XXXX : XXXX XXXX XXXX : Unauthorized inquiry. 
XX/XX/XXXX : XXXX XXXX XXXX : Unauthorized inquiry. No car purchased. 
XX/XX/XXXX : XXXX XXXX XXXX. Unauthorized inquiry. No car purchased. 
XX/XX/XXXX : XXXX XXXX. Unauthorized inquiry. No car purchased. 
XX/XX/XXXX : XXXX XXXX XXXXXXXX XXXX : Unauthorized inquiry. No car purchased. 
XX/XX/XXXX : XXXX XXXX  XXXX. Unauthorized inquiry. No car purchased.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Contacted equifax in XX/XX/XXXX regarding not able to access My Equifax account. After multiple attempts to talk to a human, I was told to mail proof of identity which I did in XX/XX/XXXX. After hearing nothing for 4 months I filed a complaint with CFPB. Here is the problem : I go to log into my equifax and it tells me to call an 888 number. after 8 minutes of prompts, then the computer states it will verify my identity by asking questions from my equifax report ( which I just received a copy of due to previous complaint ) and the  questions asked have no correlation to me or my equifax report. A recording comes on and states I need to send my proof of identity in to equifax, which I did on XX/XX/XXXX and still haven't been contacted except for the response to prior complaint, which did not address the original complaint. Can my login be reset so I can access my equifax account?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Multiple accounts that are incorrect are reporting on my credit reports 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 2020-04-27
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I reviewed my credit report because i've been a victim of identity theft but accounts are still showing on my credit file.

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 2017-07-13
Company: I.C. System, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received an account summary from IC System on X/XX/2017 stating I owe {$190.00} to the original creditor XXXX. I sent a debt validation letter to IC System on X/X/2017. The letter was sent certified mail and was received on X/XX/2017. I never received validation of said debt. On X/X/2017 IC Systems reported the debt to the credit bureau as a collection account opened X/XX/2017. This is not my account. I disputed the account with another CA and it was removed from my CR X/2017.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02
Company: Firstsource Business Process Services, LLC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XX/X/2016 After repeated calls I asked the manager of XXXX XXXX XXXX to not call my work and gave my personal cell phone number. Reminded them that the fair trade commission established the fair debt collection practices act and under this act it states that after I have given them a oral warning not to call my work its consider harassment and if they continue to call my work I can seek legal pursuit after them.I have now documented and my front office has documented several times they have been calling my work number. They do n't seem to understand and continue to harass me and now I might lose my job because of it.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: National Credit Adjusters, LLC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
NCA claims that they could not find and records of my dispute. I have complete numerous web application via NCA Disputes and Debt Validation webpage. I will attached the latest submission to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I 'm a non account holder at Chase Bank and went to the  XXXX , NJ Chase Bank  location  to make a {$250.00} cash deposit to an account holder that lives in NY and was refused ... I was told I had to deposit a check or money order and when I asked why I can not get a straight answer why other than policy. Since when is CASH not good when making a deposit?? In the deposit account agreement that I pulled up online it does n't say anything in reference to cash deposits from a non account holder ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: EQUIFAX, INC.
State: OR
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:
I have contacted Equifax repeatedly about an old account with XXXX XXXX The account has been deleted and removed from my XXXX   report due to XXXX XXXX inability to resolve the situation or to offer resolution .... Equifax is just as guilty as XXXX XXXX and they seem to be operating on some behind the scenes business partnership level .... I need this XXXX XXXX account removed from my credit report as per my XXXX report. This is causing my credit score to spike and drop every month. It is absurd! They also lost all my data to hackers and I submitted a claim for damages which they appear to be retaliating against!!! This company is the evil corp for the show XXXX XXXX  They will be remembered as an evil company. They should not exist! We do not need 3 credit reporting agencies, especially when this one is purposefully leaking our data on the internet to sell their services ... .. This has to be stopped!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: Blitt and Gaines, P.C.
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This company sent a letter i just recieved today in my p.o. box that was dated XX/XX/XXXX so just hearing about this tried to call to figure out what was going on there asking for my social advised i couldnt do that due to having fraud on my credit bureaus multiple times within the last few years denied giving me simple info when i gave information file number from the sheet. The company on here its claiming i owe them i dont.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
Portfolio Recovery associates is continuing to purposely report false and inaccurate information on my credit reports to willfully harm my credit. I have disputed with the company as well as the credit bureaus and they are still refusing to fix the fraudulent information. They are not addressing the issue and insisting that they are reporting correctly. They are not a factoring company they are a debt collector and they are reporting open factoring accounts on my credit to damage my credit and use unfair tactics to park the debt in an effort to obtain payment. The debt they allegedly purchased is not in fact factorable debt as they are a debt collector. Under the definition of a factoring company, factored debt must be current when purchased but according to them, these accounts were sent to collections. They are violating FDCP section 623 of the fair credit reporting act. I have enclosed proof of their false reporting and am requesting that these violations of incorrect information be removed immidiately or I will be forced to file suit for multiple violations. This is my second complaint that I have filed as the issues I addressed in my first complaint were blown off by the company and they only responded that they verified the information and that it's correct. They are now knowingly reporting incorrect information which is a clear violation. They even went as far as to add one of the incorrect accounts to my third credit report after receiving the information that it was incorrect and falsely reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Despite several attempts, my request for the QualifiedWrittenRequest with SLS has been ignored. Under Section 6 of the Real Estate Settlement Procedures Act ( RESPA ) to obtain copies of ALL documents pertaining to the origination of theLoan # XXXX on the current mortgage on my property has been ignored. 
As of this date, SLS has been ignoring our request and aggressively pursuing an illegal foreclosure. Ignoring my request under Section 6 of RESPA is considered to be unlawful.

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 2019-10-16
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX I received a notice of default on my mortgage from Ditech Financial. I called and was told that my escrow account was short of funds in XX/XX/XXXXand so my payment was increased as of XX/XX/XXXX by {$300.00} per month to catch up the escrow account. I told them that I did not receive this notice nor have I been receiving monthly statements. They checked their information and found that they had been sending the notices to the wrong address. I immediately started paying the new higher amount. The next month I received my first statement showing that they had misappropriated some funds and I was now exactly one month behind in my mortgage. When I called they said that because I paid on the XXXX for the next month, the funds went into suspense and were not applied to my payment. The next month - XX/XX/XXXX I received a notice of default. I called again to be told the same thing and that their automated system was messing up where the payments were being applied. Again, their fault and they would rectify it on their end. Somehow with this call they also changed me over to electronic statements and I did not receive a statement for XXXX. In XXXX, I got the default notice again. My husband spent 4 hours on the phone with them and got them to accelerate our issue to the next level of management. The date of that call was XX/XX/XXXX. Someone named XXXX at ext. XXXX. She waded through the whole mess and again told me that since I send my payments early, the system is not applying my money to the correct area. She took all of my information and said that if I paid {$98.00}, we could be back to up to date. They would take some of the funds in suspense and apply it to the payment, and would " borrow '' some of the escrow funds to pay back the approx. {$1200.00} of escrow fees late from XXXX - XXXX. She was going to call me back the next Monday, one week later, to verify that she had it all worked out. I did not submit the {$98.00} since the automated payment would likely get applied incorrectly. I was going to do that when she called me back. She never has. I have left 5 messages personally on her voicemail, my husband has left 3. My Mortgage statement shows us now a little more than one month behind and I have paid EVERY payment early. Is there any help I can get for this at all?? 

Thank you

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: McCalla Raymer Leibert Pierce, LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Despite several attempts, my request for the QualifiedWrittenRequest with XXXX and Affinia XXXX XXXX XXXX has been ignored. Under Section 6 of the Real Estate Settlement Procedures Act ( RESPA ) to obtain copies of ALL documents pertaining to the origination of theLoan # XXXX TS # XXXX on the current mortgage on my property has been ignored.As of this date, XXXX and Affinia Default Services have been ignoring our request and aggressively pursuing an illegal foreclosure. Ignoring my request under Section 6 of RESPA is considered to be unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
I recently received a copy of my Equifax credit report .the credit report showed a credit inquiry by XXXX XXXX that i do not recall authorizing .I understand that XXXX XXXX should n't be allowed to put an inquiry on my file unless i have authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: EQUIFAX, INC.
State: IN
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:
LET ME KNOW AS TO THE REASON WHY THE XXXX XXXX ACCOUNT IS STILL APPEARING NEGATIVELY ON MY CREDIT REPORT. IT STATES THERE'S NO BALANCE AND IS FROM XX/XX/2014 WITH LATE PAYMENTS OF 90 DAYS. NO ACTION HAS TAKING PLACE IN REGARDS TO ALL THE ATTEMPTS I HAVE PURSUED TO REMOVE THIS NEGATIVE ACCOUNT MY MY CREDIT REPORTS. IT IS REALLY AFFECTING THE OVER-ALL HEALTH OF MY CREDIT SCORES.

Company response to consumer: Closed with explanation