BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-01
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Thank you for taking this dispute and providing a service to the community. 

I am complaining about Professional Bureau of Collections of Maryland. 

The bottom line is that I disputed the validity of a collection they are placing on my credit report on XX/XX/XXXX. It is for a XXXX  XXXX account. I know I don't owe them money so I asked for an itemization and other proof of debt. What I received was " validation of debt '' paperwork for a XXXX XXXX. I have no kin by the name of XXXX XXXX. This bill is not for me and Professional Bureau of Collections of Maryland as well as XXXX XXXX have failed to prove I have an obligation or a debt owed. 

My husband called the collection agency today and first was hung up on. He then called again and spoke to a manager named XXXX XXXX. The conversation took 30 minutes so I will emphasize the main points and the reason for my complaint. 

XXXX states the dispute was received XX/XX/XXXX. That is 55 days ago. 

Itemization or validity of debt was not provided in 30 days yet collection activities have continued. Furthermore, this account is still on my credit report even though the collector admitted the paperwork is for another individual. 

XXXX wanted more time to get paperwork on this account even though 55 days have passed since they received notification that this debt was disputed and proof of debt was required. 

After a heated conversation, XXXX stated she would e-mail her general manager to remove this from my credit report but refused to send me a letter or an e-mail or pretty much anything to prove she was taking that action. Because the proper steps to ensure validity of this debt have not been taken, and the heavy resistance to get her to comply with the F.D.C.P.A. was portrayed by her, I can no longer take her or her company 's word that the proper steps for the removal of this account will be taken either. Hence why I am filing this complaint. 

One thing I would like to point out. I do not owe this debt, but even if I did, because XXXX XXXX as well as Professional Bureau of Collections of Maryland didn't bill me properly or provide me with correct paperwork when required by law, and definitely not in a timely fashion, how can they claim that I even owe this money or that I was billed for this properly when I was an active client of XXXX  XXXX or that the proper collection procedures were taken for this purported account? At this point even if it was a legitimate account, their gross mishandling of this account would make it so XXXX XXXX as well as their collection agency is attempting to collect this with unclean hands. I demand this be removed from my credit report immediately and that this account be cancelled back to XXXX XXXX as not collectible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24
Company: Home Loan Center, Inc.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
This company contacted me about a loan said they worked for XXXX XXXX I gave him my information and was told the money would be in my account his name is XXXX XXXX and his number is XXXX I changed my password and notified my bank but they may have gotten other people

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been submitting disputes to XXXX  since XXXX for items not belonging to me. on XX/XX/XXXX i was able to remove a collection from PORTFOLIO RECOVERY ASSOCIATES with the original creditor XXXX   XXXX. On XX/XX/XXXX the same collection was placed on my credit report from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have a debt through this company in the amount of {$770.00} from XXXX XXXX   from 2014. I dont recall ever going to a physician called XXXX and if I did, I had insurance that covered everything. This debt has not been validated even with multiples letters being sent to the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: SLM CORPORATION
State: CO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I missed a phone call from Sallie Mae. Instead of them calling my co-signer they called two family members whose phone number I never provided. My account manager admitted she went through a third party find people connected to me to contact. She told the family members she was calling from Sallie Mae. I never expressed any permission for Sallie Mae to these phone numbers

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: HUNTINGTON NATIONAL BANK, THE
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
THIS IS NOT A DUPLICATE COMPLAINT. 

This company has failed to post all my payments from XXXX to date and have reported my account as delinquent as of XX/XX/2021. 

While this is an ongoing violation of Regulation Z that they refuse to respond to, THIS complaint is concerning my CURRENT LOAN STATUS as of XX/XX/2021 ( see attached ) I have paid months in advance, and they are not processing the payments in accordance with Regulation Z. 

I have followed up and sent multiple emails but XXXX XXXX has refused to respond ( see attached ) As such, I am filing another complaint as my mortgage and credit is at risk for their violation of Reg Z and failure to process payments as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: EQUIFAX, INC.
State: MS
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

XXXX XXXX XXXX   XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 contacted XXXX to complain about excessive and illegitimate credit inquiries that were clearly not authorized on my credit report, I had spoken to a representative by the name of XXXX whom refused to transfer me to a supervisor and refuse to address to the unauthorized and frivolous inquiries by credit agencies for instance within one single month XXXX XXXX XXXX checked my credit four different times in one month. Other inquiries from XXXX XXXX are repetitive and unauthorized XXXX, TRansUnion and XXXX refuse to investigate this abusive process claiming they must remain for two years.

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 2019-10-02
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
1 ) Student loan is not mine, per se. it's a loan i co-signed for.

2 ) She fell behind and called to have the debt deferred. It was deferred.

3 ) They emailed me, and told me she was behind. She told me it was deferred so there should be no issue.

4 ) They would not give me any information when I asked for details on the loan. Said they could not through email ; I insisted that they do it through email a ) for proof b ) they already gave me the account number, why not the amount?

5 ) They were harassing. Called 3 times within 5 minutes.

6 ) Once I threatened going to a lawyer and filing a claim, miraculously they were able to send me secured email with the information.

7 ) I paid on the loan that I co-signed as soon as i had the information - they could've received their money a lot sooner if they just gave me the information. NOT MY FAULT!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: WELLS FARGO & COMPANY
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:
WF PLL has done a hard inquiry on my credit file. I don't know who these people are and I have not signed nor accepted for them to do an inquiry on my credit file ( s )

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 2019-05-22
Company: Experian Information Solutions Inc.
State: MS
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

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 2017-12-02
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ON XX/XX/XXXX, A COLLECTION WAS PLACED ON MY ACCOUNT WITH XXXX FROM CONVERGENT INC, FROM A XXXX BILL THAT DOESNT BELONG TO ME I CONTACTED CONVERGENT INC, AND THEY AGREED TO HAVE THIS ACCOUNT CLOSED AND REMOVED FROM ANY AGENCIES, I CALLED XXXX TO LET ME KNOW THAT THIS ACCOUNT NEED TO BE REMOVED, FROM MY REPORT, ITS LISTED UNDER MY MIDDLE NAME 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 2017-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Inquiries that were removed was placed back on

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 2018-03-17
Company: Choice Recovery, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I pulled my credit reports from all 3 credit bureaus in XXXX and have 2 collection accounts from Choice Recovery Inc on all of my reports. I sent them a debt validation letter on XX/XX/2018 via certified mail to request original methods to verify and validate that this account is mine. I disputed the accounts with all 3 credit bureaus. One credit bureau removed one account, but Choice Recovery has failed to mail me any documentation to validate that this is a debt for me or what has been provided to the credit bureaus to verify that this debt is for 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 2017-11-17
Company: WELLS FARGO & COMPANY
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:
wells fargo XXXX XXXX cra violation not mine id theft victim sent po report 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 2018-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CRA violation no knowledge inaccurate accounts appeared on my Transunion credit report. FTC ID Theft Report # 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 2020-09-20
Company: SUNRISE CREDIT SERVICES, INC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Account : SUNRISE CREDIT SERVICES # XXXX I'm was unaware of this account and did not have the opportunity to dispute, please remove from my credit profile as you are in violation of the Fair Credit Act. In addition, please provide the following : Assignment of debt Method of Verification Validation of Debt Original instrument of indebtedness

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 2019-05-08
Company: CITIBANK, N.A.
State: VA
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:
Fraudulent Payment on credit card - # ending in x XXXX, XXXX and XXXX Between the dates of, XX/XX/XXXX to XX/XX/2019, Citi Credit Cards ( the bank, hereafter, Citi ) received, posted and reflected the following sums : {$4500.00}, {$1200.00}, {$2600.00}, and {$450.00} x3 between and/or on all three of my ( hereafter, customer ) above referenced citicards. Amounts need to be verified as customer has no access to this information since the cards and online banking access was closed. 

Citi made the fraudulently deposited funds available to customer for use and failed to advise the customer the money had not fully processed and cleared. During the same aforementioned period, customer made purchases/transactions at XXXX XXXX, Best Buys, XXXX XXXX and XXXX, all business located in XXXX, Virginia using the funds. Citi later posted the funds as returned and unpaid. The Customer reached out to Citi reporting fraudulent payments on the accounts and lodged a complaint to Citi for negligence and failure to advise, that funds had not fully cleared when Citi made the funds available for customers use. 

Customer requested Citi to credit the accounts of lost dollars and all fees/charges related. For details, please review accounts and subsequent phone calls to Citi regarding the matter. Two credit cards were closed down. Over the last two months, customer has had multiple phone conversations with Citi associates and an investigation of the matter ensued. Long behold, on Monday, XX/XX/2019, on a phone call, Citi associate, submitted to customer, that Citi will not refund/credit the lost reported amounts and any fees and charges related to the reported fraudulent activity on the customers accounts. Please review all notes and phone conversation with multiple Citi associate over the last 2 months with customer. 
Further to this, on the XX/XX/2019 the last associate ( under billing dispute ) castigated customer that even if customer sued, Citi would not credit account.

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 2018-03-17
Company: SYNCHRONY FINANCIAL
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: Personal information incorrect

Complaint:
On XX/XX/XXXX I applied for a TJX Rewards Card. The application was denied by XXXX XXXX, Creditor. I received the written explanation on XX/XX/XXXX which stated that the decision was based on XXXX reporting " applicant is deceased ''. I complained to you about this XXXX and XXXX  responded that they did not deny me credit and they have no record of my being deceased. I then obtained my full credit report from XXXX   which in fact, shows no credit denial, no deceased and no problem. I have called and written Synchrony with no results. I request your help in having these " errors '' corrected. Their wrongful credit denial caused me a great deal of public embarasment, a 10 % cash discount and future benefits associated with the reward card. There should be a penalty for their sloppiness, and poor attitude. They make no effort to correct the lies.

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 2017-12-02
Company: CREDIT ACCEPTANCE CORPORATION
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: Account status incorrect

Complaint:
I filed bankruptcy back in XX/XX/XXXX, it was discharged in XX/XX/XXXX. On my bankruptcy I included a lender by the name of Credit Acceptance. I financed a XXXX that I willingly gave back after I filed bankruptcy and which has been auctioned off. Mind you, I never have been late in my car payment, and once I file, the company is not allowed to report to the credit agencies during bankruptcy. Credit Acceptance has continued reporting negatively as if I havent made a car payment in over a year. My account is also listed as open. I filed 2 complaints with the company, it was supposed to be off my credit report by the XXXX of XXXX. Credit Acceptance refuses to give me anything in writing due to me filing bankruptcy over a year ago and still is not removing the false information and its causing me to be denied for things. Im reaching out as a last chance to have them remove this before I begin the process of suing the company.

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 2018-05-24
Company: Account Resolution Corporation
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Violated HIPAA my PHI was given to a third party collection company that I did not authorize to have. I was sent a notice with my ssn, phone number. There are some services listed on the document with a location and the dates of services on it. This is a direct violation and is reporting on my credit from this third party and I will be filing a suit for this and it needs to be removed from all credit bureaus immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
Company: SYNCHRONY FINANCIAL
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Snycb national credit cards/airlines appeared on my credit score and I have no idea who they are or what I could possibly owe?

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 2019-03-12
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I applied for credit and submitted a request to Experian to temporarily remove the credit freeze on my credit report. I was given confirmation that the lift was in place from XX/XX/2019 thru XX/XX/2019. I later received word from the lender that they were unable to verify my credit. I made a second attempt to lift the freeze from XX/XX/2019 thru XX/XX/2019 and was given a confirmation #. Once again the lender was unable to access my report. I made several attempts to contact Experian by phone and online but their menus do not offer any way to question why the freeze was not lifted and I found it impossible to reach any person to even ask questions of let alone resolve problems. As a result my credit application is still held up until I can get a resolution to this problem.

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