BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Im a poverty stricken XXXX XXXX XXXX XXXX senior citizen ( XXXX since 2000 ) subsisting on Social Security and occasional small monetary gifts from family members. Last year while recovering from life threatening XXXX for XXXX XXXX i was awakened by crazy banging at night on my apartment door ; man flashing a badge saying he was police and i must let him in. I was petrified. I said he couldnt come in but if he wanted id open the door and let my ( due to the banging ) snarling crazy man eating boxer out. He fled down the hall leaving papers about some judgment against me in my mailbox ( i got weeks later : i was completely bedridden w family two thousand miles away and the mail boxes a five min walk away ). Since then Portfolio Recovery Associates have petitioned the court and copied me repeatedly threatening to garnish my bank account for some thousand dollars plus for an undocumented debt i dispute ( at least ten years old, i do not know, its unspecified ). 
Every day im terrified ill starve to XXXX  because theyll garnish my tiny bank account. I plan to retaliate by calling the local consumer reporter and do a news story if they do. 
Im a former consumer reporter myself so i know how to facilitate this. 
Help stop my fear and their harrassment over an unknown and ancient alledgedly small debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-10
Company: Early Warning Services, LLC
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been denied the opportunity to open a checking account by numerous financial institutions due to information provided to those institutions by Early Warning Services. Specifically, Early Warning Services is reporting fraudulent activity on previous accounts, despite no such fraudulent activity having occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: PNC Bank N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I sent my mortgage company PNC Bank a check on XX/XX/XXXX for the amount of {$1600.00} via my bank bill pay system. On XX/XX/XXXX I received a letter that my XX/XX/XXXX payment was overdue. I called PNC and they recommended that I pay online and cancel the original check since they have never received it. I declined that option and contacted my back first. 

Upon contacting my bank they told me that the check was sent on the XXXX, endorsed by PNC bank on XX/XX/XXXX and cleared on XX/XX/XXXX. I once again called PNC bank they they told me to fax a copy of the front and back of the check. I did. They then told me that until they find where the money has went, they can not credit my account. I called a few days later and they then told me to email the front and back of the check. On the phone they acknowledged that the endorsement on the check was PNC bank and my funds were sent and received but once again, they stated that until they determine where the money was deposited, they can not credit my account. 

I have attempted to call XXXX times today and have been put on hold and disconnected all XXXX times It is XXXX days since they deposited my check and still no funds have hit my mortgage account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: Security Credit Services, LLC
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 have sent letters to the credit bureaus to investigate these accounts I do not recognize and I have not received any responses from the credit bureaus or the creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: GOLD KEY CREDIT, 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:
TODAYS DATE:XX/XX/XXXX XXXX XXXX XXXX DOB XX/XX/XXXX SOCIAL XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT GOLD KEY CREDIT INC 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 GOLD KEY CREDIT INC I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, 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   XXXX DOBXX/XX/XXXX SOCIAL XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-30
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: Personal information incorrect

Complaint:
I noticed an unrecognized XXXX  credit card in my Experian account. I also noticed that my personal information are all incorrect, which includes birthyear, phone number, and address. I already contacted XXXX and the information on their end is correct. 

I disputed with Experian, but they said the information is accurate and did not remove the credit card. I tried calling, but the customer rep ended my call mid-way. I feel completely helpless, and my credit score is also messed up- it was around XXXX and now with the mixed up it is only about XXXX. 

This is also a serious privacy and information leak issue, because I got all the information from the other person.

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 2021-08-13
Company: SUNRISE CREDIT SERVICES, INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Sunrise Credit illegally obtained information from my deceased family member and fabricated a debt that does not exist and put it through collections. They have left hundreds of phone calls from a robo-caller each day from spoofed numbers calling at all hours of the day for a measly {$130.00} for an account that was closed and paid off.

We have received so many spam emails titled " Personal Business Matters '' and many obnoxious phone calls throughout the day which is harassment. They are the bottom of barrel lunatics using unethical tactics to make money.

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 2017-12-08
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize any of these inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Thank you for all your 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 non-monetary relief
Consumer complaint received 2019-07-03
Company: WELLS FARGO & COMPANY
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XX/XX/XXXX a company called my personal cell from an unknown number stating that Wells Fargo sold them a debt to me from XXXX of overdraft fees that is now over {$3000.00} with legal fees and they have attempted to serve me papers on multiple occasions. 

That I would have to pay with Visa or wire the money. 

They provided me my social security number and my dad 's address where I do not live. 

They said that the fees are over {$3000.00} and said that without them its {$2400.00} and that if I pay in full today I can pay {$1200.00}. 

Then provided me a phone number and reference number : XXXX XXXX XXXX ref XXXX They claim to be from a XXXX XXXX XXXX, but there is no record of them online or for their phone number. 

I called back with my wife and they refused to give any information unless they received a written notice for authorization and they couldn't take 2-party calls on the phone and then he hung up on her. 

I called Wells Fargo and they say they haven't sold debt for years and all the companies they sold it to are now out of business. 

I'm going into Wells Fargo later to verify in person there can absolutely be no merit- I have no notices to any of my parent 's addresses when I did have an account almost 10 years ago, the account is 9 years old, they threatened to sue me, want me to wire the money and hung up. 

BEWARE

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 2021-08-13
Company: LEXISNEXIS
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I received my consumer credit report from XXXX XXXX and XXXX  and there is an unauthorized Chapter XXXX Bankruptcy that is reporting and said to be verified by Lexis Nexis. I sent Lexis Nexis a letter on XX/XX/2021 to remove the item and have yet to receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20
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: Account information incorrect

Complaint:
I have tried on 2 other occasions to get TransUnion to update my balance to the correct amounts, my creditor all have different balances according to my account records as of XX/XX/2018 : 1. XXXX/XXXX  # XXXX - Please correct the balance on my credit report, My balance should be XXXX, NOT {$570.00} -- -- - 2. XXXX/XXXX # XXXX - Please correct the balance on my credit report, My balance should be XXXX, NOT {$470.00} -- -- - 3. XXXX  # XXXX - Please correct the balance on my credit report, my balance should be XXXX, NOT {$160.00}

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 2020-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 XXXX as well as transunion and XXXX  various times in the past 8 months to investigate, verify, and validate this debt ... and they have never sent me a response or even marked this as in dispute they are in clear violation ... covid or not its been multiple attempts and they have not conducted and investigation that they are supposed to do by law ... ..there is so much incorrect reporting on this account that i do not know where to start..first off they are reporting this as an open charged off account it can not be both that is a violation ... 2nd they are reporting a charge off with a balance of {$2700.00} it can not be both ... they are reporting a charge off with a past due ... it cant be both the comments are different in both, the 2 year reporting history is different in both, date of last payment and last active is different in both which makes me think that thhey are changing these dates ... .the 2 year reporting history is different on both and to top it off i never had a cell phone with XXXX XXXX XXXX in my life i have no idea why this is on my report ... my next step is contacting an attorney to fix this and sue them for messing my credit up

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
Company: Convergent Resources, Inc.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Convergent Outsourcing calls me twice per day, every three days from two different phone numbers. They are posing as if in the XXXX, ID area. I live in Washington state. I do not have any debts in collections. All of my obligations are in current, good standing. The company never leaves a message. When I tried to speak to employees today to request my phone number to stop being called, I was put back into the waiting/hold system six times! Some employees told me that they are not allowed to leave phone messages per Federal Law ( an untrue statement ), this is a personal matter and that they can not find my " account '' via phone number. After playing their game of hold, a friendly employee finally got on the line. She looked up my phone number and said she could not find it anywhere in their system. She asked me if I have any other phone numbers, to which I said no. My cell number is my only phone number. She agreed that she would have her supervisor look my phone number and take me off of their calling list. I provided information to this company ; this company never identified the debt. I am making a formal complaint so this company will keep their word and stop calling me.

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 2018-01-26
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: Was not notified of investigation status or results

Complaint:
XX/XX/XXXX Letter from XXXX ( see attached ) stating that disputed Bankruptcy was investigated and removed from my XXXX report. On XX/XX/XXXX I sent a letter ( see attached ) to Transunion disputing the SAME Bankruptcy appearing in my Transunion report. I received letter from Transunion dated XX/XX/XXXX ( see attached ) stating that they verified the bankruptcy, On XX/XX/XXXX I mailed a letter ( see attached ) to Transunion requesting how bankruptcy was verified and demanding address and phone number of entities used to verify the bankruptcy. This letter was sent using USPS tracking XXXX and was delivered to Transunion on XX/XX/XXXX as confirmed by USPS tracking service. As per the FCRA paragraph ( 7 ), A  consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Transunion had until XX/XX/XXXX to respond to my request to provide the sources that verified the bankruptcy and failed to do so. I received a letter from TransUnion dated XX/XX/XXXX ( see attached ) with Response that does NOT include the sources they used to verify the bankruptcy. As of XX/XX/XXXX Transunion has failed to provide me with the sources they used to verify the bankruptcy. I demand that Transunion either A ) remove the bankruptcy from my report immediately or B ) provide me with addresses and phone numbers of all sources used to verify the bankruptcy information being disputed so that I may correct the information with the source they are using.

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 2020-10-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
i have a credit card reporting on my credit. i was old it was a authorized user but its an actual credit card. I was told that this was authorized user its a fraudent account open it must be deleted. now they reported me 30 days late. XXXX deleted but XXXX  always likes to ignore and destroy your life. please delete this from my credit now

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
I opened a dispute with my credit card for a service I paid for but did not receive. I hired a moving company to transport my belongings from XXXX to XXXX. Per the moving company 's contract this was to take place within 30 days. The moving company did not complete the move ; my belongings were instead taken to XXXX XXXX and I was told I would have to pay a fee to get them back. 
I started the dispute process on this charge, totaling {$1300.00}. The date of the charge was XX/XX/XXXX. I opened the dispute on XX/XX/XXXX. I provided evidence supporting the dispute on XX/XX/XXXX. My response was very thorough and included a copy of the contract given to me by the moving company which promised delivery within 30 days as well as receipts for the moving truck I had to rent to retrieve my belongings, the complaint I filed with DOT, etc. On XX/XX/XXXX I received an email from my credit card company notifying me that my claim was denied with a follow up letter in writing stating that my response for information lacked the information requested. I called the dispute department on XX/XX/XXXX to find out why I would receive such a response. I was told that the validity of my claim was not in question, simply that the merchant denied the chargeback and that my credit card company was no longer able to retrieve the disputed amount. So in contrary to what I was initially told, my response did contain the requested information. My claim was not denied because it was invalid but because my credit card company was not successful in retrieving the disputed amount from the merchant. So because they did not want to be responsible for the amount of the dispute, they rebilled me instead.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-09
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 a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Good Morning XXXX XXXX XXXX  Credit Card ... ... how are you doing? Why is my process is taking longer than 60-90 days? I understand were in pandemic, but Ive disputed and sent letters out since the beginning of XXXX, and both the creditor and credit bureaus failed to respond Why? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this 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