BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-30
Company: Credit Card Receivables Fund Incorporated
State: CA
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:
A judgement was placed again me in California while I was living in Arizona. I was a victim of identity theft, and I had my purse taking. I have try to communicate with the company overseeing the account in collection. Today XXXX XXXX refused to send me a copy of the original debt claiming the company XXXX XXXX XXXX XXXX mailed it in the past. Not true I have never receive a copy of the originally debt in all my years of requesting it. I never had a contract with Unifund CCR Partbers A XXXX XXXX XXXX prior to finding out about this judgement. The company they represent has sent me a refund check. I only receive the copy of a California judgement. It very unfair and unconstitutional not to see the changes against me. By refusing my request and still insisting I pay while calculating accruing interest I am being treat unfair and unreasonable. When I make a complaint they go away for a while and a year or so come back. These debt collects should show the real debt is accurate and if its real and true. These lawyers learn how to take advantage or the consumer because they are financial bullies to the average low income consumers ....

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: EQUIFAX, 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've tried to correct this matter with reporting agency and have been denied of my rights numerous times. After initial communication on XX/XX/2021 of inaccurately information on my credit report. Company failed to even investigate. Stated Company reporting the information has made known over recorded lines that they did not receive permissible purpose or consent or nor did they investigate before hand of reporting information to my consumer report. I've recorded lines I have made it known to the reporting agency of the facts herein. Reporting agency refuses to remove these accounts from my report causing me stress and ultimately the right to extend credit as this is impacting and hurting my credit file during verification from lender 's. I have record of duration of calls and screen shots of account reporting to my credit file inaccurately without permissible purpose or consent. Holding company at fault for civil liability. I spoke with supervisor by the name of XXXX ( i.d # XXXX ) and also advised him of the injury stated company was causing me and the possible violations due to injuries. FTC HAS BEEN FILED

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Capital One XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX RE : Account number ending in XXXX To Whom it XXXX concern, I never received billing statements via email ( preferred method for billing statements since XXXX ) for the following statements which resulted in erroneous a XXXX and XXXX day late reported by Capital One to all three credit bureaus. Also, the billing amounts increased due to past due amounts charged by Capital One. 

Billing cycle XX/XX/XXXX- XX/XX/XXXX for {$170.00}. 
Billing cycle XX/XX/XXXX- XX/XX/XXXX for {$230.00}. 
Billing cycle XX/XX/XXXX- XX/XX/XXXX for {$280.00}. 
Billing cycle XX/XX/XXXX - XX/XX/XXXX for {$410.00}. 
Billing cycle XX/XX/XXXX- XX/XX/XXXX for {$240.00}. 
Billing cycle XX/XX/XXXX- XX/XX/XXXX for {$370.00}. 

A XXXX late was erroneously reported to the credit bureaus for XX/XX/XXXX. And, a XXXX late was erroneously reported to the credit bureaus for XX/XX/XXXX. 

I am requesting Capital One provide me the dates and proof in which the above noted statements were sent to me electronically, and dates of past due notifications sent to me by Capital One. 

I have submitted a complaint to the CFPB. 




Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: WESTERN UNION COMPANY, THE
State: AR
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Western union needs to loacte 3 speed pay items from 2014 XXXX XXXX  dated XXXX gor {$770.00} and XX/XX/2014 for {$770.00} and XX/XX/2014 for XXXX i need the ( MTCN ) I AM TRYING TO FILE CLAIM

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
This has been going on since XX/XX/XXXX, My mortgage account with XXXX XXXX XXXX   is showing as closed on my Experian credit report, with numerous disputes and even a phone verification in XX/XX/XXXX, Experian continues to report my account as closed, I am unable to get a home equity line of credit or loan because my mortgage is not reflecting on my report, this is causing me stress and harm because am unable to get my financial needs met related to this situation, I will be seeking legal action, it is my right to have my credit report reflecting accurately. 
XXXX is stating that there is nothing they can do and Experian is stating that there is nothing they can do so I am left in the middle holding the bag with nothing in it!! Completely frustrated and disappointed.

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 2020-05-26
Company: Experian Information Solutions Inc.
State: AL
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:
The problem was fixed on XX/XX/2020 on XX/XX/2020 they reverted the problem back now its showing late again. The creditor reported it was never late

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-02
Company: TD BANK US HOLDING COMPANY
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: Account status incorrect

Complaint:
XXXX XXXX XXXX is reporting false claims of late payments to my credit and the car has been deemed a total loss since XX/XX/2018. They have provided false information to XXXX XXXX slowing the claim process. I also had to contact the company multiple times to retrieve documents for XXXX XXXX and gap insurance. One representative told me that my account was being put on hold to prevent anymore negative reports and they still have reported these false claims.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-02
Company: JPMORGAN CHASE & CO.
State: MD
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX I lost my job and went through a loan modification with JP Chase. During that period my payments were lowered to make affordable. From XX/XX/XXXX = XX/XX/XXXX, I only worked XXXX position until I became permanent at XXXX XXXX in XX/XX/XXXX. At that time, I contacted Chase to see what I needed to do to get back on track. I was put on another modification, b which started in XX/XX/XXXX, whereas I paid an addition {$340.00} on top of my {$860.00} mortgage payment totaling {$1200.00}. 

Since becoming gainfully employed, I have made every payment on time. About 4 weeks ago, I tried to refinance with another company in order to get cash back for home improvements. At that time, I discovered I had a {$43000.00} ) subordinate mortgage. 

Over the past week, XXXX XXXX XXXX and myself I have attempting to get clarity from Chase and have gotten nowhere. I have been placed on hold, transferred several times, hung up on, been back and forth with different representatives for over one hour and still they can not explain to me what they did. In fact, they have asked me what they did, my reply, is, Im not quite sure, you did the transaction, so Im hoping you can explain it to me. 
Below is a table of balances : Principal Unpaid Principal XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX As you can see, something is not adding up. 

Any assistance would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I checked my credit report and noticed that ICS System was reporting on my credit report. I never received a notice about the debt or given the opportunity to dispute. When I contacted the company one representative could not locate a letter that should've been sent to me. They drafted a letter to send to me after i called. I sent a certified letter on XX/XX/XXXX to them requesting more information and I never received a response. from them. They placed the items on my credit report initially without notifying me in advance and giving me the opportunity to 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 2020-09-01
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
IN ORDER TO CLOSE ON MY NEW VA LOAN I NEED MY PAYOFF FROM CURRENT LENDER. I HAVE TRIED FOR SEVERAL WKS TO OBTAIN MY PAYOFF. HOWEVER, THE LENDER CONTINUES TO SAY I WILL RECEIVE TOMORROW BUT TOMORROW NEVER COMES. WE NEED THE PAYOFF OR THE % RATE LOCK WILL EXPIRE.

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 2020-10-30
Company: Experian Information Solutions Inc.
State: GA
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:
The other credit bureau deleted my late payment of my student moan but experian have not and I've been trying to reach out but no answer or response. Everytime I dispute the item they update it and I think times unfair to me that bothe XXXX  and XXXX  have deleted the late payment.

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 2021-01-26
Company: Financial Recovery Services, Inc.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
i settled a debt owed to XXXX XXXX. they apparently sold the account to 2 different collection agencies. i contacted everyone involved but nothing has changed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX had engaged in a lawsuit against FRAUDULANT COMPANY XXXX XXXX in XX/XX/XXXX- ( claiming their banks practices were hurting their sales ). Portfolio recovery associate LLC ( XXXX ) Rewarded vs. XXXX XXXX, Portfolio Recovery Associate, claiming owner of the crediting care the changed converting credit card into a Fraudulent obsolete XXXX expired credit into a New credit with activity in XXXX claiming owner created a credit card called a ( XXXX XX/XX/XXXX ). Synchronys partnership with XXXX XXXX XXXX as third partys Master Credit card debt complaints. Predatory XXXX XXXX, and XXXX XXXX claiming owning Portfolio Recovery Associate LLC Debt collector XX/XX/XXXX Order Judgement receive in the amount to pay {$8300.00} and court costs in the amount of {$410.00}, for all the above let execution issue claim to represent XXXX XXXX XXXX as third partys XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX Claim distressed Repeatedly sent Misleading debt collection letters. Extra fees and charges and card expired statute of limitations has expired. Refusing to stop calling when ask them to be on Do Not Call List. Judgement for the letter claims, overcharging XXXX Credit Management. Policy, which is different from the privacy policy of XXXX. Violate the law by making fraud and double payments. XXXX XXXX. 

The XXXX XXXX Weighted Goods Class Action Lawsuit. XXXX XXXX is not XXXX XXXX divorce from the credit card issuer XXXX XXXX, breaching their agreement for credit cards issued to XXXX shoppers, contractually defined process for valuing the loan portfolio that XXXX has serviced, failed in the most basic elements of our agreement, including its promotion of the card program both in stores and online. XX/XX/XXXX. XXXX Lost XXXX Card Deal in Battle With XXXX ... 

XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX XXXX  XXXX XXXX XXXXXXXX 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 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 2020-10-30
Company: Experian Information Solutions 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:
Dear Experian/XXXX/ XXXX  Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

See Attachment accounts : I appreciate your prompt attention to this matter, and await your reply.

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 2020-10-30
Company: SYNCHRONY FINANCIAL
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am writing to you about the succeeding Synchrony accounts : 1.SYNCB/XXXX # XXXX, opened date XX/XX/XXXX, limit {$2000.00}. 
2.SYNCB/AMAZON # XXXX, opened date XX/XX/XXXX, limit {$3000.00}. 
3.SYNCB/CARE CREDIT # XXXX, opened date XX/XX/XXXX, limit {$5300.00}. 
4.SYNCB/MENS/WEARHOUSE # XXXX, opened date XX/XX/XXXX, limit {$4000.00}. 
5.SYNCB/XXXX # XXXX, opened date XX/XX/XXXX, limit {$2000.00}. 

I have suffered Damages : emotional stress, denial of lines of credit, high interest rates, etc. due to this situation. I want the items off my report. My demand is based on the following actions committed by the company : Inconsistent information across buraus : Different amount of late payments. This has caused a big negative impact in my credit score, Failing to send the required notice by mail about negative information reported, etc.

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 2017-08-04
Company: PNC Bank N.A.
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In XX/XX/XXXX there was a private school loan through XXXX XXXX XXXX.It was sold to PNC bank. Last year I had discovered PNC bank had reported this on my credit, and my husbands credit.These 4 accounts are in a charged off status/collection. PNC bank hired this debt collector, XXXX XXXX XXXX XXXX- who does not own this debt, but trying to collect for PNC bank. It is even being reported we made payments on all 4 PNC accounts in XX/XX/XXXXand XX/XX/XXXX, which we did not. Additionally, we have bank statements from our credit union reflecting this. XXXX sent my husband and I a statement for 2 accounts on XX/XX/XXXX. Before we could dispute this, they reported over {$33000.00} on our XXXX credit report on behalf of XXXX XXXX XXXX XXXX XXXX, XXXX on XX/XX/XXXX. XXXX XXXX XXXX XXXX are reporting this account however was opened in XX/XX/XXXX. Without letting us  know or giving us the 30 days to dispute this. Again, we were not made aware this was going to be reported on our credit report. We have disputed this through XXXX and have been told that XXXX initiated another dispute XX/XX/XXXX with the recommendation that XXXX has double reported these debts and it should be deleted because the current creditor PNC bank has reported this on my husband and I 's credit report. On XX/XX/XXXX we received another statement for one of the four accounts in another amount of {$8400.00}. We sent a certified letter asking for debt validation. The Florida Attorney General, The Ohio Attorney General, and the Florida office of Financial Regulation has been contacted about this as well and investigating the double reporting, the lack of notice about putting this on our credit report and the falsifying of payments made in XX/XX/XXXX by PNC bank. We are also working closely with our attorney on these matters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have paid all of my escrow payments to my lender ( Lakeview Loan Services ) however, they missed paying my taxes that were due in XX/XX/XXXX and my home insurance due XX/XX/XXXX, I discovered they failed to make these payments even though they had more than enough to make these payments in my impound escrow account in early XX/XX/XXXX when my home insurance company contacted me the if I failed to pay they were going to drop my insurance and a day later when my lender sent me a letter that if I failed to pay the insurance they would purchase higher cost insurance. Mind you they were supposed to pay this payment in XX/XX/XXXX. 

I paid my insurance and contacted my lender early XX/XX/XXXX about both issues and was told they would fix and pay me back. Later XXXX I noticed they still have not paid either the taxes or return my insurance payment I contacted them again and spoke to a supervisor, yet nothing was done. At the end of XXXX I contacted their insurance section which they finally paid my insurance ( not to me, but to my insurance carrier ) on XX/XX/XXXX, and transferred me to to a supervisor to pay my taxes. They told me since I was thinking about refi the loan ( with their company ) that I had to send a request to remove the " Netted Payout '' hold even though I stopped the refi back in XX/XX/XXXX. I complied on that day XXXX XX/XX/XXXX ) however they still did not pay my taxes. Again I contacted them on XX/XX/XXXX and talked to another supervisor who said they would look into it XX/XX/XXXX saying they could not take anything out of escrow, yet they could take funds out of my escrow for the insurance. Does not make sense but that is what they said. 

As of today XX/XX/XXXX they still have not paid my taxes or the fines and late fees. My next tax payment is due in XX/XX/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 2020-12-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
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, 2020, PORTFOLIO RECOVERY add a derogatory marks on my credit reports per XXXX, XXXX XXXXnd XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA PORTFOLIO RECOVERY has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Transunion is reporting negative inquiries on my consumer report illegally without my consent. Inquiry details 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 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 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