BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-28
Company: Wallace Management Company, LLC
State: OK
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
This is an old debt that was closed on my credit report. An ex employee I worked with started working at this loan place and they got the information from her and contacted me at work. I was embarssed she humiliated. I cant have personal calls. They threaten to garnish my check and asked to be transferred to human resources

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I need Portfolio Recovery Associates, LLC # XXXX to Cease and desist ALL Collections and contact with me concerning the debt in their office that was due to fraud I have already file a police report with XXXX Police Dept. See Attached. This is the second time that I have sent a compliant on this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-23
Company: Experian Information Solutions Inc.
State: MD
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:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquires which qualified for deletion from my report.

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 2017-11-28
Company: I.C. System, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This stems from an alleged amount still owed to XXXX XXXX XXXX, that went into collections. XXXX XXXX XXXX had been contacted numerous times with regards to this problem of a balance that is NOT owed. XXXX XXXX XXXX repeatedly transferred me from one department to another. One would tell me it was paid, and another would tell me they had no record of it but that it must owed because it went collections. XXXX XXXX XXXX would provide not me with documentation justifying the amount allegedly owed. For the last 4+ years I have been trying to get this resolved to no avail. when I changed telephone service providers XXXX XXXX XXXX would not release the phone numbers unless the balance was paid, so needless to say any outstanding balance was paid.

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 2021-09-12
Company: The Law Firm of Krisor & Associates
State: IN
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I have spoken to the Kisor Associates several times about payments. They stated that they have been receiving payments however I just was notified by a friend from a previous address I used but did not reside at they were taking me to court. The first notification was sent to my permanent address in XXXX. Now in XXXX they used an address I have never resided at, luckily my friend still resides there to inform me. The company wants to know my personal information which I believe is not necessary due to me paying them bi weekly,

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 2021-05-25
Company: LAKEVIEW LOAN SERVICING, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, I applied for a mortgage modification due to COVID-19 and was approved on the second attempt. The process has been long, but recently came to an end. I was fortunate enough to qualify and my mortgage has been modified. I noticed that the company charged interest owed to my principal balance. I would like a breakdown of the how the interest was accrued. I just see a charge of {$4100.00}. I made payments during the trial process and my most recent payment was held in a suspense status until I filed a complaint. I do not believe the interest was calculated properly resulting in a higher charge. I would like this to be investigated. I paid the trial and should get some credit for doing this. It seems very unfair and wish this was disclosed during the process. 

Thank you, 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 2021-01-31
Company: JPMORGAN CHASE & CO.
State: PA
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: Card was charged for something you did not purchase with the card

Complaint:
I have been communicating with Chase Card since XXXX about fraudulant charges from various companies. There are roughly 50 charges in question. On 2 occasions Chase closed and reissued new cards and charges were again processed on the new cards when the cards were not even activated yet. I have spoke with a dozen + agents and still no logical resolution. I cherish my good credit history but now again at a brick wall. I have been paying amounts I know are not correct and now have charges, again not made by us.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have disputed the same charges with multiple companies!

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 2021-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
TransUnion and XXXX are reporting a 30 day late payment on my XXXX XXXX  account. This account was never late. This is inaccurate reporting has caused my credit score to drop. Please update account status to current and remove 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 2020-05-05
Company: Ocwen Financial Corporation
State: NC
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:
To whom it may concern, We are with this mortgage company called PHH. We have never been late In all of years with them and even ever before that. Back in XX/XX/2019, they had a computer error that automatically drafted our account {$74000.00} instead of our {$1200.00} regular monthly mortgage. They took ownership and it took about the whole month to straighten it out with their posting and our bank. We made the payment XX/XX/2019. 
We never missed a payment and now we are relocating and having to pre qualify for a new home. We cant cause PHH posted that we paid the month of XX/XX/2019 wrong. They posted we didnt make a payment and a double payment in XX/XX/2019. All 3 credit bureaus show it and we cant qualify. 
This whole thing was due to their error. I have been on the phone countless hours last week and today. They say they didnt report wrong and wont fix it. The credit bureaus say that is the information that they received. We dont have a lot of time with the virus and our home being for sale. This is a big burden on our family. PHH should not be allowed to make an error like that and not be beholding to fix it. They have countless lies on lies to us stating they will fix it all to not doing what they say. Again, what else are they covering and PHH should not be able to XXXX our account up on their error and mess up our credit at the bureaus. How professional is that? Please help. We have pleaded with the time and they say it will take 30 days and give us all these excuses and different stories. Its very unprofessional. I feel we have been terrible represented by a lender. 

XXXX and XXXX XXXX XXXX Sent from my XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I typically make my monthly payment via my online account using my routing number and my member number. 

I made a payment in XXXX using the IVR phone system as my laptop was not working and was being repaired therefore I was not able to make my payment online. When making the payment I used the same routing number and member number to make the payment as I did when paying online. 

The payment was returned stating account not found therefore causing a 30 day late pay to be reported to my credit causing my score to drop by 70 points. I was notified of the late pay not by Target but by an alert received from the credit reporting agency as Target did not contact me to inform me of the missed payment. When I contacted Target they state the collection department made several calls ; however I have searched my phone records and voicemails and have no calls or voicemails.

When speaking with Target to figure out why the payment did not clear using the information that I have always used to make a payment they stated that an IVR is ran as an ACH. My issue is that Target is assuming that their customers should know that when paying online its acceptable to use their banking member number and that when paying via their phone system that the bank MAY return the payment if using their member number versus the full XXXX  digit account number. If there is a possibility of a payment being returned which could cause a customers credit to be affected then their should be CLEAR communication on both their website and their IVR system stating that the XXXX digit checking number must be used. 

Additional concerns are those of Targets Customer Service agents. I was hung up on multiple times, told multiple different things by different agents and overall given a horrible customer experience as their agents are not polite.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I contacted Equifax on XX/XX/XXXX, and asked them to investigate errors on my credit report. They are supposed to respond within 30 days, but they haven't.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-23
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
XX/XX/18- Recieved in the mail HSBC Mastercard credit cards for my wife and myself that we never applied for nor want. I spent 25 minutes on the phone getting these cards canceled and want to be sure that they are never activated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: Experian Information Solutions Inc.
State: HI
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 had a secured credit card with XXXX XXXX XXXX XXXX that we past due 2 months. I caught up the payments and paid off the balance. On my Experian and XXXX report is show collection/chargeoff account. The account was past due 2 months but was paid off in full.

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 2020-05-05
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: Public record information inaccurate

Complaint:
Experian is reporting a bankruptcy on my credit report. I sent them a letter around XX/XX/XXXX disputing this matter. I sent a copy of a letter I received from bankruptcy court stating they do not report to credit reporting agencies. Experian sent me a copy of an updated credit report on XX/XX/XXXX stating that the information was accurate from a third party vendor XXXX XXXX. I have a " security freeze '' on my file. I sent a letter to XXXX XXXX around XX/XX/XXXX asking them to verify the accuracy of the bankruptcy and they were unable to verify the accuracy of the bankruptcy. XXXX XXXX responded XX/XX/XXXX they had to delete the bankruptcy according to the FCRA. I tried getting this bankruptcy removed back in XX/XX/XXXX and refused to remove it back then. I want this removed from my credit report.

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 2019-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquires which qualified for deletion from my report.

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 2018-05-01
Company: Experian Information Solutions Inc.
State: TX
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:
On XX/XX/XXXX, i sent a certified letter to Experian stating disputes to be verified acording to the FCRA on my credit report. I got a response back from them on XX/XX/XXXX. Stating that my accounts where updated. On XX/XX/XXXX, i sent Experian another letter asking the method of verification and check if they had a copy of the original contract ; only to be told they will not re investigate.

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 2020-05-05
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

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, DPT EDXXXX, US DEPT ED.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17
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: Account status incorrect

Complaint:
Debt is being disputed since original creditor ( XXXX ) didn't comply to accept payment on my 12th payment, to pay off ( cash price ) amount as requested and described on agreement. Office didn't accept payment for {$590.00}, amount owned on my 12th payment as listed on attached agreement. Also I'm attaching alert email received from company that all our information was breached and probably debt is subject to alteration or even not authorized to be collected. Attached letter to validate debt and removal if not response is receive by due date. XXXX  is using XXXX XXXX XXXX to collect money I don't owe, XXXX XXXX XXXX used XXXX XXXX XXXX services to collect debt as well. I don't owe any debt to any company and/or Collection agency and false information was reported to Experian. Written notification was sent to XXXX XXXX XXXX XXXX to validate debt and they didn't validate it, resulting on returning debt to first collector. Collector reported false information to my Experian credit history and legal actions will be taken. I have prove of what I said above about XXXX  NOT accepting my last payment and threatened emails about selling my debt, hurting my credit and penalties they shouldn't added to original debt. Please note, debt is being disputed and for more information I'm attaching needed documentation. XXXX XXXX XXXX haven't had any kind of communication with me, please respond or lawsuit will start right away.

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 2021-05-01
Company: WELLS FARGO & COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Wells Fargo violted CARES Act by reporting late payment despite me setting up a payment plan while current. I contacted Wells Fargo to discuss payment options as I was needing Covid assistance. Wells Fargo customer service set me up on a payment plan. The account. Was current at the start of the payment plan. According to the CARES Act, if a consumer notifes the lender while still current and makes arrangements, subsequent payments can't be marked as late. This is strictly required as part of the CARES Act. Additionally, not pandemic or natural disaster notation was reported. This failure to follow CARES Act procedures, or add a natural disaster note has caused me irreversible damage to my credit report by causing me to be denied for additional credit. Washington COVID-19 PANDEMIC ( XXXX ) Incident Period : XX/XX/2020and continuing. Major Disaster Declaration declared onXX/XX/. Washington COVID-19 ( XXXX ) Incident Period : XX/XX/XXXX, XXXXand continuing. Emergency Declaration declared onXX/XX/2020.

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 2019-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 belongs to someone else

Complaint:
I am a victim of identity theft, and have filed a complaint with the Federal Trade Commission. I am disputing a collection item placed on my credit report XX/XX/2019, with a company known as XXXX/XXXX. This item was removed from my credit report back in XX/XX/2019, and has been placed back on my credit report to XXXX, XXXX  & Trans Union. 
I have never had any business dealings with a collection agency known as XXXX XXXX, nor have I signed any documents or agreements with this 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