BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-12
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:
Over a year ago I went into the process of looking into the details of my credit more closely to prepare to eventually purchase a house. I saw an account for a credit card that was apparently opened up, and maxed out. The total reported from the collection company was {$490.00}. I contacted the company- XXXX XXXX- and they sent me a report of the details of the transactions. I saw that the card was only used strictly for cash advances- and when there were no more funds available- the card went unused and eventually closed. Getting the details of how the card was opened, and where it was sent to- it was disocvered that it was sent to the address I was living at previously with my ex-girlfriend- where she at the time still lived. She had access to all my information and based off the the details it appears that she was the one that opened it and used it for cash advances. Since I had proof I no longer lived at that address- and knew that I did not open that account- I filed a police report on XX/XX/2017. On XX/XX/17 I received information from the XXXX Police Dept that my report was approved and would be investigated. I confirmed with the Financial Crimes Unit today that it is still being investigated. However, even after submitting a police report to XXXX XXXX, and formally disputing it online- it still appears on my credit report and I would like it to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11
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:
I had all my inquires that were removed with the TranUnion Data glitch. Trans Union then told me that I was n't a victim of this glitch when I originally was notified that I was a victim. They then reinserted the originally deleted inquires. I would like these inquiries deleted per Sec 611 which pretty much states that anything deleted and reinserted needs a 5 day reinsertion letter, which I never received. Therefore I am requesting that they remove the following inquires. <P/>1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXXXX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX/XXXX  XX/XX/XXXX 6. XXXX XXXX 7. XXXX XXXX XXXX XX/XX/XXXX 8. XXXX/XXXX XX/XX/XXXX 9. XXXX XXXX XX/XX/XXXX 10.  XXXX XXXX XX/XX/XXXX 11. XXXX XXXX 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 2023-09-30
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Jefferson capital emailed me saying I owed XXXX XXXX. I called and asked them to provide details for this claim. What service was provided, when and do they have original invoice. They did not have this information and said theyd file a dispute. I have now received a letter from Jefferson Capital telling me theyre unable to resolve the request and asking ME to provide my SSN, account number, description of error etc. 

I dont have any such information as I dont recognize the debt. I just feel harassed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27
Company: Colony Brands, Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Swiss Colony and their collection company, XXXX XXXX continue to contact me regarding account XXXX with a balance of {$530.00}. This account does not belong to me ; it was opened as a result of identity theft. I have already contacted Swiss Colony and XXXX XXXX, but this account still has not been removed from my credit report. 

I never opened this account. The bill was sent to an address that I have never been affiliated with nor have I lived at the address. I have sent multiple copies of my ID theft affadavit and they still continue to harrass me about the debt that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: TekCollect 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: Reporting company used your report improperly

Complaint:
The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate the date last active is inaccurate, and the date last reported is not accurate This is grounds for removal. 
They also violated my rights under 15 U.S.C 1681 Section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: 2288984 Ontario Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Received a call from a 3rd party collection agency that threatened to have me arrested for wire fraud for stopping my ACH. I was unable to make the demanded high payment right at the time, and the company identified themselves as summers process servers. The man said if I could not pay, I would be in jail in four days for wire fraud and hung up. 

They claimed the process servers were located in my county, but after doing research, I found no such company. He said that by ending my ACH authorization, I had committed wire fraud because my bank account was collateral. The number was from XXXX, Tx and the man was very pushy, rude, and very threatening, almost laughing. The number was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 delinquent accounts that do not belong to me. i attached all accounts associated and does not belong to me. 2 collections and 6 late accounts I. don't understand, please 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 explanation
Consumer complaint received 2023-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States Have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a Consumer Agency can not furnish a account without my written instructions.

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 2019-12-27
Company: EQUIFAX, INC.
State: MN
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:
Attached to this complaint is a police report and identification information for Equifax Office of Consumer Affairs Department to review. The following accounts listed on my Equifax credit report are fraudulent, unauthorized and not my accounts : XXXX XXXX, {$560.00}, and XXXX XXXX  XXXX Credit Card, {$1800.00}. The following accounts/cards are lost/stolen : XXXX XXXX Credit Card, XXXX Credit Card and XXXX XXXX XXXX XXXX Credit Card. The following credit inquiry is fraudulent and unauthorized : XXXX XXXX XXXX, XX/XX/2019

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-07
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I have a student loan with Navient. Been paying them for a little over a year and they keep increasing my loan. That its affecting my credit score as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: Winklevoss Exchange LLC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XXXX/XXXX/XXXX, Gemini XXXX  froze my account for no known reason and sent emails but they did not give any reason why it was frozen and I can not withdraw my assets or make any trade. Account frozen, Ticket ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: CAINE & WEINER COMPANY, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I requested for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully requested XXXX XXXX & XXXX to provide me with competent evidence that I have any legal obligation to pay. I get no response from the company, but they continue to report invalidated information to all of the three major credit bureaus ( XXXX, XXXX, XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States Have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a Consumer Agency can not furnish a account without my written instructions.

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: 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:
The XXXX XXXX is reporting incorrectly to XXXX  ; XXXX  and Transunion a ( 30 ) day late on THD/CBNA partial account number XXXX. ( Please see page attached from my credit report. ) I never received this statement in the mail and when I realized that I never got it, I immediately called and made the payment. I was assured by the representative that there would be no late reported and that the account was still in good standing. I have never missed a payment on this account and this late payment that is reporting needs to be removed. This false reporting of a late is seriously harming my credit score. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

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 2021-02-02
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
We were offered the covid relief to suspend payments for a certain time during XX/XX/2020. We did 3 months then wanted to start making payments again but was told we would have to do some type of modification called " trial payments '' to see if we could afford the mortgage. We never heard of this and never said we couldn't afford the payments. The trial payments was sent but they keep putting them in a suspense account ( to make interest off our money ) and not apply them to our account. Then when I called more than once I was given scripted speech. I have written letters to them to ask why these payments are not being applied with no response. I also had an overage in my escrow which they said I could not get because the account is delinquent. The account would be current if they would apply the payments that have been sent to them. Then the 2020 XXXX XXXX XXXX which I had to access on their website is also incorrect because the money they have in the suspense account hasn't been applied for the 2020 year. I just need this account to be brought current and all the shady business to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27
Company: CITIBANK, N.A.
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:
I logged into XXXX XXXX to check my credit score and noticed that it has fallen over 41 points and that is because someone has used {$5200.00} from a Sears/CBNA account with a limit of {$6500.00}.

I do not know where this came from, this account is over 26 years old and I do not know how I got the account in the first place.

I strongly believe this is a result of identity theft.

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 2022-01-21
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Spoke with collection company about a higher than original balance on my account. It turned out that the debt collection company decided to add anothers person account to mine. They claim it is my spouse, my spouse is A completely different person than what they claim and has been my only spouse. When I tried to get them to remove this debt or to offer me a letter saying that my payments will only apply to my original account to which I acknowledge and would like to pay they said they couldnt do that. All I wanted was a guarantee in writing that my payments will only go to the accounts that I am responsible for, not some other account that without my knowledge or any written proof that its in anyway linked to me, but they wouldnt do that either.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27
Company: Experian Information Solutions 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 is missing that should be on the report

Complaint:
XXXX XXXX has 2 years of innacurate reporting every 30 days on my credit

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 2020-02-12
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Denied VA Home Loan While I Meet All VA Loan Requirements And Have Approved Loan From Another Company. 

They Used Debt Incurred During Deployment As The Reason For Denial Of Home Loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This Chase account was opened through my Amazon account ( introductory offer which saved money on the purchase ). The balance was paid in full on the next statement ( XX/XX/20 statement ). 

Then started receiving debits for XXXX XXXXXXXX on this statement ( XXXX & XXXX ), which was paid on the XX/XX/20 statement ( even though I did not want these services ). I called to cancel services and was on hold for an hour ( 58 minutes to be exact ) and was disconnected by Chase during the transfer process. The account is now starting to receive late fees ( {$39.00} ). 

On the XX/XX/20 statement, started receiving XXXX XXXX charges ( XXXX ) in addition to the XXXX automated debits. I DID NOT ASK FOR ANY OF THESE CHARGES TO BE APPLIED TO THIS ACCOUNT AND CAN NOT GET ANY HELP TO REVERSE THESE CHARGES. 

I finally was able to speak with someone and they want to treat as fraud? This is not a fraud issue. The charges from the partnership with XXXX need to be reversed. I even had to speak with XXXX to have their charges reversed. 

In short, I could not get all fees reversed and fees waived and can not get someone from Chase to assist in resolving this issue. The balance is entirely XXXX fees/late fees and interest. I have never experienced such a bad customer experience. I have now received a charge off letter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
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: Public record information inaccurate

Complaint:
Upon viewing my most recent consumer report, I saw a bankruptcy that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy This Bankruptcy claims that it shouldn't be on my credit report and that you released my personal information without my consent.This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!

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 2019-12-27
Company: General Motors Financial Company, 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 is missing that should be on the report

Complaint:
GM Financial has 2 years of innacurate reporting every 30 days on my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-30
Company: CAINE & WEINER COMPANY, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
A phone call was placed to my personal cell phone number at XXXX XXXX  XXXX  time XX/XX/2023. 
I returned the call at XXXX XXXX XXXX  Time and requested an email address and mailing address. 
I spoke with XXXX representatives in which directed me to the website and not grant the information collected. 
I asked to for proof of the a legal binding contract between XXXX XXXX and Caine & Weiner. 
If the debt can't be validated, I request that Cain & and Weiner cease all further collection activity and reporting of a debt that isn't owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
My recent credit scores from TransUnion and XXXX revealed a 50 point difference. My TransUnion score is XXXX and my XXXX  score is XXXX. Theres no logical reason for this drastic disparity. I called TransUnion and received a scripted explanation. Both agencies have records of my joint credit accounts with an ex-spouse and my individual accounts. Not one of my individual accounts has ever been paid late, usually early and usually in full month to month. I can understand a difference of a few points, however not 50! I have been diligent over more than 12 years to remedy my personal accounts in spite of payment disparities caused by my ex-spouse on two joint accounts. I recently closed a XXXX credit account which I always paid on time. Is the score from TransUnion my reward for my financial diligence and care?

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 2022-01-21
Company: Better Mortgage, Inc.
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
This complaint is about Better.com. 

I recently closed a ReFi with them on XX/XX/2021. They collected the property taxes of amount {$3700.00} during closing from me but this amount was neither paid to the county nor transferred to the new loan servicer ( XXXX XXXX ). 

I am made several attempts to resolve this issue with Better.com, emailed several members of their funding team, but not getting any responses for resolution. Looks like they are just ignoring the issue and no one is willing to help. 

Please help me resolving this issue with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent a letter onto remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again. 
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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