BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio recovery services calls me multiple times a day claiming I owe XXXX dollars for a credit card opened in my name. I was a victim of identity theft. They call sometimes 5 times within 10 minutes from different numbers. I already informed them of the identity theft but they dont listen to me. They called me Sunday night at XXXX and have called before XXXX and after XXXX multiple times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-27
Company: EQUIFAX, INC.
State: SC
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:
Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2021 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02
Company: SYNCHRONY FINANCIAL
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Transaction involves PayPal and PayPal Credit ( Synchrony Bank ). Funds were transferred from PayPal to PayPal Credit on XX/XX/2019. There is no option in the transfer process for the payer to designate how the funds are to be applied. A call to PayPal Credit on XX/XX/2019 started the process of re-allocating the funds to where I wanted them applied. On XX/XX/2019, nothing on my PayPal Credit account had changed. Not even a sign that something was in process. A call to PayPal Credit connected me to someone named " XXXX. '' obviously a nom de plume as he was probably located in XXXX. When he was unable to give me any logical information other than the change could take up to 60 days, I requested to be transferred to a supervisor. That got me to XXXX, who was clearly upset that I was bothering him. He again told me that it could take up to 2 months for the change to happen. I told him what the problem was and he seemed to just keep repeating that it's the way we do it. Potentially this delay could cause interest to be charged to my account. He told me that if that happened, it would be rectified. Probably taking another 2 months ( Conjecture on my part ). This is utterly ridiculous in an age where banking is done 99 % by computer. Previous re-allocations have take 4 days to 7 days to occur. This is obviously a major failure on the part of Synchrony Bank. I am just one person with a payment of about {$260.00}. How many others are they causing this grief to on any given day. If they can't handle simple transactions in a timely manner, perhaps they should get out of the banking business and into something less complicated, like basketweaving.

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 2023-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
right to financial privacy act 1681 sec 2 prompt notice of dispute to furnisher of information you had five days to do so and you have not so this is a violation and i sent certified mail sent XX/XX/2023 number XXXX everything wiped off as XX/XX/2023 and XXXX dollar fine right to financial privacy act 1681 sec 2 prompt notice of dispute to furnisher of information you had five days to do so and you have not so this is a violation and i sent certified mail sent XX/XX/2023 number XXXX everything wiped off as XX/XX/2023 and XXXX dollar fine right to financial privacy act 1681 sec 2 prompt notice of dispute to furnisher of information you had five days to do so and you have not so this is a violation and i sent certified mail sent XX/XX/2023 number XXXX everything wiped off as XX/XX/2023 and XXXX dollar fine

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 2022-09-12
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The original creditor was XXXX XXXX. I paid over {$300.00} in XXXX to transfer the phone over to XXXX. The rep from XXXX  advised that she would not provide the unlock code until i paid off the device. Now XXXX  is has sent I.C. Systems, INC after me trying to collect on the same amount i paid to switch over. I.C. Systems, INC has failed to notify me in writing in regards to the alledged debt. However, they have placed the account in collections on my consumer 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 2018-08-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX has been calling me for years. I talked to them a couple of times, but refused to send me any kind of documentation. I will not pay a bill over the phone and/or without a written demand letter. I sent them a letter last month requesting written documentation regarding the debt. I received two documents from them in response. 
However, both state that the documents were " Not an attempt to collect a debt ''. If they are not trying to collect on a debt, then why are they calling 2-3 times a day, every day of the week? They even called this morning at XXXX XXXX and XXXX XXXX and they have now called me at XXXX XXXX. Each time, never leaving a message. They either need to send me a demand letter or stop harassing me and remove their names from my credit reports. I also need a letter from someone stating that. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Equifax and XXXX and XXXX have a XXXX XXXX account for XXXX not mine a XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX inquires on my reports that are not mine please remove from credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
A personal loan was fraudulently taken out in my name in XX/XX/2022 from XXXX XXXX XXXX. I attempted to contact the company but had no success with the phone number on the report. I disputed the personal loan with all three credit reporting agencies. All three came back with the result that the loan was verified as mine, however the loan balance was then brought down to {$0.00} and the account was closed. The loan is still on all three credit reports and has a derogatory mark of payment being 30 days late. I want this to be completely removed from all three reports as it was opened fraudulently.

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 2022-11-23
Company: EQUIFAX, INC.
State: LA
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 sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous 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 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXXXXXX XXXX XXXX {$1100.00} ; XXXX XXXXXXXX Balance : {$820.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$2400.00} ; 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 response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Midlan Credit has fraudulent account in my name claiming I owe them XXXX as of 2021 which is not correct I do not own this company any money nor do I have an active contract or account with this company. This company has illegally bought, sold and traded my personal information to obtain a debt not owed to them. They were notified upon them contacting me that this was a fraudulent account and they threatened me saying I better pay them XXXX that I did not owe them and ruined my credit and I am seeking a remedy to make me whole from the damages that Midland Credit fraudulent reported to all 3 Credit Bureaus. XXXX notified me of the issue and this has costed me hundreds to thousands of dollars in damages. I am requesting this company leave me and my credit alone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-06
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX I requested a modification from Owen on my mortgage due to miss-payments based on illness XX/XX/XXXX Letter of Default date from Owen ( {$1300.00} ) was created and sent to me XX/XX/XXXX Modification on Owen sight read denied. 

XX/XX/XXXX Spoke with Relationship Manager, XXXX XXXX and requested a repayment plan to catch up arrears and it was also denied. 

While I have been trying to work out a repayment plan with Owen, they continue to engage in " Dual Tracking '' in an attempt to take my home. '' Home value : {$310000.00} ( BASED ON NEXT DOOR SALE OF XX/XX/XXXX Amount owed : {$90000.00} Amount pass due : $ {$1300.00} XXXX XXXX XXXX no XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: FIRST CITIZENS BANCSHARES, INC.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I got a letter from a Debit Collecter Service stating that they received a request from First Citizens Bank to collect a debieof a {$100.00} for a return check. I contacted the bank on XX/XX/2018 asking them to give me some details about the check since I know that I have not authorized any check to any individual or Business. The bank refused to give me any details. 
I don't understand why the bank collecting a debit of so called Return Check on some else behalf? 
I need to know who authorized that check.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. 

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. Which is what has occured on my credit report. I fear that Federal law has been broken, and that my rights as an American citizen have been violated as no physical verification of the original signed contract has been presented for any of the following accounts on my credit report : - XXXX XXXX XXXX - XXXX - XXXX XXXX XXXX - XXXX - XXXX XXXX XXXX - XXXX - XXXX XXXX XXXX   XXXX - XXXX - XXXX  - XXXX - Through The Country Do - 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 2023-03-24
Company: AMERICAN EXPRESS COMPANY
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: Their investigation did not fix an error on your report

Complaint:
I disputed the account with the company and allowed them ample amount of time and they have have failed to comply with the investigation. They have failed to adequately respond to my debt validation. 

This debt was allegedly charged off and they are still reporting that I owe them after sending me a 1099C allegedly and showing no verification with the IRS .If a 1099C is filed how are you reporting income thats FRAUD violations : 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S Code 1681b Permissible purposes of consumer reports Produce the 1099C

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: OneMain Finance Corporation
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
In mid-March I rolled over an old loan into a new loan. I originally asked for only {$1000.00} but the lender I spoke to, or an employee of the lender let me know that in the state of California the smallest personal loan you can take out is {$3000.00}. I'm fairly decent at making large payments or multiple payments monthly to any loans/credit cards I've had. I'm military and was unaware that I'm not supposed to roll over an old loan into a new loan. The loan terms were 54 payments at 35.99 % APR with {$5700.00} as the finance charge ( amount the credit was costing me ). Amount actual financed was {$5500.00}. {$560.00} was rolled into the loan with a {$250.00} prepaid finance charge. 

After a few payments were made I noticed that my principal wasn't going down. In XXXX I went to a XXXX  financial specialist to discuss why I was struggling with paying off the loan. By the end of XXXX I had made the following payments : XXXX XXXX {$300.00} towards the previous loan ( not going to total this in further down ) XXXX XXXX {$560.00} this payment came from the new personal loan I had taken out So in March- I had only made one payment from my checking account towards the loan. Had I not taken the second loan out I'd owe {$560.00} going into XXXX. The new loan rolled the old loan into it. 
XXXX XXXX returned check- this will give me a {$15.00} late fee which is fair XXXX XXXX {$300.00} ( only {$45.00} went towards the principal ) XXXX XXXX {$300.00} ( {$240.00} went towards the principal ) XXXX XXXX {$200.00} ( {$190.00} went towards the principal ) XXXX XXXX {$200.00} ( {$120.00} went towards the principal ) XXXX XXXX {$200.00} ( {$130.00} went towards the principal ) At this point I've paid {$1200.00} towards the loan in a span of 3 months. 20 % of the loan amount. Yet, only {$740.00} 13 % had gone towards the principal. I understand some of the payment portion should go towards the interest. Look at the inconsistency of those payments being sent to principal vs interest. 

Once I saw the inconsistency and the financial specialist looked over the loan they noticed some red flags for Military Lending Act terms. I was referred to a XXXX  representative. He reviewed the loan contract. He noticed immediately that there are two different rates on the contract. I have an APR of 35.99 % and a contract rate of 33.39 % on the second page, and the old loan being rolled into the new loan. 

In addition to the above, let 's rewind back to the {$250.00} prepaid charge I mentioned earlier. The loan meets the XXXX interest rate under the XXXX XXXX XXXX of 35.99 %. When you add that {$250.00} charge in, it's no longer XXXX, it's 37.2 %. 

The XXXX representative reached out to the lender 's remote location as well as their corporate location on XX/XX/XXXX. It is XX/XX/XXXX and there has been no response from the lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I disputed this false reporting of a {$16000.00} debt with Chase Auto Finance in XX/XX/XXXX. I again disputed with XXXX and Chase last month. XXXX is still reporting a reaffirmed loan and late payments after the debt was XXXX in bankruptcy in XX/XX/XXXX. This loan was not reaffirmed. The car was returned. XXXX balance is owing. 

This is preventing the processing of mortgage loan. Increasing interest rate and compromising loan approval because of income to debt ratio and late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-13
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 belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$50.00} ; XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX ) XXXX Balance : {$460.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2019-04-16
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit 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 made a large online purchase at Lowe 's using my Lowe 's Store Card in XX/XX/2019. During checkout, I was presented with the option for a 5 % discount or 24 months 0 % financing. I selected the 24 months 0 % financing option. 

Lowe 's Store Card, via Synchrony Bank, did not apply the promotional financing to my account and I was billed for the entire amount on my XX/XX/XXXX billing statement. Any unpaid balance would be subject to 26.9 % interest instead of having 0 % for 24 months. 

I called the Lowe 's Store Card customer service line and explained the problem. They informed me that they would correct the issue and issue a new bill to me.

Lowe 's Store Card never issued a new bill and they claim that my payment for the old bill is delinquent. In addition Synchrony bank has lowered by credit limit on this card by {$5000.00} which is damaging my credit score.

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 monetary relief
Consumer complaint received 2023-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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 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 non-monetary relief