BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-13
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Account status incorrect

Complaint:
Theres evidentiary inclusive of this complaint as Evidence of the Facts, the fact is that these XXXX XXXX got {$640.00} as seen on my XXXX XXXX XXXX Statement. Also there is a letter from Portfolio Recovery Associates, LLC whereby they would request the Credit Reporting agencies [ Delete ] Portfolio Recovery Associates LLC TradeLine, to-date these XXXX  XXXX are still Reporting this XXXX in the thought of intimidation and White Supremacy with acts of continuous delays, but these XXXX XXXX got proceeds in record time from me as promised, calling on you, the Consumer Financial Protection Bureau to implore Redress immediately in this matter!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27
Company: CL Holdings LLC
State: VA
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 submitted an investigation letter, specifically requesting certain creditors. My request was sent on XX/XX/2020. Around XX/XX/XXXX, I received a letter stating that XXXX refuses to do any further investigation unless provided with proof. The problem with this response is as follows : 1. The creditor ( s ) have not validated the veracity of the records. Obviously, thats why theres a inquiry. 2. The responsibility of this institution is to provide accurate records to third parties. Obviously, theres a gap in that directive. 3.  This institution is obligated by law to investigate, require proof from the creditor, that validates their record. There are gross disparities in this system. Not to mention discriminatory practices based on race, sex, and economic status.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I paid {$100.00} on XX/XX/XXXX for a forbearance on my loan. I received an approval letter on XX/XX/XXXX for forbearance from XX/XX/XXXX to XX/XX/XXXX. I was told, I could only re apply for forbearance after XX/XX/XXXX, so I reapplied on XX/XX/XXXX. Navient had me, due for a payment XX/XX/XXXX, but my forbearance was approved before them. I called them with the forbearance approval and they drug around and didn't tell the payment department. Then they had me owning a payment that I didn't owe. Now, they mailed a new forbearance letter out, stating my new forbearance is from XX/XX/XXXX to XX/XX/XXXX, due to a late payment in XXXX. I paid for my original forbearance {$100.00} for XX/XX/XXXX to XX/XX/XXXX. Not a new forbearance I didn't pay for dated XX/XX/XXXX to XX/XX/XXXX. Need help with Navient business dealings.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12
Company: The Cherrington Firm PLLC
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
I attended XXXX XXXX in XXXX XXXX XXXX in XXXX. 
I am a XXXX living in XXXX I went back to the clinic twice after initial visit at their request. On last visit was told there was no money owed ( I specifically asked ). 
At XXXX XXXX/XXXX  time ( I was in XXXX ) on Thursday XX/XX/XXXX I received a call from Cherrington Firm by XXXX XXXX . I was told that i had an outstanding Debt of {$80.00} to XXXX and as i had not responded to Cherrington 's letter asking for payment it was now a bad debt. 
I asked the address that the claim payment request was sent. i was told it was XXXX XXXX  XXXX XXXX  Zip XXXX Utah I explained that my office address in XXXX XXXX ( which was given by showing my business Card to the XXXX reception when i signed on as a new Customer ) was XXXX XXXX XXXX XXXX suite # XXXX, XXXX XXXX XXXX, Utah XXXX. 
I was told that i had given the other address on my Patient form and it was signed by me. I attach that form. 
I was then told i needed to call XXXX to discuss. i called XXXX XXXX to discuss, I asked what address they had and they said it was XXXX XXXX XXXX XXXX Zip XXXX Utah. 
I told them that is not the address I gave when i registered as a new Customer/Patient. I was told i have to call their Billing Office XXXX XXXX XXXX. 
I called Billing office and asked them what address was in their system and was given XXXX XXXX XXXX XXXX suite # XXXX, XXXX XXXX XXXX, Utah XXXX ( the correct address ) I asked what could be done the rectify this issues and was told to call Cherrington.

I then called Cherrington back told them the above and XXXX XXXX just said nothing could be done, so i reluctantly paid {$110.00}, which was the {$80.00} plus the fee for collecting a Debt. 
I asked for the details of the claim which I attach. 
What they did not give me is the initial letter to ask for payment which was wrongly sent to XXXX XXXX XXXX XXXX Zip XXXX Utah. This is an important piece of information as I need to see what address that had for me on that letter. 
I have today, XXXX  XXXX Eastern Standard Time XXXX hours wednesday XXXX XXXX called Cherrington to request the initial letter they sent to request the outstanding payment. i spoke to XXXX XXXX. 
I also said i want the difference of {$110.00} and {$80.00} paid back as i was wrongly charged for overdue Debt because the request was sent to the wrong address. she has told me the matter is closed and they can not assist. 
it is not the amount that is the issue it is the attitude. It is no ones problem. Every one slips it sideways. 
I am concerned that with Tactics like this other people ( perhaps elderly and sick ) will be forced to pay for Incompetencies of these organisations. 

thank you XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-21
Company: Kriya Capital, LLC
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:
On XX/XX/2021 I contacted consumer reporting bureaus asking for verification of alleged debts associated with my consumer files. I received a communication from a debt collector who wasn't given prior consent to contact me and who I've never spoke to or created any alleged debt with. The communication that was sent to me was validation of the alleged debt and not verification of the alleged debt as I requested. I have attached documentary evidence with this complaint along with the violations the debt collector committed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-02
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: Information belongs to someone else

Complaint:
I'm submitting another compliant regarding this XXXX XXXX XXXX that 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 explanation
Consumer complaint received 2020-10-11
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
Chase bank refused to allow me to record a phone call, while they themselves had already announced to both parties that the call was being recorded. 

When calling to dispute a separate issue ( already filed with CFPB ), I attempted to record a phone call ( after announcing myself, which was not required on my behalf per state law. ) when I felt I was being discriminated against, and treated poorly. 

Per Washington state law, I had every legal right to record this phone call. And, again, Chase was already recording it. 

Chase denied me my legal rights as a resident of Washington state, to record phone calls with proper announcement/consent. 

Chase denied me this legal right, in my opinion, to suppress any investigation by myself into their deceptive, predatory, unfair practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On XX/XX/XXXX, I called Chase regarding the interest I was charged on XX/XX/XXXX On XX/XX/XXXX, a payment of {$5000.00} was made and posted to the account then, onXX/XX/XXXX, I was charged interest on the original balance of {$6600.00} instead of on the current balance of {$1600.00}. When I called Chase, I asked to speak to a Supervisor and the lady I spoke to was extremely rude and would not let me speak. She said I was being charged {$110.00} in interest on the {$6600.00} because that was my balance inXX/XX/XXXX even though the interest charged was inXX/XX/XXXX, 5 days after I made a huge payment to my account. The billing cycle did not end untilXX/XX/XXXX and I made the payment on XX/XX/XXXX before the billing cycle ended.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: PNC Bank N.A.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
My husband and I are both over the age XXXX ( retired ), so with this Covid-19 pandemic we have to stay in our home even more so. So we pay people to get and deliver for us. With extra expenses, we turn to PNC bank to take advantage of their The Disaster Forbearance Plan. 

The Disaster Forbearance Plan includes : Payments are suspended for three months. At the end of the program, the total amount will be due. We may have additional options at end of the 3 months to pay back the amount due. Additional options may include : Moving the payments to the end Offering a repayment plan Enrolling you in a longer term modification option During the Forbearance Plan : Late charges are stopped for the duration of the plan.? The loan is reported as current to the credit reporting agencies for the duration of the plan. 

But they will choose at the end of the plan how they want you to pay it back, not before you accept the plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent the collection agency ( Credit Control Corporation ) several letters to validate or verify the debt and each letter has gone ignored. They will not reply to my letters but continue to report to the credit report agencies. They are violating my consumer rights

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
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: Investigation took more than 30 days

Complaint:
I have sent out letters and contacted the bureaus several times in regards to incorrect information. I believe my information was affected from the Equifax data breach. this incorrect information on my credit report is devastating because I cant get anything. Please help correct this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
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: Their investigation did not fix an error on your report

Complaint:
I have recently filed a legitimate dispute on XXXX XXXX on the removal of an old account that was settled after the first late payment over 84-months ago. XXXX XXXX is still posting the account as an {$820.00} Charge-Off balance, even though it was successfully settled XX/XX/2021. The account should be deleted permanently, but they are in violation of their subscriber agreement with all three credit bureaus respectively. Accordingly, I request the help of the credit bureaus through the Consumer Financial Protection Bureau. 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 2018-04-24
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: Personal information incorrect

Complaint:
I am writing in reference to address XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX on my credit file which does not belong to me. I contacted TransUnion explained to them I never been associated with this address in fact there is no such street in the town. The rep confirmed, she would removed the address and send me an update copy of my credit file. I received a new credit report file # XXXX and this address error is still there.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-21
Company: Franklin Collection Service, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Franklin Collection Service Inc. 
Address : XXXX XXXX XXXX XXXX placed for XXXX I recently reviewed a copy of my credit report on XXXXand noticed this one inquiry that was unauthorized Please remove these inquiries from my credit report immediately. 
Should this company claim to have pulled my credit report validly, then it is within my legal rights to ask for verification details : 1. The name and job title of the individual who pulled my credit 2. The date they claim to have received my permission to pull my credit 3. The method they claim that I authorized them to pull my credit Thank you for your prompt assistance with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: BARCLAYS BANK DELAWARE
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
As part of my CFPB complaint, XXXX, Barclays Bank of Delaware posted an image of my application account which contained highly sensitive security information in their response. I now need to go through my all my accounts and change data. Barclays negligence in posting this now also leaves me open to identity theft for the foreseeable future.

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 2020-10-11
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have submitted multi request asking the credit bureau to confirm and supply Method of verification and who they spoke with when verification the supplied. No such information has been supplied only a repeat result of Verified. I'm requesting that Experian delete the remaining accounts immediate : 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 2020-06-27
Company: SUNRISE CREDIT SERVICES, INC
State: VA
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 submitted an investigation letter, specifically requesting certain creditors. My request was sent on XX/XX/2020. Around XX/XX/XXXX, I received a letter stating that XXXX refuses to do any further investigation unless provided with proof. The problem with this response is as follows : 1. The creditor ( s ) have not validated the veracity of the records. Obviously, thats why theres a inquiry. 2. The responsibility of this institution is to provide accurate records to third parties. Obviously, theres a gap in that directive. 3.  This institution is obligated by law to investigate, require proof from the creditor, that validates their record. There are gross disparities in this system. Not to mention discriminatory practices based on race, sex, and economic status.

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 2020-08-01
Company: EQUIFAX, INC.
State: CA
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: Problem with personal statement of dispute

Complaint:
In XXXX, I sent several letters to my then mortgage company asking for them to validate the said loan. They never sent me any validation and by XX/XX/XXXX, they transferred said loan to another mortgage company instead of dealing with me. So, I began sending validation letters to the new mortgage company and found out there was XXXX mortgage companies associated with this said loan and they too, would not validate this loan. They sent VA to my home to serve me with a summons. By this time, I had done a quitclaim to transfer my home to a 508 ( c ) ( 1 ) ( a ) irrevocable trust and had it notarized and recorded with my county. Summons was answered and court followed. Judge and plaintiff would not listen or read my trust paperwork, my quitclaim or any of my paperwork as if nothing I said mattered. So, I lost in court, than Covid 19 began. I have since, sent out criminal complaints to FBI, NSA and Homeland Security. I am waiting now for responses from one or all. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: NAVY FEDERAL CREDIT UNION
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I was preapproved for a auto loan by Navy Federal Credit Union. While car shopping i stopped at a used car dealer called XXXX XXXX XXXX. They advised me they had the truck I wanted coming in and when they got it in, I would receive a phone call. They held on to my preapproval letter and my check. I never received a call and left for training. I later found out that my preapproval letter was cashed for the total loan amount of {$21000.00}. I was contacted by Navy Federal who was inquiring about the Title for the vehicle that I never received. Navy Federal Rep advised me that they did not know why the check was cashed because that dealership was blacklisted by Navy Federal. I went to the dealership to get some answers and found out that the dealership was closed down. I was told by Navy Federal Reps that they could do nothing. I reported the Fraud to XXXX Police who investigated the incident.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28
Company: Exeter Finance Corp.
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: Investigation took more than 30 days

Complaint:
On Tuesday, XX/XX/XXXX a letter was delivered certified mail asking creditor to verify late payments on a joint account. Thirty-one days later after retaining a new copy of credit report, I notified the company they did not contact credit bureaus to have account marked as disputed violating state and federal laws, FCRA section 623 ( a ) ( 3 ) & FDCPA section 807 ( 8 ). On XX/XX/XXXX I received a response from the creditor stating account was verified with no documentation showing so. On Monday, XX/XX/XXXX they received another letter delivered certified mail of all the laws violated by the company and their response was send them any and all documentation I have regarding account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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 submitted an investigation letter, specifically requesting certain creditors. My request was sent on XX/XX/2020. Around XX/XX/XXXX, I received a letter stating that XXXX refuses to do any further investigation unless provided with proof. The problem with this response is as follows : 1. The creditor ( s ) have not validated the veracity of the records. Obviously, thats why theres a inquiry. 2. The responsibility of this institution is to provide accurate records to third parties. Obviously, theres a gap in that directive. 3.  This institution is obligated by law to investigate, require proof from the creditor, that validates their record. There are gross disparities in this system. Not to mention discriminatory practices based on race, sex, and economic status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-29
Company: GREAT LAKES
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Im a XXXX who attend the school in XXXX. I used my XXXX  XXXX XXXX  XXXX with all my expenses covered through it yet somehow I have an outstanding XXXX loan for over {$8500.00} it has ruined my credit. I didnt want or need the loan. I believe the school is for profit and submitted for the loan fraudulently. This isnt how the XXXX XXXX works. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation