BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-07
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Account status incorrect

Complaint:
The account ending in XXXX with Portfolio Recovery was resolved and settled in full back in XXXX/XX/XX/2021. The company stated the account was settled in full and no amount due. It is referenced on their site and when I negotiated the settlement was told the same. I was notified today by XXXX that the same company and account has opened the acct back up for XXXX after it has been settled. This is not ethical or legal when it was closed, you cant open it back up and I am actually getting exhausted dealing with this company and adding amounts back up when its been settled. I need this resolved asap or I will seek to pursue further legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Hello so I am being charged for a XXXX bill for phones I bought around XXXX for {$460.00}. I asked for XXXX to close the account and I believe they did they closed everything. I do not owe or have to pay anything as the account was closed and I keep getting harassed by the debt collector.I have no job due to Covid-19. I am barely able to pay for my bills as it is.

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 2022-01-19
Company: Experian Information Solutions Inc.
State: CO
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:
Since 2019 I have been working with this company to get VALID VERIFICATION OF THIS DEBT! In 2019 I was sent a generic letter printer from the XXXX funding firm with none of the following : Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 

As I have explained I had NO knowledge of this account and XXXX funding has NOT BEEN able to provide correct verification I MADE ANY AGREENCE WITH THE FIRSYT DEBTOR.

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 2021-06-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
XXXX credit report shows unknown hard inquiry from Capital One/XXXX XXXX XXXX. I have never in my life been to a XXXX XXXX XXXX. XXXX refused to help and told me to contact Capital One. Capital One refused to help and transferred me back to XXXX. Now both are saying it is the other 's problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-02
Company: Experian Information Solutions Inc.
State: NY
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 ran my credit recently to start generating credit and see someone else has been using my credit before I even got the chance to. I have no knowledge of these accounts nor did I give anyone access to any of my personal information. Below are the accounts. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX ( XXXX ) XXXX-XXXX amount {$1200.00} opened-XX/XX/XXXX ( 4 yrs, 1 mos ) XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX ( XXXX ) XXXX-XXXX amount {$250.00} opened-XX/XX/XXXX ( 3 yrs, 10 mos ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX ( XXXX ) XXXX-XXXX amount {$320.00} opened- XX/XX/XXXX ( 3 yrs, 4 mos ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NV XXXX XXXX ( XXXX ) XXXX-XXXX amount- {$0.00} opened-XX/XX/XXXX ( 5 yrs, 3 mos ) XXXX  XXXX   XXXX  XXXX XXXX XXXX XXXX, OH XXXX XXXX amount- {$370.00} opened-XX/XX/XXXX ( 5 yrs, 6 mos )

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 2022-03-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Sent payment to the original collection company to settle the debt and have it removed from my credit report. I never received any update of the status of the account or my right to dispute the debt. I received a letter in the mail from portfolio recovery saying that I now owed portfolio Recovery. When I called portfolio and explained that I wanted validation of ownership of the account because it was to my knowledge owned by XXXX XXXX and didn't appear on my credit report, they then said they would start reporting the negative items to damage it until it was paid. I feel like I was taken advantage of and my rights as a consumer were violated and that they took predatory action wich damaged my ability to get loans and other forms of credit

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05
Company: U.S. BANCORP
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
For more than 1 year, I tried to close this US Bank Checking Account because they convinced me to open a 2nd account when I did not need it. When I tried to close the account because there were no branches where I lived, and besides their fees were due to the cost of the new account. When I travelled XXXX on business, 3 different times I went inside the branch inside the XXXX supermarket to close my account, every single time it was a different excuse # 1 the manager has to close the account # 2 I 'm new and I need to wait for the manager to help me close the account # 3 Similar situations not to mentioned the numerous phone calls. So I stop using my primary account because they kept taking money to cover the cost of the account that I never wanted. 
Now, not only did they finally close the account but US bank closed my primary account and with a negative balance plus reported me to the XXXX. I 'm furious! So why did they keep my savings account open???? This is totally ridiculous! I 'm reporting them so other consumers can be aware! and they MUST fix this wrong!!!

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 2022-01-19
Company: National Credit Adjusters, LLC
State: LA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have reached out to NATIONAL CREDIT ADJUSTERS twice regarding an account with XXXX XXXX and XXXX XXXX I told National Credit Adjuster and XXXX XXXX several times, this account does not belong to me. National Credit Adjuster is still reporting false information to my credit report. They can not find me with documentations to show it was me such as a signed statement owning the account. Everytime I call, the agent has a very nasty attitude with me and being very forceful and threaten to sue me if I do not pay an account that does not belong to me and they wont send me proof that this account is mine. 

For XXXX XXXX, I have asked them for XXXX XXXX contact information and they are claiming they do not have it. I do not understand if you own this account, why you do not have the XXXX XXXX contact information. I googled XXXX XXXX customer service number, they can not find an account that belongs to me. NATIONAL CREDIT ADJUSTER IS A SCAM AND TRYING TO STEAL PEOPLE MONEY AND INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05
Company: Option Funding, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This is the second complaint I am filling for this company. The original complaint number is XXXX. Originally I was working with Option Funding on refinancing my home loan. We told them that we wanted a loan with the terms that we pay twice a month rather than once a month. This would reduce our principle faster so our 30 year loan would be paid off early. They agreed to find us a loan with these terms. Once we signed on the loan we found out that the loan was not set up this way and the lender would not make this change since this requirement was not stated in the terms of the loan. I informed XXXX XXXX at Option Funding and they said they would call the mortgage company to fix this. They said I could just make an extra payment at the end of the year but this is not what we agreed to when we signed up for the loan. During this time the original mortgage company sold the loan to another company who stated they would not make any changes to the loan since the terms were already set. Option Funding said they would try with the new company but never got back to me and is no longer taking my calls. 

The from the company through CFPB response was not true as they never contacted me about any offer of refinancing on this loan and never mentioned a bi-weekly payment center. Also this was a by monthly request at the beginning of the loan process and they agreed to find one like that. I reached out to the loan office repeatedly as did my relator with no response.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Since roughly XX/XX/2021 I had someone fraudulently using my card that stole my identity and attempted to change payment method of how the card was paid for and maxed the card out and made multiple payments that went through and kept using the card and all the payments got reversed. I was on vacation and dont monitor the card too much as I always had it on autopay. Would review every 90 days or so to review charges. Upon reviewing I discovered a major problem on both of my XXXX cards. My XXXX card and my XXXX. If you look at my history I have always made my payments. I believe along time ago their may have been a missed payment cause I switched banks and autopay didnt work properly but I have great credit and good standing with XXXX outside that. I attempted to call them to resolve and they said that there is nothing they are going to do. I escalated it up as high as allowed and they said they would not help me and that I owe the balance. This is not credit protection and they in no way shape or form attempted to help resolve the situation. I called several times back to make sure I just didnt get someone that didnt know what they were doing and they tell me the same thing. I have been a long time XXXX customer for close to 10 years or more and always had good standing with them. I am a victim of fraud and identity theft and they acted like they didnt care. I need this investigated cause alot of money has been charged against me that I had no control over and I cant get any cooperation or protection to solve this. I hope you will be able to get to the bottom of this. I have filed every identity XXXX XXXX I can but this is so wrong and I cant believe after so many years of loyalty and business with them that this is how I am treated or is how they think this is ok as to how it should be resolved. I am going to hire an attorney next if they dont resolve this promptly. Thank you for all and any help you can assist me with in this matter. XXXX bless.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: N.A.R., Inc.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The collection company NAr ( north American recovery ) never provided me with the documentation on the Medical bill they were collecting for. IN order to remove it from my Credit Bureau I just paid the debt in full of {$1400.00} on XX/XX/17 I was told by XXXX who processed my credit card it would take 24 hrs before they could send me a receipt it was PIF. I never received any documentation I contacted NAR XX/XX/17 spoke with Supervisor XXXX XXXX. Explained I never received a PIF notice. She said it waould be faxed that day. Again it was never received. I called & asked for XXXX XXXX, was told she was unavailable so I left a voicemail with my info & explained I never received a fax or email for the PIF doc. Again no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
My vehicle was repossessed for being 33 days late on a {$250.00}. I informed them several times that I was injured on my job and was out on XXXX ... I continued to make payments even though i was late and wasnt bringing in the money i normally was if i was working. I received an email approximately XX/XX/XXXX from a representative from XXXX asking for payment. They was informed that a payment wasnt able to be paid until the XX/XX/XXXX. I didnt hear any response back. On the night of XX/XX/XXXX approx a tow truck came to my home to repossess my vehicle from XXXX XXXX XXXX. Upon them towing my vehicle they began dragging my vehicle down my street and driveway even though they had keys to it ... My family began running down the street yelling for them to stop dragging my vehicle until we heard a large pop from my vehicle. On XX/XX/XXXX I arrived at XXXX XXXX XXXX  to retrieve my appointment after paying XXXX my payment for XXXX {$250.00} ; Late fees {$68.00} ; and repossession fee of {$370.00}. As I went drive car off the lot i was unable to drive my car. My gearshift was not operable unable to put into drive. They young lady called her manager about the situation and i was told by him to go home until he was able to reach his agents.. About an hour later he called back and said his mechanic which turned out wasnt an mechanic but another employee was able to jerk my car into drive and remove it from the back lot. AND basically left it running and walked away. I had to have it towed off the premises to mechanics. I called XXXX XXXX to file a claim and have yet to receive any response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02
Company: TRANSWORLD SYSTEMS INC
State: CO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been paying off my loan with XXXX XXXX XXXX consistently for year with no problem. Starting this year I updated my bank account information and all of a sudden all my payments have been failing. I have tried paying to my loan 6 times and they keep failing the payment. I have re-updated the correct bank account information multiple times and they still fail to accept the payment. I contacted my bank, who checked their system and they found 0 record of XXXX every trying to take the payment. I have confirmed the bank accepts ACH ( I have multiple other loans paying from the same bank account with NO problems ). The customer service with XXXX is HORRIBLE. I have called and e-mailed numerous times and I get some person outside the United States who knows nothing and they all come up with a new excuse and never actually help. I have gotten no return contact from someone who will actually fix this. Now they have started going after my credit for their error! I can not get anyone to help and all I want to do is pay my loan and restore my credit history, which should show 100 % payments and no derogatory marks. I am trying everything I can and this is all the fault of XXXX and their failed system.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: Commerce Home Mortgage, Inc
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX XXXX XXXX XXXX # XXXX working with the XXXX XXXX XXXX XXXX in California , listed as a seller multiple counter offer document the following request : " Top Buyers to cross qualify with XXXX XXXX XXXX Mortgage before any offer is accepted per MLS '' XXXX XXXX NMLS # XXXX Ms XXXX XXXX and Mr XXXX both work for the same brokerage as evidenced on the staff page of their company 's website. 

XXXX XXXX XXXXXXXX This is an unethical and potentially illegal conflict of interest to abuse the privilege of a listing agent in manipulating buyers to seek the services of an internally related lender, particularly when qualified buyers would already be pre qualified with the lender of their choosing as this was a counter offer term. 

Additionally, this may represent housing discrimination in that buyers " must qualify '' with the lender of XXXX XXXX XXXX choosing in order to be accepted- a claim that far exceeds the ethical and legal limits of her professional capacity and violating the housing rights of buyers. 

This should result in sanctions against both licensees.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: Experian Information Solutions Inc.
State: NV
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:
the bankruptcy that i filed back in 2012 is still on my credit file and should be removed because its been 10 years since it was added. experian has kept it on my file without having all the proper info to have it there. nexis lexus is not where your suppose to go to verify something, which they have been doing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29
Company: SYNCHRONY FINANCIAL
State: GA
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:
I did not apply for this Syncb/bp Dc credit card. Can you help me with this problem?

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 2019-05-02
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: Account information incorrect

Complaint:
I looked at my credit report and notices some missing payments and a collection account I am unaware of. 

Please investigate the following account need be reviewed and updated : XXXX XXXX has not reported payments for XXXX, XXXX, XXXX and XX/XX/2019 XXXX XXXX XXXX - Account : {$540.00} Balance {$450.00} Original Amount I do not recognize this account and it does not belong to me please re-investigate delete this account from report. 

I have been wrongfully denied credit due to the following reporting mistakes. I have enclosed my ID and a bill as requested

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 2019-05-20
Company: GLA Collection Company, Inc.
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2016 i was XXXX  in the XXXX. I had medical insurance that was supposed to cover all costs. Plus the XXXX got away free and clear while i apparently had to get the worst end of it all. I suffer and he didn't. If their were any costs to pay he had to pay them. Plus, again i had insurance to cover my pain.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: Continental Finance Company, LLC
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:
I was checking on my credit report and came across this error listed on my credit. 

XXXX continental finance  XX/XX/2020 is showing on my credit report and Ive never taken anything out from this company. 
Please review and remove from my account. Thank you

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 2022-08-11
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XXXX Charged me {$1000.00} on XX/XX/2022 and this was not an authorized charge. I called XXXX and they said " Sorry, we can't do anything about this charge. I filed a dispute with my bank after this.

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