BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is a formal complaint against Portfolio Recovery XXXX located in XXXX, VA. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, XXXX, XXXX and XXXX and not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, Portfolio Recovery LLC has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices- disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: Financial Management Solutions, LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX  is reporting an false account on my credit file. The Financial Management account was deleted back in XX/XX/2020 as you can see from the attached credit file. Then reported at the same time with a balance of {$9900.00}. Falsely claiming I made a payment of {$7.00} When I was never given legal documentation detailing any information about this account. It's payment history, late fees, original balance, sign contractual agreement with FMS Financial Solutions. No relation documentation or Title of enrichment was ever provided as to whom this third party debt collection company represents. XXXX  continues to report this false account though I have sent documentation that would state these facts.

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 2023-03-23
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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2019-10-09
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Experian 's current " credit freeze '' status can not be seen. Instread, they push you to pay-upgrade to " credit lock ''. 

Requires mailed paperwork every time to freeze/unfreeze credit report since 2017. Online freeze/unfreeze fails every time saying my wife and I need to mail in the request, without explanation. There's no option to upload documents either. 

Experian seems to go out of the way to make the process painful to consumers. 

XXXX and XXXX do not have such issue.

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 2021-10-18
Company: Remitly, Inc.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I have a person that I was sending fund for them in the XXXX. Both remit companies stop sending my funds without telling me why. This young woman is enrolled in college and need funds by the first of XXXX to continue. I gave them both her name and college so they could check. It was about two months ago that I sent by Remitly and XXXX after Remitly refused to continue to send my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: PNC Bank N.A.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I am trying to link my PNC account to my XXXX  account so that I can transfer money to PNC in order to bring my account out of a negative balance. Ive been having this issue a lot with pretty much any site I try to connect PNC with it usually denies access to my account. I just need help getting PNC to allow me to connect my bank account with other accounts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-20
Company: Debtsy Holdings, Inc.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
have reach out to this company asking them to valid this debt and they never did but yet they are still trying to collect on it. And this company is in violation of codes 15 use 1692b ( 2 ) 15 use 1692f 15 use 1692b ( 5 ) 15 use 1611 all which is subject to a XXXX per fine.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-08
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have contacted transunion and sent letters multiple times for three inquiries that I did not authorize transunion keeps telling me I need a letter from the company I have contacted all three companies and unable to get any assistance because I do not have an account with them

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 2021-10-18
Company: WAKEFIELD & ASSOCIATES, INC.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity was stolen in XXXX, someone filed my taxes and received the refund. When I realized this had happened I immediately went to the IRS to see what I could do to resolve the situation after XXXX XXXX XXXX XXXX gave me the run around because they initially didnt believe me when I said I havent filed taxes yet for that year. The assistant at the office only gave me info to send in affidavits to resolve this issue. I havent been able to file taxes within the last few years due to not receiving a pin to file them, fear, and lack of knowledge. Now, I have been doing more research, calling the companies, and wanting to check my credit scores to start my life and theres plenty of credit reports from hospitals and credit cards that Ive not been aware of. These are the accounts that are on my report. 

XXXX XXXX XXXX for {$790.00} XX/XX/XXXX XXXX XXXX XXXX {$790.00} XX/XX/XXXX XXXX XXXX XXXX {$770.00} XX/XX/XXXX XXXX XXXX XXXX  {$380.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$360.00} XX/XX/XXXX XXXX XXXX XXXX  {$310.00} XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$220.00} XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Countless Disputes With All 3 Bureaus to repeatedly report inaccuracies not to mention a breach of contract with XXXX  where my report as well as personal data was compromised. Creditors and Bureaus are not reporting timely payments and paid accounts. However, late payments, charge offs and collections are reported and updated almost immediately. Not a fair or legal practice in which all credit bureaus proclaim and assure. Also, points that are deducted first for late payments or charge offs are never replaced with paid accounts or closed and agreed accounts. How is this considered fair credit reporting especially in a world full of fraud and scams. XXXX is one the leading major credit reporting agencies whom are now under investigation for data breaches but yet and still are deemed reliable to report important data on millions of consumer 's credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: I.C. System, 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:
I got these accounts that are not mine and i want them to be deleted from my credit. 

1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXXXXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.

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 2020-02-09
Company: 21ST MORTGAGE CORP.
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 checked my credit and saw an account from 21st mortgage. 

I do not own a home nor do I have a mortgage. 

If there is documentation with signature on it, please release that information to me so i can take it to the police. 

I am not a homeowner and my name shouldn't be associated with any mortgages.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am continuosly getting phone calls and letters stating I did not make my XXXX 2017 payment to Navient. I have it set up automatically through my bank online to make monthly payments of {$200.00}. My bank, XXXX XXXX, records show the check was cashed on XX/XX/XXXX. I sent the records to Navient and they have not fixed the problem. I have spoken with customer service on several occasions ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) to no avail. On XX/XX/XXXX, I faxed the neccessary paperwork from my bank proving they cashed my check on XX/XX/XXXX and they have done nothing about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: BARCLAYS BANK DELAWARE
State: MI
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:
On XX/XX/XXXX I submitted a request for payment deferment due to Covid-19. I was laid off from my job. I submitted online and received a message stating once the request submitted I would be allowed to skip the next two months ' payments. ( Please see the message from BarclayUS below ) However, today ( XX/XX/2020 at XXXX from XXXX ) I received a call from Barclay Card customer service rep saying my account is past due, I have been charged a {$49.00} late fee. If I paid the minimum {$27.00} today, they would reverse the late fee. I explained I had requested payment deferral due to being laid off. She asked me when I was laid off, and if I could make the {$27.00} payment. I explained money is tight and I prefer not to. I also explained I had applied for payment deferral. She said she had no record of that. When I pulled it up on the " Message Center '' in their website and told her it is there. She stated that she could not access message center messages. 

I asked her for payment deferral and she said it is too late for XXXX and that she would defer XXXX. She asked me to make the payment now with her on the phone and then she would reverse the late fee. 


***** MESSAGE FROM BARCLAY US BANK RECEIVED XXXX XXXX************ Thank you for contacting us regarding your Barclaycard Rewards Mastercard . 

We understand your concerns and want to provide assistance to our cardmembers who have been impacted by the COVID-19 coronavirus. If you are unable to make your payment during this difficult time, were here to help. You can request payment relief online by logging in to your account at the website listed on the back of your card, choosing " Contact Us '' and then select the " Payment Relief '' option to submit a request.

Once you submit your request, we are allowing you to skip the next two payments due on your account. This means you do not have to worry about making a payment for this current billing cycle or the minimum payment due reflected on your next statement. The minimum payment due will still appear on your next statement and interest will continue to accrue, but you do not need to make a payment. 

Please allow us 5 to 7 business days to make these adjustments to your account. If you have set up Repeat Payments on your account, you will need to cancel them or a payment will be applied to your account. As a reminder, you can view your transactions, check balances, and manage your account through the website listed on the back of your card or our mobile app. 

Sincerely, Customer 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 monetary relief
Consumer complaint received 2020-04-29
Company: Experian Information Solutions Inc.
State: MN
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:
To Whom It May Concern : This letter is in response to your recent claim that [ DEPT OF XXXX XXXX ] has verified that the account they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. I am requesting a reinvestigation AND your Method of Verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D. Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for:1. ) Defamation2. ) Negligent Enablement of Identity Fraud3. ) Violations of the Fair Credit Reporting Act. 
My contact information is as follows : 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 2020-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

XXXX XXXX XXXX {$670.00} XXXX/XXXX   XXXX {$1200.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}

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 2020-04-29
Company: M&T BANK CORPORATION
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We have attempted multiple times to contact M & T Bank mortgage servicing ( XXXX ) regarding a claim check in which their name was put on it by our Insurance Company, XXXX  XXXX XXXX. In the attempts in which I have spoken to someone we have received many different responses, 1 ) we find your mortgage paid in full so you need to contact our customer service department and request a mortgage clause letter so that it releases our name fro the check 2 ) we found that your mortgage was transferred and we have no further information so we can not release our name at this time 3 ) Per representative, I can not find a mortgage with you as lender so I will need to request an investigation which an take 15 days, and someone will be in contact with you at completion of investigation. 

Now here 's the issue, we have not ever had a mortgage with this company and have no idea how they have ended up on a insurance claim check. I have contacted the insurance company and their response is they receive this information from a third party fax machine in their office and without investigating or asking client they just add company to the policies. 

It would be helpful to get to the bottom of this issue so that we could claim the check and get it reissued. Thank You for this consideration

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 2020-04-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Capital One during these unprecedented economic times, crashing stock market, shelter in place shutdown, COVID-19 Virus spread is only willing to waive my XXXX Credit Card Payments. Capital One has not waived late fees, waived interest or lowered my interest rates. XXXX  XXXX XXXX waived 3 payments with no late fees, lowered my interest rates by 1.5 % with no impact on my credit report. XXXX waived 2 payments, waived 2 months of interest, waived late fees, lowered my interest rate by 1.5 % with no impact on my credit report. XXXX XXXX   waived 2 payments, waived late fees, lowered my interest rates by 1.5 % with no impact on my credit report. Department of Education has waived payments for 12 months, with no interest thru XX/XX/2020 with no impact on my credit report. 
Shame on Capital One charging me up to 24.4 % interest in these challenging times. I am asking Senator XXXX  XXXX to look into Capital One 's unfair credit card policies and practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09
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:
I checked my credit and saw an account from XXXX XXXX. 

I do not own a home nor do I have a mortgage. 

If there is documentation with signature on it, please release that information to me so i can take it to the police. 

I am not a homeowner and my name shouldn't be associated with any mortgages.

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 2020-04-29
Company: EQUIFAX, INC.
State: AR
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:
For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts from my report as soon as possible. They do not belong to me.

Company response to consumer: Closed with explanation