BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hi, Portfolio Recovery Associates, XXXX Claims they have sent me letters for a debt I owned 2 years ago. I never received any communication for them informing me of this debt. No mail no phone call no nothing from them. A few days ago I received a notification from XXXX XXXX stating that my credit had dropped by 28 points due to Portfolio. Once I logged in I saw Portfolio and I got very confused cause I've never heard of this business before and neither have I ever spoken to them. I'm extremely upset about this because Portfolio didn't even notify me of this matter and I got attacked on credit score for it. I had to call myself to verify what the debt is about and what the debt is once my credit report got updated. I had to be the one to reach out to figure out what the report on my credit score was. One we figured out I settled the account and I paid it off and now it's all clear and settled but it's still showing on my credit report. It's a closed matter but for whatever reason they still didn't updated my credit. 

I tried contacting the company all day and no response and no pick up. I left an email with all the info for the payment that has been made and hopefully I'll get to hear about it then but I doubt it cause this seems to be a pattern with portfolio not just with me but other clients who I have read negative reviews on different reporting sites. I want this payment and the closed matter updated on my credit score especially since they are totally messed up for not even notifying me of this debt. 

I only found out about this debt in XX/XX/XXXX and it's XX/XX/XXXX now and It's already paid off and we settled it. I was on top of this and I need them to be on top of this also. I called last week to ask to speak to a manager and I asked him why I've never received communication about the debt weather its phone or mail and he couldn't ' even answer me as to why that happened and went to on to continue talking about totally something else disregarding whatever I had asked. I will be visiting legal options for this fraudulent activity. I do believe creditors need to notify you as soon as the debt is owned by them and I've never received such notification from Portfolio. 

I want my credit report to be updated since I have paid the full amount we settled all at once and this account is now closed. The final payment has been made. Debt creditors usually buy debts for pennies for dollar and they still don't do things right now. I didn't even receive an apology for never notifying me and they couldn't give me an expiation as to why this happened. I reach a bunch of reviews online from different costumers experiencing the same issue. 

THE BALANCE AS BEEN PAID OFF IN MY END AND I WANT THIS REMOVED FROM MY CREDIT ASAP. THIS DEBT IS PAID OFF. UPDATE MY CREDIT RIGHT AWAY THIS MATTER IS CLOSED AND SETTLED.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: LDF Holdings, LLC
State: OR
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
Called their customer service phone number Tuesday XX/XX/2020, XXXX, to change the dates which my payments would get withdrawn from my account as it would overdraw my account since I just started a new job. The customer service representative told me steps to go through to change the autopay functions via the website and those steps were nowhere to be found. I am now over {$600.00} overdrawn from this company and another. I really just want the XXXX Covid stimulus bill passed through Congress.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04
Company: EQUIFAX, INC.
State: MD
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:
I am in disagreement with the items listed which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies and Misleading False Reporting are highly injurious to my credit rating.

All was Disputed on XX/XX/2021 No was not Taken

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've been making payments to my account since the opening of my loan in XX/XX/2018. My payments are due the XXXX of each month for {$920.00}. I noticed that the month of XXXX on my credit report that it shows I am 30 days late. I am not currently 30 days late and on my report it states my status was updated on XX/XX/2018 but my payment is due XX/XX/2018. I contacted XXXX XXXX XXXX ( XXXX ) via the phone to speak with someone but the Manager was extremely rude to me. The Manager even told me if I can not afford the car then return it. I then wrote a 'Good Will '' letter explaining my situation. I explained that I recently went through a divorce and I've been having competing personal priorities. But I have been making my payments within the 30-day time frame. I knew that I was not 30 days late and I was even having problem with their phone system when making my payment. I spoke with another representative and was advised to use the online site to make another payment. I was assured my account was in good standing. After getting the alert I missed a payment with XXXX I immediately reached out to dispute this claim. This 30 day late payment is gravely affecting my credit and even through my divorce I've worked hard to maintain my credit status. As a consumer I want to make sure I can trust my lender to practice fair practices.

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 2018-09-21
Company: EQUIFAX, 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:
I've been making payments to my account since the opening of my loan in XX/XX/2018. My payments are due the XXXX of each month for {$920.00}. I noticed that the month of XXXX on my credit report that it shows I am 30 days late. I am not currently 30 days late and on my report it states my status was updated on XX/XX/2018 but my payment is due XX/XX/2018. I contacted XXXX XXXX XXXX ( XXXX ) via the phone to speak with someone but the Manager was extremely rude to me. The Manager even told me if I can not afford the car then return it. I then wrote a 'Good Will '' letter explaining my situation. I explained that I recently went through a divorce and I've been having competing personal priorities. But I have been making my payments within the 30-day time frame. I knew that I was not 30 days late and I was even having problem with their phone system when making my payment. I spoke with another representative and was advised to use the online site to make another payment. I was assured my account was in good standing. After getting the alert I missed a payment with XXXX I immediately reached out to dispute this claim. This 30 day late payment is gravely affecting my credit and even through my divorce I've worked hard to maintain my credit status. As a consumer I want to make sure I can trust my lender to practice fair practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Not converting trial my modifications into permanent loans Most loan modifications begin with a three-month trial period. As long as I makd timely payments during that trial period, the loan modification is supposed to be converted into a permanent loan modification. Servicer failed to convert my trial periods into permanent modifications.Billed me out side the XXXX the entire modification process, although I was given a trial payment which I fulfilled the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: EQUIFAX, INC.
State: PA
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 am writing to dispute the fraudulent items from my credit report. These accounts that are listed on my credit profile are charges that I did not make. I reported this to the Federal Trade Commission, and I attached a copy of the Affidavit to this complaint. Please be advised that the unverified items remain on my credit report. I have yet to receive documentation from the original creditors to verify that the information is mine and is correct, which is required by law. Since I have not received any documentation from the original creditors please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21
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:
I've been making payments to my account since the opening of my loan in XX/XX/2018. My payments are due the XXXX of each month for {$920.00}. I noticed that the month of XXXX on my credit report that it shows I am 30 days late. I am not currently 30 days late and on my report it states my status was updated on XX/XX/2018 but my payment is due XX/XX/2018. I contacted XXXX XXXX XXXX ( XXXX ) via the phone to speak with someone but the Manager was extremely rude to me. The Manager even told me if I can not afford the car then return it. I then wrote a 'Good Will '' letter explaining my situation. I explained that I recently went through a divorce and I've been having competing personal priorities. But I have been making my payments within the 30-day time frame. I knew that I was not 30 days late and I was even having problem with their phone system when making my payment. I spoke with another representative and was advised to use the  online site to make another payment. I was assured my account was in good standing. After getting the alert I missed a payment with XXXX I immediately reached out to dispute this claim. This 30 day late payment is gravely affecting my credit and even through my divorce I've worked hard to maintain my credit status. As a consumer I want to make sure I can trust my lender to practice fair practices.

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 2022-10-06
Company: MOHELA
State: NE
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:
already filed a complaint forgot to add the second attachment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am a victim of the 2016 " XXXX Data Breach '' identity theft case. 

My SS, driver license information was illegally used to open multiple unauthorized accounts under my name. 

My bank ATM/Debit card was cloned/stolen and was used for unauthorized transactions on multiple occasions. 

For this reason, I was forced to change my cell phone number, close all my bank accounts, notify the IRS, all credit bureaus, and notify the respective authorities. 

I did not authorize any transactions on rafter this date, and I did not authorize anyone else to use my ATM/Debit card in any way. 

I am notifying you, according to the Electronic Fund Transfer Act, and implementing Regulation E, 15 U.S.C. 1693 et seq., 12 C.F.R. 205, of my lost or cloned/stolen ATM/Debit Card and unauthorized transactions. See especially 12 C.F.R. 205.6, 205.11. 

I request that you investigate any unauthorized transactions involving this card, including but not limited to the following : List of unauthorized transactions. 
I am attaching a copy of each of the following documents to this letter : 1. A copy of my Identity Theft Report which includes : my FTC Identity Theft Report IRS Notice CP01 Police Case/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 2020-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX XXXX XXXX University reported to the credit bureau Transunion that I owed {$14000.00}. I took a class at XXXX XXXX in XXXX and my then employer agreed to pay for the class which was {$3000.00}, not {$14000.00}. For one, XXXX XXXX should have either contacted me or the employer for the payment, versus going directly to reporting to the credit bureau. Secondly, the amount reported is fraudulent and I plan to file a complaint with every agency that I can think of. I am beyond frustrated with my experience with XXXX XXXX. I attended school here from XXXX to XXXX pursuing my XXXX in XXXX. Every semester that I would speak with my advisor, new classes would arise that I needed to take in order to receive my degree. Instead of it taking 2 or 3 years, it took me nearly 5 years. Then by the time I did XXXX, I had almost enough classes for a XXXX, but NOT enough classes to sit for my XXXX. This was my sole purpose of pursuing an XXXX, in order to take the required classes to sit for my XXXX. Then, I still had to take an additional class, which brings me to where my employer agreed to pay for the final needed class. I would never suggest anyone to attend ; they are scammers falsely representing a XXXX based University. 
My main concern at this point is to have the {$14000.00} negative, fraudulent activity removed from my credit file immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: CMG MORTGAGE, INC
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
3 years ago and again this year I have had difficulty with cmg financial mortgage company. 
Both times the same exact story I asked to recast my loan by paying a large amount of money I send them the check They cash it A month goes by and I dont hear from them of receive paperwork to sign Money is cleared from my account I call them and get told many things like theyve sent me paperwork of I need to send them copy of check but they dont have proof my check cleared This year, I sent a check XXXX, it was cashed XX/XX/XXXX, for {$150000.00}. 
Its been well over a month, I continue to pay my mortgage, they continue to collect interest on me paying money on my loan but they have my money ... double interest? The only form of communication they allow is email which is when they decide to respond and its always Im sorry, we dont have your money. 
Its the same exact thing they did to me : years ago ... my loan was not originally thru them, they bought out my loan

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I'm not sure where to start with this. I was shocked when I reviewed my credit report and found late payment on this auto loan that was paid in full. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Their investigation did not fix an error on your report

Complaint:
I have submitted a request for validation with Portfolio recovery, send by certified mail, return receipt requested, letter was delivered. 
This is around mid XX/XX/2022. 
I did not get validation data. 
I also have send letters to all XXXX credit bureaus, certified and return receipt. 
requesting verification. 
I did get answers from all XXXX within 30 days. 
They verified and all was correct according to them

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
I have going to this company since XX/XX/XXXX .I have just been renewing the same payday loan that I have always been renewing. The problem is this company keeps pulling my credit profile leaving me with hard inquiries on my report and I have not been asked once could they do it.The most recent was XXXX.I am being turned down for lines of credit do to all of these inquiries on my 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 2021-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Contacted the bureaus multiple times and have been ignored. They have accounts reporting on my report that are identity theft. I also never gave them permission to furnish a report on my behalf. They are suppose to have written instructions from the consumer and they do not have that pursuant to 15 USC 1681b ( 2 ) Permissible Purposes of Consumer Report. Also they have violated other consumer rights. I have filled out a FTC and Identity Theft Affidavit and sent to them and they still have been ignoring my letters. I am demanding that they delete the accounts listed on my attatched letter and I am only giving them 4 business days to remove the items Pursuant to FCRA 605B ( 15 USC & 1681 c-2 ) which states that this information must be removed within four business days of receipt. Or I will be seeking remedy.

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 2021-07-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I HAVE FILED NUMEROUS DISPUTES WITH THE AGENCY CONCERNING THE VALIDITY OF DEBTS PER : Title IV of the Consumer Credit Protection Act. Section 401.

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 2018-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
TransUnion has not corrected the records as per my request in # 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 2018-07-22
Company: EQUIFAX, INC.
State: AZ
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 am a victim of identity theft. The following accounts listed on my XXXX XXXX, Equifax and XXXX credit report is fraudulent, unauthorized and not my accounts : XXXX XXXX XXXX XXXX, Line of Credit, XX/XX/2018, XXXX XXXX XXXX, Unsecured Loan, XX/XX/2018 2018

Company response to consumer: Closed with explanation