BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-12
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
On XX/XX/2018 they contacted my former employer where I have not worked in over a year and they keep calling them even after they tell them I no longer work 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 explanation
Consumer complaint received 2018-10-18
Company: JH Portfolio Debt Equities, LLC
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: Account information incorrect

Complaint:
I settled a debt with a company called JH Portfolio Debt Equities on XX/XX/2018. They proceed to report my balance to the credit reporting agencies as the original balance less the settlement amount rather than {$0.00} as our agreement and the law requires. I am unsure if they did this by mistake or intentionally, but my attorney will follow-up with them when appropriate. 

I filed disputes with all 3 credit reporting agencies on XX/XX/XXXX making sure to submit the settlement letter. XXXX  updated it correctly and quickly ( because it is a proper company ) ... XXXX   did not update it correctly ( I did not contact them yet, but my attorney will 30 days after the dispute date as I submitted the settlement letter and did not have my credit report updated to the correct information ) ... and neither did XXXX ( which I did contact ). 

I called XXXX and spoke to a representative XXXX in XXXX ( a  supervisor ) on XX/XX/XXXX. He proceeded with a line of deceit that goes as follows : ( 1 ) first XXXX claimed my dispute stated I was not the owner of the debt, which is a lie due to my submitting a settlement letter during the process which clearly stated that I was the owner and the debt was satisfied. ( 2 ) then XXXX stated that the letter head did not match the creditor 's name - I explained the creditor ( JH ) used an agency ( XXXX ) to collect the debt, and the creditor 's name ( JH ) is listed on the document as the current creditor. ( 3 ) after the representative saw that on the document, he then claimed that the last 4 digits of the account did not match their files - I only have 1 account from JH on my report and any mistake on their end is not my problem. 

XXXX 's representative was trained to go from one lie to the next in order to retain false information on my credit report. My attorney will be initiating litigation after the 30 day window for disputes is over. In the meantime, I hope this complaint makes it to someone who can do something about it. I am certain this company is committing many violations of the FCRA and other laws, and I pray the Federal government takes appropriate action to civilly and criminally punish this irresponsible company which can not even protect it's own data and carry out its most basic function. 

Thank you.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15
Company: Diversified Acceptance Corporation
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The real reason for this complaint is because the debt collection company 'M Leonard & Associates ' is operating illegally in trying to collect on a debt in New Jersey. Though it is not necessary to have a license in the State of New Jersey to collect, paying a {$5000.00} surety bond is mandatory by all collection agencies operating outside of the state to collect within the state. N.J. Stat. XXXX. XXXX ( XXXX, XXXX through XXXX, c. XXXX ). 
I have verifiable proof that this company has not paid the surety bond & can not legally collect on this debt. I've already contacted the company via email only to be ignored twice.

Company response to consumer: Untimely response
Consumer complaint received 2021-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Please update immediately this is not a dispute. Information has been reported incorrectly. Change my status. I received a letter from XXXX  for all 14 student loan accounts. This has stressful and ruining my life.

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 2022-08-09
Company: DISCOVER BANK
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:
The inquiries and companies listed are unauthorized and unrecognizable. There is now a lock on my credit as well. 
-XXXX XXXX ; Inquiry Date XX/XX/XXXX -DISCOVER FINANCIAL SER ; Inquiry Date XX/XX/XXXX -XXXX XXXX ; Inquiry Date XX/XX/XXXX XXXX ; Inquiry Date : XX/XX/XXXX -XXXX XXXX ; Inquiry Date XX/XX/XXXX -XXXX  XXXX Inquiry Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
My identity has been compromised via the dark web, XXXX  breach and the lost of my wallet. However, after properly reporting this unknown activity, I was also victimized by the 3 major credit reporting agencies by leaving by not honring my first request. Responding that accounts been verified, however As a general rule of law electronic verification can not be accepted as proof. Please remove and block the following accounts. 

1. XXXX  {$1100.00} 2. XXXX XXXX XXXX {$680.00} 3. XXXX XXXX 4. US Dept of Education {$6000.00} 5. US Dept of Education {$3500.00} 6. US Dept of Education {$3500.00} 7. US Dept of Education {$6000.00} 8. 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 2020-10-12
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$520000.00}, {$3900.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- REAL ESTATE LOAN 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$520000.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$3900.00} -This is not my account.

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 2020-05-10
Company: Paypal Holdings, Inc
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter dated XX/XX/2020 from XXXX XXXX , XXXX stating I had a negative PayPal balance of {$6600.00}. I do not have a PayPal account. I have never had a PayPal account. The debt claim is fradulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-19
Company: Affirm Holdings, Inc
State: TN
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:
On or around XX/XX/2021, I submitted a complaint to Affirm about a loan that was fraudulent opened in my name. I received a response the next day from Customer Care that I would need to call and discuss the matter over the phone. After providing all of my information I was informed that the matter would be looked into. On XX/XX/2021, I received an email from Affirm stating, " Based on the available information, our investigation indicates that you are responsible for the loan and payments associated with XXXX ''. I asked them multiple times what proof could I provide as I travel a lot and have no information on the loan, what was purchased, or any information that may have been used for the purchase. I tried reaching out to the merchant but without successfully verifying information on the order they could not help me and directed me back to Affirm who still wanted me to fill out an affidavit but there was nothing I could provide them other that hotel/flight receipts. The email address on the order didn't even match mine nor would they tell me what email was used to place the order. I did not electronically accept/sign any loan terms for this customer in the amount of {$920.00}. Since I would not make payments on this fraudulent loan, it has become delinquent and charge off ( XXXX ) to ta third party collection company, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30
Company: MARINER FINANCE, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
MARINER FINACE IS REPORT TO MY CREDIT REPORT A ACCOUNT THAT DID NOT OPEN. I HAVE ASK TIME AFTER TIME TO VALIDATE THIS ACCOUNT. THIS ACCOUNT NEED TO BE REMOVED FROM ALL CREDIT BUREAUS AS THEY CAN NOT PROVIDE ME WITH ANY SIGN DOCUMENTION THAT I SIGN.

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 2018-10-18
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Company is AD ASTRA RECOVERY the payday loan was PAID IN FULL. The initial loan, according to my credit report, was XX/XX/XXXX. It was a payday loan from XXXX  XXXX XXXX # XXXX in XXXX XXXX. 
Because it was paid. I never received a letter or phone call, EVER. I recently got a home phone number. That's when the calls started. They called my house, told first my XXXX yo daughter that I needed to call them ASAP because they had a warrant for my arrest, and tried to get her to give them my home address. Which of course she didn't. My daughter was so upset. They called right back, my husband answered this time. He asked them, not so nicely.. Who they were and why they were calling. A woman stated that there was someone on their way to my house to arrest me, and she needed to verify my address. He laughed ever so rudely and replied, " My wife works for a XXXX XXXX '' which is true and not to call again. 6 more calls came in bk to bk in a matter of 10 minutes. I work nights so I was asleep, but woke up with the commotion. I called the number that called and was yelled at to give my address. That a process server was on their way with a warrant. I laughed, cause see, I with common sense, know a process server doesn't arrest people for one. For two, I work for a police department as my husband had stated earlier, and one of my XXXX XXXX is to XXXX XXXX into the XXXX XXXX. So I told her that, concluded with, I'll wait for the process server to come arrest me, and disconnected. They placed another hit on my credit report XX/XX/XXXX. This can not be OKAY RIGHT?!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hi, I was actually talking to a representative from Portfolio Recovery Associates and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below. Please remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: Synovus Bank
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:
The inquiries and companies listed are unauthorized and unrecognizable. There is now a lock on my credit as well. 
-XXXX XXXX  ; Inquiry Date XX/XX/XXXX -XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX -XXXX XXXXXXXX ; XXXX Date XX/XX/XXXX XXXX ; Inquiry Date : XX/XX/XXXX -SYNOVUS BANK ; Inquiry Date XX/XX/XXXX -XXXX  XXXX Inquiry Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
Company: Seterus, Inc.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Since XX/XX/2017, I have sent in my normal monthly mortgage payments on time with an additional {$5000.00} or {$10000.00} to reduce my outstanding principal. Seterus has used the additional money, specifically identified as additional principal, for the next month 's monthly payment. After complaining Seterus made the corrections. The next month I sent an additional {$5000.00} for reduce the outstanding principal in additional to the regular monthly payment Seterus than used the regularly monthly payment and the additional payment to reduce the outstanding principal. Seterus then reported that I was late in paying my monthly mortgage payment and charged me a late payment of about {$84.00}. Why does a mortgage company do this even after reporting and complaining about the poor service and incorrect payment accounting. Seterus even had the gall to report that I had to enroll in a special program in order that any additional funds sent to reduce the outstanding principal. I asked where on the contract was this stipulated and why is this not done in writing. 
Seterus even sent me a threatening letter that my credit report would be affected from my late payment. Seterus as a mortgage company is terrible, poorly managed, tries to take advantage of the customers, threatens you with credit reporting when not correct, and is not responsive to corrections.

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: Experian Information Solutions Inc.
State: VA
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:
On XX/XX/2020, a hard inquiry was made on my credit report by the US Small Business Administration Office of Disaster Assistance. I did not, nor have I ever had contact with the US Small Business Administration regarding a loan or for any other purpose. I have not received an explanation when I contact a representative with the 800 number listed on my credit report with this inquiry.

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 2020-09-23
Company: ALLY FINANCIAL INC.
State: NV
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 a car loan with Ally Financial. On or about XX/XX/XXXX, I realized I would be late with my car payment as my business has gone under due to Covid. I called Ally and told them my situation and asked if I could defer the payment. I was told I would have to pay {$840.00} by the XXXX of XXXX in order to get that deferral. They sent me a letter stating such. On XX/XX/XXXX, I sent the required payment, transferred from my bank account. Ally Financial reported my account delinquent to XXXX and XXXX. I called Ally and they said they would leave a note for their supervisor, but I should go ahead and dispute with the credit reporting companies. I disputed with XXXX and XXXX. 

Today, the results came back from experian, and it says after their investigation, they found it factual, however, now it says my payment was late and not only that it says my next payment is late. Today is XXXX XXXX. My payment is not due until XXXX XXXX, I paid them 10 days ago. Although it is not even my due date it has also been reported as late. 

My credit has taken a 75 point hit due to this. I have always had an exceptional payment history and now without income and trying to keep all my accounts up to date, this credit hit is keeping me from being able to advance.

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 2018-06-12
Company: Miller, Stark, Klein and Associates
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On XX/XX/2018, this company called my mother 's house after repeatedly calling her cell phone. The call is a robo message stating " several complaints '' have been filed against me and my " cooperation is required. '' The " complaints '' are apparently but a single debt alleged that I owe. The pluralization of this single incident is intentionally false. Further, the characterization of a debt collection as a complaint and my cooperation being required together would lead any reasonable person to think the caller has some official capacity, i.e., governmental authority. This robo message fails to identify the person or the name of the company that is calling. This same message has been left for many others according to a cursory web search. This call also comes from a spoofed Caller ID number identifying the caller as " XXXX XXXX XXXX XXXX. '' Upon selecting 1, the call is transferred to a woman who gave only the company name. She refused to identify herself, state the nature of the business in which the company is engaged, or the company 's address. I was told to " go to XXXX '' and " do my homework. '' This failure to identify is improper.

This company has never given me written notice about any alleged debt. I do not owe anyone a consumer debt for which payment are delinquent. I believe this company has violated many provisions of Federal law. Additionally, they are not registered to collect debts in my state as Florida requires.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation