BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-18
Company: Collins & Hilton Asset Group, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX and XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: EQUIFAX, 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 {$6800.00}. 
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 {$6800.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-06-25
Company: JPMORGAN CHASE & CO.
State: DC
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have 3 credit cards with Chase. I've never had a late payment or even run a balance. My credit score is XXXX. No criminal record. They have been advertising to me for many months asking me to open checking and savings accounts. So I gave in and did. I switched my direct deposit to the checking account and deposited more than $ 15k into the savings account. I did this because it is the minimum balance to receive the account opening bonus of {$600.00}. 

Suddenly I can't log in to my online account because it is locked. No email, no text, no call, no snail mail. I called multiple times and after getting through they informed Chase has closed my account. No reason. I looked up the reasons they often close accounts  and none apply to me. The deposit came from XXXX XXXX is 100 % legitimate. I moved a couple of weeks ago and the person said maybe they weren't able to verify my address. But I'm signed up for paperless so why would expect mail from them? In addition, I have USPS forward my mail so I could not possibly have missed it. I offered to send my lease agreement or provide other proof of residency and they said no. 

I pointed out that if something fishy was going on and they wanted to stop the relationship they would have canceled my credit cards as well. They said the checking/savings are separate. If that's true then they shouldn't have locked me out of my online account. 

Also, how am I supposed to pay my credit card bill and manage those accounts if I'm locked out? 

They escalated it to the executive office who finally offered to initiate an investigation only after I said I would go public with my complaint. I asked them to email me to confirm the investigation and they refused. They said they do not communicate by email. How does the office of the CEO of a huge bank not have an email account? 

I asked if they can confirm a timeline for the investigation and they refused. They finally gave me a phone #, email, and case number ( below ) to check-in. 

This behavior is abusive and frankly should be illegal. They have XXXX of my money and I have no idea if I'll ever see it again. They said the procedure is to mail me a check within 7-10 days. But they failed to communicate and have been totally dishonest so how to do I know they will follow through? 

I understand mistakes happen but this was completely exploitative and abusive to a loyal customer. Please help me fix this. I want them to open an account with my XXXX and give me the {$600.00} opening bonus they promised. 

XXXX XXXX XXXX Can't give you specific time. Within next couple hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery has placed an account on my credit history for {$450.00} as of XX/XX/2018. I have asked for some form of signed documentation showing were I have an unpaid account with them but they refuse to provide it. This account has been disputed and it continues to report falsely to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
A store credit card was opened under my name and information without my permission. The person was able to make purchases when the card was authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: HYUNDAI CAPITAL AMERICA
State: GA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
I leased a vehicle from Kia Motors Finance in XX/XX/XXXX, i paid over {$3000.00} as a " due at signing '' amount and the lease term was for 3 years and 3 months with XXXX miles. The vehicle was due to be turned back in by XX/XX/XXXX. I returned the vehicle on XX/XX/XXXX in excellent condition ( i have a condition report with pictures done by a licensed company used by Kia ), with just over XXXX miles. I made the agreed on monthly payments of {$350.00} per month for the entire lease period, never late with payments. Now Kia Motors is saying i owe them {$400.00} as a " turn in '' fee and the XXXX cent is for over mileage. The " turn in '' fee is because i did not lease another vehicle or purchase a new vehicle. When i leased the vehicle back in XXXX, i knew nothing about a " turn in '' fee. I spoke to a representative at Kia today name XXXX at around XXXX XXXX  who informed me that the " turn in '' fee and excess mileage cost of XXXX cent could not be waived under any circumstance. At the time that i turned in the vehicle i had just gotten out of the hospital with a XXXX XXXX, and i am still ill and unable to work, this can be documented. I do not wish my credit rating to be negatively affected by this mark, particularly since i have such a good record of making on time payments for the vehicle. I think it is a ripoff for Kia or any dealer to charge the consumer for returning a leased car, simply because the consumer does not choose to lease again or to buy a new vehicle from them, and particularly during this Covid-19 crisis. I am a senior citizen.

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 2019-07-15
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Used the XXXX app on my Wells Fargo online account to send money to someone twice once for XXXX dollars and again for XXXX dollars they werent able to receive the money but Wells Fargo took it out of my account I called Wells Fargo and they summited a claim then sent me a letter saying there not responsible for the money that it was already processed I told them I know because Im the one out of the money but no one received it it should be there responsibility since it was there website I used

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 2020-10-10
Company: EQUIFAX, INC.
State: NY
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 several issues with how the department of education default resolution group is reporting my student loans. 1st the originator of the loan reported it as one tradeline. The subsidized and unsubsidized portions are parts of one agreement and interest and terms were a  package deal. See credit report showing fed loan Servicing reporting ONE tradeline for a to
tal of XXXX  and change.

The depa
rtment of education default resolution group is reporting TWO tradelines that add up to original loan amount. The document attached was found on the Department of Education website and defines some ground rules regarding CONSISTANCY, servicers required to use same basic framework, Borrowers and
creditors will be able to follow payment history easily, even when servicers change ( XXXX XXXX indicates a transfer but does not say to whom ... default resolution group does not indicate it was transferred and even further deliberately disguises it by splitting and giving different account numbers misleading creditors to believe they are 3 unrelated trade lines instea

d of one that was transferred. This is an inaccurate representation of my credit. ) In addition The default resolution group has continued to add charge offs to a closed account! This is against fair credit reporting. If lates do not begin till 120days and closed within one year there could only possibly be 8 charge offs with them. Even if they reported lates or charge offs at 30 days it would be a maximum of 11! See picture showing 32! I believe they are trying to report for time t
hey did not even own the debt! 
XXXX XXXX XXXX reported their own lates/ charge offs. This is double jeopardy.

Retention in NY is 5yrs instead of 7. Please remove. You can verify this with the bureaus directly.

Furthermore I was given an ultimatum to accept a quid pro quo deal. They will only correct how they are reporting if I rehabilitate the loan. I do believe this is against the law. I will file a foil request to get a copy of conversations that representatives made this offer again and again. 
XXXX XXXX ( XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15
Company: Fidelity National Information Services, Inc. (FNIS)
State: NE
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:
Ongoing disputes with XXXX XXXX XXXX previously known as XXXX XXXX XXXX XXXX. My debit check card was used fraudulently in XX/XX/XXXX and XX/XX/XXXX while I was being hospitalized and under my doctors care due to an injury. The fraud was not discovered by me until around XX/XX/XXXX when I was well and able to handle my finances. The fraud was reported to XXXX in XX/XX/XXXX. XXXX wanted me to release my medical records to them in order to verify I was in hospital which I didnt feel comfortable with doing I felt it was unnecessary. My debit card was being used in XXXX and XXXX states which Ive never been. At the XXXX   agreed not to report it on my credit bureau the charge off account but the account has remained on my ChexSystems report. XXXX  has refused to work with me on the dispute and getting the charge off cleared even after numerous phone calls and even with me filing a police report with the police department. I last spoke with XXXX at the midtown hy location in XXXX on XXXX. It was stated by her that there is nothing I can do about the account now because its been past 60 days since the fraud occured. I informed her that the fraud was reported over a year ago and the fact that I was hospitalized and gave her a copy of the police report. At this point it has been almost 2 years and still the account is not resolved even with XXXX having well known knowledge that there were fraudulent charges made on my account. At this point if it can not be resolved with the cfpb complaints, police reports, and identity theft affidavit, I am prepared to take this case to small claims court and sue for fcra violations, since this is reporting inaccurate and fraudulent information to a consumer reporting agency ( chexsystems ) and has been doing so for almost 2 years even after they have knowledge the account was used fraudulently and not by me

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 2019-07-15
Company: CITIBANK, N.A.
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:
On XX/XX/XXXX we made a payment online to Macy 's. We have made payments this ways for many many years. No information or data or account numbers have changed. Macy 's stated they did not receive the payment and subsequently reported to my credit bureau that I was delinquent. We have contacted Macy 's numerous times and escalated the calls and sent emails at the executive level with no resolve. We have provided 3 different types of proof of payment to Macy 's including bank statements, proof of payment from XXXX bank and other bank documents. We are now trying to get a forth document at the request of Macy 's. This is over a {$50.00} payment that was not due until XX/XX/XXXX. Documentation shows that it arrived XX/XX/XXXX. Macy 's still contends after all of this proof that we did not pay and they refuse to update the credit or the 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 2022-08-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit act conversion of the accounts listed below has violated my rights. 

XXXX XXXX XXXX XXXX XXXX {$440.00} Original creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date n/a {$720.00} Original creditor : XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX finance ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( finance ) 15USC1681 SECTION 602 A STATES I HAVE A RIGHT TO PRIVACY. 

15USC1681 SEC 604 A SEC 2 STATES : CONSUMER REPORT AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN PERMISSION.

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 2018-06-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Portfolio Recovery Associates has illegally placed a debt on my credit. I have no knowledge of this debt and I do not have a contract or agreement with this company. This company did not legally provide any written contract information in regards to this debt nore did they contact me in regards to this debt. They have violated my credit rights and need to remove this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Condensed, I had been trying to get my ( as my Husband passed away in XXXX ) loan modified. There were extenuating circumstances, which I have binders full of correspondence from XXXX our Servicer in XXXX, to no avail. We were offered trial periods which were awesome, however after the 2 years the payment increased to more than we were paying upon attempting the modification. My husband was nearing retirement and I was displaced by the Mortgage meltdown of XXXX. I was told they did not care about our aging status, or health issues. During this time our Loan was sold to now Servicer, Mr Cooper aka Nationstar. I personally have gone through XXXX, two Brokers, myself, and another/current Gentleman to no avail. About 5 years ago I was " forced to accept '' a modification in order to remain in my property and the payment for the next 30 years will beyond affordability, as I am a retired Widow now, for the past 7 years, struggling to make my payment. Our arrearages during that period were added to my loan balance, in a time where everyone was being given modification and no increase in the balance, here I sit. My payment is beyond affordable, and takes most of my income, from my deceased husbands retirement, etc. All I want is my balance lowered to what it was prior to the added arrearages and an affordable payment. But, I was told they didn't care about my reasons, aging, retirement and a predatory loan. I was told because we did not accept the first modification offered to us by XXXX, we would not be considered for lower anything. My husband is now gone, which I told them, was inevitable, and I am alone to struggle until I am gone. I just want help and understanding, which I wait patiently for, as they keep tell the Gentleman working on my loan " we have this new program available ', or that program, but nothing changes for me. Contacting you was recommended by a friend, and I pray this is due to Gods direction and I will finally get relief, that will allow me to continue to stay in my home that is in need of repair, and I have no disposable income to take care of them. I appreciated your understanding and consideration. Although, this is a condensed version, as I mentioned I have notebooks of correspondence over the last 12 years with the Servicers. I did not find out that XXXX XXXX was my Investor until my interaction with XXXX, and they did not help me, as XXXX XXXX, did not respond in any way, shape or form to my dilemma or resolution. We filed BK in XXXX a Chapter XXXX which was discharged in XX/XX/XXXX, however, my statements continue to come over ad " Voluntary '' payment (? ) almost 9 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 several issues with how the department of education XXXXefault resolution group is reporting my student loans. 
1st the originator of the loan reported it as one tradeline. The subsidized and unsubsidized portions are parts of one agreement and interest and terms were a package deal. See credit report showing fed loan Servicing reporting ONE tradeline for a total of XXXX and change. 
The department of education default resolution group is reporting TWO tradelines that add up to original loan amount. 
The document attached was found on the Department of Education website and defines some ground rules regarding CONSISTANCY, servicers required to use same basic framework, Borrowers and  creditors will be able to follow payment history easily, even when servicers change ( XXXX XXXX indicates a transfer but does not say to whom ... default resolution group does not indicate it was transferred and even further deliberately disguises it by splitting and giving different account numbers misleading creditors to believe they are 3 unrelated trade lines instead of one that was transferred. This is an inaccurate representation of my credit. ) In addition The default resolution group has continued to add charge offs to a closed account! This is against fair credit reporting. 
If lates do not begin till 120days and closed within one year there could only possibly be 8 charge offs with them. Even if they reported lates or charge offs at 30 days it would be a maximum of 11! See picture showing 32! I believe they are trying to report for time they did not even own the debt! 
XXXX XXXX XXXX reported their own lates/ charge offs. This is double jeopardy. 
Retention in NY is 5yrs instead of 7. Please remove. You can verify this with the bureaus directly. 
Furthermore I was given an ultimatum to accept a quid pro quo deal. They will only correct how they are reporting if I rehabilitate the loan. I do believe this is against the law. I will file a foil request to get a copy of conversations that representatives made this offer again and again. 
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