BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-03
Company: Experian Information Solutions Inc.
State: GA
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 account validation on different accounts from Experian. I requested that they send to me the files they used to verify the accounts and the name of the person they verified with. They have ignored my request on 2 different occasions and continue to send me updates that the account has been verified without proof as required under the FCRA section of 1681 ( a ) ( 4 ), they is negligent noncompliance and a violation of Federal Law. Being that they are unable to verify and send information as to how it was verified it should have been deleted and they refuse to delete as well. I have been sending letters to them since XXXX XXXX, 2017 and it is well over the 30-45 days in which they are allowed to send over the validation or DELETE the item from 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 2021-01-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under Portfolio Recovery Associates. I requested a validation on XX/XX/XXXX as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me nor has any update been made on my credit report to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. As of XX/XX/XXXX I have not received the requested validation in a timely manner according to the Fair Debt Collections Practices Act and I do not believe this account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the accounts and the account continues to negatively affect me. Please strike and remove the account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19
Company: PMAB,LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I found out there was a medical collection ( account XXXX for {$260.00} from XX/XX/2012 ) from PMAB , LLC on my XXXX  credit report that I do not recognize. I tried calling PMAB multiple times and left voice mail messages, but never got a response. I opened a dispute with XXXX  said they reported that the account belonged to me, but I do not know what it is or what it is for, and I still have not been able to get a response from PMAB. I have attached the relevant snippets as supporting documentation. I can be reached at XXXX or at ( XXXX ) XXXX. Thank you in advance, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: Innovis
State: PA
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:
my bank did a hard inquiry on me without my consent XX/XX/XXXX through CBC Innovis. i was not putting in for a loan or credit card. it made my credit score go down. i'm in bankruptcy right now which will be completed in 9 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: EQUIFAX, 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:
I went to help my son get a loan for college and when I spoke with the lady from the bank she told me that I was not able to get the loan right now because of my credit. I really didn't understand how because I don't have credit issues. I went to look at my credit and there is a XXXX XXXX account XXXX and some inquries : XXXX XXXX XXXX EQUIFAX MORTGAGE SER EQUIFAX MTG XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these. I contacted FTC and local police immediately also.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-10
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 is missing that should be on the report

Complaint:
TODAYS DATE : XX/XX/XXXX PLEASE UPDATE MY PHONE NUMBER TO MY FRAUD ALERT : XXXX To Whom It May Concern XXXX  XXXX. XXXX XXXX XXXX, CA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX Have enclosed a copy of two bills PLEASE UPDATE MY CURENT ADRESS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX THESE ARE NOT MY ADDRESEES XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2018-03-29
Company: EQUIFAX, 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 REPORTS AND FOUND FRAUDULENT ACCOUNTS AND INQUIRIES. I ATTACHED MY POLICE REPORT THE CREDIT BUREAUS ADVISED ME TO GET. I ALSO ATTACHED THE FRAUDULENT INQUIRIES SHOWING UP ON MY FILES.THE FRAUDULENT XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-28
Company: AMCOL Systems, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On Saturday XX/XX/2021 we were notified that our account with XXXX XXXX XXXX XXXX XXXX was closed. After inquiring with the XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, we were notified that, although we were set up on a payment plan and making monthly automatic payments as agreed up until XX/XX/2021, the account had been turned over to collections. On XX/XX/XXXX, I contacted the business by phone and was told that the account had accidentally been placed with collections and that their system sometimes does not recognize payment plans if they are set up online. I was also told that the error had been corrected and I would receive a call to re-set up the payment plan and that I would not need to do anything further. We never received a phone call. On XX/XX/2021 we received a letter from a collections agency, AMCOL Systems, letting us know that the account has been turned over to them and we have 30 days to dispute the validity of the debt in writing or judgment will be taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX XXXX XXXX XXXX  : Received a phone call from XXXX from Portfolio Recovery Associates. Supposedly her last name is XXXX. They have identified the wrong person, I owe no doubts to such a company. Asked to be removed from their list.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-10
Company: Ocwen Financial Corporation
State: OH
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
This is my third time filing a complaint with the Consumer Financial Protection bureau I have not received any response from this entity of Government as suggested from a response from the state of ohio attorney generals office I am submitting a final complaint before further actions are taken Ocwen Loan servicing C/O XXXX XXXX foreclosed on my property illegally. XXXX County Court has been a party to these illegal seizures of property for years because XXXX County officers of the court sold tax certificates to Companies that were not legal transfers because fiduciary issues of law were violated and the documents of applications to buy and sell the tax certificates were not legalized by the SEC. I and several other homeowners will be initiating a class action lawsuit against The State of Ohio, XXXX County and The ConsumerFinancial Protection Bureau for Conspiracy to commit Financial Fraud headline news The Big Banks are robbing consumers like XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: Rubin & Rothman, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XXXX  XXXX XXXX  XXXX & XXXX XXXX XXXX added derogatory marks on my credit file in the amount of {$1200.00}. I disputed this claim on ( XX/XX/XXXX ) this is not my debt and fraudulent activity with this account. I've never had a signed contract and /or account with said company. YOU HAVE NOT PROVIDED ME A COPY OF ANY ORIGINAL DOCUMENTATION REQUIRED UNDER SECTION 609 ( a ) ( 1 ) ( A ) & section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with signature on it ) and under SECTION 611 ( 5 ) ( A ) of the FCRA- you are required to " PROMPTLY DELETE all  information which can not be verified. Fast forward to XX/XX/XXXX i was notified by my job that I HAVE A GARNISHMENT against me which is 10 % of my paycheck is being GARNISHED every week. I logged a complain with the CFPB after gotten no response now on XX/XX/XXXX XXXX  XXXX  response is that Rubin & Rothman LLC obtain a judgment against me. Who was served? Not me! 
IF THE ACCOUNT IS NOT DELETED/ Garnishment, I WILL BE FORCED TO CONTACT THE XXXX AND LEGAL COUNSEL TO FILE SUIT.

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 2018-02-07
Company: Experian Information Solutions Inc.
State: CA
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:
Others in Ohio or IA state and in California state frauded using XXXX fraud scams frauding a XXXX truck or car XXXX frauding auto insurance policy and auto Manuels. 

I had worked for a XXXX auto store in XXXX in 1986 time frame.. 

Then all those banking locations in California and Ohio or IA used Autos for sports and sports players accounts and stadium building permits I was always turn down for loans and credit cards and Indiana State is largest steel manufacturer zone for the USA which also build stuff for USA automotive industry as states copied me and my documents and denied me stuff

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 2017-08-03
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
My husband received two credit cards offer from AARP ( through Chase ) on Wednesday, XXXX XXXX, 2017. Both offers were the same, but neither contained the required clearly listed APR, cash advance fee, balance transfer fee, late payment fee, etc. This information is provided on the credit card offer, but in very small print as a footnote to the offer. Most credit card offers, including those I 've received directly from Chase, include a separate Terms and Conditions page which clearly lists this legally required information. I 'm not sure if it 's a violation or just an unfair practice, but I take exception to the way this card offer is hard to understand considering it 's marketed specifically to an older demographic. My understanding of the law regarding fair credit practices is that the separate, clearly readable terms and conditions are required to be included in an offer so that consumers can easily compare and evaluate credit card offers. The law was not followed in this case in a marketing effort toward an older population. That is not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: Ditech Financial LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We were holding " interest only '' mortgage for more then five years and paid monthly charges in amount of {$1300.00} including taxes and insurance ( see attachment ) This is an amount we could afford and we never missed a payment. Our credit history is good.The payment varied each year depending on a rate change but never changed to much. In XX/XX/2018 we received notification from Ditech financial that our program would changed to ARM starting from XXXX and monthly payment will be {$2100.00} ( see attachment ). We can not afford this amount. We addressed the company and spoke to a loan officer XXXX XXXX XXXX # XXXX on the phone regarding possible refinancing with smaller payment charges. We were denied on the basis of insufficient income. 
What is the option then- to sell the house? Why Ditech changes the rate program without our permission? It is going to ruin our budget. 
Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: CORELOGIC 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:
XXXX  XXXX XXXX has 2 Unknown inquiries from XX/XX/XXXX XXXX XXXX XXXX, XXXX has an Unknown inquiry from XX/XX/XXXX XXXX has an Unknown inquiry XX/XX/XXXX Credco has an Unknown inquiry XX/XX/XXXX XXXX XXXX has an unknown inquiry XX/XX/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 2021-01-28
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a credit card with American Express on XXXX2021 and was denied a credit card. This is in violation of The Equal Credit Opportunity Act ( ECOA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: HYUNDAI CAPITAL AMERICA
State: MN
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
XX/XX/XXXX XXXX XXXX Hyundai XXXX overnighted my last lease payment of {$490.00} to Hyundai XXXX XXXX on my XXXX XXXX. 
XX/XX/XXXX XXXX XXXX has evidence of receipt of the payment by XXXX XX/XX/XXXX Contacted XXXX  to verify they received my lease payment. They said they did not and to contact them back in " 2 weeks ''. 
XX/XX/XXXX Contacted XXXX to, again, try to verify receipt of my lease payment. They said they did not and to call them back in " 2 weeks '' XX/XX/XXXX XXXX XXXX obtained proof that XXXX cashed the check XX/XX/XXXX Contacted XXXX to verify receipt of my lease payment. They said they did not. I asked them to verify to see if it was not applied to my XXXX XXXX. They said it was not. They said to call back in " 2 weeks '' but got the name of the person of whom to send a copy of the canceled check to a contact person and email address. 
XX/XX/XXXX Contacted XXXX XXXX to obtain a copy of the front and back of the canceled check. 
XX/XX/XXXX Forward a copy of the canceled to the address provided to me on the XXXX from XXXX. 
XX/XX/XXXX Contacted XXXX to verify they received my email with a copy of the canceled check. They did but would not do anything without " more research because they did not know where it may have been posted to '' - again, they said to contact them in " 2 weeks ''! 
In the meantime, I am getting text messages and late notices from XXXX that my payment is due and still can not get anyone to post the payment they have acknowledged getting for my specific account. 
XX/XX/XXXX Contacted XXXX - again, my payment is NOT posted and they claim they have no record of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: Navient Solutions, LLC.
State: IN
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:
Throughout the couple of years that I have been paying back my student loans with my servicer, Navient, I have witnessed them consistently trying to mislead and deter consumers from making principal payments. There is an obvious effort to thwart early student loan paydowns by making it increasingly difficult and confusing to make principal payments. Initially when I started making payments to Navient, there was an option to apply additional funds to principal or to pay ahead. Then the wording changed so that " principal '' was no longer included, but instead you were given the option to " a ) apply excess funds towards you next payment ( s ) due ( helping to reduce the total cost over the life of your loan ) or b ) be billed for your full monthly payment. You will be required to make a full monthly payment with your next billing statement. '' I found this extremely confusing as to how my payment would be applied since principal and interest were not referenced at all. This is also misleading since option " a '' mentions that it will reduce the overall cost over the life of my loan. Whereas option " b '' ( the principal option ) does not say that it will reduce the total cost over the life of my loan. Then in the last month I am no longer given the option when paying my bill online to apply the excess to principal. I had to search in the Help Center of Navient 's website to discover that any excess funds that I pay will automatically advance my payment due date by the number of full payments that are covered by the extra funds. The only exception is if I am paying more than twice my monthly payment, then I can choose to be billed for my full monthly payment ( aka make a principal payment ). I also discovered in the help section, that the only way that I can make a principal payment that is less than twice my monthly bill, is if I mail in a check with a separate piece of paper detailing my instructions for how I want my payment applied. This feels like a concerted effort to confuse and discourage borrowers from paying loans off early, and to collect as much interest possible by drawing out the life of borrowers loans. I work in a loan department with a large bank, and even I find the information that navient provides about applying payments extremely confusing and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Capital one Bank USA & XXXX XXXX XXXX added derogatory marks on my credit file in the amount of {$1200.00}. I disputed this claim on ( XX/XX/XXXX ) this is not my debt and fraudulent activity with this account. I've never had a signed contract and /or account with said company. YOU HAVE NOT PROVIDED ME A COPY OF ANY ORIGINAL DOCUMENTATION REQUIRED UNDER SECTION 609 ( a ) ( 1 ) ( A ) & section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with signature on it ) and under SECTION 611 ( 5 ) ( A ) of the FCRA- you are required to " PROMPTLY DELETE all information which can not be verified. Fast forward to XX/XX/XXXX i was notified by my job that I HAVE A GARNISHMENT against me which is 10 % of my paycheck is being GARNISHED every week. I logged a complain with the CFPB after gotten no response now on XX/XX/XXXX capital one response is that XXXX XXXX XXXX XXXX obtain a judgment against me. Who was served? Not me! 
IF THE ACCOUNT IS NOT DELETED/ Garnishment, I WILL BE FORCED TO CONTACT THE XXXX AND LEGAL COUNSEL TO FILE SUIT.

Company response to consumer: Closed with explanation