BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company calls 6 times a day from different phone numbers all over the country. 

I have asked them to stop but they call non-stop. 

The people are extremely rude. 

It is PURE harassment, I have ask repeatedly not to be contacted by this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-24
Company: Lending Club Corp
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I opened a personal loan with Lending Club ( Loan # XXXX ) on XX/XX/XXXX. 
I made an additional payment to the principal via check on XX/XX/XXXX. This payment was credited solely to interest, despite being properly identified as a Principal Only payment, and per the Lending Club published FAQs. I contacted Lending Club via email multiple times to correct the error, and received no response. On XX/XX/XXXX, I contacted Lending Club via XXXX, and was promised the payment would be corrected and applied as of XX/XX/XXXX. This would take 5-7 business days. 
On XX/XX/XXXX, I logged back in to see payments made on XX/XX/XXXX, and XXXX, XXXX were reversed and reapplied on XX/XX/XXXX. Also a payment made to Principal only on XX/XX/XXXX, was credit to interest and principal. 
I contacted Lending Club and was told the following by their General Payment Customer Service contact center agent who identified himself as Judge : Lending Club will not provide Payment Statements to customers The information on my Payment History online is incorrect Lending Club will not provide a corrected version Lending Club will not send me an email saying my account information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-01
Company: WINN LAW GROUP, APC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received a letter form WINN Law Group dated XX/XX/2017. It stated that the creditor ( XXXX XXXX, XXXX Case Number : XXXX ) referred the debt ( {$6700.00} ) to WINN Law Group for collection. There was an attached showed the Assignment of Judgment from Superior Court of California XXXX XXXX County, District. ( Please see Attached : WLG 1st Letter ) I have wrote a letter to WINN Law Group asked for further verification because I believed that I have no responsibility for this debt and the person under the Judgement was not me. 
WINN Law Group sent me a second letter dated XX/XX/2017 with more evidences such as the debtors social security number, date of birth and address. Obviously, none of these was match my identity. I wrote a second letter to WINN Law Group convincing them that I am not a person responsible for this debt they have a mistaken identity and asked them to remove my name from their record. Please see Attached : WLG 2nd Letter ) Yesterday, I have received a letter from XXXX County of California Clerk-Recorder to inform me that a lien has been claimed by WINN Law Group against my property. Please see Attached : Lien )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
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: Investigation took more than 30 days

Complaint:
XX/XX/2021 To : Trans Union Supervisor, Legal Department XXXX XXXX XXXX XXXX, IL XXXX VIA U.S.P.S. TRACKING : XXXX Re : Failure to conduct a reinvestigation ; request for damages under the FCRA To Transunion, On XXXX XXXX, I mailed a letter disputing inaccurate or incomplete information contained in consumer reports compiled, maintained, and published by you allegedly concerning regarding the following accounts : 1 ) XXXX  Card XXXX 2 ) XXXX  Card XXXX As per U.S.P.S. records, you received my above-mentioned dispute letter on XX/XX/2021. Accordingly, under the FCRA, you were required to conduct a reasonable reinvestigation and modify or delete the disputed information as I requested before the end of the 30-day period on the date on which you received my above-mentioned dispute letter. Specifically, you received my dispute letter on XX/XX/2021 ; therefore, your response was due on or by XX/XX/2021 I have allowed for 51 days to pass to account for any delays in mailing by the U.S.P.S., but to no avail, it appears that you have willfully failed to conduct a reasonable reinvestigation and modify or delete the disputed information as I requested before the end of the 30-day period on the date on which you received my above-mentioned dispute letter as required under the FCRA. 

As a result of your conduct as described above, you shall promptly delete the disputed information. 

Be advised, this is not another dispute or opportunity for you to reinvestigate a previous dispute. Your time period to conduct such a reinvestigation has expired and shall not be extended by law. 

Promptly delete the disputed information and send proof thereto no later than 14 days of the date of this letter. Time is of the essence. If you do not timely comply with the requests within this letter, I intend to turn this matter over to a consumer lawyer for consideration of litigating the issue in federal court.

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 2021-05-24
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was the victim of predatory lending scam in 2005. As a result of the high mortgage payments, I fell behind on the mortgage. I was eventually able to refinance the mortgage about ten years ago. I was informed I have no equity in my home, although I have been paying the mortgage for 16 years. I do not understand how this is possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10
Company: WELLS FARGO & COMPANY
State: PA
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: Problem with personal statement of dispute

Complaint:
I have an student loan through wells fargo. Last XXXX/XXXX ( XXXX ), I began the process to consolidate my students loans into one loan. During this time, Wells Fargo frequently sent the wrong forms, or the forms were incomplete ( missing pages ). This resulted in the process taking much longer than needed. I spoke with multiple representatives from the company during this time to get he process completed. In XX/XX/2018, I spoke with a representative about missing paperwork. In early XXXX, I spoke with yet another representative that stated if I had everything in by XX/XX/XXXX, then my account would be fine, and everything would be listed at current and up to date. They completed the consolidation on XX/XX/XXXX. I recevied a notice that 4 of my accounts were being listed as 60 days past due. This had a massive negative impact on my credit score, as well as my husband, as he is a cosigner. It showed that 4 accounts were seriously delinquent. I was assured by more than one agent, during this process, that this would not be the case, due to their issues with their paper work. I called in late XX/XX/2018 and spoke with a representative about this issue showing on my credit as delinquent by 30 and 60 days. The representative once again assured me that these would be fixed and reported to the credit agencies. I then received a letter in XX/XX/2018 stating that they would not be fixing this issue. I then spent months trying to figure out why this was an issue, and why it was still on my account. I spoke with someone from their dispute dept in XX/XX/2018, and requested and investigation be opened, as this information was not correct, and their company reassured me, repeatedly, that this would be removed from both mine and my husbands credit reports. I received another letter 2 weeks later stating that the investigation was complete and no changes were being made. I then called to request the recordings of my phone calls in XXXX and XX/XX/2018. I was never given those, and the company has been less than forthcoming with their information regarding this matter. I have sought legal action at this time, and contact an attorney last week, XX/XX/2018. I have also filed complaints and disputes with all 3 agencies at this time. I have read through a number of similar issues regarding Wells Fargo, and I am more than convinced that they reported this inaccurately, and on purpose, to increase my interest rates. I feel that they do this so that you can't go to another company, since they know they ruined your credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-28
Company: EQUIFAX, INC.
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:
I tried to run my credit to buy a house found out that I have a medical collection shown on Equafix which I dont have any medical collections. Have contacted Equafix but unfortunately after I gave them all my details they said they couldnt access my account so they wont be able to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-01
Company: SYNCHRONY FINANCIAL
State: IN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/2018, my credit limit was decreased. The company, although they did send a letter after the fact, didnt inform me previously. I had a good standing with that account and did not have a late payment. My credit, in which they state it was due in part of, has done nothing but increased. Therefore, I believe the incompetence of the underwriters of this company to lower my credit limit was unnecessary. Originally I had a credit limit of {$500.00}, then decreased to {$360.00}. Now they decreased it to {$260.00}. There is no reason for this decrease. I have called and chatted in, and spoken to a supervisor. They would not get me to anybody higher up on the chain of command.

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 2020-05-12
Company: Terrill Outsourcing Group
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
A individual named XXXX called for XXXX ( Superlative RM ). He asked if I knew an XXXX or XXXX XXXX, I did not. He repeated the question and I answered I did not know them. 

I then asked who was he with, he did not answer, I asked again about relatives of the XXXX '. I asked a second time and he hung up without answering the question of what organization he was with/representing. 

He then called my wife, and when she advised that he had just spoken with me, he hung up immediately before she could ask him who was he with. 

I contacted the company, and filed a complaint with XXXX XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 been asking numerous of times for documents on this account but for some reason have not received it. But credit bureaus come back as being verified how is that? How did it get verified? I have the rights to have it verified with me also

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX  XXXX XX/XX/XXXX XXXX/XXXX  XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX  XXXX  XX/XX/XXXX XXXX/XXXX  XXXX XXXX XX/XX/XXXX These are fraudulent inquiries that I cant get these companies or the credit bureau to remove.

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 2019-03-16
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I keep paying my loan to Navient. In fact more than what is owed. Today XX/XX/19 I was woken up at XXXX XXXX  then they called every hour till I finally answered at XXXX XXXX. When I did they started saying I didn't pay but I had records from my bank I did pay on the XXXX. They looked back and seemed I paid. I asked why they are calling if I am up to date and they couldn't give me a reason. I don't appreciate them calling me that early, plus I work nights and this degree got me nowhere. On top of it I never got noticed that Salley Mae sold my loans to them. This is agrevaiting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On XX/XX/XXXX XXXX XXXX XXXX of Weltman, located in Michigan, XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX got a court located in XXXX XXXX, MI located XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX to issue a subpoena on behalf of XXXX XXXX for which I never had but was closed and paid in full. My identity was stolen in XX/XX/XXXX and unbenounced to me several credit cards were opened in my name and or re-opened which I thought were closed, as was XXXX. 

Subsequently, this Firm, Weltman, stole my social security number in an attempt to collect funds. This firm are known to be scam artists with attorneys on staff. This is all they do. 
Their so-called phone is XXXX. 

This firm is also sending information to a second home, and not my primary residence. 

I have contacted an attorney in New York and have started the process to sue them for stolen consumer information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Equifax is not reporting my XXXX XXXX Credit Cards. I requested XXXX XXXX do a reinsertion of my cards to report to my Credit Reports. XXXX XXXX has tried to do their due diligence my filing a reinsertion on my behalf XX/XX/2020. My cards are appearing on XXXX & XXXX with frequency but not Equifax. When I call them I keep recieving the runaround or given the same number to keep repeating the same frustrating process. My score has tanked 84 Points due to their unwillingness to report correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15
Company: EQUIFAX, INC.
State: VA
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response as of yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) plainly states failure to investigate items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I bought a bike for 30 day trial from XXXX after which I return the bike during the trial. I hadnt received a refund so I filed a claim with the credit card. Now the credit card closed the dispute as they tell me XXXX says they have not received the bike however when I called XXXX they told me the only reason they didnt give a refund was due to the dispute. How XXXX said that yes they owe me the money because indeed they have received the bike.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: EQUIFAX, INC.
State: FL
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:
Please investigate and delete the following disputed accounts that you are showing on my credit report : 1. XXXX XXXX account XXXX 2. XXXX XXXX XXXX account XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX  XXXX account # XXXX 5.  XXXX  XXXX account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: ERC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I checked my credit report and saw an erroneous debt with this company. I do not believe I owe this debt so I disputed it and the results were that it was verified as accurate. They are allegedly reporting 100 % accurate data. Since they have verified inaccurate and erroneous information, they have violated my consumer rights under 15 USC 1681 FCRA and 1692 FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Citibank called my employer over 10 days to verify my employment despite being notified I was employed each time. This caused embarrassment to me, and felt like harassment. I would like the CFPB to investigate if Citibank does this to each applicant or if I was singled out.

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 2019-08-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX sold a Charged off Debt to Portfolio Collection Company. Portfolio is trying to Collect XXXX $ more then the debt owed. This is False This is Fraud. This is against FCRA this is illegal. I demand that this account and all other accounts be verified with my signature on the original contract be presented and the amount owed. Or Delete them immediately. I will follow suit. 
Thank you. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX XXXX {$220.00} XXXX XXXX XXXX {$270.00} XXXX  XXXX {$190.00} XXXX  XXXX XXXX {$830.00} XXXX  XXXX {$300.00} XXXX   XXXX  XXXX XXXX {$1000.00} COLLECTIONS XXXX {$1900.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have credit car issued through Cabela 's Visa. This card had a due date of the XX/XX/2018, that was missed due to illness. The card company issued a late payment fee of {$35.00}. In addition they lowered the line of credit for the card. In doing this they affect a persons credit score and profile. The do this by creating a situation in which the credit is closer to being max out and the percentage is higher causing the credit score to be affected. Make it a double jeopardy event. Now this is not after a 30 day late payment. It is changed the day after or in this instance 6-7 days after the late payment was missed. This takes and places undo hardship upon a customer and causes two penalties related to the single event.

Company response to consumer: Closed with explanation