BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom it May Concern, Your firm has failed to send the legally required validation of the following debt : PORTFOLIO RECOV ASSOC XXXX PORTFOLIO RECOV ASSOC XXXX PORTFOLIO RECOV ASSOC XXXX PORTFOLIO RECOV ASSOC XXXX PORTFOLIO RECOV ASSOC XXXX You have sent me  copies of bills that is owned by other companies which is not validation. You have been notified that your actions are detrimental to me and that your firm has violated ( including but not limited to ) the Consumer Credit Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act. 
Your firm knew or should have known that the actions taken against me and the information collected about me was inappropriate and damaging to me. 
Failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. 
Communicated and are continuing to communicate incorrect and defamatory information to third parties including but not limited to : XXXX, XXXX, and XXXX XXXX. 
As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at your firm 's intentional infliction of emotional distress and at the other diminishes of the quality of my life. 
I am now demanding the immediate and complete removal of this trade line from my credit reports ( XXXX, XXXX, and XXXX XXXX ). 
As I am currently attempting to apply for credit, time is of the essence. Please understand that I am extremely concerned about the consequences of the actions your firm is having on my life. Please be advised that, if this matter is not resolved by XX/XX/2020, I will take any and all necessary steps to protect my rights. That is to file a lawsuit against this company. I have already had dialogue with an attorney on my rights. I have every intent to sue if the matter is not taken care of. 
Thank you in advance for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
due to the XXXX data breach I have been a victim of identity theft and also. my identity was stolen during a break in one of the company 's I'm having issues with is Capitol One it was opened XX/XX/2022 for the amount of {$1000.00} I have complained to. the company and the FTC and they refuse to remove this account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11
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:
I have been a victim of inguiry issue

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 2020-07-19
Company: DISCOVER BANK
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I ran into some trouble paying the card due to the coronavirus and now they wont reinstate my card and are saying that its going to keep being periodically reviewed which is complete lies. So they are stealing my money

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12
Company: Southern Auto Finance Co
State: SC
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:
I have a charge off that keeps reporting different amounts to each of the credit companies the account name if safco. I have disputed this account multiple times and nothing seems to be getting resolved and different amounts are still being reported on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: Early Warning Services, LLC
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
on XXXX XX/XX/2023, I sent XXXX $ to a person named XXXX XXXX XXXX ) at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: NAVY FEDERAL CREDIT UNION
State: SC
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: Card was charged for something you did not purchase with the card

Complaint:
I lost the card, and someone used the card to make unauthorized transactions. 

I have never received any merchandise from the card being stolen. I didnt authorize any of the transactions provided on the card. I have no knowledge of who could have found the lost card and used it. The card was not in my possession at the time of the unauthorized transactions. I have never allowed anyone access to use my card. I believe that my fraud claim should be honored due to me having no knowledge of who had the card. I couldnt have used the card myself XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I havent been able to leave my house due to being put on a 2 week quarantine 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  Due to me being isolated, I had even had to miss XXXX/work due XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I should not be held responsible to the unauthorized transactions due to the fact that I had nothing to do with the unauthorized charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: EQUIFAX, INC.
State: UT
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 BELIEVE I have been a victim of Identity Theft. The Items I have identified and highlighted on my credit report in which I sent into Equifax do not relate to any transactions that I have made or have applied for resulting in Fraud creating several errors which have all hurt my credit score I value. I have asked Equifax to Please block, remove or delete this information pursuant to section FCRA 611. Equifax is the reason why this has happened!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: American Accounts & Advisers, Inc.
State: MN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
this collections agency valeted the HIPPA law act I demand that the following accounts be removed immediately Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. Therefore, either provide the requested information or cease your collection efforts and reporting of this account on my credit reports immediately. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: Ocwen Financial Corporation
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: Public record information inaccurate

Complaint:
PHH mortgage is reporting that I have a XXXX XXXX  have never filed a XXXX XXXX and they said that it was open XX/XX/2019 and XXXX on XXXX XXXXI called them and they are trying to put the blame someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
Company: Hollis Cobb Associates
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Invoice never received from originating collector. " Debt '' was then sold to debt collector who uses harassing communication techniques to collect debt that does not even belong to me in the first place. As a consumer, I would like to report XXXX XXXX XXXXXXXX XXXX GA XXXX who insist on violating Fair Debt Collection Practices by attempting to collect a debt not owed. 
XXXX XXXX  XXXX also fails to send written notice about debt and continues to make false statements and representations by harassing consumer with negative and legal action threats. 
Foremost, I do not authorize XXXX XXXX XXXX to continue contacting me and I will pursue legal actions if daily harassment continues to take place.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
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: Old information reappears or never goes away

Complaint:
I contacted progressive insurance about the balance owed in the amount of {$310.00}, and they agreed to waive the debt, stop reporting to the collections XXXX XXXX, and delete the negative trade line.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07
Company: R.M. Galicia, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am in need of assistance ensuring that the the debt collector Progressive Management/XXXX  XXXX XXXX and credit bureau XXXX  abides by the law, in regard to an issue with collection activity on my credit report. After exercising my rights under the FCRA Fair Credit Reporting Act, and countless letters sent certified mail via USPS, XXXX  who failed to properly validate and verify collection activity on my account. Dispute letters were sent directly to the debt collector Progressive Management/XXXX XXXX XXXX on XX/XX/2020 requesting validation of the debt trade line appearing on my credit report. In reference to the dispute letters sent on the date above, Progressive Management provided a response on XX/XX/2020 that attained PHI and HIPAA content pertaining to me without addressing proper validation/verification of the debt. 

Initially I sent the dispute letter to Progressive Management/XXXX XXXX XXXX requesting this validation/verification to further prove the debt was legitimate, which ultimately resulted into a security breach of unsecured PHI. I have no record proving that I have given Progressive Management/XXXX XXXX XXXX authorization to have sensitive information about my personal health concerns, nor has Progressive Management/XXXX  XXXX XXXX provided any such documentation bearing my signature. I then proceeded to send letters to XXXX on XX/XX/2020 disputing the trade lines on my collection report for Progressive Management/XXXX XXXX XXXX in reference to the unverifiable debt and HIPAA violation. A reinvestigation request was made to XXXX, with supporting evidence, to further investigate the HIPAA Violation in which they simply updated as accurate without disclosing any method of verification as requested. On XX/XX/2020 I received an email from XXXX  that the debt was simply updated without any further information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It have been over 45 days and I have not received any response/result from my dispute.

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 2020-11-29
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: Investigation took more than 30 days

Complaint:
I was looking over my credit report and noticed that this company is inaccurately reporting negative items. I submitted disputes over 60 days ago and haven't gotten a response or a solution to my problem! I have attached those letters for confirmation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have attempted several times to get this collection removed that is from Santander Consumer. I have provided them with a FTC Identity Theft form and they still refused to remove this account from my credit file. This is not my account. Please help me to get this item removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On my XXXX  report it shows that I have two mortgages. I have one Mortgage with XXXX XXXX ( XXXX ) who services the loan. XXXX was the originator of the loan. I've called XXXX and they said it should only show one mortgage. But it shows two mortgages with a total of {$560000.00} balance. I have one mortgage with a balance of {$230000.00}. I can't get my home refinance because of this mistake. Need it updated ASAP!! 

Also on my XXXX, I had a personal loan with XXXX XXXX that I paid off in XX/XX/2020. XXXX  and Equifax are reporting the correct information as being closed XXXX balance. XXXX  hasn't updated there report since XXXX and it's now XXXX. They are showing a {$3500.00} balance. Please update ASAP!! 

Equifax is not reporting my mortgage and my FICO score is hurting because of non reporting of mortgage. XXXX XXXX said that they send there updates to all 3 bureaus. Equifax needs to update my report ASAP!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: GOLDEN 1 CREDIT UNION, THE
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2020 I engage with Golden 1 to refinance a loan they currently held. In XX/XX/2020 I raised my concern with the loan officer XXXX XXXX when I noticed property tax request for funds in the refinance at the same time that the original loan was set to pay property taxes. I was very clear that Golden 1 should coordinate as to which loan would pay the property taxes ( between the original mortgage and the refinance ) so as to avoid a double payment. Loan officer XXXX XXXX assured me a double payment would not be made. Golden 1, did in fact, double pay my property taxes ( approximately {$5100.00} out of the original loan, and the second approx. {$5100.00} out of the refinance loan ). Since XX/XX/2020, I have engaged in 36 telephone calls with Golden 1 in an attempt to obtain reimbursement. Golden 1 has provided a variety of responses including certain dates that I should receive reimbursement. All of the dates have passed without payment.

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 monetary relief
Consumer complaint received 2021-02-02
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Navient Student Loan Service reported a balance increase ( interest increase ) during the Federal Covid Forbearance on or around XX/XX/2021 which caused a drop in credit score. There should have been no increase as all of my loans are federal and covered under Covid forbearance prohibiting interest accrual and balance increase. They now will not respond to my contact attempts including email sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19
Company: EQUIFAX, INC.
State: IL
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:
THE ACCOUNTS ARE REPORTING INACCURATELY AND SHOULD BE REMOVED DUE TO VIOLATING THE FCRA ACT!!!! THERE IS NO WAY THESE ACCOUNTS SHOULD CONTINUE TO REPORT INACCURATELY I AM HIGHLY DISPLEASED AND I HAVE NOT GOTTEN ANY INVESTIGATION RESULTS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: Experian Information Solutions Inc.
State: WI
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:
I have reach out to XXXX, XXXX, Experian to investigate the public records each has listed on my credit reports. This items was not reported to the credit bureaus from the original creditors and therefore was not verified through any investigation. I submitted documentation to each of the credit bureaus from the courts stating they DO NOT report to any credit bureaus. 

I've submitted several claims. The last communication was received on XX/XX/21 and the letter I received from them was dated XX/XX/21. Verifying that they verified the claim with the original creditor. I reached out to them to ask whom they spoke with, the persons job title, and phone number they used to contact the Courts and was not provided any of the requested information. 

The credit bureau has been evasive on providing information in regards to their investigating.

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 2023-05-16
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I tried to fix this with XXXX but their verification system is faulty

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19
Company: JPMORGAN CHASE & CO.
State: MO
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:
For the fifth time : UPDATE : Re Chase Letter Dated XX/XX/2018 CFPB complaints XXXX, XXXX, XXXX, XXXX Attached is written authorization to speak with XXXX XXXX and XXXX XXXX. Chase representative previously entered the information on my account from me on the phone and stated this would allow future communication with XXXX and XXXX! 

Your letter regarding XXXX  XXXX XXXX unable to locate account is false. The routing number is used for all XXXX  XXXX XXXX wires. The account numbers are all valid active commercial accounts. These accounts are not mine. 

Your letter regarding XXXX XXXX XXXX customer advised not authorized, Chase failed to follow up to trace the source of the electronic payment just as Chase failed to follow up on the 3 XXXX  XXXX XXXX electronic payments to track down the scammer. 

I am in receipt of the action letters Chase dated XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018 included with your correspondence XX/XX/2018. I have not previously seen nor received these letters. Again, the Notices and Letters on my account show no notices were ever sent! 
Attached is the current Notices and Letters screen shot as of XX/XX/2018 verifying no notices have ever been sent. 

The first action letter from Chase states ; Weve canceled any future electronic payments. Yet Chase failed to cancel future electronic payments. Two of the electronic payments were from the same account at XXXX  XXXX XXXX. 

Further Chase states in the XX/XX/2018 letter ; we reviewed the calls regarding the returned payments. The statements in the paragraph are incomplete and inaccurate. 

Please provide ALL phone conversations in electronic format and in written transcript with me whether initiated by me, by someone else, or by Chase, regarding my account including XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as stated in your letter. 

Remit the balance due me and reverse the scammer transactions per the attached worksheet. Please close the account permanently with XXXX balance. 

Attachments : Privacy Release Authorization Notices and Letters XX/XX/2018 Chase Credit Card Complaint Detail IRS Employment related Identity Theft Notice CC : XXXX XXXX

Company response to consumer: Closed with explanation