BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-29
Company: The CBE Group, Inc.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I recently noticed a debt collection agency reported that I owe {$230.00}, CBE Group, for XXXX XXXX. I called XXXX XXXX and they took a while and finally said I probably owe them for equipment. I told them that I have equipment ( modem and router ) but since returning it is such a hassle I planned to just pay for it. They never contacted me or sent me a bill for the equipment. They just sent the debt to the CBE Group. They told me that they sent an email back in XXXX. I have no emails from them. They could have sent me mail, called me, or just taken the money from my account since it had been on autopay previously anyways. 

This is a horrible practice. My credit report has been negatively affected due to their laziness. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: Shellpoint Partners, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
we had a mortgage with XXXX XXXX XXXX it was a baloon and was to be paid off in XXXX. XXXX recommended a refinance, and that new rez was who they recommend, we started the process. the two companies are connected, which we didnt realize. XX/XX/2021 our loan with new rez was conditionally approved. they said you have excellent credit and we figured everything was in the works.documents all signed and sent. since then everything has stalled. So many excuses.first our loan officer quit. covid. tech difficulties etc etc etc. they tell you dont apply for other loans it may affect your loan so we waited. we have a loan number and an account with new rez but still no information.we have called emailed and get no response. XXXX will not take any payments yet they send a bill every month with XXXX and new rez letterhead. new rez c/o XXXX XXXX XXXX now after months of not paying payments they reported it to credit angencies that we are late we have all the payments saved to pay, we want to pay our mortgage, but not anyone in either company is helping us or calling or emailing we feel like they are litterally trying to steal our home PLEASE help us with this stressfull costly situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am being sued in civil court in XXXX XXXX Ohio by portfolio recovery associates. They basically are dragging their feet on providing me any kind of documentation that Ive requested including an affidavit of fraud. The judge in the case has been incredibly kind and generous as far as allowing me the time to pursue all avenues regarding this case however they are not going to allow this to go on forever. Portfolio recovery associates has not responded to my requests for validation of the debt or my requests that they investigate this as fraud. They wont cooperate in any attempts to prove this debt is invalid and fraudulent. They are using the court system to basically force me into paying them for a debt I do not owe by not cooperating in hopes I will give up and pay them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-04
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
My son turned XXXX in XX/XX/2021. He had a XXXX checking account on which I, his father, was responsible individual. It was not an active account but had collected hundreds of dollars of funds that were birthday & holiday gifts over the years from relatives. Upon turning XXXX, his account matriculated into some kind of higher-end Citibank " Priority '' checking account with a ( whopping ) $ 25 monthly service fee. It looks like since his turning XXXX a year ago he has been charged that fee 13 times ( and one was refunded out of courtesy ). When I log in online I can still see the account as I guess I'm still an authorized signer on the account. 

I don't believe Citi has a good process to right-fit customers that become adults in this situation. A {$25.00} fee amounting to hundreds of dollars charged in the last year is unconscionable.

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 2018-04-02
Company: ENCORE CAPITAL GROUP INC.
State: FL
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:
XXXX, XXXX A SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX  FL XXXX TODAYS DATE :XX/XX/XXXXATTENTION DISPUTE DEPARTMENT : XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious XXXX XXXX XXXX  I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
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:
XXXX XXXX. XXXX XXXX, XXXX, CA XXXX XXXX XXXX. XXXX XXXX, XXXX, TX XXXX Equifax XXXX. XXXX  XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX A SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX   XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
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: Their investigation did not fix an error on your report

Complaint:
In XXXX I had a XXXX XXXX  XXXX XXXX account that went into charge off. I settled and paid XXXX XXXX  and received a 1099C tax form for the amount I had saved. To date XXXX XXXX  is still reporting this account as a charge off with the full balance. I have written to them and all 3 credit bureaus in XXXX, XXXX, XXXX and XXXX of XXXX and have received no resolution. The balance needs to be updated to XXXX and reported as a paid charge off.

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 2017-09-19
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a notification that my credit score had dropped. So when I looked at my credit report, I noticed that a negative mark was placed on there from Transworld Systems Inc with an open date of XXXX XXXX for {$600.00}. Stating that the original Creditor is XXXX XXXX XXXX XXXX. This is not my debt. I did n't go to any ER 's in 2017 period.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX XXXX 2017 two certified letters were sent to Portfolio Recovery Associates, which are listed belowadvising you that these two debts were in dispute and I was asking that you please validate the debt. In the letter, I outlined very specifically, what was required to validate this debt. With the primary emphases of a copy of the legal binding contract with my signature on it that says I owe the amounts you are requesting. Unfortunately, you have provided me with no such validation that proves that I owe these two debts or the amounts. At this time, I must ask that Portfolio Recovery Associates provide me with a copy of the original legal contract barring my signature that shows that shows I owe these debts. Portfolio Recovery Associates US Certified Mail XXXX XXXX 2017 ( XXXX XXXX XXXX XXXX XXXX ) Portfolio Recovery Associates US Certified Mail XXXX XXXX 2017 ( XXXX XXXX XXXX XXXX XXXX ) In addition, I have just pulled my latest credit report and have noticed that even though I have disputed these debts. You have moved forward with continued collection activity by placing disputed invalidated derogatory information on all of my three-credit reports. With the direct intent to harm my credit and prevent me from enjoying all the benefits of good credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
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 belongs to someone else

Complaint:
I recently noticed a number of accounts on my credit I do not recognize. I have been a victim of Identity Theft for years. I need these items removed and blocked from reporting again. They are a result of Fraud. 

The items are XXXX  XXXX from XX/XX/XXXX for {$610.00} XXXX XXXX XXXX from XX/XX/XXXX for {$590.00} XXXX XXXX XXXX from XX/XX/XXXX for {$330.00} XXXX XXXX XXXX from XX/XX/XXXX for {$230.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX from XX/XX/XXXX for {$280.00} XXXX XXXX from XX/XX/XXXX for {$520.00} XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX for {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX for {$1400.00} XXXX  XXXX is also reporting as XXXX XXXX XXXX for {$610.00} so it is reporting twice as both an alleged original creditor and a collection agency. They are double reporting and hurting my score even more so because neither are mine. They are fraud.

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 2020-10-29
Company: Experian Information Solutions Inc.
State: MA
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:
Good Afternoon ; I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.

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 2018-07-16
Company: CITIBANK, N.A.
State: NY
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:
I have had a credit card with XXXX XXXX XXXX. i have had perfect credit with them They first gave me a credit line of over 900.00. We always paid on time. Once we had to put tthe amount of XXXX in the mail. I sent a money order in good faith on the XXXX of the month when it was always due by the XXXX. I contacted the company on XX/XX/2018 and told them the money is on the way, Someone ( XXXX ) from the XXXX XXXX XXXX  Dept said we wait for the money order which should be here on time, If not we will credit your account as being in good standings.because you made this phone call to us. To our Dismay they did not keep their word.or agreement. We received a letter in the mail statement that My credit line was being reduced by the XXXX credit bureau from {$900.00} to {$500.00} because of a number of excessive late fees. That is not true. We were never late!. When i called the XXXX XXXX XXXX. i spoke to a young woman named XXXX at ext XXXX she said she understood the problem and then gave me a fax number to the credit dept of XXXX.telling us to make this statement " We are requesting the impact of my credit limit to be reversed and brought back to the original status. unfortunately the XXXX XXXX XXXX dept did not fix this problem nor did XXXX. I feel at this point my civil rights are violated by not only XXXX XXXX but XXXX where there may be some collusion involved

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 2021-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I've been attempting to submit a dispute via the website and the phone but have not had any success. They make it extremely difficult. 

The debt collector is in violation of consumer rights under the FDCPA. I currently have federal charges against the debt collector. 

Please see attached exhibit.

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 2020-10-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I had the XXXX XXXX Mastercard that was converted to Capital One. I was issued a new card when the account converted but I never registered for an online account with Capital One. 

On XX/XX/2020 I made a {$3.00} purchase to keep my account active. 

On XX/XX/2020, my credit monitoring went off with a late payment notification on the card. I searched my e-mail and never received a statement notification nor any late payment notifications. I called Capital One and spoke with a representative who waived the {$12.00} interest charges and late fees on the {$3.00} purchase. I made a payment for {$3.00} ( payment # XXXX ) and then was connected with tech support. 

Tech Support verified that I couldn't have received the statement notification if I wasn't signed up for an online account and advised me to send in a letter to their credit reporting department to resolve the derogatory remark. The technician also signed me up for online account access that day - the e-mail registration is attached. 

I mailed in the letter and received a phone call 5 days later from a representative who had listened to the call recordings and researched the account - but Capital One 's system shows that they did send a statement notification to my e-mail and sent me text messages, auto-dials, and e-mails that my payment was late. I never received any of these communications.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-20
Company: Exeter Finance Corp.
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: Information belongs to someone else

Complaint:
There is an Inquiry on my Credit report that should not be there from a company called Exeter Finance XXXX  that should not be on my credit report. My name is XXXX XXXX XXXX. The person the inquiry is for is someone named XXXX XXXX XXXX!!! I would like this Inquiry removed as soon as possible please! Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
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: Was not notified of investigation status or results

Complaint:
THESE BUREAUS ARE FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION 15 USC 1692e. THE ALLEGED DEBT CAN NOT BE VERIFIED AND I HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS WHICH IS ANOTHER VIOLATION UNDER THE FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: SYNCHRONY FINANCIAL
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I contacted care credit mid XX/XX/XXXXto offer a settlement on my account they informed me it would be charged off sold XX/XX/XXXX ( somewhere around that time ). I offered them XXXX to not continue with selling it they said they would have to review the offer so I called back a few days later and they countered with XXXX. I requested them to send me a letter stating they would settle for XXXX and not be sold they told me they could not offer a letter as being paid but with the recording there is nothing to worry bout then after it was paid they would send a letter out stating settled paid in full and they would not sell. On XX/XX/XXXX I called and paid the XXXX via credit card. My credit was updated and I see that they had indeed sold my account after they specifically said they would not I contacted care credit and filed a complaint and report to be reviewed. I have not received a letter stating it was paid or anything. I feel lied and taken advantage of all at the same time. 
I am requesting for whoever it was sold to not to report it to my credit and for care credit to delete it completely off of my credit due to them not holding up to their end of the deal

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 2021-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX XXXX is reporting different last payment information on each credit report. Creditor is inaccurately reporting the last payments as being on XX/XX/XXXX XXXX Transunion XXXX and, XX/XX/XXXX XXXX XXXX XXXX The last payment I made on this account was on XX/XX/XXXX for {$650.00} via XXXX. Creditor is falsely trying to reset the debt statue of limitations for North Carolina by reporting inaccurate payment information and activity.

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