BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Several factors like recent past experience. Data Breach, Identity, Theft, Mortgage consumers, disadvantage or loss step 1. what happened, What is this complaint about Harasses, excessive force, XXXX XXXX, false arrests, the fabrication of evidence and the failure to keep from harm terrorized in every name business and personal and proper name. i have ever used, and under many names and accounts invasion under the court- system filed false statements causes the citizens to be terrorized victim of Portfolio Recovery Associates , LLC , the actions of a debt collector pursuing a consumer assumed debt. I have been Portfolio Recovery Associates INC not No license properly EIN/ IRS Tax ID Number/EIN Florida Business are harassment by third party debt collectors. Collector has violated the FDCPA, the collector in filed court case in court. violated the Fair Debt Collection Practices Act passed the statute of limitations in Florida. third-party collectors alleging unfair, Invasion, of privacy deceptive, and abusive debt collection acts and deceptive debt collection practices. Recovery submits that has passed the statute of limitations in Florida to the court or incomplete documents commit fraud copied information and pasted partial accounts to XXXX and senior citizens. Step 2 :  Often, harassing phone calls, then letters and now In the lawsuit Stolen personal information to commit XXXX. The documents letters that Portfolio Recovery mails or submits to the court or produces in discovery are scam claiming I owe Credit debt of incomplete documents copied information. unknown accounts. or don't prove the debt belongs to the person being sued collection agencies suing credit card owners who have defaulted on their debt No way of known How they invade every area of a person creditability. Without producing an in discovery uses Clerks to file are incomplete case and uses services and or don't prove the debt belongs to the person before being sued.in court practices. What type of problem are you having unauthorized personal information under created fabricated accounts don't prove the debt belongs to the me or person being sued. Step 3 : What happened Attorneys file violations of the Fair Debt Collection Practices Act ( FDCPA ), new accounts including improper contact sharing of information. Partial account of stolen information on its own authority. The federal legislation thats supposed to regulate the debt collection industry. They can took over or even open new accounts, Step 4 : What company is this complaint about someone wrongfully obtains and uses another person 's personal data in some way that involves fraud or deception or inaccurate debt postings with credit reporting agencies, Step 5 : Who are the people involved not sure of the Object Constancy,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit 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:
On XX/XX/XXXX my Amazon Store Credit Card was used to purchase two XXXX gift cards, one for {$70.00} and one for {$44.00}. These purchases were reflected on my XX/XX/XXXX statement. I contacted both XXXX and Synchrony Bank, which processes XXXX charges and payments and advised them that I did not make these purchases. On the same XX/XX/XXXX statement I was given credit for these purchases. See the following pdf file. 
XXXX XXXX XXXX XXXX XXXXXXXX % XXXX. 

On my XX/XX/XXXX statement from Synchrony Bank I was again billed for these two transactions. I was advised by Synchrony bank that it believed that I had made the purchases as there was no proof that I did not. Its representative advised me to contact the FTC. I did so and was advised that it could not help me and to contact your agency which I am now doing. I did not make these purchases and should not have been charged for them. Please advise.

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 2021-05-04
Company: JPMORGAN CHASE & CO.
State: NC
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 received a copy of my credit report and it shows company JPMCB CARD account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of XXXX I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 contacted Transunion several times to inform them that this City of XXXX account do not belong to me. Transunion still have not removed this account from my credit file. Please assist me in getting this account removed from my credit file.

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 2023-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 non-monetary relief
Consumer complaint received 2021-07-21
Company: ENCORE CAPITAL GROUP 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:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

3. Identity Theft XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft MIDLANDCRE Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2019-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 requested proper legal documentation from XXXX XXXX XXXX  XXXX XXXX. I HAVE NEVER HAD ANY ACCOUNTS FOR BUSINESS WITH THEM AND I HAVE YET TO RECEIVE ANYTHING THAT SHOWS THEY ARE IN COMPLIANCE WITH FEDERAL AND STATE LAWS FCRA OR FDCPA, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts SECTION ( C ) AND SUBSECTION ( 3 ) I HAVE HAD SEVERAL DUBIOUS AND FRAUDULENT CLAIMS FROM FAKE COMPANIES IN THE PAST AND I DO NO WISH TO BE A VICTIM AGAIN. I NEED THIS ACCOUNT DELETED ASAP. I HAVE FILE A COMPLAINT WITH THE CFPB AND LOCAL XXXX POLICE DEPT

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 2023-07-12
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:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

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 XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-29
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XXXX contacted me and told me that USAA forced them to pay XXXX to them in a fraud dispute that I made for never receiving a package. XXXX contacted the seller 3 times asking them to send me my package or issue a refund. XXXX never issued a refund knowing that I never received the package. My bank However USAA canceled the dispute saying I didnt have a fraud dispute because it was a knowing authorization. So why did USAA fraudulently collect money from XXXX anayway? This stopped me from getting a refund from XXXX and the bank knowingly stole my refund and then cancelled the dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: Meade & Associates, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/XXXX at approximately noon, I was home with my father eating lunch when Meade and Associates called. I am my father 's power of attorney and caregiver. So, after getting his permission, the lady proceeded to tell me that he had a XXXX XXXXnpaid debt from XXXX Health from XX/XX/XXXX. I proceeded to discuss it with her that I had sent them a check and they refunded it back. She explained that he still owed it. In the end, I decided to pay it over the phone with dad 's debit card. I gave her the number and expiration, etc. She told me that the card went through. She then told me that there would be a {$5.00} charge ( fee ) for paying this over the phone AFTER she took my dad 's card number and running it ( bringing this charge to {$15.00}. ) I agreed to this after the fact because she already had my father 's card number and a stop payment is more money and he owed the {$10.00} anyway. At no time was the fee ever discussed before the card number was taken. She had ample time to tell me in advance. She even read dad 's card number back to me before telling me this with a pause. This is underhanded to explain this after the fact even if it just {$5.00}. So, the only reason I am complaining is of this tactic of extracting more money from my father afterward with no explanation beforehand and no offer to explain to us how we could pay it another way to avoid the fee. However we might have felt about paying this 'convenience ' fee, I bet there is some 'law ' or ethical code that they must disclose such fees in advance of running a debtor 's card number. Our phone number is ( XXXX ) XXXX if someone would like to call us about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
Company: CITIBANK, N.A.
State: OR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On or around XX/XX/XXXX I telephoned XXXX XXXX credit and requested to close the account. I also requested the total amount due and paid that amount via a debit card. The representative DID NOT tell me that there was a late fee and did not include that amount in the total amount due. I paid {$160.00} and assumed the matter closed. I never received any communication of any kind from XXXXXXXX XXXX credit. I moved across town but submitted a forwarding request with the U.S.P.S. and all other mail has been forwarded to my new address. 
This matter only came to my attention when applying for a home loan and seeing my credit report. My credit had dropped almost 100 points and this was the only negative item on the report. In XX/XX/XXXX my  score was XXXX, now it is XXXX! 

I feel XXXX XXXX credit intentionally failed to tell me about the late fee when I closed this account and has an internal policy of delaying processing payments in an effort to generate exorbitant late fees. They intentionally failed to make a good faith effort to notify me of the late charge. They have greatly damaged my credit!

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 2021-07-20
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ
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:
There is a mix up of a account that has been placed on my credit profile by Infiniti Financial Services on XX/XX/2020 .Stating that there is a late payment which wasn't. My vehicle was in a accident and was paid off by the insurance policy XX/XX/XXXXinsurance. My account was paid in Full and there is a {$0.00} balance or any late payments at all. This is not a Derogatory account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18
Company: Professional Adjustment Corp. of S.W. FL., Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Professional adjmnt co has an account on my credit that is not mine/inaccurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Ocwen transferred the mortgage to PHH without a principal balance. This is illegal. PHH was to assist with reinstating the mortgage with a modification but efforts have been refused. There was a modification with Ocwen in XXXX on which payments were made from XXXX, XXXX to XXXX, XXXX. No laws were cited by Ocwen when part of the payments were refunded. Ocwen illegally advised their attorney who was unknown, to refuse the modification after 3 months. This is illegal. Attorneys can not make representations about the financial workings of the loan. The attorney stated that a notice of. refusal was sent by email but a copy of that email was not presented because the attorney never sent the email. 
Ocwen accepted the trial modification by implication because Ocwen kept part of the payments. 
Please advise Ocwen to reinstate the modification. Who is supervising Consumers Rights at CFPB? 
Who will defend the Respa Laws which. Ocwen has continuously violated in this mortgage. 
The only way the refusal of the XXXX modification was discovered was in an answer to a CFPB in XX/XX/XXXX. 
Ocwen also admitted that clerical errors were in the modification of XXXX and no monthly payments were established since XX/XX/XXXX so I could not pay on the loan. 
Ocwen admitted that the payment of XXXX, XXXX was not credited correctly. 
This transfer to PHH is the 2nd time Ocwen transferred the loan. 
The first time was in XXXX, XXXX to XXXX but the loan was sent back to Ocwen creating another delinquency. 
The loan was not delinquent in XXXX until Ocwen misapplied monthly payments, failed to correct the mistakes on the XXXX modification after which a monthly amount to pay was never required. 
Even though Ocwen failed to return 5 months of payments on the trial modification of XXXX and 3 months of payments on the modification of XXXX plus all the other errors Ocwen has not credited those monies. The default date goes back to XX/XX/XXXX before the failed transfer to XXXX and before the XXXX to XX/XX/XXXX payments and before the XXXX to XX/XX/XXXX trial payments. This is illegal and outright Theivery. What if CFPB going to do about this? 
XXXX XXXX XXXX Ps. Ocwen created this default. After 225 requests to Ocwen to correct, Ocwen has not responded with answers within 30 days as required by Respa.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: ALLIANT CREDIT UNION
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
A transfer of {$10000.00} was sent to an external account on XX/XX/23. The funds ( {$10000.00} ) were withdrawn from m account at that time. XXXX withdrew {$10000.00} again on XX/XX/23 which caused my account to go into the negative and they charged me a fee ( {$15.00} ). The transaction was labeled deposit adjustment. I have sent multiple messages asking for resolution and it has been over a week since they last responded to me and their system will no longer allow me to send messages. It now generates an error message when I try to message.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: AmeriCollect
State: PA
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:
AMERICOLLECT is trying to collect a debt that does not belong to me. They have also violated HIIPA LAW. I want this debt investigated. I am a victim of having my social security number and drivers license information compromised. I filed a complaint with the FTC as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: Io, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/XXXX, a check was mailed directly to XXXX XXXX. Check # XXXX was dated XXXX and someone from XXXX XXXX wrote on the check XX/XX/XXXX XXXX. [ Please see highlighted & attached ]. The check then cleared on XX/XX/XXXX [ Please see highlighted & attached ]. 

However, on XX/XX/XXXX when I called RMS [ stated they collected for XXXX XXXX ] after them appearing on my credit & affecting my credit score [ please see attached & highlighted ], they stated that they had no payment from me and that a check had bounced in XXXX. 

Despite the check bouncing, another check in the same amount was sent directly to XXXX XXXX and cleared in XXXX of XXXX. RMS stated they would talk with XXXX XXXX and circle back to me despite me sending in all the proof. I also called XXXX XXXX directly and you all claim to have neither receipt of this check nor any idea of what I am talking about. I sent in proof and was told someone would get back with me. We are now a week later and no one has taken the time to get back to me, yet they swiftly affected my credit. 

Today in the mail I receive a letter from RMS stating I owe a debt of {$57.00} from XXXX. How, when I paid {$94.00} and it cleared in XXXX? Furthermore despite the check clearing XX/XX/XXXX, RMS placed this bad debt on my credit report on XX/XX/XXXX. To date, no one has returned my calls or responded to any letters that have been sent. Please advise

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: Experian Information Solutions Inc.
State: PA
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:
Before the coronavirus my credit score was XXXX and after the coronavirus my score went down to XXXX. This is unfair due to the fact that I have not been out of work and I have not stopped paying my bills. Then XXXX reported did I had a 39 % usage on my XXXX credit card XX/XX/XXXX which is absolutely wrong because I have not used that card in months and have continued to pay the bill. This problem needs to be addressed.

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