BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-04
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
THIS COMPLAINT IS BASED ON THE INAPPROPRIATE DEBT COLLECTION PRACTICES BY XXXX XXXX XXXX IN REPORTING ME TO DEBT COLLECTORS, MOST RECENTLY ONE NAMED 'ERC ' FOR MODEMS THAT I HAVE SINCE RETURNED AND ON TIME : THIS DEBT COLLECTION ISSUE HAS TO DO WITH AN ACCOUNT I USED TO HAVE WITH XXXX XXXX BACK IN XX/XX/XXXX. WHILE I DO NOT OWE THEM, THIS IS IN REGARD TO THEIR RETURN OF THEIR MODEMS. THEY WERE ITEMS THAT I HAD RETURNED ON TIME, BUT THEY SEEM TO NOT HAVE PROPERLY SYSTEMS IN PLACE FOR RETURN AT THEIR WAREHOUSE. SO, THIS ERROR IS PURELY THEIR FAULT NOT MINE. 
I HAVE SINCE RETURNED THESE MODEMS USING THE RETURN SHIPPING LABEL GIVEN TO ME BY XXXX XXXX FOR THIS PURPOSE AND WHICH I HAVE ATTACHED TO THIS COMPLAINT. 
I HAVE RETURNED TO THEM THE 4 ITEMS THAT I HAVE EVER RECEIVED AND SENT BACK, THE SHIPPING LABEL WERE ON THE BLANK SIDE OF EACH FORM. 

FOR WHATEVER REASON I AM NOT SURE, BUT XXXX XXXX HAS BEEN SELLING MY INFORMATION TO COLLECTION COMPANIES ( COPIES ATTACHED ). FIRST IT WAS A COMPANY NAMED XXXX XXXX XXXX XXXX BACK IN XX/XX/XXXX. THIS COMPANY KEPT CALLING ME, SO I CALLED XXXX XXXX  TO DISCUSS THIS MATTER AND UPON THEIR INTERNAL INVESTIGATION THEY DETERMINED THAT I HAVE INDEED MODEMS AND THEY WERE RECEIVED IN THEIR WAREHOUSE. 
THUS, WITH THAT CONFIRMATION NUMBER I CALLED BACK TO XXXX XXXX XXXX XXXX AND TOLD THEM TO CALL XXXX XXXX TO CONFIRM THAT THE DEBT DOES NTO EXIST. THEY PROMPTLY STOPPED CALLING ME OR SENDING FURTHER NOTIFICATIONS. 
I THOUGHT THAT XXXX XXXX HAS FINALLY AMENDED THIS PROBLEM AND PROPERLY UPDATED THEIR RECORDS TO STOP THIS UNJUST HARASSMENTS. NOT THAT THEY APOLOGIZED OR ANYTHING BUT XXXX XXXX XXXX XXXX DID CONTACT THEM AND STOPPED CALLING ME. 
YOU CAN IMAGINE MY DISMAY WHEN LAST MONTH, I RECEIVED THIS NOTICE FROM A NEW COMPANY ERC THAT I OWED XXXX XXXX FOR THE SAME DEBT OF {$310.00} AND I MUST PAY THE AMOUNT BACK. I REALIZED THAT XXXX XXXX STAFF MEMBERS ARE PROBABLY STEALING MODEMS AND DEVICES AND DENYING RECEIPT OF THEM, BECAUSE THESE MODEMS ARE TOTALLY USELESS TO CUSTOMERS EXCEPT TO THEIR XXXX XXXX   ENGINEERS. 
IN ADDITION, I ALSO NOTICED A LOT OF DISCREPANCIES IN THEIR ACCOUNT INFORMATION AND HOW THEY TRIED TO RESTART AN OLD ACCOUNT AND CLAIM THAT ITS MINE AND I MUST PAY FOR IT. 
XXXX XXXX HAS DONE QUESTIONABLE THINGS THAT SEVERELY DAMAGED MY REPUTATION TO CREDIT COLLECTORS. 
IT HAS ALSO VIOLATED MY PRIVACY AND SOLD AROUND MY PERSONAL IDENTIFIABLE INFORMATION, IN VIOLATION OF THE LAW. 
THIS ISSUE NEEDS TO BE RESOLVED ASAP BECAUSE I DO NOT HAVE ANYTHING TO DO WITH THESE COMPANIES THAT ARE HARASSING ME.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25
Company: VIRTUOSO SOURCING GROUP, LLC.
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Debt reported to collections, no attempt to collect a debt. Not enough information to verify where the debt is from and how to repay it.

Company response to consumer: Closed
Consumer complaint received 2017-11-17
Company: EQUIFAX, 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 status incorrect

Complaint:
Credit bureau is in violation of Metro 2 compliance, also FCRA and FDCPA, LOCAL AND STATE CONSUMER PROTECTION LAWS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery Associates is reporting 3 collection accounts on my credit reports. When I disputed them and asked them to provide validation of the debt, they only responded with credit card statements for each account. This is NOT validation that I owe them. They need to provide original signed contracts with the lender or they need to remove the accounts from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
There was a Federal withdrawal which Chase does not know what that is. Taxes are not due till XXXX and I filed extension. Chase closed my account because I asked what this withdrawal was. There also are outstanding charges I asked Chase to remove for a year which go unanswered.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03
Company: Credit Karma, LLC
State: WY
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I filled out a credit app for Credit Karma and it said my information is wrong and that SSN is not mine.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
Company: Navient Solutions, LLC.
State: PA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Navient Loan Servicing is contacting me daily via my personal phone number, my work phone number, my brother through phone, my personal postal mail, postal mail to my work, and my brother 's postal mail in order to collect a debt. In XXXX of 2018, I received mail correspondence stating that if I made 3 payments in the amount of {$60.00} for 3 months in a row, my account would be considered up-to-date. I made the 3 payments and the calls and letters still continue. They called my work phone number on XX/XX/18 wanting me to verify my social security information which I refused to do ( I do not have the privacy to give that information out over the phone at work, plus they should have that information if they are trying to contact me so much, even after I'm doing what they are stating that I should do in their letters to bring my account current. ) I am tired of being harrassed by them for following the requirements set forth in their correspondence with me regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: CAINE & WEINER COMPANY, INC.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Caine weiner is a debt buyer thats trying to collect on a debt that was already removed from my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
A dispute letter was mailed on XX/XX/2020 in regards inaccuracies of the inquiries and the collection account from XXXX XXXX. I did not receive any letter indicating that the information was accurately reported and verified. I sent a 30 day demand letter on XX/XX/2020 informing EXPERIAN that I had not received any correspondence in 30 days and that the reported inquiries and collection account from XXXX XXXX need to be deleted.

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 2020-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my 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 Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I just tried to submit a dispute with XXXX  credit reporting agency. After filling out all the information they would not accept my dispute. I tried to dispute an account .... express next credit card ... that is reporting as delinquent. I purchased something from this company back in XX/XX/2020 I used a gift card they had sent me there was nothing charged to my card. However I received an alert that this account was being reply as delinquent I called customer service today to find out what is going on. I was told yes the gift card covered my purchase and there was a {$8.00} balance showing on my account that accumulated late fees which brought my balance up to {$40.00}. The representative didnt no why I was charged this as well but I was advised pay {$12.00} and she will waive the late fees. I didnt understand why I even had to pay the {$12.00} to begin with but I paid it anyway. Now on my XXXX  report its showing as delinquent. This is not right as it caused my score to drop and they wont let me dispute 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 2020-05-11
Company: General Motors Financial Company, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There are credit inquiries that I did not authorize on my credit report. I have informed the credit bureaus if this that these were not authorized, but XXXX   continues to refuse to remove these inquiries. The inquiries that I did not authorize are as follows : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, GM FINANCIAL  XXXX, XXXX XXXX  XXXX, and XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
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:
Credit bureau is in violation of Metro 2 Compliance, also FCRA and FDCPA..

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 2018-08-05
Company: WELLS FARGO & COMPANY
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: Information belongs to someone else

Complaint:
On XX/XX/2018 I called Wells Fargo credit card department stating they reported a credit card on my credit. I asked them to verify using my social security number if there is a credit card account open, the person stated " NO their was not ''. I expressed that I would like to know if this is part of the class action suit with Wells Fargo accounts being opened without the actual owners knowledge. They then said they will send me to the executive credit card department to investigate. I asked again to the next person, they said " NO '' it was not I asked to get the case resolved as soon as possible. I have been 2 month and no resolution.

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 2016-01-23
Company: WELLS FARGO & COMPANY
State: SC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Being harassed.. phone calls and threats. Told Wells Fargo Dealers services that I was unemployed for 2 months and I will send what I can send. Threats are not the way today treat individuals that have been unemployed. Did n't anticipate being unemployed. Talked to them and told them I will pay what I can pay because for 2 months all my bills are behind and just now getting a job and getting back on my feet.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-20
Company: EQUIFAX, INC.
State: CO
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 submitted claim # XXXX on XXXX-18. Equifax responded to me - received XXXX-18.

Their 4 page response had this at the end. 1. Current address has been added. 2. We have reviewed your concerns and our conclusions are : Your Equifax credit file is currently blocked for promotional purposes. 

I knew before their report that my credit file was blocked. Can they block my file " for promotional purposes ''? If they can do what they want with my file, how can I get it pulled ( deleted ) from them? 

I think this is a regulatory issue. Please tell me how the law and regulations apply to my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
Company: SYNCHRONY FINANCIAL
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 information incorrect

Complaint:
I recently learned that XXXX XXXX on behalf of JcPenney is reporting to the credit agencies that they filed suit regarding my account. At no time have I been notified or was notified that XXXX XXXX   filed suit in XX/XX/XXXX. How can this be if the account was opened XXXX XXXX. This account didn't become late/become a bad account until XX/XX/XXXX according to XXXX XXXX XX/XX/XXXX response ( letter attached - 4th paragraph ) to a another CFPB complaint that I filed therefore why would XXXX XXXX file suit. In addition, there is no information indicating that they filed suit any of the prior complaints that I filed about XXXX XXXX. 

I never received a letter, call and nor was I served regarding this account. 

I want XXXX XXXX to delete their tradeline/public record information from all of my credit reports : XXXX, XXXX, XXXX XXXX and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Capital One XXXX XXXX card is charging me 30.65 APR.

The posted APR on the Capital One website is 24.99.

I'm also being charged a {$59.00} interest rate which is incorrect. The posted rate on the Capital One site shows {$39.00}. 
Thirdly, my rate should be capped at 6 % due to XXXX XXXX service. I have tried for over a year to correct this issue with Capital One with no success. 
The problem started when Capital One purchased XXXX. My original card was with XXXX, which I had no issues. When Capital One purchased it, everything changed for the worse. 
I have other Capital One accounts which are correct, but Capital One refuses to correct this account because they are taking a large amount of money from me each month. I've tried so many times to resolve this issue with Capital One, but it's hard to solve it when everytime I call, I'm speaking to someone in another country that can't speak basic English. This is so frustrating.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-11
Company: WELLS FARGO & COMPANY
State: CT
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I sent a letter to Wells Fargo about a " charge off '' that they are reporting on my credit file. I sent them my account number as it is being reported on my credit file along with my social security number that they have on record asking them to validate the debt that I supposedly owed them. The company proceeded to stall by asking me to fill out paperwork for them to further validate the debt. I sent them another letter in response to their response and they continued to stall. The company failed to mark the account as disputed within the 30 day allocated time frame in which i sent them a third letter asking them to remove the debt from my credit file, because they violated the fair credit reporting act by not marking my account as disputed within the 30 day time frame from receipt of the first letter. They had the account number, my name, and social security number on the certified letters that were sent to them. If their record was inaccurate, they should have removed the debt from my credit report which they have not done. There were 3 certified letters sent to the company and nothing was done about the situation

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 2018-08-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
Capitol One credit card. 
Was a guest at a XXXX for a wedding. My credit card got charged twice for my room. I disputed the charge and Capitol One removed it and had fraud investigate. The hotel claimed I had requested to pay for another guest 's room and refused to sign an authorization. They sent the other guest 's room information and I had never even heard of him. Capitol One put the charge back on my card. I contacted the hotel, who would not return my calls, then filed a complaint with the XXXX. I sent this documentation back to Capitol One and they once again removed the charge and re-opened the investigation. XXXX insisted I offered to pay for this room even though I had already told them I did not and I did not know the person they claim I paid for. At no time did anyone contact this person even though both XXXX and Capitol One had his contact information. Capitol One then put the charge back on my credit card, but they put it on TWICE. Phone calls and faxes have been ignored. No one is returning my calls. I have called the general fraud line and online chatted with customer service. It appears no one is allowed to help me, including taking off one of the charges that was put back on twice. Worst customer service ever.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
TransUnion had a computer breach in their system that violated the rights of their consumers under section 6.11. I have been greatly affected and my score is suffering as a result.This computer glitch which caused all of the inquiries on my credit report to be deleted. However the very next week all of the inquiries were reinserted into my report without prior written notification in direct violation of sec 611 of the fair reporting credit act. I have spoken to several reps of TransUnion and they all acknowledge that the security breach happened multiple times in XX/XX/2016 but they refuse to fix their error in my credit report. I am requesting that the reinserted inquiries be permanently removed from my credit file immediately.

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 2015-06-02
Company: WELLS FARGO & COMPANY
State: MA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Wells XXXX. Still no resolution. Wells clearly accepted a bid from an investor posing as an owner occupant. The property at XXXX XXXX XXXX XXXX, XXXX, NH XXXX was put up for sale as a bank owned property. Wells clearly did not follow it 's own advanced ownership policy and sold a property to an investor who has no intention of living at the property for the next 5 years. I bid over the asking price as a homeowner and was beat out by the investor, who by his own admission to the abutting neighbor, buys houses to fix them up and sell them. No one seems to care. It 's very wrong. This buyer should be fined and Wells should examine It 's process or remove claims of Community and Homeowner Support from it 's website.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation