BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-27
Company: Maury Cobb, Attorney at Law, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/2021 {$860.00} Fact, Affiant is aware and has proof in attachment labeled exhibit " A '' that XXXX and XXXX  is currently in violation of U.S.C 1692c ( a ) in which any COMMUNICATION WITH THE CONSUMER GENERALLY-States Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


Fact, Affiant is aware and has proof in attachment labeled exhibit " A '' that XXXX, Maury Cobb and Associates, LLC is currently in violation of 15 U. S. C. 1692c ( 3 ) ( b ) COMMUNICATION WITH THIRD PARTIES-Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may not communicate in connection with the collection of any debt with any person other than the consumer his attorney. XXXX and Maury Cobb and Associates, LLC willful violated my rights by non-compliance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This is a complaint being filed on behalf of my mother-in-law who has a credit card with XXXX  XXXX XXXX XXXX through XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, Ohio. According to her, she only used her card for one purchase, which according XX/XX/XXXX or XX/XX/XXXX was for {$1300.00} as of XX/XX/XXXX. However the statement listed her balance as XXXX even though she was paying her bills. After talking with a representative of the credit card company after my mother-in-law gave her permission, I was instructed to send a letter to obtain copy of her payment records to the address above. I sent two letters that has my mother-in-law 's signature -- XX/XX/XXXX and XX/XX/XXXX mailed on XX/XX/XXXX. Payments were included with the first letter and were process according to her next bill. The XX/XX/XXXX, letter was sent by certified mail USPS XXXX and was received. As of XX/XX/XXXX, I have received no response from the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 contacted Transunion multiple times and they continue to blatantly disregard my rights as a consumer by law. On XX/XX/XXXX, I mailed a dispute to Transunion in regards to an account listed on my credit report as XXXX XXXX XXXX XXXX. I have no knowledge of this account and I have requested MULTIPLE times from Transunion, to please send me documentation confirming that the account they are reporting under my social security number is accurate and belongs to me, however all I continue to receive are " Updated '' and " We verified this item belongs to you '' automated letters, and I am highly frustrated with this illegal reporting. I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, XXXX XXXX compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey. I have been disputing this account for many months. I have also disputed this account due to inaccuracies that I have noticed with Transunion and another bureau that this account is being reported to. Again, I have not received any verification of this account, and in addition to this, XXXX was reporting an open date of XX/XX/XXXX however Transunion was reporting an open date of XX/XX/XXXX. As you know, this is not allowed under my rights and also a clear indication that this information was NOT properly verified upon you receiving it. If this is the same account, how is the supposed verified information listed on my credit profiles different from one another? This is not possible and because of this inconsistency, please delete the following account from my credit profile immediately as I have REQUESTED MULTIPLE TIMES. I asked that this account be DELETED, not " updated '' or " verified. '' This is a blatant disregard of my rights as a consumer and this is my last step before contacting the XXXX XXXX XXXX, Federal Trade Commission, and my Attorney General. I sent a follow up dispute letter last month in XXXX and received the same response.

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 2019-04-25
Company: National Credit Adjusters, LLC
State: WV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
These people keep calling 4 or 5 times a day, they say my phone number is not in there system. They can't tell me who the debt is for. This is a business they keep calling. They are rude and nasty and all they tell me is that my phone number is not registered with them, but yet they keep calling 4 or 5 times a day. I don't know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
I had a pre-qualification auto from XXXX XXXX and went a dealership with it and with the preselected vehicle through XXXX XXXX 's website. Upon arriving at the dealership ( XXXX XXXX ), I talked to a salesman, test drove the vehicle and everything. I was not able to leave the dealership with the vehicle that day for some reason with the vehicle and my approval for the auto loan. But I was already approved to purchase through XXXX XXXX. The Manager of Financing wanted to speak with me. While talking with him, I feel as though he was pressuring me to fill out paperwork to look for better interest rates. I filled said paperwork and was called back a few days later, and was told that the said dealership wouldn't be able to offer anything better than I already had approved. Everything was processed and received my vehicle. Later, I started receiving mail from all of these creditors stating that I was denied credit. I've tried reaching to these creditors to get the information as to how and when I gave them permission to run a credit inquiry on my behalf. They all have mailed back saying that it was all verified with that dealership. It's really brought down my credit and I've been fighting this for quite some time now.

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 2017-11-28
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed an account with XXXX XXXX and the credit reporting agencies several times. I have requested information relative to this account, including documents bearing my signature that serve as proof of the account belonging to me. XXXX is not authorized to collect debt in my state, and therefore, I have not only requested proof of this debt being valid ( NOT billing statements ), but proof that they are legally authorized to collect debt in the state of Georgia and have not received either. I have received one statement showing a balance of {$1700.00} and an account number with no proof that this is an account that I indeed own.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
Equifax is reporting incorrectly that I am 90 days past due on XXXX XXXX partial account number XXXX. ( Please see page 9 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My money was removed from my bank account from debt collector saying I owed for a credit card that I never applied for, they freezed my bank account, and took my money out my account that I received from workers compensation, I told them I have not applied for any credit cards don't know if some one else used my info but it wasn't me, check my account again today and money from my paycheck has been removed! Got a letter from my bank saying my account was levy they freezed XXXX then today it's another {$300.00} taken out my account!! I don't owe money too any credit card company how do I get my money back and how do I sue these people! I have bills, rent, car notes too pay and there taking my money! This was on XX/XX/2019 the amount of money was {$2100.00}, the company Midland Funding LLC

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-28
Company: JPMORGAN CHASE & CO.
State: MA
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:
Chase automatically signed me up for paperless billing in late summer XX/XX/XXXX. However, the email address they had on file was incorrect, and they never sent me an email to confirm my email address. I had been paying the same minimum amount required for many months. Chase changed this minimum amount, but never notified me. No email ( since they had the wrong address ), no phone call, no text, no physical mail. I then continued to make the minimum payment I had made previously, but Chase started hitting me with late fees, interest, etc, which I was unaware of. I checked my credit score in XX/XX/XXXX and this was the first time I realized Chase had been hitting me with these fees. I tried to work with them, but they refused to take off more then one month of late fees. The worst part of this was that my credit score was severely impacted due to my Chase account being considered " delinquent, '' and my other creditors drastically reduced my credit limit causing my severe financial issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06
Company: ID Analytics, Inc.
State: MO
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:
My name is XXXX XXXX and I have been a victim of identity theft. There are accounts on my credit report that is wrong and that was not opened by me. My credit information was stolen and someone took my social security card and personal information and opened up accounts. 

My social security number is XXXX. 
My date of birth is XX/XX/XXXXI want to dispute all information on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: NVR INC.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
NVR Mortgage at XXXX XXXX in XXXX North Carolina, the company are holding the keys to my home. The closing has been recorded, the money has been wired and they are refusing to answer my calls. XXXX in the office stated I just dont want to have nothing to do with this they are holding the keys because of my color. They have showed complete racism toward me. They purposely made this experience difficult for me. I have documentation to prove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: SUNRISE CREDIT SERVICES, INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Ive received calls in the early morning especially on weekends. I also receive calls after XXXX XXXX. 

Calls average out to 10 times a day. 

I dont know they call, they refuse to leave messages. 

When I do call back its a machine.

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 2019-04-25
Company: Convergent Resources, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
IN THE PROCESS OF FIXING MY CREDIT I SAW I HAD A DEBT FROM XXXX WHICH WAS {$550.00}. ON XXXX REACH OUT TO THE COMPANY WHO'S NAME WAS ON THE REPORT WHICH WAS ( CONVERGENT OUTSOURCING ) SPOKE WITH SOMEONE WHO TOLD ME I COULD PAY A SETTLEMENT PRICE OF {$200.00} DOLLARS IN WHICH I DID BY GIVING MY CARD NUMBER OVER THE PHONE. I ASKED WHEN WOULD I RECEIVE A LETTER SAYING I PAID THIS BALANCE AND ALSO A REFLECTION ON MY CREDIT REPORT. I WAS TOLD IT WOULD TAKE 24-74 HOURS TO SHOW ON THERE SYSTEM AND 3-5 BUSINESS DAYS FOR A EMAIL TO COME SHOWING I SETTLED THE DEBT AND MY CREDIT REPORT TO BE UPDATED. I HAVE CALLED SEVERAL TIMES STATING I NEVER RECEIVED A EMAIL AND THE PAYMENT WAS TAKEN OUT MY ACCOUNT AND IM STILL TOLD ITS SHOWING ITS ON THE WAY. ITS XXXX STILL NO EMAIL ITS STILL ON THE WAY AND MY BALANCE STILL SHOWS A BALANCE OF XXXX BUT THEY SAYING ON THERE SYSTEM ITS SHOWS PAID IN FULL.

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 2019-04-25
Company: JPMORGAN CHASE & CO.
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:
Chase Card partial account number XXXX***** - is reporting incorrectly to XXXX ; XXXX and XXXX a 30 day late payment in XXXX, 2019. ( Please see page 3 of the attached credit report. ) I receive monthly paper statements however I did not receive this month 's paper statement in the mail. I live in an art district which is primarily the warehouse district - and the mail consistently gets mixed up because there are so many mail boxes and consequently I did not receive this paper statement so I inadvertently neglected to make this payment. This incorrect reporting is harming my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: AES/PHEAA
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:
LOAN OPENED XX/XX/XXXX Dispute resolved ; reported by grantor {$1600.00} {$3500.00} Last payment XX/XX/XXXX THIS LOAN WAS REPAID BY THE SCHOOL, I NEVER OWED ANYTHING, I HAVE LOAN IS PAID OFF INFORMATION. BUT XXXX XXXX IS STILL REPORTING TO MY CREDIT REPORT NEGATIVITY I WAS NEVER LATE ON ANY PAYMENT, I WAS GRANTED FORBEARANCE UNTIL I GOT THIS ISSUE RESOLVED 7 YEAR LATER THIS IS STILL HAUNTING MY CREDIT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
As of XX/XX/XXXX Chase Bank did a reversal for the amount of {$1400.00}, which was temporary credit, until the investigation was completed. I filed a claim for items on a purchase on a checking/debit account and I did not receive from the seller involved in the purchase. Chase of course contacts the seller involved in the purchase and the seller provided false information from the carrier that was supposed to deliver but the seller used XXXX XXXX to ship as " No Signature Required '' and I did not have an option to request signature. I contacted the seller and the carrier involved, filing claims from both  parties and resulting unsuccessful. Given the false information from the carrier and lack of proof in delivery, Chase proceeded to agree with XXXX XXXX 's response. I have receipt of the purchase made online and the proof of delivery for the online purchase and the seller and carrier must have records of my complaints and phone calls made since XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-25
Company: Io, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In late XXXX of XXXX, I noticed several open and reporting accounts on my credit report that I never received any notices about. During the process of investigating these debts, I sent a Debt Validation letter to XXXX XXXX   XXXX. This letter was dated the XXXX of XXXX, XXXX, and was received by a XXXX XXXX XXXX on the XXXX of XXXX, XXXX. It is now the XXXX of XXXX, XXXX. After almost three and a half months, this debt collection agency has had ample opportunity to not only respond to my request, but to investigate it themselves and, as my Debt Validation letter stated, cease reporting on the account until all investigation is complete. When I originally reported this in XXXX of XXXX, this account was supposed to be closed, and no longer reporting to any credit bureaus, as this was not a debt that could be validated. As of now, XX/XX/XXXX, this account is still open, amassing interest, and reporting to the credit companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Entered into a loan forgivness program with navient andthey did notinform at the timei needed to renew the program every year. So now itshows on my credit report 90 to 110 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had a Capital One Credit card acct # XXXX The card was stolen and used without my permission while I was in the hospital I reported the Fraud on XX/XX/2018 As a result of the Fraud Capital One closed my Credit card As my right, I am requesting the complete UNREDACTED investigation file and any other information Capital One used or referenced as reasons to close my account. Per my right under the Fair Credit Billing Right Act & ECOA. 
If for any reason Capital One attempts to refuse this report it will be clear they are doing so to protect themselves of wrong doing. It is a long established fact innocent people or entities do NOT hide facts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have a Chase XXXX XXXX card. I use this card make purchase through XXXX only. Last XXXX found nine fraud transactions, total amount {$600.00} on my monthly statement. I got take cared when I first disputed them. Then I closed that card and replaced by a new one. After more than two months those nine transactions posted on my account again. Then I made many calls with Chase Customer Service, Chase dispute Department and Chase Fraud Department. I told them I didn't make those purchases and I don't want to pay them. But the issue didn't get resolved. The Fraud Department didn't do any investigation with this criminal. They just keep sent me letter and repeat the same wards " Our latest review confirms the previous finding that the transaction is valid. You are responsible for paying the amounts in your account ... '' They didn't ask the merchants to show the receipts with original signatures. I went 8 merchants, except for the nine 's, it was too far away. I got two receipts with fraud signature on them and faxed to both dispute department and fraud department. They just ignored those evidence and insisted to let me to pay the whole amount. How can the related department of Chase doesn't help the card holder? What they did just damaging card holder 's credit and reputation of Chase, and just favoring the criminals.

Company response to consumer: Closed with explanation