BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-23
Company: CL Holdings LLC
State: WV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received notification through credit monitoring that a debt collection from Jefferson Capital Systems was reported on XX/XX/XXXX in the amount of {$700.00}. It originated from XXXX. I called the company and learned it was from XXXX XXXX, had been turned over to debt collection in XXXX of XXXX, and was being pursued for collection with a letter having been issued in XX/XX/XXXX. They can not tell me what the debt is for aside from a phone number not used by any member of our household unless it was a hotspot number. I called XXXX XXXX on a local level. The manager could not, nor would assist. I called XXXX XXXX 's billing department. They could not, nor would assist, aside from providing me with this telephone number for resolution. I called Jefferson Capital Systems again. No assistance, but did file the account as disputed. I've also disputed with XXXX  and XXXX. 

I left XXXX XXXX due to billing issues that arose from their change in billing systems in XXXX. It was a widespread issue that affected many. One month your balance is {$0.00}, the next {$900.00} and overdue. I resolved the issue in store, went straight to XXXX with a {$0.00} balance from XXXX XXXX and terminated my services. The store manager was directly involved and knew I was terminating the account due to the lack of reliability and best business practices of the company. I've also reported to the XXXX. Note, the company 's score is 1.9 of 5 with hundreds of complaints registered. 

After six years of having no issues, no contact, and no supporting evidence of the debt owed, I believe this is just shy of criminal behavior. I would like this removed from my credit report immediately. Not listed as a charge off. Dismissed. Erased, Gone. 

The staff of both the collection agency and company are of no assistance and can provide no details. Again, the contract was terminated in XXXX after having been a customer since XXXX. I have maintained the same cell number throughout the years, and continue through today. 

Also, I will note that during Covid, I was being called and harassed by credit card collections for accounts not even in my name. They were calling me due to an old residence that my husband and his cousin had shared in the past. Because companies could not reach the cousin 's wife, they were calling myself and my son for information. I've never even met this woman. 

It makes this recent collection all the more suspicious and unnerving. Therefore, I've locked my credit in fear of fraudulent activity. This is impacting my ability to apply for a job. Quick resolution is of the essence.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: Sa-Vit Enterprises, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
1. Savit Collection Agency ( 2 ) amounts reported {$300.00} & {$200.00} 2. XXXX XXXX XXXX reported {$170.00} 3. XXXX XXXX Solutions reported {$55.00} I have previously disputed to all ( 3 ) credit bureaus of the above stated amounts that is wrongfully reported on my credit report. All of the accounts are related to medical services related to tests, etc.. I did not approve of these services that was given to such agencies that was outside of my medical insurance company 's network. These types of unresolved issues with the doctors office should not be a part of 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 2021-09-21
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
My student loans were in forbearance during the months of XXXX and XXXX of XXXX as well as XX/XX/XXXX. However, XXXX is still reporting these loans as late to the credit agencies. 

I have repeatedly disputed this by providing documentation to serve as a justification for my claim. Recently, in a letter dated XX/XX/XXXX ( that I did not receive until XX/XX/XXXX ), XXXX has responded that " after their investigation, they will not be removing the late payments. '' This is an unfair and illegal business practice as the information that they are providing to the credit agencies is incorrect ; they refuse to change the information even after being provided documentation to support my request of removing these late payments. XXXX 's inaccurate reporting has negatively affected my financial status and has caused me to unnecessarily lose money in the process.

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 2020-11-12
Company: Commonwealth Financial Systems, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Company is trying to collect a debt thats been added to my credit history more then once and Ive informed them I want that fixed before paying the only one instance of debt I owe, they call a few times a week. They called two days in a row XXXX and XXXX to give a example of the frequent calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: JDJ Investments, INC.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I monitor my credit report constantly. On XX/XX/2018 I sent a letter of validation to the company called CBS Collections in XXXX, LA asking for proof that I have a debt with the company. They send a piece of paper with my name typed and a dollar amount stating I owed money. I submitted a complaint XX/XX/2018 about this company on Consumer Financial Protection Bureau and receive invalid response stating there is no company with the name. There is no occupational license for operation for this company in the state of Louisiana. I have no acknowledgment of this account and ask for removal from XXXX and XXXX credit bureaus.

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 2018-08-27
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Problem with personal statement of dispute

Complaint:
Despite two written requests, Capital One unverified item remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent re-investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). 
This is a request of PROOF OF CONTRACT to substantiate your claim. Therefore, youll need to provide me with a CERTIFIED copy of an authenticated original contract with my signature ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed. 
Specifically Naming " Capital One '' as an entity entitled to enforce a commercial claim against me. 
This debt is considered to be invalid until I receive proper validation and your office provide proof of claim of the disputed debt. Your offices have 30 days to produce the required documentation in accordance with FTC guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: Express Recovery Services, Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Express Recovery is reporting a debt on my credit file that I do not owe. I recently checked my credit file and noticed this debt. I called and paid it immediately. I never received any phone calls, notices, or letters for this debt which violates my 30 day right to dispute. If I would of know of this debt I would have paid it off ASAP to avoid collections on my credit file. I need these collections removed from my credit file.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: EQUIFAX, INC.
State: CA
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 NEED THE CFPB 'S HELP. I 100 % feel neglected by XXXX, XXXX, and Equifax. I have sent all of them a letter including all the accounts that were unverifiable, invalidated, inaccurate, and questionable. I still have yet to receive a response.It 's been over 60 days. I need the accounts to be deleted immediately. All three bureaus are in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
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 ATTACHING A COPY OF A POLICER REPORT FILED AS WELL AS MY CREDIT REPORT. I DO NOT RECOGNIZE THE ACCOUNTS LISTED IN THIS REPORT AND FOR THAT REASON THEY SHOULD BE REMOVED DUE TO IDENTITY THEFT. THESE ACCOUNTS ARE PREVENTING ME FROM PURCHASING A HOME AND MY LINE OF WORK REQUIRES A CLEAN CREDIT HISTORY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-15
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I was never late with on any payments with XXXX XXXX, It has a XX/XX/XXXX late payment reporting on my credit report on all 3 bureaus. I have been a loyal customer since XXXX. I never had a history of late reporting, however there is a history on my reporting XX/XX/XXXX which I dispute. I never disputing XX/XX/XXXX because I thought it was a oversight. The one from XX/XX/XXXX it really seriously affecting me!!!

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 2018-03-15
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I was never late with on any payments with XXXX XXXX, It has a XX/XX/XXXX late payment reporting on my credit report on all 3 bureaus. I have been a loyal customer since XXXX. I never had a history of late reporting, however there is a history on my reporting XX/XX/XXXX which I dispute. I never disputing XX/XX/XXXX because I thought it was a oversight. The one from XX/XX/XXXX it really seriously affecting me!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Three credit bureaus are together not improving my credit score all account has been paid off and charge off which means no further interest charge on them. 

Kindly remove all the old and relevant information from my credit report and please help me to get a better picture of my credit health.

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 2020-11-12
Company: CITIBANK, N.A.
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: Public record information inaccurate

Complaint:
I began the application process to refinance my mortgage through my local credit union in early XX/XX/2020 and was denied due to there being a foreclosure being reported by Citimortgage on the very property that I still reside in. However that reporting is not listed nor mentioned in any of the 3 credit reports available to me. ( XXXX, XXXX  and XXXX  ) The credit union stated that they could not disclose where the report was received from. The loan officer suggested that I take the issue up with Citimortgage. I called XXXX  by phone and they could not locate a reporting of the foreclosure. 

In addition to all of this my ex wife was denied on a mortgage application of her own due to the foreclosure appearing on her credit report as well. Upon calling Citi and being directed to an automated message to mail or fax a dispute to them. I faxed the attached letter to them on XX/XX/2020 with no response whatsoever.

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 2021-03-12
Company: CL Holdings LLC
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I disputed a collection on XXXX  in letter below which was notarized and sent certified mail, about an unverifiable loan Jefferson Capital. keeps putting on my credit report. I requested they verifiable documentation from this company that I have an account with them i.e signed contract with my signature.And if this info cant be verified be removed from my credit report. According to the Fair Credit Reporting Act, SECTION 609 ( a ) ( 1 ) ( A ), you are required by Federal law to verify through the physical verification of the original signed consumer Contract any and all accounts you post on a credit report. Otherwise, anyone paying for Your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( an original Consumer Contract with my Signature.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-23
Company: Receivables Performance Management, LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I can provide detailed information via phone but basically I had a package deal I signed up with XXXX XXXX in 2018. That year my only child passed away and I had contacted the company modifying my package because uncontrolled circumstances. Currently I am being collections by XXXX XXXX for over {$300.00}. I have never dealt with them so had no idea of acct. 
Basically I am being tossed back and forth between these " two affiliates " because of an acct that I was told XXXX XXXX failed to handle properly. I've spent days on the phone and have been told I'd receive a check in the mail for over payment and that XXXX XXXX would contact XXXX XXXX to update them and remove collection charges.its been over a week and now when I call they don't know what I'm talking about. I feel like im being taking advantage of and i have hit a dead end. Please help me resolve this problem so that I can move forward with my life. 
Thank you

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 2018-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I was never late with on any payments with XXXX XXXX, It has a XX/XX/XXXX late payment reporting on my credit report on all 3 bureaus. I have been a loyal customer since XXXX. I never had a history of late reporting, however there is a history on my reporting XX/XX/XXXX which I dispute. I never disputing XX/XX/XXXX because I thought it was a oversight. The one from XX/XX/XXXX it really seriously affecting me!!!

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 2020-09-15
Company: Receivables Performance Management, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have been a very loyal customer to XXXX for many years and having purchased, leased many phones going back about ten years. On XX/XX/2020, I called XXXX customer service and inquired about what I had to pay on the lease phone to close out the lease payment on the phone, a XXXX XXXX XXXX, and was told by a female representative, that {$290.00} was the final payment, calculated at {$25.00} per month. Please check the phone recording. What happened to my account being paid in full? I called in XX/XX/2020, and was told I still owed a {$200.00} balance, which was a different story. I never really got a bill from XXXX, which solidified that I owed nothing, but yet they sent me to a collection agency with attempts to ruin my credit, stating a balance owed was left. This is fraud and deceptive business practices. When I paid off the bill of {$290.00} in XXXX, that was a contractual agreement that the bill was paid in full and I owe nothing.

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 2018-03-15
Company: Rocket Mortgage, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XXXX I had an initial discussion with an agent from Quicken Loans. During our discussion, I told the agent that I was interested in having an introductory conversation about refinancing my home loan. He asked to look check my credit, and I said ok. I figured since this was an early conversation only a soft pull to see my scores would occur. I was not under the impression this would be a hard pull on my credit report. As it turns out it was a hard pull and was reported to XXXX XXXX. 

I had a conversation with the same agent on XXXX and told him I was not ready to move forward as I mentioned on XXXX and I wanted to wait for my current mortgage statement. 

On XX/XX/XXXX my credit was pulled again by Quicken Loans without me being aware. This time it was pulled and reported to all three credit burrows. 

On XX/XX/XXXX I checked my credit report and saw all of this information and my credit score took a hit for 6 points. 

I feel that it should have been disclosed from the start what pull would be occurring on my account. If I would have known it was a hard pull, I would not have continued any conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: BARCLAYS BANK DELAWARE
State: MA
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:
I have the JetBlue mastercard through Barclay 's and enrolled in autopay that normally goes through on the XXXX or XXXX of the month. On XX/XX/XXXX, I was reviewing my bank account to ensure all direct payments were made and sufficient balance remained, no transfer to Barclaycard was evident. 

I logged into my online jetblue/barclay portal on XX/XX/XXXX and found that I had a {$29.00} late payment fee charged. I immediately paid the full balance as of the last statement cycle. I then called Barclay 's and after a long time on hold, was told the problem was on their and and that the late fee would be removed ( it was ). 

I don't think anything else until XX/XX/XXXX when I find that my bank account has now had 2 withdrawals for the full balance, causing my balance to fall too low to cover needed payments. I called Barclay 's and was told they best they could do was send a check within 7 business days. Upon speaking with a manager, I was told he would try to expedited this delivery time, but that ACH would not be an option. 

Will update with actual time money was not in my account.

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 2017-11-17
Company: NCB Management Services Inc.
State: LA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXX XXXX and NCB financial have been harassing me about a vehicle I no longer have. This vehicle was stolen and was paid off by my insurance company in XX/XX/XXXX and they are still harassing me for {$4500.00} which Im not paying because I dont owe this debt I no longer have the vehicle ... they are repeatedly reporting this to credit bureaus monthly. Im not paying or liable for something that was stolen from me and paid for by the insurance company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This account is currently showing 30 days late for the month of XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.

Company response to consumer: Closed with explanation