BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-09
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries present in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least, they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15
Company: Gurstel Law Firm, P.C.
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My pay was garnished by Gurstel law firm on behalf of XXXX XXXX for the full amount of money I owed on a debt from XX/XX/2012. I was out on XXXX during the garnishment period and this money was paid from my XXXX XXXX  XXXX benefits. While I am relieved to complete payments on a debt I rightfully owe, the original creditor is still reporting my account as unpaid on my credit reports. 

I have tried contacting the bank customer service with no success. I also disputed the account with the credit bureaus but they are verifying the debt as accurate. I did not receive a garnishment release although they stopped taking my pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09
Company: CAINE & WEINER COMPANY, INC.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On Caine & Weiner Company Inc. reported to XXXX, XXXX and XXXX I had one account in collections for {$740.00} dollars, I have no knowledge of said account and I do not owe Caine & Weiner Company Inc. anything. This erroneous collection was placed on my credit report without any prior communication ( verbal or written ) and without validation of debt. I had no prior knowledge of this account and I was never informed of this collection account nor have I ever received any correspondence from Caine & Weiner Company Inc. or any other company regarding this account. I never received any information about this account nor was I given the opportunity to acknowledge or dispute the validity of this account. The practices employed by Caine & Weiner Company Inc. is a clear violation of the Fair Debt Collections Act. I am requesting that Caine & Weiner Company Inc. remove this collection account from each of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On XX/XX/XXXX XXXX Chase decided to close my two open end credit cards without my consent or reasonable reason. 
Spoke to supervisors, managers, and lending office reps non can come up with any reasonable reason to close my account down. spoke to the many times which sometimes they'll put me on hold for more then 3hours with no results.

under law 15 US Code 1602 ( D ) ( E ) ( F ) ( J ), Chase, ( corporation ) violated my rights., Note to all I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name and I have been appointed and accept being the executor both public and private for all matter proceedings and I hereby claim that I will D/b/a and auto graph as the agent, attorney in fact, so be it ; Under 15 US code 1602 ( j ) The terms open end credit plan and open end consumer credit plan mean a plan under which the creditor reasonably contemplates repeated transactions, which prescribes the terms of such transactions, and which provides for a finance charge which may be computed from time to time on the outstanding unpaid balance. A credit plan or open end consumer credit plan which is an open end credit plan or open end consumer credit plan within the meaning of the preceding sentence is an open end credit plan or open end consumer credit plan even if credit information is verified from time to time. 
Under penalty of perjury, I swear this account is misleading Only way you can close my account is if its fraud related or i close it down which i did not because i extended my credit to you so im the only one that can take it away by law. 
As a consumer by law these accounts where misleading and discriminating for closing account without my consent or knowledge. 
Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) Felt very discriminated by the Cooperation and its representatives i've spoke to past few days. which violates again Equal CREDIT OPPORTUNITY Act, FCRA, and Truth In Lending Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: Specialized Loan Servicing Holdings LLC
State: NH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Let me begin stating we had Never missed a payment prior to Covid-19. Due to Covid-19 the main provider in the home was furloughed from his position. Around XXXX or XXXX of XXXX we were sent information about rent and mortgage deferment to help those affected by the Coronavirus and accepted that solution. We could be in a better place to make regular payments in XX/XX/XXXX. However, I received a letter indicating we must come up with the entire deferred amount or default. That amount is {$26000.00}. We could not possibly make such a payment. We are asking was that supposed to be the case as part of the covid relief? I XXXX any help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: Ocwen Financial Corporation
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
PHH has proceeded with foreclosure despite the eviction moratorium - The scheduled sale date is XXXX, 2021. 
They deny me of all options to try and keep my home of XXXX. I am a XXXX old single woman with medical issues due to an on the job accident with XXXX XXXX ( currently in appeals court ). 
PHH has added over {$100000.00} in penalties to my loan making it not even worthwhile to sell. Can they do that? Is this negotiable? 
May I ask ... Is there a Mortgage forgiveness program available? And how do I qualify for a modification?

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 2018-09-21
Company: Receivables Performance Management, LLC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Actions taken by Receivables Performance violate the federal Fair Credit Reporting Act and have had negative impacts on my credit worthiness. I cancelled service with XXXX in XX/XX/2017, sent equipment back, but still received bills in large amounts with invalid billing. Issue has since been resolved with XXXX, invalid billing was credited by XXXX and I paid valid charges, attachment, proof of XXXX balance. I contacted Collection Agency, Receivables Performance, who were informed initially that this was not valid, but attempted to collect debt from me anyway and damaged my credit rating by adding to my credit report. I advised them of error, dispute and resolution with XXXX and I requested corrective actions be taken, in the form of zeroing out this balance in their systems and removing this invalid debt from all 3 of my credit reports. Receivables Performance indicated that I still owe {$700.00} and refused to remove from my credit report, despite resolution actions taken by 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 2021-07-02
Company: EQUIFAX, INC.
State: MT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THERE ARE SEVERAL INQUIRIES ON MY CREDIT THAT I DID NOT SUBMIT NOR AUTHORIZE ANYONE TO SUBMIT ON MY BEHALF. I HAVE TRIED REACHING OUT TO THE COMPANIES BUT THEY ALL WERE GIVING PUSHBACK STATING I NEED TO DISPUTE WITH THE CREDIT BUREAUS. THE BUREAUS HAS YET TO RESPOND TO ANY OF MY DISPUTES AND IT HAS BEEN MORE THAN 30 DAYS. I HAVE ATTACHED A COPY OF AN ID THEFT AFFIDAVIT PACKET I FILED. PLEASE DELETE ALL NEGATIVE INQUIRIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I have not got a response from them and its been over 7 weeks. It is my understanding that they are to block fraudulent items in 4 days. they now have multiple violations. See attachments

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 2018-09-21
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit 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 purchased a sofa bed online from XXXX XXXX XXXX/XXXX XXXX  in XXXX of XXXX in the amount of {$2900.00}. The company attempted delivery of the couch in XXXX of XXXX but the couch would not fit on the building elevator so it was returned to the warehouse. From the date of purchase in XXXX until the delivery date I was making payments on this couch. These payments amounted to about {$320.00}. One payment was made on XX/XX/XXXX in the amount of {$200.00} and the other payment was made on XX/XX/XXXX in the amount of {$120.00}. I may have made other payments besides these two payments. 

After dealing with XXXX  XXXX XXXX/XXXX XXXX on the phone I got so exasperated by their incompetence I went down to the local XXXX XXXX XXXX store and canceled the purchase for a refund. The Supervisor at the store canceled the purchase over the phone with XXXX XXXX and requested a full refund. 

When I received my statement from XXXX XXXX   immediately following the cancellation of this order I saw that I was credited back the purchase price of the sofa bed ( {$2900.00} ) but not the payments that I made between the time the couch was ordered and its the cancellation date, these payment were for approximately {$320.00}. 

I contacted XXXX numerous times via the phone in an attempt to resolve this but was met by only extreme frustration. I also filed a written dispute with XXXX XXXX but have not been able to resolve this issue. XXXX seems totally incapable or totally unwilling to resolve this problem. 

I demand the refund in the amount of {$320.00} for the payments I made between the date I purchased this sofa bed and the date I canceled this purchase. 

I have attached 3 XXXX Credit card statements showing these 2 payments ( {$320.00} ) I made and the refund amount ( {$2900.00} ) minus the credit for {$320.00} that I am entitled to.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
I sent a dispute requesting that the account for XXXX XXXX ( XXXX ) that was sold to : XXXX XXXX XXXX XXXX XXXX be removed from my credit report from XXXX, XXXX, and Transunion. The account is past it's time statute limitations of 7 years, it was opened XX/XX/XXXX and last updated in XXXX so the account was not validated, please remove this outdated account from my credit reports

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 2021-07-02
Company: PNC Bank N.A.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Approximately 2 years ago expenses became too much for my wife and I. We could no longer afford utilities, loans and mortgage. I was advised we could vacate the house by PNC, turning it back over to them. After moving out I asked about returning the keys at which time I was told by PNC that couldnt happen. 
I filled out a packet for help with the property and it was rejected because I didnt have all the proof they wanted causing the financial hardship. 
After this I would speak with them and would be advised I could do one thing only to be told that wasnt right. When that person corrected me with new instructions, I would complete them and find out that wasnt correct either.

I finally gave up. I was served foreclosure papers but that has been postponed due to COVID-19.

A few months ago I placed the property for sale with a realtor. There has been no offers made. I contacted PNC again and was advised I could submit for a deed in lieu of foreclosure. When I called a few weeks after that because I hadnt heard back, I was told that I couldnt do that because it was foreclosure already. 
My complaint is that PNC has seemingly been playing games. Every time I call them I am told the previous person gave me bad instruction. The house is not worth what is owed. I have not been advised of a sale date either.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21
Company: Lending Club Corp
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I have two loans with Lending Club : 1. Account No. XXXX 2. Account No. XXXX I made a payment 29 days ( by Certified mail with return signature card ) after initial due date of XX/XX/2018 for Loan XXXX. I have a signed return card with stamped time before XXXX XXXX on XX/XX/2018. They recorded it as received on XX/XX/2018 and they applied the payment to XX/XX/2018 payment and they have recorded that no payment was received for XX/XX/2018 payment. They are reporting falsely and fraudulently to the credit bureau that I am between 31-120 days late on my payment. Their accounting reporting online is unclear for interest calculation and also late payment calculation. They do not mail official payments such as required by every other loan company with the detail information of payments. I am requesting that they provide paper statements as required by every other bank and that they apply the payment they received on XX/XX/2018 to the XX/XX/2018 payment the way it should be. I did not realize until later that this loan company was affiliated with XXXX XXXX whom has been involved in so many fraudulent schemes in many year or else I would have not accepted this loan from this type of affiliated bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
There were two data breaches which included my name, social security, date of birth and all my details. First one from the US Government OPM and the second from XXXX Credit Bureau. 

In XXXX I changed my last name from XXXX to XXXX. 

In XX/XX/XXXX I tried open a checking account with Capital One 360 and to my surprise someone had opened an account in XX/XX/XXXX with my previous last name XXXX. I checked on my fraud alerts from OPM US Govt. and sure enough someone had fraudulently used my data and opened an account and had also tried to get loans from several banks but fortunately all turned the criminal down because I did not have good credit. Someone had stolen my old identity. 

I immediately contacted Capital One to notify them of a fraudulent account about 4 times and also wrote a letter to them providing them copies of old and new identity and they refused to do anything about it. Their final claim was that they only care about the social security number and not about the last name, therefore whoever opened the account is allowed to stay on ( though they are a fraud and criminal ). 

I am left with no choice but to seek your help and I have also enlisted all the available resources in reporting this scam to avoid further harm to my credit. To date nothing has appeared on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21
Company: TRANSWORLD SYSTEMS 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 had several medical bills go into collections XXXX and XXXX of 2018. TransWorld Systems , Inc. sent communications to me advising I had an outstanding balance owned to XXXX XXXX totally approximately {$2600.00}. Upon receipt of their communications, I immediately contacted them and made arrangements to pay the debt over a period of time. They accepted the terms of the arrangements, set the payments up to automatically debt from my checking account and I didnt receive any further communications from them accept to when payment were due. They sent me a note reminding me the payments would be drafted and to make sure the funds were available. After approximately 6 months of making payments they reported the debts to all three credit bureaus as unpaid debts. 
After some back and forth with the TransWorld and XXXX XXXX I learned TransWorld reported any unpaid debt after 90 days. At no time was I made aware that any portion of the unpaid balances would be reported to the credit bureaus. I was under the assumption that as long as I was paying on the accounts they would be considered current as TransWorld ceased all collections activity. It wasnt until after the accounts were reported to the credit bureaus that I was made aware of this important piece of information. I believe this is unfair collections practices. TransWorld should have clearly stated to me at time I made the payment arrangements that any unpaid balances would be reported after 90 days. I have since paid the full balance of the debts owed, {$2000.00}. I am currently disputing the accuracy of the collections matters reported to XXXX, XXXX and XXXX and have requested it be removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
XXXX continues to report incorrect credit information which negatively impacts my ability to obtain credit, rent an apartment of buy a home. XXXX indicates they rely upon XXXX XXXX and XXXX  Credit reports to verify the information they are reporting. XXXX XXXX responded in writing indicating the following accounts are not on my XXXX XXXX Account and not being reported. XXXX has not responded. I am attaching ( 4 ) XXXX provided by XXXX ( Cancellation of Debt ). XXXX admits knowledge of my insolvency. Based on the attached, none of the credit bureaus or XXXX have a legal right to continue misreporting this information. XXXX abandoned all claim and cancelled the debt, as such they are not party to any claim, nor can they report something that is no longer theirs. Yet the reporting persisits. XXXX, XXXX, XXXX XXXX or XXXX, perhaps all are working in concert to deliberately suppress my credit score by reporting false information. Partial Account # XXXX ; XXXX ; XXXX ; XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: DISCOVER BANK
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This collection company has repeatedly called me for months nonstop which is very disturbing. According to 15 USC 1692c, 15 USC 1692d, and 15 USC 1692b 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 A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number

Company response to consumer: Closed with non-monetary relief