BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-12
Company: Peterson Enterprises, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Step 1 : What is this complaint about? 

Valley Empire Collections XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, WA XXXX Phone : ( XXXX ) XXXX / ( XXXX ) XXXX Step 2 : What type of problem are you having? 

I have asked via mail several times for Valley Empire Collections to provide supporting documents that show proof I owe money to XXXX. They said there is a judgement against me, first I never had the opportunity to go to court so that in it of itself is wrong that I was not offered a chance to do so. Second, they only issued me statements of balance owing, not the bills themselves that I requested copies of. The XXXX statement they sent me shows 2 separate account numbers for the same address and the same time frame but no monthly bills. I don't want to pay for a bill that I was potentially double charged for. I don't see why it would be an issue for me to see each monthly bill they are claiming I owe for the cycle they are claiming. 

Step 3 : What happened? 

They just reached out to me over the phone at XXXX XX/XX/2019 regarding this debt that initially started out to be {$350.00} and now they are saying it's {$850.00} + due to judgment amount and interest. I informed the person I was speaking to that I've sent them numerous letters ( which he confirmed receipt of ) and that I want a copy of each individual bill for the time period stated of balances owed due to the separate account number confusion. The person over the phone said that since they have a judgment against me that they don't have to send me those. 

Step 4 : What company is this complaint about? 

Valley Empire Collections XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, WA XXXX Phone : ( XXXX ) XXXX / ( XXXX ) XXXX Step 5 : Who are the people involved? 

Valley Empire Collections XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, WA XXXX Phone : ( XXXX ) XXXX / ( XXXX ) XXXX I have contacted XXXX as well but they keep referring me to Valley Empire Collections and say that they can't help me with the billing information I was requesting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 sent letters, along with my identification, and a Federal Trade Commission Identity Theft Affidavit to the 3 major XXXX, TransUnion, and XXXX on XX/XX/2018 and XX/XX/2018 asking that they remove or block all accounts and inquiries that were showing as a result of identity theft.

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 2018-09-04
Company: Ideal Collection Services, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I paid to terminate my lease in XXXX XXXX apartments in XX/XX/2015. My utilities and rent were prorated and paid for as well. Upon correctly terminating my lease, I had my apartment inspected, prior to leaving, and was able to get my deposit back. I am now being charged {$1900.00} for " damages ''. I have spoken with two different angents at the Ideal Collection service, and both of their claims differ as to why {$1900.00} worth of damages accrued. Also, the property listed my reason for moving out was because I owned a pet. I never had a pet and moved out on my own accord. Adding on, I did not live in this unit for two years and should not be charged for a 2 year carpet replacement. Overall, I do not understand how I am being charged for damages when the property personally paid me my security deposit upon after walking through and verifying that my apartment was in good condition. I have been trying contact the XXXX XXXX XXXX XXXX XXXX ( XXXX  ), the real estate company that XXXX XXXX was under, but have been unsuccessful because XXXX XXXX no longer exists and XXXX has false contact information. Because of the various mistakes, I have already disputed this charge. I have also done my research on this leasing agency and have found reports of falsified claim of charges and wrongfully sending charges to collections with others that have leased with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: BBVA FINANCIAL CORPORATION
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
I had my BBVA CARD ONLINE BANK LOCKED ALL BECAUSE THEY SAY I SENT A CHECK SO I TRIED TO DO A FRAUD ALERT TO THE FRAUD DEPARTMENT AND ALL THE CUSTOMER SERVICE REP.THAT HELP ME DIDNT WANT ME TO EXPLAINLIKE SHE KNEW MY SOTUATION AND I GOT UPSET AND I HUNG UP THE PHONE SO NOW I CANT GET ANY FUNDS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Hello, every SINGLE account was closed. All 14 of them. No notice. No phone calls. No level of anything. My accounts are all paid correctly, on time, and I am have extremely low credit utilization and to be told by a customer service agent that I am a HIGH CREDIT RISK does not face muster. I will not pay another single dime until ALL my accounts are promptly reopened. I will retain legal services 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 2020-09-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI
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:
On XX/XX/2020, I received an alert on my smartphone via XXXX XXXX that my Bank of America credit card had been removed. I immediately logged into my BoA account with concerns that there was a security issue. Upon login, I noticed that my credit card account was no longer listed, though I could continue to see my Savings and Checking accounts. There were no online messages and I had received no physical mail regarding my credit line. The balance was {$0.00} upon closing.

Ive made four separate calls to Bank of America to resolve the matter, both to 800 numbers and to my local branch. No one was able to help me and I was told that the card was closed due to inactivity. Again, I received no notice of the closing of the account. I was told that I may have not received notice due to USPS issues, though that would not explain a lack of electronic message. If I had received notice I would have taken steps to use the card to keep it active. My credit score is important to me.

The credit line that was closed had been open for nearly a decade. By closing the account without giving me notice my credit score will take a hit. My hope is that the CFPB can assist me in getting Bank of America to reopen the account. Thank you for your time and assistance.

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 2018-03-14
Company: Bread Financial Holdings, Inc.
State: DE
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 and returned an item to Zales jewelry store in XXXX, Delaware on XX/XX/2018. The return was completed and I have attached the email confirmation showing the credit should pear in 5-7 days. As of today, XX/XX/XXXX, the credit has not appeared. I spoke to Zales customer service on XX/XX/XXXX and was told they never received the item back from the store. I went to the store. The store manager gave the Zales agent the tracking number from XXXX to show they sent the item back to the warehouse. The agent told me she could credit back the item once XXXX confirmed they picked up the package. Now, three business days later, I still have not gotten a response. I dont believe I should not get a credit because of actions the store did or didnt do after I completed the return. Because the credit is not on the account i am being told I need to pay for the item or it will impact my credit. Any help in getting this resolved would be greatly appreciated. Thank you, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-12
Company: Exeter Finance Corp.
State: LA
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:
customer service would not help and take care of the negative inquiries reporting to your credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
This complaint is regarding Experian Credit Reporting Agency. 

In XX/XX/2020 I filed a dispute report regarding missing data on my XXXX XXXX Account for the month of XX/XX/2020. 

I took the appropriate steps and filed an online dispute through Experian services and filed the report with the finance company ( XXXX XXXX ). 

The file and dispute was updated late XXXX ... .HOWEVER the file was updated incorrectly and now reflects additional missing data for the months of XXXX, XXXX, XXXX, XXXX, XXXX. The reports read payments as " no data '' In XXXX, I applied for the XXXX XXXX loan due to Covid related hardships and was denied because of credit. I was told that I could apply again but needed to show XXXX payment and any other additional on time payments. 

I began to make a phlight ( 30+ ) of phone calls both to XXXX XXXX and Experian to drill down on who was at fault and express my sense of urgency. XXXX XXXX 's supervisor and team has handled the matter very professionally calling me back and delivering documents that show proof that they are sending the payment for the " missing data '' months to Experian. 

On XX/XX/2020 I called once again and an Experian supervisor expressed that she saw the payments reported from XXXX XXXX and that it was a " technical '' issue and Experian was at fault. She suggest that I open up a " escalation '' ticket to get the problem resolved within 3-5 business day. After waiting one week with no results, I started to call again and have been yelled at, hung up on and promised that the  problem would be fixed within 30 days. As of today XX/XX/XXXX, the missing data is still reflective on my account and no one at Experian is sure how to fix. 

Experian is liable for negligence and bad faith and fair dealing and damages caused to me because of such.

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 2020-05-04
Company: Progrexion Holdings, Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
1. I signed up with Credit Repair on XX/XX/2020 because I had received notification by email that three late payments had been reported on my credit report. 
2. The day I signed up, I was also informed that XXXX XXXX XXXX also had reported late payments. I was surprised because my account with XXXX XXXX was an older account which I thought was closed. Credit Repair explained that they could easily fix these errors on my report. 
3. On XX/XX/2020, I called Credit Repair to check on progress and to cancel my account because I did not feel I needed them. I was offered a discount because of the Corona Virus, so I decided to stay with them for a while longer. 
4. I received a returned letter from the post office on Saturday XX/XX/2020. The letter was written to XXXX XXXX by someone using my name and social security number. The letter was a single sheet, requesting consideration for a loan but did not include any other information. I did not write the letter however the letter contained information from my credit report. This is scary. 
5. I have reached out to Credit Repair in order to cancel our account. I was advised by Credit Repair to contact Social Security, in addition to making this report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-14
Company: ENOVA INTERNATIONAL, INC.
State: VA
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2018 I sent an email to CashNetUSA revoking authorization to automatically withdraw funds from my checking account. On XX/XX/2018 I received an email confirming that They had received my email. On XX/XX/2018 CashNetUSA automatically withdrawed {$180.00}. I called on the morning of XX/XX/2018 and let them know that the payment was pending and they said that if it went through they would reverse it immediately. I have called 5 times since then and have been lied to about refunding me the money. Ever time I call they apologize and admit their wrong doing but still have not refunded my money. My email clearly stated the revoking of authorization of withdraw from my checking account.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A company named XXXX XXXX, XXXX has been contacting me for over a year, and will not cease telephone calls, despite my requests to do so. 

I do not owe this debt. 

I have no knowledge of this company, nor have I ever dealt with a company of that name.

They call me from different telephone numbers from XXXX XXXX. and throughout the day.

When I ask for contact information or written response, they hang up.

I have {$0.00} debt and all my accounts are in good standing.

This company has reported to the credit agencies and affected my good credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-28
Company: Risecredit, LLC
State: ID
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
SIR IN MID XX/XX/XXXX I TOOK OUT A ON-LINE LOAN FOR XXXX DOLLARS.I WAS UNDER THE IMPRESSION THAT I HAD 48 MONTHS AT {$290.00} PER MONTH, THIS WAS NOT THE CASE AT ALL, IT WAS {$290.00} BI-WEEKLY.AFTER SEVERAL WEEKS PASTED THEY AGAIN TOOK {$290.00} FROM MY BANK ACCOUNT.I THEN CALLED RISE AND TOLD THEM THEY HAD MADE A MISTAKE AND THEY TOLD ME IT WAS I WHO MADE A MISTAKE.I EXPLAINED TO THEM THAT I WOULD LOOSE EVERYTHING IF IT CONTINUED, THEY DID NOT RESPOND.APPROX.3 WEEKS WENT BY AND I APPLIED FOR ANOTHER LOAN TO PAY OFF RISE, AND SENT THEM A CHECK FOR THE LOAN AMOUNT OF {$3500.00} IN WHICH THEY RECEIVED AND APPLIED TO MY ACCOUNT.I THEN CALLED RISE TO MAKE SURE THEY APPLIED THE XXXX PROPERLY AND THEY TOLD ME THE ACCOUNT WAS STILL BEHIND, THEY SAID I STILL OWED XXXX DOLLARS BECAUSE THE CHECK DID NOT GET THERE IN TIME.SO NOT THEY CONTINUE TO ADD EVERY TWO WEEKS {$250.00} TO THE XXXX. 
NOW ITS UP TO {$850.00} AND THEY SAID ANOTHER {$250.00} AND THEY WILL CONTINUE TO DO SO.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
Company: Columbia Recovery Group LLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
We

received notice of collection dat ed XX/XX/XXXX. I called and spoke to a representative onXX/XX/XXXX. We do not dispute the debt but we do dispute the amount. I sent a letter via overnight delivery disputing that amount. I received a letter dated XX/XX/XXXX supposedly enclosing validation of the amount. However, there was no validation of the amount in dispute. I then attempted and left numerous voicemails for, the representative I had been speaking with. On XX/XX/XXXX I spoke with a different representative. I attempted to discuss with her the disputed amount. She refused.

She then proceeded to call me, my husband, my mothers-in-law and my husband 's employer approximately 10 times per day. I spoke with her again today, XX/XX/XXXX. 

She informed me that they have entered judgment against us ( without our knowledge ) and will be garnishing my husband 's wages. I sent a letter today via overnight, return-receipt, stating all future contact must be via mail. That all documentation must show that the amount is disputed and that we will be hiring legal counsel.

Company response to consumer: Untimely response
Consumer complaint received 2021-09-23
Company: LEXISNEXIS
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
LexisNexis has compiled inaccurate information about me and without my consent. They have inaccurate DOB, inaccurate addresses listed for me ( many of which have never been associated with me )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: FACTUAL DATA CORP.
State: MO
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 have tried to have these removed from my credit as I never spoke to this company nor authorized them to place a inquiry on my credit, I have sent them several letters and yet they still fail to remove them or show me proof of me asking or authorizing them to run my credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
Company: ERC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received an alert from my credit monitoring service that a collection account appeared on my credit report for XXXX, XXXX, and XXXX. The collection account in question with XXXX XXXX is not mine. I called the company on XX/XX/XXXX stating my claim. They stated this account was from XX/XX/XXXX from a address that is unknown to me. They told me to dispute the claim, file a police report and email them and they would have it removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I have called them to dispute the date listed on the debt. It is listed as XX/XX/XXXX when the account was closed in XX/XX/XXXX. Each time I call them to dispute this amount and force them to confirm they own the debt by providing the original bill they hang up on me instantly. This has happened mutilple times and becasue they refuse to provide documentation I want this amount removed from my credit report and for an investigation to begin into the company.

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: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I made a dispute with Equifax and XXXX XXXX regarding having two open mortgages on my report for the same home loan. My loan was transferred from XXXX XXXX XXXX to XXXX XXXX in XXXX of 2017. I have made numerous attempts to dispute this item and the status remains the same when the account has been closed/transferred and there 's no outstanding balance with XXXX, or its other subsidiaries.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: FIFTH THIRD FINANCIAL CORPORATION
State: VA
Product: Vehicle loan or lease
Sub-product: Title loan
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:
A forebearance plan was entered into with Fifth-Third Bank in XX/XX/XXXX due to COVID-19 related hardships. In XX/XX/XXXX, we reapplied after the 3-month initial forebearance. Fifth-Third Bank is claiming no forebearance was filed, and reported the loan as delinquent. They reported it to the credit bureaus and it has affected my credit score adversely. We have asked multiple times to pay the forbearance amount and for the incorrect report to be addressed. Fifth-Third has refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I was charged {$50.00} overdraft fee for an {$8.00} recurring subscription. I spoke to Chase Bank as so as I found out about it and they refused to reverse the fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: Specialized Loan Servicing Holdings LLC
State: MI
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:
XXXX  XXXX XXXX allowed my ex husband to do a loan modification with only his signature on a home equity line that was court ordered to be refinanced and taken out of my name AFTER we were divorced 6 years. My ex husband then defaulted on that loan, it was sent to a collection company and both the late payments and the line of credit from the collection account are both appearing on my credit. I have all necessary court documents to provide as well as a copy of the fraudulent modification loan.

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