BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-14
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A Verification letter was sent to collector by certified mail on XX/XX/2019, letter was delivered on XX/XX/2019. The Collector has updated the information in my credit report with the remark : " Account Information Disputed by Consumer '', but I did not get any letter from the collector or proof regarding this account. I was requesting the account was verified to apply for a settlement in case I am responsible for it. I am working on improving my financial life with the Department of Consumer Affairs City of New York. The collection agency was contacted by phone today ( XX/XX/2019 ) around XXXX XXXX but his agent ( XXXX XXXX XXXX was not able to provide information regarding this account, he said I need to call back on Monday XXXX XX/XX/2019 ) or call the legal firm who is managing my account XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14
Company: CIT BANK, NATIONAL ASSOCIATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I recently moved from XXXX to XXXX, since my bank OneWest only limits me {$1500.00} per day I have to write a check to myself so I have more available for bills, moving expenses, and other circumstances like purchasing furniture since I literally started from scratch. I made the decision of refurbishing my house, so I needed more money available. This is the reason I opened an account through XXXX XXXX. I made a check out to myself on XX/XX/14 for the amount of {$3000.00} and deposited it to my account. The money was debited from my account the following day and it was credited in my XXXX account the same day. XX/XX/XXXX, I go and check my account because I have to pay for my mortgage and my account is now - {$2300.00}!!!! Luckily I was able to pay the bills from my one west   account, I call one west and they claim that there was an issue with FIS and I should receive a credit soon. According to what they said, there was an error with the federal that it showed it was being redeposited and it came back returned even though it was debuted from my account 2 weeks ago. I had a conference call with both banks and XXXX had no idea what is going on. Its now 2 XXXX weeks and my account is still negative {$2400.00} now because of overdraft fees. I have had to borrow money from people to pay my bills and Im limited on funds. This is a complete embarrassment!! Im Pennie pinching and I can not get these resolved! I am in the hunt for an attorney! The bank can not give me a straight answer, I called yesterday and they tell me now that One west   is going to cut a check to send to XXXX XXXX. I asked for a tracking and they can not give it to me! This has been a complete nightmare for my family and I and will close this account as soon as this gets resolved but for the meantime I have no idea what to do financially!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
FRAUDULENT ADDRESSES : 1. XXXX XXXX XXXX XXXX XXXX FL XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX 3. XXXX XXXX XXXX   XXXX XXXX FL XXXX 4. XXXX XXXX XXXX CT XXXX XXXX FL XXXX FRAUDULENT NAMES : 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX 3. XXXXXXXX XXXX   XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Capital One Did not handle a Dispute properly And i Revoked my XXXX Dollar liabillity clause and they did nothing come to find out they Closed my account After i made the max payment i can afford and Capital one disregarded My Dispute and Retaliated against me by closing my account on my credit report and They say it was closed at consumer request wich it was not and am requesting compensation for the wrong doing of the dispute and my account reopened like nothing ever happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am writing to provide a complaint that was created on my credit file on behalf of Enhanced Recovery, regarding Account Number : XXXX. The item identified is inaccurate/incomplete because 1 ) I never received any mailing notification that of owing any monies to this creditor and therefore not responsible for this debt and should have not been reported in my credit file, 2 ) This account was purposely re-aged by Enhance Recovery. On XXXX XXXX I noticed this debt had been placed on my credit report as having an opened date of XX/XX/2019 with status update past due as of XX/XX/2019. Enhanced Recovery re-aged this account to appear as a new debt rather then owned by a new creditor. 

Below is summary of letter sent to creditor On XX/XX/XXXX : I noticed this debt had been placed on my credit report. I am disputing the above referenced debt. Please verify this debt as required by the Fair Debt Collection Practices ( FDCPA ) ( section 1692g ) and Floridas Consumer Collection Practices Act ( FCCPA ) whose provisions require all debt collectors to send specific written documentation verifying the debt amongst other statutory provisions. Under section 559 of the Rules/Definitions of the Florida Consumer Collection Practices Act, verification requires all the following : Proof of my agreement to pay the original creditor A copy of the final account statement issued by the original creditor ; A breakdown of the total amount due, showing principal, interest, and other charges ; and For all other charges, the date of and the basis for each charge. 
Provide proof that the State of Limitations has not expired on the alleged debt, or ; Provide proof that the alleged debt/account has not be re-aged as a result of unscrupulous practices I dispute this charge because I do not recognize this debt and I do not owe any money to this creditor.Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please notify the credit reporting agencies that the debt is disputed and/or delete the trade line from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the FDPCA and their Fair Credit Reporting Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
The companys name is portfolio rc. A bad debt happened to me and I am on XXXX from social security only. All of my assets are 1 car and 1 home. I am upside down on these debts. My mother helps me with those two payments as my SSI is not enough to cover them. XXXX was original CC ompany. They closed the account. Now this company Portfolio has called me while I was in hospital, I have 2 doctors and 2 nurses as witnesses. I can not pay the amounts they require, due my medications and 20 % match with XXXX. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My student loan payments as co-signer to Navient are not being posted timely resulting in erroneous late fees being charged. 

The stated due dates for payments are AFTER the next statement date so the statements never show my last payment but instead charge late fees because Navient didn't receive the payment that wasn't due yet by the statement date. THIS IS CLEAR FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 )  ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or hand written verification directly from a person at that. Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted.

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 2020-02-05
Company: AFNI INC.
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently got a notification on my credit report about a derogatory account being opened. " ANFI '' opened an account attempting to collect a debt that is not mine, nor did I receive any correspondence of anything being owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28
Company: Paypal Holdings, Inc
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I received notice from XXXX XXXX that merchandise I had ordered was being shipped. I had not placed this order. It was being shipped to an address in XXXX. They said I had paid {$210.00} using my PayPal account. I have never used PayPal to pay or buy anything, only as a way to be paid during pandemics. I contacted PayPal, but could not raise a human, only shuttled through options. After some time I was able to get a investigation started that I was told may take 10 days. So I then contacted XXXX XXXX to ask them to cancel the order, but they said they could not and that I would have to go to PayPal. I returned to PayPal in an effort to expedite the investigation with little effect. In desperation to halt this, I contacted my bank and put a stop payment on PayPals withdrawal. Now PayPal becomes more interested. They inform me that my bank refused withdrawal. They then removed the amount from payments I was receiving via my business, music teacher. They then informed me that they found nothing inconsistent with my account and closed the investigation. I would like my money back. And so am filing a complaint here.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-28
Company: Experian Information Solutions Inc.
State: OH
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:
This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to  follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or hand written verification directly from a person at that. Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28
Company: EQUIFAX, INC.
State: OH
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:
This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 )  ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or hand written verification directly from a person at that. Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14
Company: Clarity Services
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: Account status incorrect

Complaint:
I don't even know half of this company I have never open any accounts with most of this people the information is wrong this is insane all those accounts too many financial institution that I don't even know. credit cards open I am not even aware of any of those facility that have my information. there is some that are out of state I ma sure my social security number has been used for some of this accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15
Company: EQUIFAX, INC.
State: MS
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:
on XX/XX/2020 I mailed a letter requesting verification of inaccurate accounts found on my credit report. I didn't receive a reponse so I sent another letter on XX/XX/2020. I still have received a response and these inaccurate accounts are still showing on my credit report. It's been 3 months

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
I disputed and sent in all correct information with supporting documents and this still has not been resolved. How can my issues not be verified if I sent in everything pro being who I am and the correct information?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or hand written verification directly from a person at that. Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted.

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 2019-09-14
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I tried to log into my account to submit payment but your website won't let me. It says there are technical difficulties before even getting to a login page. When I call the customer service center, I get extremely rude people who refuse to transfer me to a supervisor, instead, they just hang up. Now im being subjected to negative credit reporting for this issue which I can't control.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
A car dealership ran my credit through to many banks without my permission and I only authorized one now it has a negative Impact on my score and also there are names on my report that are not accurate and I wan na dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: Dovenmuehle Mortgage, Inc.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I submitted a written request for information on the website maintained by the servicer for my mortgage loan, Dovenmuehle Mortgage , Inc. ( " DM '' ), on XXXX, 2020, over 30 business days ago. That inquiry was a qualified written request. Consistently with their generally poor customer service, DM has not responded to my inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28
Company: Experian Information Solutions Inc.
State: FL
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 was car shopping but couldnt make a purchase because I do not have a valid license. I submitted an inquiry to speak to someone about the car buying process because I have never bought a car before. I have to wait until XXXX to get my license due to covid. This morning I randomly get an email from XXXX XXXX with rates for a car but I have never talked to anyone. 
I checked my credit and saw six inquiries from multiple banks that I Did not authorize at all.

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 2019-09-14
Company: SYNCHRONY FINANCIAL
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Regarding, Summons Case No XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX WA XXXX XXXX I have received through a second hand source a summons to me for collection of debt of {$1600.00}. This summons was never officially served on me, but instead, forced upon my non-relative roommate prior to XXXX XXXX in clear violation of the Fair Debt Collection Practices Act. I am assuming that the collections firm will try to declare that this was a formal serving to me even though I was never present. I am asking XXXX, my designated agent for handling my debts to respond anyway, but making it clear that this is a response based on obtaining a copy of a summons that has never been officially served. 

The summons contains false statements. Namely, I am NOT married. I have been widowed since XXXX. And, they did not make repeated attempts to collect as stated in the summons. I have only received one notice from the collections company which was immediately forwarded to XXXX who responded. It has been made very clear that I actively want to resolve this debt. I am informed that the collections company refused an offer of settlement and repayment and did not offer any counter proposal for settling the debt. A lawsuit is their response instead of attempting to settle or arrange for payments. 

Official written statement from my roommate : *** Received via text message XX/XX/XXXX *** Here is my statement : On XX/XX/XXXX, at about XXXX XXXX. as I was preparing for work. I heard a loud banging noise from the front door. Ignored it for a little bit since Im in the bathroom XXXX and not in a position to answer. Finished my bathroom chores and dressed up for work and I again heard the loud door banging. I opened the garage door hoping to leave and ignore the door, but this guy parked on the driveway blocking my side so I had no choice and annoyed that I have to tend to him. At that point he asked if I XXXX XXXX. Of course I said NO and he asked for my name and after he served me the documents. 
*** end of message ***

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