BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-03
Company: JPMORGAN CHASE & CO.
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I have requested assistance about this in the past. But now things havechanged. My brother bought the house owned by my mother. It wasfinanced for fair market value, @ {$77000.00}, at a local bank. We put life and XXXXinsurance on it. Chase Bank came along, re-apprised the house internallyfor {$200000.00} dollars. This, based on my Inquiries with other banks andreal estate agents was totally incorrect. The result, he refinanced, lost theinsurance, became XXXX, paid XXXX in payments, is nowdeceased and the family will lose the house. If Chase had never overvalued the house back in @ 2005, my brother would have left things asthey were. The money he paid Chase could have gone toward betterhealth care for him.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have no knowledge of this debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14
Company: Real Time Group, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
We have hired an attorney on XXXX XXXX to assist us in contacting Real Time Resolutions. As of XXXX/XXXX/XXXX Real Time Resolutions has not responded to any emails, phone calls or letters in regards to our closed account with them. 

The account was in relation to a mortgage loan associated with our XXXX home XXXX XXXX XXXX. 
Effective XXXX XXXX we no longer carried a mortgage on the home, as we voluntarily agreed to a forclosure. The original mortgage was an XXXX carried by XXXX XXXX XXXX XXXX. 
Not until after XXXX XXXX were we informed that we had a collections account active from Real Time Resolutions for the unsatisfied amount of the Home loan. 

Real Time Resolutions took the debt over after the sale of the forclosure to collect on the unsatisfied amount ( XXXX % ) which after the sale is considered an unsecured loan. 

Payment arrangement have never been made between us and real time resolutions at any time. We contacted them in XXXX XXXX and agreed on a settlement amount to close the collections account. It was then that we realized they have been reporting to the credit bureaus as late for every month up to XXXX XXXX as being XXXX days late. 
An earlier credit report shows a the correct labeling of the collection, but also reflects the incorrect late pay reportings. 
As of today in an attempt to be pre approved for a home loan we have been notified that the label of the account has recently changed to as a " mortgage account ''. 

We brought the matter to our current attorney, and he has informed us that the account has been mislabeled and should be labeled as an unsecured installment loan. We have been attempting to contact them since XXXX XXXX, XXXX at first for the incorrect reporting of late payments and now we are also facing an incorrect labeling of the account. 

Attached you will find the letter showing the settlement paid to Real Time Resolution, and County court docs supporting the sale of the home we no longer owned effective XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-17
Company: EQUIFAX, INC.
State: SC
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:
The 3 credit Bureaus are reporting a 30 day late for XXXX XXXX for the month of XXXX. XXXX XXXX has confirmed they never reported the account late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Bread Financial Holdings, Inc.
State: AZ
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I received a billing statement from PayPal Credit claiming that I owed them money for a recent transaction. I checked my credit report and PayPal did a hard pull on my credit information. I have no knowledge of ever signing up or opening a credit account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: PA
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
This company is trying to collect from a dead man which is my father and his estate in which he has no money if he is dead!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20
Company: ResidentCollect, Inc.
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have sent this collection agency multiple letters via certified mail and they have never responded or provided any proof of the alleged debt they are reporting on my credit reports. I do not agree with the amount of the debt owed and i have asked them for an itemized bill of particulars so i could determine how they got to the amount they allege owed. They have violated 15 USC 1692 FDCPA and 1681 s-2 FCRA. A data furnisher is required to respond to a dispute with in 30 days of receiving a dispute. I have sent XXXX letters certified mail and they have never responded.

Company response to consumer: Closed
Consumer complaint received 2017-03-13
Company: VW Credit
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
VW Credit is reporting XXXX late payments from a car purchased thru them on XX/XX/XXXX. The account was settled and paid in full by XX/XX/XXXX. The late payments are showing in XX/XX/XXXX which at the time the car was paid in full plus the fact XXXX years have passed since the last activity so this account should not still be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Im a victim of fraud never applied for this account they keep sending me statements to pay them and its not fair when I didnt apply for this product chase is a horrible bank with a bad reputation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: EQUIFAX, INC.
State: UT
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:
Equifax did not review my result and give results of the dispute correctly. I disputed an address on my file that is not mine. Their response was that they reviewed the address and the documentation I provided but did not give the results of that dispute. When the complaint was brought up with cfpb the first time, they stated that my name was correct, which was not the item I was disputing. I am filing a second complaint as the investigation to both issues has still not been rectified. I can provide the address in question upon request but cfpb has requested that I do not include identifying information. I have included the document of the dispute results as well. This document includes the dispute ID

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28
Company: Genuine Debt Solutions, LLC.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
they would change their voice, and say they have a case against me and they going to take me to court.. different people keep calling from different numbers. last this last person name XXXX call and said that she was going to contact my job.I told her that she have to send me some info and she said that they dont.

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 2016-06-06
Company: CURO Intermediate Holdings
State: TN
Product: Payday loan
Issue: Can't contact lender

Complaint:
Speedy Cash made a hard inquiry on my credit report with XXXX. 
I did not authorized anyone employed by XXXX XXXX to make an inquiry and view my credit report. They have violated the Fair Credit Reporting Act Section 1681b ( c ). They are not legally entitled to make the inquiry. This is a serious breach of my privacy rights.

Company response to consumer: Closed
Consumer complaint received 2021-09-17
Company: ERC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
ERC Collections repeatedly calls looking for " XXXX ''. I am not XXXX, I have told them they have the wrong number, and they agree to remove my number from their files. The calls continue, it's been nearly 3 years. At this point, it can not be caused incompetence or an honest mistake, it is willful and intentional harassment. I have no business relationship with this company, and never had.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: Pendrick Capital Partners Holding, LLC
State: NE
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
XXXX XXXX systems continues to report a debt to my credit bureau that has been XXXX in a bankruptcy. My debt continues to be sold from agency to agency. I called them today and they said yes it should be closed. But the agencies on the back end keep selling it. It is now on my credit report once again. This has happened 3 times. I want it removed asap so we can pre qualify for a home loan. The current agency holding this debt, that was sold to them, is Pendrick Capital Partners.I should not have to call every XXXX months to have a debt removed from my credit report. This is haunting me and tanking my score. I feel harassed and defeated that this keeps happening. Someone needs to be held accountable. I 'm unsure why commonwealth financial systems has things straight in their records but these other agencies are still passing this debt around.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28
Company: CURO Intermediate Holdings
State: TX
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I received a payday loan from XXXX and ended up gett other loan to pay that loan. I was paying XXXX $ every pay check but only XXXX $ for wha was being paid went to the principle. It would ha taken 17 payments making a XXXX $ loan cost me ove XXXX . 
I ended up lost in in loop now I owe speedy cash for a ridiculous sum as well as th cash store. I XXXX and ca seem to find out way to stop th loans gaining more and more interest. 
What can I do? If there help without another loan I 'd like to know.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: Debt Recovery Solutions, LLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Repeated phone calls on my work cell phone from Debt Recovery solutions after being asked to not call me on this number. Requested information by mail and was informed I would have to settle with them on the phone or I would be subject to legal action. Told them I was not willing to communicate on my work phone and they would have to contact me by mail. Consistently harassed over multiple phone calls. Debt was removed from my credit report and then resubmitted multiple times. I've disputed and had it removed and then a couple of months later it was sold to another debt collector, consolidated the amount and resubmitted it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13
Company: Bread Financial Holdings, Inc.
State: NC
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
A caller claiming to be Comenity bank has called me twice in a week to collect an old written - off debt ( approx 20 years old ). Threatening that i better have a lawyer, etc. I called the real Comenity bank myself, and they said I do not have an open account in collections or otherwise with them. They also confirmed that they do not have a phone number XXXX in their organization. the caller 's name is " XXXX '', and she states I " better call today '' with my lawyer. Obvious scam

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03
Company: F.H. Cann & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Federal student loan
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was in a student loan rehabilitation plan with FH Cann from XXXX 2014 until XXXX 2014. During the loan rehabilitation program FH Cann illegally added excess fees and collection costs to my student loans. FH Cann also did not disloce where my payments were allocated to. FH Cann is engaging in illegal debt collection tactics by adding excessive and illegal fees and collection costs to people who are trying to rehab their student loans.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-17
Company: EQUIFAX, INC.
State: MN
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 am challenging the incorrect information on my credit report with XXXX account number ( XXXX ) there are 3 different dates of last activity i attached a copy of report its inaccurate and going against FCRA and i need removed immediately please and thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: Navient Solutions, LLC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Charge 's on my credit which has been breached Navient student loans over charge and wrong charge 's due to school closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NC
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
The exact option for filing this dispute is not listed in the drop down menu above. This company is inaccurately reporting as the original creditor/lender on the XXXX credit reporting agencies. This is inaccurate information, they are a debt collector not a creditor. I have made attempts to have this information validated and updated/removed and have received no formal response to any letters I have mailed in.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XXXX XXXX, 2015, I received a phone call - purportedly from Portfolio Recovery Associates ( PRA ) - telling me that my wife owed them {$650.00}. I denied that assertion. The caller asked for the last XXXX digits of my wife 's social security number. Having no evidence about who was calling, I refused, and I asked that the claim be mailed to me. The reply was that the claim had already been mailed to me. I denied that. At some point during the conversation, I asked where the claim had been mailed, and the PRA rep gave me an address that was not ours. 

The PRA rep refused to agree to mail me the claim, and declared she was marking this claim as disputed. She said I had to respond to their Disputes Department within a certain time period ( I do n't remember how long ). I asked to speak with someone in the Disputes Department. After a considerable delay, I was able to speak with a Disputes Department rep, who said I had to email or mail my dispute about the claim before they would give me any more information about it. She gave me an address and an email address. This entire conversation, or rather confrontation, wasted more than XXXX minutes of my time. I do not see why I should have to respond in writing to a verbal charge by an unknown accuser, attacking with an unknown accusation. 

The same day, XXXX XXXX, I emailed and mailed my response which I will attach to this complaint ( although the left upper corner reads XXXX/XXXX/2015, that is the date of my re-printing of the email, which was sent XXXX XXXX ). 

Yesterday I received a letter from PRA ( also attached hereto ) dated XXXX XXXX, showing a debt owed by XXXX XXXX XXXX, with a social security number ending in XXXX. My wife 's name is XXXX XXXX XXXX, and there is no " XXXX '' whatsoever in her name. There never has been. Her social security number does not end in XXXX. 

From the beginning, PRA was attempting to collect a debt from us when they knew our address did not match the one they had. And they initially refused to give me any information about the debt or the debtor until I took the action of disputing the claim. 

Once I did take that action ( giving them our address, which they did not have until they received my disputation letter ), and they knew for a fact that the name of the debtor did not match my wife 's name, they continued to try to collect the debt. 

This is not a case of identity theft. It is a case of wanton disregard of identity FACTS by PRA. 

I am responding to PRA 's letter with the attached letter, but because I am not providing them with answers to many intrusive identity questions to which they have no right to an answer, I fear they will continue to hound my wife and me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have been receiving calls from Portfolio Recovery trying to recover a debt to XXXX 's. While I had a XXXX 's credit card, the account was paid in full and closed over a year ago. All information XXXX XXXX provided to me ( my addresses I have lived, date account was opened and used, and the balance owed ) was all wrong. When I told him that was not my account, he then said he could mail me a dispute form. However, he could not tell me my address, which again I reiterated it clearly was not for me. He said he would continue to call until I provided my address. He called from XXXX and provided the callback number of XXXX, which are different numbers than the corporate number posted online at XXXX. This debt is not mine, I do n't even have a XXXX 's account anymore, and I would like for this company to stop calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12
Company: U.S. BANCORP
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I filed a dispute with my bank on my XXXX debit card due to poor quality of goods purchased. I tried to work with the supplier but they refused to allow me to return the merchandise so I filed a dispute with the bank. I was issued a provisional credit. Recently received a letter from my bank basically telling me that they could do nothing about my dispute did not even try to chargeback the supplier.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: National Credit Systems,Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
After receiving my credit reports, I noticed a fraudulent bill for over XXXX dollars placed by a former landlord on my credit history. My requests for removal via dispute process was denied, reason being amount disputed was verified as correct by the debt collector used by the landlord. Housing Court confirmed this debt is in fact not, correct, and there are no open cases or judgements against me for that amount. This was clearly done as retaliation for me calling our State Health Department which is illegal. Receiving a picture from a former neighbor of men in hazmat suits entering my former apartment verifies that in my view and opinion. This landlord demanded payment yet refused to change my carpets after getting a doctors note as directed and remodeled the entire apartment complex except my apartment contributing to sickness, homelessness and denial of other housing based on fraudulent credit reports.

Company response to consumer: Closed with explanation