BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-08
Company: Professional Finance Company, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Name of Creditor : Professional Finance Company Address : XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX : XXXX, CO XXXX Re : XXXX XXXX Amount : {$590.00} Dear Sir or Madam, I am disputing the validity of the debt referred to above. I am not aware of the account number and you have not informed me of the existence of this account. 

I am willing to pay this account IN FULL ( or a settlement percentage, whichever is feasible ) if you agree to immediately delete the account from the credit reporting agencies ( namely XXXX, XXXX and XXXX ) that you have reported to, and validated this account. My sole purpose is to get this item removed from my file. This letter should not be interpreted as recognition of the debt or acknowledgment of liability for the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Every Day Portfolio recovery services calls to collect a debt for a Mastercard that is not mine. Every day they ask if the last XXXX of my social security is XXXX or something like that. Every day I say no it is not. They say we will call back tomorrow or are rude after that. Then hang up. Every single day. It is not my debt. I will never be the XXXX XXXX they are looking for. It is harassment to call me every day and I am tired of it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-09
Company: CU Recovery, Inc.
State: OR
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
THE COLLECTION AGENCY IS CALLING OTHER PEOPLE ( FRIENDS, FAMILY ) TRYING TO REACH ME

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04
Company: EQUIFAX, INC.
State: GA
Product: Consumer Loan
Sub-product: Personal line of credit
Issue: Problems when you are unable to pay

Complaint:
Equifax credit reporting need to remove the Bankruptcy they have on my credit report because it was dismissed in XXXX without prejudices it was filed in XXXX. I talked to bankruptcy court they have nothing to do with sending it to Credit reporting companies. The other credit reporting have no information against me. I tried to have Equifax remove it. I have had XXXX hard hits against my credit report. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18
Company: Bliksum, LLC
State: SC
Product: Payday loan
Issue: Can't contact lender

Complaint:
I received a loan from LoanMe of {$3000.00} they took out {$490.00} the first month and {$360.00} the second month ( XX/XX/2016 ). I contacted them to let them know that I would like for them to lower my payments because I am experiencing financial difficulties, they have refused to work with me. I was told that they will not accept my comprise and wants me to pay back this loan. It 's their way or no way at all. I suggested lowing the payment, I was told that was not acceptable. They have refused any payments I have suggested and tried to make because it was not the {$360.00} they wanted.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21
Company: CAPITAL ONE FINANCIAL CORPORATION
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I opened a non-resident transaction/checking banking account at Capital One Bank in 2014. 
Recently, when i wanted to transfer money out of that account ( via internet banking ) I discovered that i could not. I contacted the bank about it, via secure message, and they told me that their " system '' does not allow an account without a SS number behind it to do outward transfers! 
Well perhaps they should have been upfront about that when i opened the account as a non-resident who by definitiion then does not have a social security number! 

So currently my money is permanently stranded in my Capital One Account. 

When i opened the account i explained that i would be operating the account mainly via internet banking and that i would need to be able to do transfers to external US accounts etc from time to time and was told that it would be no problem at all. 

It would be quite easy to get around this system obstacle, but so far I have had no help from the bank staff responding to my messages. If their system is really so inflexible ( and archaic ) that it is absolutely dependant on a SS number in order to operate and do the most basic of banking functions ( like transfer money out ) then XXXX solution would be to add a dummy SS number to my account profile to bypass this system anomoly which can only be described as a major system bug! 
A SS number is simply XXXX way of uniquely identifying an individual and is by no means the only way! In my case my passport number would be a perfectly legitimate and unique way of identifying myself to the system, and there is a myriad of other solutions which could possibly be used as well. 
All it would require is a willingness to help me as a client in order to overcome a problem created by the bank itself, but unforunately so far no such willingness has been forthcoming.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Credit card
Issue: Other

Complaint:
American Express ( AMEX ) violated my FTC right to charge back a debt by declining a legitimate charge-back of {$1100.00} for my XXXX/XXXX/XXXX at the XXXX XXXX XXXX. The hotel 's dirty pool failed state inspections and put my husband in the hospital with a XXXX XXXX that cost {$15000.00} ( Doc : My letter dated XXXX/XXXX/XXXX ). 

AMEX committed BAD FAITH by reducing its Over Time Repayment Services and wrongfully declining a credit card charge to my computer repair company. I closed the AMEX account and returned my charge card on XXXX/XXXX/XXXX ( Doc : My letter dated XXXX/XXXX/XXXX ). 

AMEX failed to provide a requested response to my XXXX/XXXX/XXXX letter. I wrote a CEASE AND DESIST DEMAND letter dated XXXX/XXXX/XXXX to stop the daily harassing telephone collection calls ( Doc : My letter date XXXX/XXXX/XXXX ). 

AMEX assigned the disputed {$35000.00} to XXXX XXXX XXXX on XXXX/XXXX/XXXX. I wrote my timely XXXX/XXXX/XXXX letter to XXXX XXXX XXXX demanding a VALIDATION OF DEBT. I never received any validation of debt from AMEX or the debt collector attorney ( Doc : My letter dated XXXX/XXXX/XXXX ). 

AMEX sued me using the debt collector firm. XXXX XXXX XXXX XXXX, on XXXX/XXXX/XXXX and won a default judgment on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX AMEX attempted to illegally garnish my checking account but the account was overdrawn and it failed. It was an illegal garnishment because my only income is XXXX which can not be garnished. On XXXX/XXXX/XXXX the lawsuit was dismissed due to my bankruptcy. 

AMEX and XXXX violated the FDCPA by failing to provide the XXXX/XXXX/XXXX demanded VALIDATION OF THE DEBT. All our letters were mailed Certified Mail. I do not owe AMEX anything because of it BAD FAITH AND ITS FDCPA LAW BREAKING.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, Account # XXXX, Account # XXXX, Accont # XXXX violated my rights 15 U.S.C 1681 section 602 A States I have the rights to privacy.

15 U.S.C 1681 section 604 A section 2. I also state a consumer reporting agency can not furnish an account without my written instructions.

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 non-monetary relief
Consumer complaint received 2015-10-26
Company: Empowerment Ventures, LLC
State: SC
Product: Prepaid card
Sub-product: Transit card
Issue: Unauthorized transactions/trans. issues

Complaint:
I have funds missing from my account and I 'm unable to access my funds. I need gas and have to pay bills. My balance is showing XXXX and I know for fact I have about {$350.00} missing. Rushcard needs to cut me a check for this upsetting experience. They ca n't pull up any account information when you call customer service. It 's sad. I 'm depressed behind this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
With regard to complaint  XXXX , Transunion reported that they have taken the accounts in question off my credit report. However, I just got a monitoring alert from  XXXX   XXXX , and not only is at least  one  of the accounts in question still showing up, but it has possibly caused my FICO score to drop significantly.

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 2016-05-06
Company: LD Holdings Group, LLC
State: NV
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I am in the market to refinance my currant mortgage held by XXXX XXXX XXXX XXXX in Nevada. I went on line and found a company called LoanDepot. I spoke to XXXX XXXX on XXXX/XXXX/2016 who took {$10.00} and we talked about possible loans available for my situation. That situation is simply we have a 5.6 % mortgage loan and now that home values are coming back up I wanted to refinance for a lesser rate, no cash out nothing, just refinance. As a XXXX Veteran he said I could qualify for a VA loan. I explained I had done that twice and he said you can do it again. If the loan was assumed and not paid it would be on m Credit Bureau. Okay. So he gave me a rate of 3.625 % and told me he 's been doing this for 9 years, he 's a great person etc. He said he would send documents email later that day and call me in the evening and go over everything because logging in can be a little tricky. then they would get a VA appraisal for {$200.00}. No call, nothing. LoanDepot never called back. On top of that XXXX showed that LoanDeport through XXXX inquired XXXX/XXXX/2016 on my credit report twice and really kicked my credit score. Then I get a call from their customer service (? ) wanting to know how things were going. When I told them what happen they were like, oh, asked who my loan officer was and hung up. You need to look into this company. Something is very wrong with what they are doing.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I wrote to your company earlier re case # XXXX. My USAA Mastercard was compromised from XX/XX/2016 thru XX/XX/2016 for over {$9000.00}. It took countless phone calls from me, a letter from your company, and much additional paperwork to finally get this partially resolved XX/XX/2016. There are still XXXX additional charges I did not make on XXXX XXXX, 2016 for {$350.00} each. I have called their fraud / identity theft departments 4 times, spoke at length to agents, and I still have the charges totaling {$700.00}! I have received XXXX different USAA credit cards all with different numbers, have NOT activated any of them, so how can I have charges? The last agent I spoke with, XXXX, on XX/XX/2016 did some research and learned these charges were made in XXXX! I, of course, was not in XXXX and did not authorize these charges for {$700.00}. I asked her why any of the other XXXX agents did not tell me that information. She said they just did n't bother to look! I am perplexed as to why USAA, a company I have been with for many years, and touts itself as a support to military personnel and their families, is having such a difficult time resolving this fraud issue!! My XXXX XXXX XXXX and XXXX XXXX card were both compromised XX/XX/2016, the fraud was dealt with, the accounts are being monitored, and all is well. What is the problem with USAA?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I went to XXXX car dealership to purchase a car and they pulled my credit report several time when i had an approval for one. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-05-19
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: Their investigation did not fix an error on your report

Complaint:
I've contacted XXXXXXXX XXXX XXXX  & they told me I've never missed a payment, yet the 3 Credit Bureaus refuses to remove me from being listed as 30 and 90 days late on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do the 3 Credit Bureaus 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. 

XXXX XXXXXXXX

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 2016-08-12
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
My husband recently XXXX. Prior to leaving he submitted the required paperwork to USAA ( just as he had done for previous XXXX ). Recently we received a letter from USAA denying our SCRA benefits and they would not be lowering our interest rates to the 6 % let alone the 4 % that they advertise. They state that we incurred the debt after entering into this activity duty status, therefore we do not qualify. Since he just recently XXXX, this is not possible and the debts were previously incurred. After multiple XXXX and submitting this paperwork to multiple institutions USAA is the only financial institution that has denied the benefits. I would also like to note USAA did not deny our request for the previous XXXX. I was transferred to XXXX different associates that failed to assist me. When I spoke with one of the representative at USAA he stated that this benefit only applies to reservists, when they are called to activity duty.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AK
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I have been a loyal customer of Capital One for over 10 years. I recently opened a separate card with Capital One, transferring a balance from another card. Ever since moving from XXXX to XXXX, I have had nothing but issues with them " not receiving payments '' or when I call in a payment, they do not apply it in time, so then they charge me a late fee. When I call about the incorrect late fee, they tell me they will " reverse it '' and it should be reflected on my next statement. But then the cycle repeats. I make a payment they either " did n't receive '' or it 's applied too late and yet another late fee is applied. This happened for months and months and months on end with both Capital One accounts. I notified them in writing and also contacted their fraud department to complain, but to no avail. They insist on charging late fee after late fee. I have notified the Attorney General 's office here in XXXX and they have contacted them on my behalf, issuing them a cease and desist order, but of course, my credit score has taken a huge hit because of the late fees. Until this is resolved I have not been paying them anything because it does n't matter when I do. Their business practices are shady at best and illegal in my eyes. 

Capital One and the like are a bunch of crooks ripping off the people who pay for their jobs.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: DC
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Greetings, My name is XXXX XXXX and I am filing a complaint on behalf of myself against Portfolio Recovery Associates ( PRA ). My complaint arises from PRA 's illegal attempt to collect on an alleged debt ( Charged-off account ) using tactics that violate several federal laws ( Both FDCPA and FCRA ). PRA is currently attempting to re-age an old account by providing false information to the credit reporting agencies, XXXX, XXXX, and XXXX in regards to a charged off account. Attached to this complaint are three documents that show this illegal activity. The first document is the initial letter from PRA, which details their involvement as a debt collector on behalf of XXXX On that document you will see the full account number detailed. The second document is an export of an old credit report showing the exact date that this account opened as well as the account number and company name that was collecting on this account, XXXX. The third document is a newer credit report which shows that PRA has now added themselves to my credit report ( in the place of XXXX ) and have also changed the date the account was opened as well as the account number to reflect a number that they created which mimics the old account number ( See documents ). They added new characters to make it seem as if this is a new account. Also, on the newer report PRA claims that the alleged debts " Date Major Delinquency First Reported '' was on XX/XX/2015, three months after they placed this fraudulent account on my credit report. By affecting the dates on my credit report PRA now has effected the time in which this item will fall off of my credit history. Per XXXX law, this account is well past the statute of limitations for debt accounts based on the original creditors account closure date, which was removed by PRA and no longer exists on my credit report. 

Additionally, I sent two letters to PRA demanding that they validate this alleged debt and their involvement. They did not comply with my demands ( Package Attached ). 

Just so we are all clear : 1. I have never opened an account with Portfolio Recovery Associates. 
2. Portfolio Recovery Associates have never sent proof that there is a signed contract that exists that binds myself, a natural person, and Portfolio Recovery Associates, a creature of the State who is defined as an ARTIFICIAL PERSON. 

Lastly, these continued illegal attempts to collect on this alleged debt have left me XXXX exhausted. I am hoping that this can be resolved without any need to go the legal route, which is my next option. 

Thanks in advance for your attention to this matter. 

XXXX XXXX US Citizen All rights reserved

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
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:
Debt collections services from Portfolio Recovery Services are constantly calling my phone number, which I have not given to anyone. They refuse to disclose who they are trying to contact ( when I return their call ), demanding I first answer their questions ( which I refuse to be compelled to do - as I see it as assisting them and acknowledgement of their illicit tactics ). I have explained that I alone live at this address, and that I have NO outstanding accounts ( my credit score is mid XXXX 's ). I presume that they have linked this phone number to this address and are seeking someone who lived here in the past. In principal, I DO NOT give out information to unsolicited callers, especially those who, in essence, are holding me hostage with harassing phone calls as a means of generating income by collecting past due debt. As I pay my bills in a timely fashion and maintain good credit of my own, I feel especially violated. I 've repeatedly asked/demanded that they stop calling. They refuse to allow me to record the calls, aware that I intend to take legal action. In truth, I prefer that their tactics be exposed and they incur whatever fines they merit.

Company response to consumer: Closed with explanation