BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX credit report company is vouching for Portfolio Recovery Associate, LLC to keep on my credit report {$9300.00} since XXXX. Case number : XXXX ; seller : XXXX XXXX  ; Current Creditor : Portfolio Recovery Associates , LLC ( XXXX ) XXXX. I file for complaints twice with Portfolio services and send them proofs of my paid in full XXXX XXXXXXXX and twice they rejected my complaints saying that XXXX credit report said it is my account and I should pay. I send proof that I don't have an account with XXXXXXXX XXXX  nor XXXX XXXX XXXX XXXX from XXXX XXXX XXXX. I had my XXXX XXXXXXXX and XXXX XXXX XXXX in XXXX XXXX XXXX XXXX in XXXX. I still get harassing notifications every two weeks for the same thing and leaving voicemails on my phone from Portfolio services. Last week I tried to reopen my complaints and I was told it was removed. But i just rain my credit and it is still there. Please help me resolve this matter. My credit report is ruined because of this item that does not belong to me. I tried to resolve it myself it didn't work out. I hire XXXX XXXX XXXX ( XXXX ) XXXX paying them {$120.00} every month for almost a year and they didn't clear it. I want my money back. FTC is my last resource now, please help me with these monsters out there who are keeling my livelihood. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
Original complaint XXXX I applied for a credit card with Chase on XX/XX/XXXX. Several times they have claimed to still be working on it. The last was XX/XX/XXXX when one again they claimed to be working on it. I want the application for the card cancelled. This is ridiculous!! I have had many home loans in the past all completed in weeks from the application to closing. I am also researching legal options as I believe there is something very inept going on here. 60+ days is more than enough time for a simple yes or no.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX and Experian are updating a closed and paid in full account every single month as Negative late and charge off when the account was settled and paid in full 4 months ago. The credit bureaus goes between those 3 descriptions and continue to report on this account every week, making my credit score drop when this account has been closed and paid off for months now. Instead of fixing the information after sending emails proving that Ive paid the account off, they have every excuse in the book as to why they are right and I am wrong. Ive reached out to XXXX XXXX twice and Experian and  XXXX   twice as well. I was told today to take it up with the Consumer Finance so this is what I am doing now. I really hope this can be  resolved and quickly as Ive done my part and need the credit bureaus and XXXX XXXX to do theirs!

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 2017-02-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit card
Issue: Transaction issue

Complaint:
On XXXX XXXX, 2016 I was online to buy concert tickets from XXXX website, exclusively, and was expecting to conduct the transaction through XXXX or its licensed ticket agency, XXXX. 
Unknown to me, my transaction was hijacked and diverted by a trolling site, prodding me on to select available seats, section, etc., and promptly swept me to their checkout to secure the tickets I chose. 
Once the transaction was completed, I realized I had been duped and defrauded of {$500.00}, as the concert tickets did n't actually go on sale until XXXX-CST, some 10 minutes later. 
I IMMEDIATELY called Capital One-MasterCard to dispute this fraudulent hacking of my computer and transaction, and told them exactly what transpired. I was assured the charge would be reversed. 
It WAS N'T. After NUMEROUS calls, conflicting information from one phone clerk to another, Capital One simply sent the " contract '' provided by the fraudulent " service '' claiming I entered into a contract with, and told me I was out of luck. 
I have gone so far as to file complaints against this " ticket '' company with the Secretary 's of State with both XXXX, and XXXX ( the State in which this perpetrator of fraud conducts business ), and explained how I was defrauded of {$500.00} from Ticket Fulfillment Services. 
I am close to expiration of my dispute claim and, if forced to pay, I will NOT receive the tickets which I had to purchase LEGITIMATELY from XXXX, which is with whom I was expecting to do business with in the first place. 
I had EVERY right as a consumer to dispute and refuse payment for the fraud that was committed. However, Capital One-MasterCard has been completely unprofessional, indifferent, and worthless in protecting me, as their customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12
Company: IJLfinancial, Inc.
State: ID
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
they called me every day before payment was due, now that it is past due they are calling 10 times a day.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-23
Company: Experian Information Solutions Inc.
State: NY
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 to have incorrect information removed from my report. The letter was sent 30 days ago. I have not received anything from the company. The items are still on my report. I've disputed these items several times.

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 2022-03-23
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
equifax shows that my XXXX  loans are still open ; however, all my XXXX  loans are at {$0.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 Account # XXXX XXXX XXXX ; # XXXX discover, has violated my rights. 
15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states 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 2016-10-10
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I would like to start by stating that I 've been an XXXX XXXX XXXX customer since they changed over from XXXX has been over 10 years. I 've never had any previous problems with our carrier until approximately around XXXX of XXXX I started having a lot of problems with drop calls and bad connection while inside our house, from there on we tried multiple times with customer service. They advise to try rebooting system, a micro cell, new sim card and they also stated they were going to repair one of their towers. 6 months later and continues problems it was an inconvenience, finally made a decision to change providers due to my wife had to leave the house just to talk to Doctors as she was XXXX and she had no service while being at home. Before I cancel my service I communicated through a chat conversation and no where 's did they mention it would go through a collection agency. I spoke with XXXX XXXX XXXX as I was still paying for XXXX cell phones that I purchased on credit and wanted to know if I was still able to continue payments for the XXXX phones since they could not provide the service I needed. The supervisor stated my balance was {$1000.00} and as long as I continued making payments there would be no problems. I had made XXXX payments. XXXX {$60.00}, XXXX {$20.00}, XXXX {$60.00} and XXXX {$60.00}. Which brought my balance down to {$1000.00} ( do n't understand how it only dropped {$68.00} ). Recently I received a letter from Credence Resource Management a bureau company stating I needed to pay balance in full or if not was going to affect my credit. If I wanted they would settle for {$700.00}. And if I pay within 3 months would not affect my credit. I let them know that we had an agreement with XXXX XXXX XXXX and I was going to continue making my {$60.00} payment as we had agreed and I was going to call them. On XXXX I contacted XXXX XXXX XXXX to find out why I was sent to a collection agency and after been on the phone for 1 hour and getting no answer I demanded to speak with a supervisor, I was put on hold for over 30 minutes in which they never came back to the phone ( had to disconnect ). My wife called with a different phone while I was on hold they answered her, none of the representatives were willing to help with our matter. I would like to continue making my payments, just do n't want to affect my credit.

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 2022-07-18
Company: EQUIFAX, INC.
State: PA
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 Account # XXXX XXXX XXXX ; # XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. states I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
Company: FIRST HERITAGE CREDIT LLC
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In or around XXXX of XXXX my employer was served with a garnishment notice in regards to this account for the total amount of {$2000.00}. My wages were garnished until approximately XXXX of XXXX when I was notified by my employer that the total amount had been satisfied. Now First Heritage is reporting me to the credit bureaus as 60 days late and owing an additional {$300.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-25
Company: Experian Information Solutions Inc.
State: NC
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:
File first fraud alert XXXX updated information to identitytheft.gov XXXX Collecting and sharing data without my prior direct consent. 
Inaccurate reporting Deceptive and False acts Adverse Actions against household

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 2015-07-28
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I fell behind in payments because our XXXX failed, my husband and I were both XXXX employed and as economy got bad, XXXX business was no longer bringing income. we applied for loan modification a few years ago as we were working and able to start making payments again. I hired an attorney to help with the loan modification but it failed. I was told that my house is not worth the amount of the loan so I ca n't get modified. why was n't I offered a reduction or deferment so I can keep my home. I have enough income to make the mortgage payment.,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: EQUIFAX, INC.
State: MD
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 USBK COURT XXXX  Docket # : XXXX, has violated my rights.

15 U.S.C 1681 section 602 A States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: M&T BANK CORPORATION
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I applied for a refi with M & T bank. They sent closing documents which we signed committing to the new loan with the new loan rate and mortgage amount. They had the appraisal done. They called today XX/XX/22 and said they would not put the loan thru ( after we signed paperwork ) and that the garage was having work done and so it did not qualify. I would understand if they were not already on the loan, or if the garage was not being fixed, but this makes no sense. I worked with a man named XXXX who did not speak XXXX very well, and he seemed to have some issues with me being a XXXX  mother with XXXX children. I think I am being discriminated against, as this issue of the garage should not affect the appraisal or the loan being issued as like I said, they are already on this property. They also refused to send me the appraisal. They are saying they will not put through the refinance, or refund the money spent to do this refi of {$600.00}.

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 2016-05-27
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have disputed with XXXX, Equifax , XXXX, about their practices of putting stuff on my credit report. I wanted proof from all on how they verified that these accounts belong to me. I have instances where one of the accounts stated they only verified that first XXXX digits of my SS # and the debt was listed on all XXXX of my accounts. I only proof that I will accept from all XXXX of these credit bureaus is a signature showing my name where I requested credit from each of these debtors. Using the first XXXX digits of my social security is not enough. If they ca n't or have not verified with a copy of my signature on the original loan, credit card or whatever I want the charges removed from all XXXX credit bureaus. I have attached the accounts in questions, XXXX ( XXXX credit cards ), XXXX XXXX ( XXXX credit cards ). As you can tell XXXX XXXX shows that I made a payment on XXXX and I do n't even have a credit card with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14
Company: Google Compare Credit Cards Inc.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Google Pay sent money to someone else 's bank account, when it should have gone to mine via a payment from a friend. The bank proved it went to the wrong location. Google admitted they made a mistake and let my account get hacked. Plus when trying to fix it, they sent a charge for the same amount to another google service ( Google Fi ) which ended up having me pay double for phone service for that month.

After 45 hours spent with support, including several initial employees admitted Google made a mistake, it would always get escalated to a manager. The manager would only check the google records which looked like everything was fine. But multiple bank records showed they made the mistake and haven't fixed it yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
Company: Firstsource Business Process Services, LLC
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have written XXXX XXXX, filed complaints with the CFPB and the credit reporting agencies in regards to this fraudulent account. I did not authorize this account nor did I give anyone permission to obtain credit in my name. This bill does not belong to me and I refuse to pay it.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
As a favor to a friend, I setup a Chase Quick Pay account linked to my credit union checking account. This person 's relatives would send money through Chase Quick Pay where I would get an email to login and to accept this money. I would do so and after 1-2 days, the money would show up in my checking account. I would then proceed to withdraw that money for the person it was intended for. The last transfer for {$170.00} was deposited to my checking account on XX/XX/2016. I noticed today however, that the money was reversed by Chase and taking from my account on XX/XX/2016. I would assume that once the money was transferred and deposited, that the other party could not cancel the payment. Further, I would assume that once Chase makes the transfer, the money being transferred has been verified and is available. I do not understand how Chase can come back a week later and remove that money from my checking account without me agreeing to it. Also, if that money was not available, why is Chase even making the transfer to begin with. I feel I was scammed both by the person making the transfer and Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: EQUIFAX, INC.
State: GA
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:
XX/XX/2022, I sent a letter to Equifax and posted it on this site as well, with a concern that my personal information was inaccurate. Please ask them to correct my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Sears Credit Card / Interst rates are to high.

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 2022-03-23
Company: Professional Recovery Management
State: TN
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 send {$30.00} by check EVERY SINGLE MONTH to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TN XXXX and every single month it is drafted out of my account ( so the checks have been cashed ). I started making those payments in XXXX of XXXX  and they continue to this day. Despite the faithful payments, SEVEN of my accounts have been turned over to collections ( Fox ) and reported to credit bureaus. I have ZERO control over which account numbers the recipient posts my money to every single month. Once I mail the check, my responsibility ends. 
I discussed this with XXXX in accounting at XXXX and we have a binding verbal agreement that the payment will be posted against my account each month and my account wont be turned over for collections. What is done with it after I send it is NOT my responsibility. It is the responsibility of XXXX and Fox to ensure that my payment is calculated and posted NOT MINE. So, how do you figure I am delinquent on my account with XXXX when Ive made a payment every single month without fail? 
I have called, challenged my credit report, and was basically called a liar. So, I have no other choice but to report this to the XXXX and the XXXX. 
Please remove the following from my credit reports immediately and ensure that the credit agencies are notified of your erroneous reporting : Account # Amount Creditor 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 XXXX XXXX XXXX XXXX XXXX dispute : Fox Collection File no : XXXX Submitted : XXXX again on XXXX ( File no XXXX ) XXXX {$400.00} XXXX Dispute : Fox Collections {$400.00} XXXX Note : After speaking with Fox Collections on numerous occasions, its clear theyre not interested in any verbal agreement or any payments I may have made. However, I confirmed on XXXX that the verbal agreement was still in force with XXXX with XXXX. She shows all the payments Ive made EVERY SINGLE MONTH WITHOUT FAIL since 2018. She could not explain WHY my accounts were turned over when Im paying on them every single month without fail since 2018. Is it asking so much that someone from a credit agency or a credit reporting agency call the original creditor/vendor to confirm that the debt is actually owed? Please, just do it. Im trying to do the right thing here, but it seems no one else is. 
I've contacted Fox, and XXXX and XXXX and the automatic response is to either call me a liar or deem the dispute " resolved '' when it is anything but resolved.

Company response to consumer: Closed with explanation