BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-17
Company: Performant Financial Corporation
State: LA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX, I sent a certified letter to Performant Recovery Inc. disputing the companys assertion ( by letter dated XX/XX/XXXX ) that I owed {$710.00} on an unspecified student loan from the late XXXX, when I was enrolled in XXXX school. I had only two student loans throughout my 18-month tenure in XXXX school,  both of which were paid in full by XXXX. 
I sent a certified letter on XX/XX/XXXX, disputing the debt and demanding that within 30 days, the company send to me the following items : 1. The name and address of the original creditor ( The original creditor was NOT XXXX XXXX XXXX XXXX.. XXXX  was a debt collection agency that bought the debt from the original lending authority, which neither company has ever disclosed. ) 2. The signed loan documents and account number associated with the debt ; 3. A copy of the last billing statement sent by the original creditor ; 4. Documentation from the original creditor noting default, amount owed at the default, and the date and amount of any payment or credit applied after default.

Not only did Performant Recovery never provide me with any of the documentation I requested as proof of default on a 30-year-old student loan, but also the company did not respond within the allotted 30 days. In fact, the company did not respond at all, yet, somehow garnished my federal income tax return this year and took {$600.00} from me that, according to the Fair Debt Collection Practices Act, is not legally due the company. If a consumer sends a written dispute or request for verification within 30 days of receiving the 1692g notice, which I did, then the debt collector must either mail the consumer the requested verification information or cease collection efforts altogether. Verification should include at a minimum the amount owed and the name and address of the original creditor. None of this information was provided to me. The company can not legally garnish a citizens tax return without proof of the debt. This is egregious behavior and in violation of the law. 
Sincerely, 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 2022-03-25
Company: EQUIFAX, INC.
State: VA
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 contacted a clerk at the court and the clerk provided me with another set of court documents that I have attached to the compliant that proves these bankruptcies were filed fraudulently in my name. The documents clearly state these three bankruptcies by case number so there is no confusion as to what I am disputing and why. I have tried several times to resolve this issue with Equifax. Please hold Equifax accountable for reporting false information on my credit report even after I provided documentation. Please review the new documents the court clerk provided me. Again, I am submitting the compliant for Equifax to remove these bankruptcies.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02
Company: PHH Mortgage Services Corporation
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received a real estate tax bill from my county. I called the mortgage company to find out if they had paid the tax bill and they said they did. After speaking with the property tax agent, I realized the map number that the county was asking me to pay was incorrect, it was not my house. After contacting the county, they said they would correct the error and I would not have to pay. However, the mortgage company called my county tax office and later added that parcel of land to my loan and paid the outstanding tax bill due on that parcel. I had to contact the mortgage company again and ask them to remove this parcel of land from my loan and ask them for a refund from the county. In the meantime, my loan was re-assessed and now the mortgage company wants to me to pay more monthly because of the company 's error of adding that parcel of land. They said they will not re-calculate my loan until the refund payment from the county comes in. I should be able to pay the original lower monthly payment for the mortgage and not have to pay a higher cost for their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent two debt validation letters via certified mail on XX/XX/22 and XX/XX/22. They have failed to validate based on laws and keep reporting on my credit. I owe them nothing. The laws are clearly being violated and my name is being slandered.

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 2022-08-15
Company: Experian Information Solutions Inc.
State: GA
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2020-03-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
My name is XXXX XXXX and I have a Capital One credit card that I've had for many years I paid my credit card off in full on XX/XX/XXXX and I don't use this credit card all the time in early XXXX I saw that my credit score went down a lot when I looked at my credit report it said that I missed a payment to Capital One in XXXX I knew that I did not miss a payment so I called Capital One myself and they said that they added a {$2.00} and interest charged on XX/XX/XXXX which is two days after I pay my credit card off in full. 

I was upset but I pleaded with the supervisor at Capital One and she agreed with me and said that they would update their records to show that I never actually missed a payment and she actually reversed the late fee also which I really didn't care about the late fee but she gave me the late fee back because she understand understood and she did say I see that you pay your credit card off on XX/XX/XXXX and then we added a interest charge 2 Days Later I am considering getting a mortgage now and I can not do it with this late payment I ran my credit report every 7 days since XX/XX/XXXX waiting for my credit report to fix my credit card updates on XX/XX/XXXX today on XX/XX/XXXX I called Capital One again and I got another supervisor name XXXX XXXX number XXXX. and after 40 minutes of waiting on hold ... She advised me that they are not going to remove the late remark on my credit report which is complete opposite that the other supervisor told me on a recorded call. 

At this point I was extremely upset and I did lose my cool and swear at the supervisor because this was already supposed to be resolved and I don't know how people in America are. What's the deal with companies like this that her people 's credit reports for unreasonable reasons. If you look at the balance and statements I can prove everything that I never missed a payment in that they are unreasonable on how they calculate the interest to charge it in such a fashion. 

also every call that I called was on a recorded call and they can verify that their supervisor did say they were going to remove the late charge from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-15
Company: EQUIFAX, INC.
State: VA
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 received a call back in XXXX about being past due on a personal XXXX XXXX credit card. I explained to this company I didn't open, apply nor have any knowledge of this account that was opened. I called a supervisor with XXXX  and was told the account was opened by XXXX XXXX ( My ex-wife ) but my social security was listed. I explained again this was NOT my account. I met with XXXX XXXX and she gave me copies of documents she received and continues to receive about this account. The bills are coming in XXXX XXXX, not XXXX XXXX. I disputed this information with Equifax, XXXX and XXXX XXXX. Equifax and XXXX refuse to remove this from my credit file even after sending in the proving documents. A pre-approved post card was sent to XXXX which is how she applied. A supervisor told me this could have been an error on the pre-filled application. 
My credit was good with no late payments EVER until this account was posted on my credit file. 
XXXX XXXX states XXXX XXXX won't accept a payment from her because my social security is listed not listed. XXXX has since filed Bankruptcy and this debt was discharged. 
XXXX XXXX continues to report past dues on my credit file and the credit bureaus won't investigate and fix this error on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26
Company: EQUIFAX, INC.
State: IL
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:
Equifax is reporting a chapter  XXXX  bankruptcy that was dismissed because I was not informed that the chapter  XXXX  could not be discharged, when I discovered this information I had the  BK  dismissed and paid the creditors I have been working on improving my credit and they will not remove this information

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: MN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Apparently I was provided as a " reference '' for an auto loan for a friend. To my recollection I was never contacted for the reference. Now the person with the loan in behind on payments and this company called me XXXX to have him " contact them ''. The first time I thought it was because I was the reference and the loan was just being initiated. The XXXX time I found out that they must be behind on payments. I did n't sign up for anything and they should n't be calling me.

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 2020-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 XX/XX/XXXX I called XXXX XXXX XXXX XXXX for assistance I was no longer able to pay my bills due to being diagnosed with XXXX and losing my job. They at that time gave me a lower interest rate on both the credits cards with them one ending in # XXXX and the other one # XXXX for what I thought was for 24 months cutting the minimum payments down to half. The one ending # XXXX was {$79.00} a month and the other one ending in # XXXX was like {$55.00}. In XX/XX/XXXX I went to pay the minimum per usual and noticed that the minimum monthly payments doubled card ending in # XXXX was {$150.00} and the other one ending in # XXXX went up to {$99.00}. I still made the minimum payment that I usually make the {$79.00} and the $ XXXX.I called XXXX XXXX XXXX XXXX on XX/XX/XXXX to see why the increase happened at that time I was told my deferral had expired. I explained my situation and explained that those payments was too steep. They told me to go to XXXX/XXXX. I immediately submitted the application. I kept messing calls from XXXX XXXX during the day being a XXXX XXXX XXXX. I finally call and get someone and request that I be contacted after XXXX XXXX  CST, however my rep was still reaching out even after that. I believe it was XX/XX/XXXX I finally spoke to my rep and she set up the deferment for 12 months on both my credit cards and my car loan. She said I don't have to pay nothing on my card ending in # XXXX and my car loan until XXXX and my card ending in # XXXX had to be paid on XX/XX/XXXX of {$50.00}. Now I was excited some of the pressure is received. Since that my credit score has dropped I had 2 alerts that XXXX XXXX is reporting me 30 days late. Called in and spoke to 3 different supervisor to say that they didn't mark me late to one saying just dispute it. Please look at the fact that I wasn't irresponsible that I tried to clear the matter up before it was too late. On top of that I paid on time consistently up until the minimum payment went up. They customer service is horrible all they reps act like you're less than because you can't pay your bills. I need for my score not to be effected so I can get another car. I currently pay a car note on a car that keeps breaking down on me. With the 50 points that my credit score just plummet I can get a wad of gum on credit. Please review the attachments.

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 2022-08-15
Company: BSI Financial Holdings, Inc.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My mortgage was sold to bsi back in XXXX from XXXX XXXX XXXX. I was previously on a deferred program with the company and opted to start back making payments once I did that my loan was sold. I mention all of that to say the new company BSI is listing my loan with them as deferred and my payments from XXXX - XXXX are not being reflected on my credit report. I reached out to the company several times with no results. I am currently trying to refinance but due to the incorrect information BSI is reporting I am gaving issues doing so. My previous deferral with XXXX XXXX XXXX does not carry over to BSI. Please remove the deferral listing you all have reporting on my credit report and please update my payment history so that it can reflect the payments made from XXXX to current

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05
Company: Rent Recovery Solutions
State: TX
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 owe for a broken lease and it was sold to a collection agency who is charging what seems like an enormous amount of interest. I would just like to know what is legal in Texas for them to charge in interest. The final account statement from the Apartment Complex is {$1600.00} however, the collection agency is charging an additional {$600.00} for a sum of {$2200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14
Company: SYNCHRONY FINANCIAL
State: CT
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
this is an issue of debt collection abuse this is against the lawXXXX XXXX has a pending case of debt collection abuse from cfpb

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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:
I applied for a Capital One Venture XXXX card. I have had a Venture card from Capital One for many years and have outstanding credit. The process Capital One put me through was so difficult and so intrusive that I gave up. I first had a XXXX call with a member of the Capital One application fraud area, in which they sent me a link to provide a picture of the driver 's license, which I did and was told by the representative they got it and no further action was needed. I then received a letter from Capital One saying I had to mail or FAX an image of my driver 's license, and confirm my social security number and home address. I could only be mailed or sent by FAX. I did so. 

A few days later, I was informed that the letter was incorrect and I had to send a copy of my original social security card. After several calls assuring that this was a legitimate Capital One request and not a fraud, I mailed the copy of the SSN card.

I was then informed that the mailed image of my driver 's license wasn't good enough for them, and I would have to mail it again. At that point I withdrew my application. 

I have never been asked to provide a copy of my social security card, let alone having to send this information only by mail or FAX, and it was especially galling given I had already given them my license image electronically ( which they claim to have lost ). This practice is abuse and unreasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12
Company: DISCOVER BANK
State: MN
Product: Credit card
Issue: Billing disputes

Complaint:
I am writing to dispute a billing error in the amount of {$600.00} on my account. The amount is inaccurate because merchandise was returned. I am requesting that the error be corrected, that any finance and other charges related to the disputed amount be credited as well, and that I receive an accurate statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: BARCLAYS BANK DELAWARE
State: AZ
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:
Around XX/XX/2020 I contacted Barclays Card to report fraudulent activity on my account. The company reversed the unauthorized charges but failed to remove the late payment they reported on XX/XX/2020. I tried contacting them recently to try and get this corrected, however customer services informs me that they are unable to go back past 12 months on my account ; therefore unable to investigate the late payment. Im contacting this agency for assistance in getting this late charge removed from my credit report.

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 2022-09-01
Company: Credit Karma, LLC
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX, I filed a dispute for unauthorized foreign transactions. Here is the case number provided : Case # XXXX No action was completed even though I completed a form that was required

Company response to consumer: Closed with explanation