BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-01
Company: Experian Information Solutions 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 information incorrect

Complaint:
Since XXXX, 2020 I've sent multiple letters as well as electronic disputes via the credit bureau 's websites disputing credit reporting that either doesn't belong to me or is reported incorrectly. 

There has been no response no response for the bureaus nor a correction!

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 2022-02-28
Company: ATG Credit, LLC
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:
Medical bill originated XXXX with XXXX XXXX. Bill was sent to 3rd party for imaging. That imaging company should have billed insurance. The bill was then sent to a collection agency. The bill was immediately set up, upon notice, on auto renewal payments since XXXX XXXX. XX/XX/XXXX the debit card was renewed and changed. The creditor payment fell into the next month once updated new card information. They received a double payment. They reported my account for the first time as delinquent in XX/XX/XXXX. This bill was not on my credit prior to the month of XX/XX/XXXX. I was told that there was a new law in effect letting them place this on my credit because of the XXXX payment. They are unable to tell me what that law is. I was told it is not their job to tell me. This company is ATG credit. I had excellent credit. This has inflicted derogatory on my credit. Once, I had became aware that insurance did not pay the imaging and sent to ATG I began and have continued to pay. I do not work for the company that I carried the insurance with for this bill to have them fix it. I just want the derogatory information removed. I have been paying this bill. I have copies of bank statements. The company also admitted to me paying it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26
Company: First Data Corporation
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I was working with XXXX as my MERCHANT PROCESSOR to processes my customers credit and or debit cards as payments. They then randomly froze all the funds from my customers and ripped out {$2000.00} from my account and claimed ID THEFT without any merit. I then provided them with all the identification items the requested ( which by the way was required by federal law for them to collect this information prior ) They then corrected that information. They then said that we were n't authorized to sell our products because we were only authorized to sell jewelry ( that to is a lie, the person that wrote our contract wrote service provider not jeweler ) So they lied on that to. They have not sent any deposits in 3 months for any of the funds my customers paid for. They are claiming that they now have to hold it in a non intrest baring account for XXXX months due the possibility of chargebacks. Keep in mind no chargebacks existed and they had no reason to hold my funds. They fabricated this, then after proving them wrong they went and removed the ID THEFT STATUS ( which by the way has prevented my company from being able to open another account and make money. ) Because we were unable to receive our funds from our clients we could n't afford to provide goods or services for all of them. Also we never received the customers money so they had not choice to do chargebacks to get the funds back from XXXX holding them. Now XXXX owes us around {$11000.00}. They gave us a written email from numerous employees saying that they will now be mailing us a check for {$6800.00}. I have in writing from them that they already mailed the check. Now another person says they have decided not to mail the check. They have held the funds for XXXX days now and are not answering the phone, they 've hung up on me, they are ignoring emails now. THEY STOLE MONEY FROM MY ACCOUNT WITHOUT MY APPROVAL. The dates on the account will show that no chargebacks accrued until after they did all of this. and now they are playing games and lying about sending me the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Portfolio Recovery acquired a debt from XXXX XXXX, which was charged off. Portfolio Recovery continues to use deceptive tactics to collect debts ( as included in CFPB action against Portfolio Recovery docket number 2015-CFPB-0023 ). Portfolio Recovery has only provided statements from a creditor ( not the original creditor ) and no contract was provided. The statements are evidence of a credit, ( I credited XXXX XXXX ), statements are not sufficient to validate a debt. It is proof that a credit transaction took place but it is not evidence of a debt. See case law XXXX XXXX XXXX XXXX XXXX v XXXX. I am also demanding an audit trail for this alleged debt. As per the documents attached Portfolio Recovery acquired this debt and therefore should have in possession all documents from the beginning of this consumer credit transaction. I demand an audit trail. I demand this account to be deleted from my consumer credit file with XXXX, XXXX and XXXX, this debt was not validated by me and I did not opt in with Portfolio Recovery to share any information. If you have documentation that I opted in with your company to share any personal information, I demand documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: Consumer Adjustment Company Incorporated
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have reached out to the company several time I sent in a copy of my identity thief report this account is still being reported on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In the month of XX/XX/2020 I used my Chase Slate Credit Card online at XXXX XXXX. The only reason I used the credit card online was due to the Pandemic, I could not visit the local establishment, It was closed due to the Covid-19 Virus. I used different amounts on different days, again using the credit card as a credit card, expecting to pay accumulated interest at the end of the month on my statement. In late XXXX I reviewed my account and Chase had charged me {$10.00} per use of my c.c. a total of {$220.00}. I immediately contacted Chase and set up a phone appointment with their local branch. Chase did not keep the appt., without notice to me. I contacted customer service and explained that I did not make cash advance withdrawals. I disputed their charges in XXXX and wrote letters of dispute to Credit Card Services XXXX. XXXX XXXX XXXX, De. as required by their on line dispute center. The company continues to accumulate penalties and interest on the disputed charges of {$220.00}. I finally got a hold of Chases ' Dispute Department today, XX/XX/XXXX. and spoke with XXXX XXXX. Mr. XXXX informed me that I can no longer dispute charges older than 60 days. I have communications with Credit Services dated XX/XX/XXXX and XX/XX/XXXX, well within the required 60 days disputing these charges. Mr. XXXX told me, again, that I can no longer dispute charge over 60 days. " The company is going to continue to charge interest and penalties on this account ''. This is what I would call an unfair business practice. I have, in good faith, tried to dispute charges that I feel have been applied incorrectly and not been provided with a answer to my dispute. 
All other charges on this account have been paid and I closed this credit card with Chase in writing. The balance on the card is now over {$600.00} and Chase continues to charge penalties and interest on original charges I have been disputing since XXXX. I find it unfair that Chase refuses to work with me on an agreeable resolution and continues to apply usury interest and penalties. 
I would like assistance in resolving this matter. 
I find it apprehensible that the banking system can strongarm me in this manner with total disregard to my rights as a paying customer. 
Thank You for your help on this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-20
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My property is in foreclosure due to a divorce. My Lender is OCWEN, I decided to sell my property to avoid having a foreclosure on my credit. I contacted OCWEN to let them know I was selling the property. I listed the property and have a approved buyer. A couple of weeks after that I received a notice that OCWEN had set a date to do a foreclosure sale on my property. My XXXX XXXX XXXX and I contacted OCWEN to see if they would postpone the sale date to allow the sale escrow to close verses foreclosing. They requested I submit a request for Mortgage assistance package and all of my financial information along with the proof the buyer was qualified. We sent it to them on XXXX XXXX, 2016, We spoke with them on XXXX XXXX, 2016 to confirm they received all of the required documents. They said they had. On XXXX XXXX, 2016 I received a response denying my request. My agent spoke with a representative on XXXX XXXX, 2016. They requested additional documentation. On XXXX XXXX, 2016 My agent spoke with them again. The representative told him the instructions previous given was wrong and that they should have never told us that. We requested again that they postpone the foreclosure sale to allow the sale escrow to close. They said they have to review it again. WE NEED THiS TO STOP. It appears OCWEN would rather foreclosure than to allow me to sale my property and prevent a foreclosure on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I respectfully request your offices provide me with competent evidence that I have ANY legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to ANY of the 3 credit reporting agencies ( XXXX XXXX and or XXXX ) this action may constitute fraud under Federal and State Laws. Due to this fact, if any negative marks are found on ANY of my credit reports by your company that you represent, I need them removed from all 3 credit reporting agencies. I also need documentation stating you removed the item from my reports.

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 2020-10-01
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am demanding justice. Equifax is continuing to ruin my credit file for no reason. Equifax has just trashed my credit file again by refusing to update my credit file by removing trash off of my credit file. these people cause a serious data breach XXXX knows who my personal info went to because of Equifax. taking this to higher authorities, XXXX rep 's, attorney general offices in both states XXXX, GA and Ohio. So sick of being sick and tired of this! I will see Equifax in court!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: Experian Information Solutions Inc.
State: WI
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:
experian has not provided a response to my credit dispute for over 30 days it has been almost 60 days since my dispute was sent for the target red card and XXXX XXXX XXXX credit card and loan accounts.

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 2016-02-12
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have disputed an incorrect collection that had been submitted against me from XXXX collection for 6 months now. I had disputed it as soon as it appeared on my credit report which I was alerted by Experian. I called Experian and submitted a dispute against this collection as well as the other XXXX XXXX and XXXX. I had submitted various disputes against that collection with Experian and XXXX and both came with results that the collection belonged to me. I was not challenging the fact whether or not it belonged to me I was challenging the fact that it was a Medical bill that had gone unpaid by XXXX. I explained to all XXXX bureaus that this bill pertained to a No-Fault accident that I was involved in. I was the passenger of the vehicle that was struck from behind. The vehicle I was in was insured with XXXX and the vehicle that struck us was insured with XXXX. My motor vehicle accident took place on the afternoon of XXXX XXXX, 2014. I had made my attorney aware of the bills and submitted it to them. I also made them aware that XXXX collection was contacting me and threatening that if I didnt pay I would be sent to collection. The Representative XXXX who works with XXXX collection was really rude and when I tried explaining my situation she hung up on me. My credit report shows no late payments, my credit history is mint and everything has always paid on time. This is what I have on my side and I explained to the credit agencies that if I were responsible for this bill I would have paid the {$200.00}. But I am not. This collection has stopped me from purchasing a home and has been damaging to me and my credit history. I have tried many times to contact the credit bureaus and with no resolution. XXXX has been the only one who removed and deleted this collection off my report. My attorney has also submitted a letter notifying the collection company to hold off collection due to the fact the case is still open and pending settlement. And they continue to notify no payment/ or delinquent on my credit report. My case is still in litigation and my attorney who is representing me is seeking to schedule an examination under oath so we can finally close this case.

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 2016-05-19
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint:
Challenge an unfavorable section or oversight on my credit report. I am for the most part unsatisfied with CRAs reporting mistaken information, and other. XXXX archives/attach.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I demand that the following account be deleted, all collection efforts cease and any information about this account sent to credit agencies/bureaus be removed immediately!! 

JPMCB AUTO Date Opened : XX/XX/2019 Acct type : Auto Lease

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-01
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
the barclays bank charged me a credit card interest for {$350.00} on XX/XX/2020. I tried to contact them to solve the problem but they could not waive the extra charge. This is the case. I used the credit card to purchased an item a year and half ago. The promotion offer 18 months no interest charge. I set up an autopay. the total balance was supposed to pay off before expiration. In this XXXX, XXXX they send me an email said they would offer payment assistant to help customer to defer payment during the pandemic time. So, I enrolled to the program and skip two payments. Until XXXX, I have money and then started to pay them back but last month I missed an payment, I thought I set up autopay but I didn't know what happend until they call me said my payment was past due. So, I login to my account and then found out they charged me extra {$350.00} for interest because my promtion is expired and I didn't pay off the balance. I contacted them but they coul n't slove the promble.

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 monetary relief
Consumer complaint received 2020-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 the first time my identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent. 

XXXX/XXXX  XXXX {$910.00} XXXX  XXXX {$1000.00} XXXX XXXX XXXX {$98.00} XXXX  XXXX  XXXX {$450.00} XXXX   XXXX XXXX {$1200.00} XXXX  XXXX  XXXX {$560.00} XXXX   XXXX XXXX  XXXX {$1400.00} XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX XXXX XXXX {$77.00} XXXX  XXXX {$10000.00} XXXX  XXXX {$1200.00} XXXX  XXXX  XXXX {$550.00} XXXX XXXX XXXX XXXX XXXX {$14000.00} XXXX XXXX  XXXX {$180.00} XXXX XXXX XXXX XXXX XXXX {$16000.00} XXXX XXXX  XXXX {$2100.00} XXXX  XXXX {$3500.00} XXXX/XXXX XXXX {$1400.00} XXXX XXXX XXXX {$180.00} XXXX  XXXX {$600.00} XXXX   XXXX XXXX {$1500.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}

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 2016-01-19
Company: Paypal Holdings, Inc
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
money was fraudulently withdrawn from my checking account using my debit card. 
the charge was by PP*XXXX XXXX SC according to other web sites, this ph number has been used in stealing money form other peoples accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Faxed in modification paperwork XXXX and another 9 times! Faxing again today XXXX! Bank keeps asking for paperwork, explained co-borrower no bank statements no tax returns due to under threshold! Now letter dated XXXX says out of review and now getting paperwork from an attorney about foreclosure!!!!!!!!!!!

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 2016-06-17
Company: BB&T CORPORATION
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Regional Acceptance Corporation in XXXX Ga is the worst I do not want to include my name because they may continue to harass me. But that Supervisor XXXX XXXX is horrible she does not know how to talk to customers and I hate that I asked for a supervisor. She is nasty, rude, and very unprofessional and I do not know who hired her she is nasty. I have spoken to her maybe twice at the end of the month and she told me one time that well maybe you ca n't afford the vehicle and it 's an affordability issue. Life happens and things happen and I know that I took out this loan but for her to talk over me while I was trying to explain what was going on and she just cut me off so disrespectful. I told the young lady that I was talking to not to transfer me to her, but she insisted. They can just come get the car if she has to be that rude.

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 2016-02-10
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I have paid what was told to me as an outstanding balance unpaid in addition to make payments arrangements which are currently being taken out of my bank account only to have Navient continue to harass me and my references. I am also still in school and did n't understand why I was already having to pay them back. I did n't get an explanation on as to why, I just kept getting threatening letters and non stop phone calls. It is my understanding that if I 'm still in school I can have my payments deferred, I found that out by looking into my rights. I still have yet to have someone explain it to me and continue to get threating letters saying if I default on my loans they will take all my tax return and I owe the full amount. I would like someone to assist me who can make some sense of this for me. I feel I get no where when I speak to a Navient representative.

Company response to consumer: Closed with explanation