BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-08
Company: Paradigm Assets, LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a collection account on my XXXX, XXXX and XXXX XXXX XXXX from - JHPDE FINANCE I , LLC XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX I first realized this collection item was listed on my credit report in XX/XX/2021. I have attempted to contact the collection company to verify this debt is actually mine and have also sent requests for verification to all three credit bureaus. I have written proof as the letters were sent certified USPS.

To date - none of the three credit bureaus nor JHPDE Finance I , LLC have responded to verify my debt. I have also attempted to call this company and can not find a working number or any method to resolve this matter. 

If the debt is mine, I will be happy to pay it. However, when I have a negative, collection item and am unable to see what it is for and am unable to contact the company it seemed appropriate to escalate this matter to the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: Resurgent Capital Services L.P.
State: CA
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 XXXX XXXX received a letter Resurgent Capital Services LVNV funding LLC reference # XXXX I dont know anything about this they saying I owe them {$1400.00} which I never opened an account with XXXXr XXXX  at all I have had credit cards but never XXXX XXXX I do believe my sister XXXX XXXX has used my information to open this account her telephone number is XXXX XXXX we dont communicate at all this has been done before she also has stolen my social and ID before the s incident happens in 2003 And I hope they can find out whats going on because they coming for the wrong person even though my name was used without my permission I never give out my information for anyone to use please save me from Identity theft You may lock at my credit report and see I never held an account with this company ever I do pay my bills I wouldnt let it get to this if I owed this amount of money hope you can help thanks XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: CA
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:
Equifax allowed my information to be stolen in their latest hack. 

They are responsible for any and all issues that arise on my credit from now on.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: Experian Information Solutions Inc.
State: MO
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 had excellent credit fico  XXXX i changed my due dates, that is aok to do! 
credit agencies dropped my score XXXX points the account is paid as agreed the balance rode an extra week because due date change you mess wimy insurance rates. 
the agency is fraudulent with your report that my credit worthiness dropped. FIX IT

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 2022-07-08
Company: LJ Ross Associates
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
LJ Ross NEVER sent any verification, yes they have a cease and desist as they wanted to harass me and illegally call my mother and discuss my affairs and have refused to send anything proving this is my debt. Attached is a fraudulent statement by LJ Ross to XXXX as they never sent me this information at all, this debt needs to be removed under FCRA as they are refusing to show me being a responsible party.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: Experian Information Solutions Inc.
State: AR
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 has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have a right to privacy.

15 U.S.C. 1681 604 section 2. It also states a consumer reporting agency can not furnish accounts 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 explanation
Consumer complaint received 2017-08-18
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I am a graduate of XXXX XXXX. I attended an online XXXX XXXX in XX/XX/XXXX, which I had to drop from due to motherhood, and then the XXXX, Tx campus in XX/XX/XXXX. The course that I had applied for ( XXXX XXXX ) had cost a little over {$46000.00}. I had completed the course and I graduated in XX/XX/XXXX. At the time of graduation, there was words going around that the XXXX campus was going to be closing down. At the time that I was attending the online program I was set up with a XXXX XXXX loan. Not knowing why I was being set up with it, when I was using my G I Bill because at the time I was a XXXX XXXX XXXX. I was promised job placement upon graduation and help with the career counselors with my resume. The career counselors seemed like they did n't know how to put together a professional resume to help students get the job of their studies. So now I 'm left with multiple student loans on my credit. I never had any desire of a student loan because I was entitled to use my post XX/XX/XXXX which I did and now I 'm stuck with them on my credit report and no job in the field that I study for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: DISCOVER BANK
State: IL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was initially charged for {$5100.00} in XXXXXXXX XXXX XXXX  for an unauthorized purchase. I had contested this charge and received no relief despite being clearly fraudulent. I recently received a charge back after once again disputing the charge this time to CFFB. The address, phone number, shipping address and email address used for the purchase do not match mine that was on file with discover. Clearly this was a fraudulent charge and Im being forced to pay for something I didnt purchase. Please help me resolve this clear case of fraud and absolve me of someone elses debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: EQUIFAX, INC.
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:
A XXXX Bank credit card account is still being reported as XXXX days late with XXXX, and Equifax. The account was previously reported 90 days late with XXXX as well. On or about, XX/XX/2022, a dispute was filed with XXXX regarding XXXX Bank ( Credit Card ) reporting XXXX the account days late. XXXX Bank XXXX Credit Card ) updated, and corrected the information with XXXX ( no longer being reorted XXXX  days late with XXXX ) on XX/XX/XXXX of XXXX  ; however, XXXX Bank XXXX Credit Card ), continues to report or relfect XXXX  days late with XXXX, and Equifax, and should not be.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
A XXXX Bank credit card account is still being reported as XXXX  days late with TransUnion, and XXXX. The account was previously reported XXXX days late with XXXX as well. On or about, XX/XX/2022, a dispute was filed with XXXX regarding XXXX Bank ( Credit Card ) reporting XXXX the account days late. XXXX Bank XXXX Credit Card ) updated, and corrected the information with XXXX ( no longer being reorted XXXX days late with XXXX ) on XX/XX/XXXX of XXXX ; however, XXXX Bank XXXX Credit Card ), continues to report or relfect XXXX days late with Transunion, and XXXX, and should not be.

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 2017-08-18
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Money was refunded and accepted from XXXX XXXX to a closed account through a debit card that was used for initial purchase. Wells Fargo states they accepted the money but then re-routed it back. XXXX did not receive the money and Wells Fargo will not provide any routing information or proof that they did this. XXXX has provided me with documentation that the money was accepted by Wells Fargo. Wells Fargo will not return my calls from the debit card office. I have dealt with a local branch manager that was trying to help me with this and ended with him just trying to assure me that the money was returned. The amount was {$420.00}. The money was sent to Wells Fargo on XX/XX/XXXX. Initial purchase date was XX/XX/XXXX.  Account at Wells Fargo was closed XX/XX/XXXX and debit card was removed from XXXX account by me shortly thereafter. I was told that refunds will be sent to the initial card it was charged on despite it being closed by customer. Both sides deny they have the money yet one of them does. The next step was that I filed a complaint with the Federal reserve and almost immediately got a call from the division of debit cards for Wells Fargo which I had left countless voicemails to without return calls. An employee, XXXX, was very helpful and placed a 3-way call to XXXX to resolve this. I was on the phone with her, someone from XXXX that she had called and we were transferred around until we got a manager from a call center that finally just stated that they would send the money in a check and that I would receive in in the next 15 to 25 days. I thought this was resolved until I never received a confirmatory email and of course never received a check. I then called XXXX and through several transfers got to a regional manager that stated that they have no record of the call, no check issued and stated that XXXX has a strict policy and would have immediately disconnected if they were ever on the phone with some bank employee. They again told me that Wells Fargo never routed any money back to them and it is likely in an account for unclaimed funds through Wells Fargo and they need to find it.

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 2017-08-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I received an email from the CFPB regarding the response to complaint # XXXX stating that the lender my loan was transferred back to now has an 15 days to respond to my complaint filed against its servicer XXXX. The two lenders are both involved in the same loan transaction. The lender that now has my loan, Bank of America, should continue where its servicer left off not be granted MORE TIME as my HELOC is resetting to a payment I can not afford and needs modification ( as explained in complaint # XXXX against XXXX ) I also made a payment of {$490.00} due just before the transfer which I never got credit for. Interest on the loan continues to accrue. Where is the payment I made? Because now they show me in arrears with a combined next payment due of over {$1300.00}. I can not afford that and will lose my home for sure!
Bank of America, which has my loan now, did reach out to me with a phone number but when I call and no one answers or returns my messages.
I need help and answers to my request for modification, not more delays. I feel I being passed around til I become severely delinquent, then WHAM! I/m in a hole I can climb out of.
I do not need to lose my home as I finally have a place to live that has been modified to fit my XXXX ( XXXX, XXXX XXXX ) If I lose my home to foreclosure because I can not afford this new HELCO payment, I will be left homeless.

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 2021-12-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX Portfolio recovery reported a {$470.00} collection account to my credit report, I contacted them explaining i never owed this debt however they said " I actually made payments on it '' which never happened they said this was a XXXX card and it had a New York address on it, I contacted XXXX they stated that my account is 100 % clear and i don't owe anything to them, After back and forth i learned that this debt belongs to XXXXXXXX XXXX which i contacted they said they'll file a report and they'll mail me the result within 60 days I've never gotten a single letter. 
On XX/XX/XXXX and 2 years prior to that I was literally living over XXXX miles away from the address they stated. I disputed the item to the credit bureaus but to my shock it came back validated. This collection impacted my credit with XXXX points and made it way harder for me to obtain credit. 
Portfolio recovery with XXXX rating from the XXXX XXXX XXXX insisted that i owe the debt, even though i gave up to their scam and paid them the money they'll still be on my report for 7 years, I believe that's highly illegal to play with some random people life 's like that. 
I've got in touch with multiple media outlets and gon na share my story if CFPB did nothing to my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am XXXX XXXX XXXX XXXX  I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to  be deleted completely from my Credit Report : XXXX XXXX XXXX Balance {$73.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Inquired on XX/XX/2021 2021

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 2018-08-20
Company: Early Warning Services, LLC
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Early Warning Services is reporting inaccurate information due to the OPM Breach in XX/XX/2015. I have submitted the documentation to the agency. XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have decided to escalate this matter to the Consumer Financial Protection Bureau due to the fact XXXX XXXX has failed to update the records related to a past due account that was charged off in XX/XX/XXXX. I wrote to XXXX XXXX on XX/XX/XXXX and again on XX/XX/XXXX. The account was paid in full ( {$590.00} ) on XX/XX/XXXX to the collection agency handling the account ( XXXX XXXX ). Despite my payment in full, XXXX XXXX XXXX has not updated the status of this account on my Experian report ( but has on all other credit bureaus ) to a current/paid status. Furthermore, they placed this account in charge off status on multiple occasions, including more recently in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, which makes is being reported as if I continue to miss payments or I am not fully paid on this closed account. I have tried numerous attempts to dispute the current status of this account to no avail with Experian and XXXX. I am in the process of purchasing a home and this item is affecting my credit score. I notified XXXX that my dispute is related to how the account is being marked as charged off, when it should be currently marked as paid/current. I provided additional documentation regarding the payment and the dismissal of this matter which was escalated to the courts of the District of Columbia. Correcting this item is proving to be an extremely frustrating task as I continue to be passed around in circles. Please let me know what additional information you need to correctly update these records immediately to reflect the current account status. Please feel free to give me a call with any questions or concerns.

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 2022-07-08
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Been dealing with this issue since XX/XX/2022 with Equifax of a file mixed up. Even after the dispute, police report, phone calls, Equifax is still addressing me by the wrong person and wrong poor credit score affecting me greatly. Even after sending in personal documents showing that its me. Which also proves you cant even trust to do that. This other person they have me mixed up with gets to reap the benefits of my once excellent credit score while I get the short end of the stick. Not only is this extremely scary to know this other person can see all of my personal information address social ect, they are able to get loans and credit cards off of my credit. I constantly receive this person mail of credit card offers while I was denied a car loan and missed out on getting my car due to this which I went all the way to another state to get, which is how I found out equifax made this huge mistake. The other credit bureaus display my correct credit score and information while equifax doesn't and wont change. Its displaying a poor credit score of XXXX I dont understand how this company can still operate dealing with peoples Personal information and life while making a huge mistake such as a file mixed up and nothing is being done. I must constantly send in my private information such as ID card and social security card to a company that receives it and still doesnt even acknowledge the wrong to fix it! This is absurd, terrifying and stressful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: EQUIFAX, INC.
State: AR
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:
FCRA violations : inquires not mine XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : account not mine XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
On XX/XX/XXXX I settled this account has co signer with XXXX  XXXX with a payment amount of {$1000.00} as agreed by the bank a supervisor name XXXX and representative named XXXX at XXXX intheir headquarters location. 
I paid with my XXXX XXXX account and they stated XXXX and XXXX floor supervisors that all credit Bureaus will be updated within 30 days! 

They have been falsely lying since XX/XX/XXXX the date I paid stating the I still old money after I paid them and have receipts, confirmation number, and 100 % proof of payment! 
And keep XXXX my disputes with the three major credit bureaus. 

They lie, over charged me while making payments before I paid them Out and these wrong information corrected immediately.

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 2021-12-26
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am in forbearance which I started in XX/XX/2021. When I started this I read all the information about it. But never saw anything about if I do this I would not be able to get another loan once Im out of forbearance unless I make XXXX payments in a row. Thats not what upsets me is fast forward to XXXX and I want to put the house on the market to sell. That is when i find out about the XXXX payments. I have sold my house and will be paying off the mortgage in a lump sum all at once. So I will not be able to Make XXXX payments so does that mean that I have to wait to one year to buy another house? I dont think thats fair. I am paying my obligation off in a lump some. So why am I being punished for something that was out of my hands?

Company response to consumer: Closed with explanation