BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-22
Company: Bread Financial Holdings, 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:
good afternoon dear agency : I suffered a fraud when I took a taxi I forgot my wallet inside and someone stole my cards and they used them to do various things because they bought a lot of things in my name I called the stores to cancel they didn't cancel instead I got a lot of calls from companies every day they are calling me asking me to pay the bills and it was not me who bought them please i want you to delete all these fraudulent accounts that are on my credit please

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-03
Company: Blackwater Capital Group LLC.
State: OH
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I got an installment loan from XXXX loans in XXXX XXXX. I began making payments to the company, but, after my husband was hospitalized, I had a income declination and was unable to fulfill my debt. I emailed the company in XXXX or XXXX asking them to offer me a settlement amount. I went to my bank to get the matter resolved. I received no contact from the company. However, in XXXX XXXX, I received a call at work from a company called the XXXX XXXX XXXX ( XXXX XXXX ) stating that they had the account. I asked him to NEVER call me at work again. We set up arrangements on the account and I told them that I could send the payment via money order, but, he insisted that I give him a debit/credit card number. After tirelessly arguing with him about not having a card, I discovered that I did have an old debit card from school. I told him that I would have to go to the school to load the card ... I was unable to do so because the school was on XXXX break. I informed him of that. A day later, he found a cousin-in-law via Internet and called him regarding my debt. Then, on XXXX XXXX and XXXX XXXX XXXX, he located my mother-in-law and did the same thing, He held a conversation with her and left a message on her cell phone on another occasion. I have never listed either of the XXXX people contacted on any application that I completed. I am not sure where they got each cell phone number from, but, the XXXX XXXX XXXX has found a way and they have been constantly calling and harassing my mother-in-law. I am wondering if there is something that can be done about this matter. The company has all of my contact information, there is no excuse. Also, the day that XXXX XXXX called me at work, I called him from my daughter 's cell phone when I got off from work. He asked me if it were ok for him to call me at that number ( must have shown up on caller-id ), I told him NO! I said this is my daughter 's phone. Nevertheless, he called a few times and left a message on her phone on XXXX/XXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23
Company: Empowerment Ventures, LLC
State: OK
Product: Prepaid card
Sub-product: General purpose card
Issue: Adding money

Complaint:
I have added money to my Rush Card today and have not been able to access it. I spoke with a rep and was told that she was unaware of when my funds would be available for me to use, now my family of XXXX will be without a phones and have to pay reconnection fees to get them turned back on. This is very unacceptable being that i have a set income and do not have the money to pay them. I will no longer use this company after i receive my funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-01
Company: SQUARETWO FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I asked for initial application showing where i signed for this debt non produced.The debt collector stated the name as XXXX.My name is XXXX.Im currently XXXX i didnt open this account i think the info is mixed up.Please delete off my report.Im currently qorking with debt doctors and filing bankruptcy.I have no success to get off my credit

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01
Company: Ditech Financial LLC
State: AL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
almost XXXX years ago i paid a group called XXXX of XXXX CA, almost {$2000.00} to obtain a HARP loan they didnt get me my loan but gave the paperwork to XXXX WHO SOLD IT TO GREEN TREE LOANS WHO I HAVE THE HARP LOAN WITH NOW but during this time i aome how had a {$15000.00} adjustment add to my loan of {$90000.00} so now i owe over {$100000.00} on my house an the balance showes {$85000.00} i want to sell my house but it only appraise for {$92000.00}. i had a off er of {$90000.00} then found out about the extra {$15000.00} attached to the loan an can not get any answers from anyone about the extra {$15000.00} what do i do?? thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Experian had added conjecture to my credit report of which I do not PAY them monthly for this unprofessional service! I have written letters and sent emails to NO AVAIL! 
XXXX XXXX, XXXX and XXXX have notes that the " consumer distributes, or disagrees. '' I have asked that they be removed. After waiting everyday last week and this week on the consumer service line for at the minimum XXXX minutes I am told the creditors say it is your bill. No kidding. Take the verbiage off " consumer distributes, or disagrees. '' I am also writing to the XXXX for assistance. EVERYONE should know that Experian is a friend of collections agencies, and that they are violating my Fair Trade Laws.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-05
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
this is a continuation of the case # XXXX against CHASE BANK TWO MONTHS AGO ON XXXX XXXX THEY RESPONDED THAT I HAVE CREDIT BALANCE OF XXXX AND I OWE THE MORTGAGE FOR XXXX XXXX XXXX XXXX TOTAL DUE {$1200.00}. WHERE AS I HAD ALREADY PAID FOR XXXX XXXX AND THEY CLAIMED THEY DID NOT RECEIVE MY {$900.00} PAYMENT IN XXXX XXXX. 
I SUPPLIED THEM THE ENTIRE PAYMENT RECORD FOR THAT PERIOD.. 

NOW THEY CAME UP WITH NEW THING THAT MY ESCROW IS SHORT OF XXXX AND I AM STILL A MONTH BEHIND. 

DO THE CHASE HAS ANY SINGLE EDUCATED PERSON LEFT IN STAFF SO THAT HE/SHE CAN GO TO MY PAYMENT HISTORY AND CALCULATE HOW MUCH I PAID IN LAST 45 MONTHS AND HOW MUCH TOTAL I WAS SUPPOSE TO PAY IN LAST 45 MONTHS. 
IS THIS TOO MUCH I AM ASKING .. IT WILL TAKE LESS THAN 2 HOURS TO GO TO EXCEL SHEETS AND JUST VIEW ALL PAYMENTS MADE AND THAN JUST VIEW HOW MUST WAS DUE. 

THEY DO NOT WANT TO WORK THEY JUST LIKE TO HARASS CUSTOMERS BECAUSE THEY GET PAY FOR THIS TOO. 

SHAME ON CHASE BANK. 
BUT I PROMISE I AM NOT GOING TO PAY TWICE EITHER NO MATTER IF I HAVE TO GO TO THE COURT ... 

XXXX AND XXXX XXXX LOAN # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I have tried XXXX times to purchase my report and score from Equifax. I have been told to send current photo idand social security to them to correct my personal information. I was told there were too many " soft '' inquiries on my report ; therefore I am not allowed to pullmy credit report. I have been dealing with the problemfor several weeks. My report is not being updated on aregular basis compared to XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-28
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
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:
I pulled my credit report and found inquires that i did not authorize on my credit report iv contacted these companies listed below by phone, email and mail and know has reached out to me or further more no one has even sent an updated report advising me they would be removing these unauthorized inquiries.   Paramount Residential Mortgage Group   XXXX   XXXX    XX/XX/2017      XXXX     XXXX   XXXX   XXXX     XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I received a payday loan from Ace Cash Express and it has fallen into default. I have been unemployed for the better part of the year and have begun receiving calls from someone named XXXX XXXX at a collection agency and when I called back to speak to him, I was told that person does not work at that agency. Then I spoke to someone who said i was being charged over a XXXX dollars in court fees aside from my borrowed amount. I called ace cash and they told me to call XXXX and no one answers I have called so many times trying to speak to someone about payment options. I told the other people XXXX XXXX to stop calling me and they have kept calling me and will not leave me alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09
Company: ATG Credit, LLC
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
I already submitted a complaint against ATG on XXXX XXXX, # XXXX. ATG collection received debt that I owe. I contacted a credit consolidation service ( XXXX XXXX XXXX ) to negotiate with ATG for this debt. They are in the process of doing so. ATG keeps calling my work phone and sending me letters after XXXX XXXX XXXX sent them a cease and desist letter. Again, they called my work phone # on XXXX XXXX, 2015 at XXXX. This harassment has to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03
Company: Go Capital Holdings, LLC
State: LA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
My XXXX i-35 infinite vehicle was wrecked back in XXXX XXXX. The owner that hit my vehicle his insurance company paid off my vehicle in XXXX XXXX. It was total paid off to the " Go Financial '' company. My name should have been submitted so that my credit score could improve. XXXX XXXX ***********

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
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:
This is my six attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX Date Opened : XX/XX/2019 Balance : {$11000.00}, XXXX XXXX Date Opened : XX/XX/2019 Balance : {$3700.00}, XXXX XXXX Date Opened : XX/XX/2019 Balance : {$5000.00}, XXXX XXXX Date Opened : XX/XX/2019 Balance : {$7900.00}, XXXX XXXX Date Opened XXXX XX/XX/2019 Balance : {$7600.00}, and XXXX XXXX Date Opened : XX/XX/2019 Balance : {$11000.00}. 

Again, the accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft.

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 2016-02-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I paid this account to portfolio recovery from XXXX it was a settlement that we made, so by me making that payment it was going to be deleted and not to be on my credit reports.i been disputing it for over a year and still damaging my credit.and also XXXX goes and also reports the same account as ... a charge off they XXXX sold the account to portfolio recovery and again I been disputing it over a year.also my last payment was in XXXX 2008 and do n't understand why XXXX still reporting it.. I need some help on this..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Portfolio Recovery is attempting to collect a supposed debt from me while refusing to provide me with proper verification of said debt. All the while damaging the credit score that I 've been working so hard to repair.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NV
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
Portfollio recovery continues to call me after I have asked them to only contact me through mail. I do not want to be contacted by phone and they continue to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-18
Company: TOYOTA MOTOR CREDIT CORPORATION
State: IL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Lexus financial is taking 2 payments per month out without my authorization because of an accounting error on their end. additionally they have cost me overdraft fees and they refuse to reimburse me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
The credit card account was closed. Then I received a phone call from XXXX claiming that I made airline purchases using that account. I informed XXXX that there was fraud on that account because I did not make any of those purchases. They then had me fill out fraud forms which I returned to them. I was told by them that the issue would be resolved. A few years later I received a collections letter from Portfolio Recovery Associates stating that I owe {$1400.00} from the XXXX account. I explained to them that there was fraud on that account and that I did not owe them. Portfolio Recovery dismissed my statements and said I would have to pay that amount.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
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 do not recall ever having an account like this. Sent a request by mail to please provide evidence and nothing has been receive. Please help The account in question is through Portfolio Recovery Asso # XXXX showing

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I made a payment and satisfied a credit card debt in XXXX of 2015. I Never received a letter stating that it was paid. I just realized it is still showing up on my credit report as not paid so I called them and asked them if they could send a letter out that I paid it. They acknowledged that I did pay it but refuse to send a letter. They said that all their letters are approved by their legal counsel and they 're not allowed to send letters stating the debt was paid on a certain date. They only sent a letter stating that I do not owe anything but it has the date the letter was sent not when I actually paid it. So if I send this to the credit bureaus they would think I just paid it when in fact I paid it almost a year ago. This will prevent the account from dropping off my credit report for an extra 11 months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
Portfolio Recovery has been told this debt is way beyond the collection time for the State of Michigan. They have been told both in written form and verbal form that this debt is beyond the 6 year statute of limitations set by the state. Yet they continue to call daily.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Portfolio Recovery Associates filed a judgment against me for a debt that I did owe. I sent them a cashier 's check which they cashed on XX/XX/XXXX. I received a letter that my balance is 0. I have spoken to them on the phone numerous times with them stating my balance is 0. Now XXXX months later, they still have not processed my warrant of satisfaction. I have called the court to confirm that they have not received this paperwork. So I have a judgment on my credit report and with the court that I no longer owe. I have called them on 4 separate occasions to have this cleared up only to be told that I can call back. I am sorry but I should not have to keep hounding them to finish this up. I paid the debt, I no longer owe it so the warrant of satisfaction should have been filed a long time ago. This is the second time that I have had to file a complaint against this company. I do not trust them at all!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-26
Company: American Accounts & Advisers, Inc.
State: MN
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I have been receiving harassing, threatening, profane and XXXX threats telephone calls from American Accounts Advisors in regards to a debt of {$120.00} and {$240.00} I do not owe. The debt do n't belong to me. I am a victim of identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-11-29
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
Chase bank permitted an unauthorized person to sign checks, order checks, draft money in-person, establish ACH recurring payments from an Estate account. This person had NO authority from the Vermont probate court and also this person had no signature card on file. Also Chase bank allowed the previous Estate administrator to in-person draft large amounts of cash without any due process to the disposition of the funds. 
On XX/XX/XXXX I was appointed by the Vermont Probate court as the XXXX Estate Administrator for my sister who passed away XX/XX/XXXX. Upon my sisters death the Vermont probate court appointed my Mother as the administrator of my sisters Estate and this is when the Chase estate account was established. From XX/XX/XXXX to XX/XX/XXXX my mother was in XXXX for almost the entire time until her death on XX/XX/XXXX and was unable to perform her duties as the Estate administrator. During this time many unauthorized transactions were performed and Chase permitted most of the incidents. Upon my appointment as administrator on XX/XX/XXXX I went to a Chase banker to establish myself as the Newly appointed administrator and XX/XX/XXXX I was granted access to Estate account. During my initial meeting with the Chase banker we discovered multiple discrepancies and files the initial temporary claim. Since this time I submitted a full claim on each fraudulent item in the bank account and I am being denied the claim ( s ) based upon the date I filed the claim exceeded the Chase time window. How can I file a claim for something I did not have access to see? I did not know of the fraud until I was granted access to the account. Since them Chase has pulled back some of the temporary credits not all of them and will not give me a final decision on the remaining. I feel they are hiding behind the date / time period for submitting the claim and in this case I believe the time requirements should be waived so we can receive our returns and begin to deal with all of the fraud in this account. These fraudulent transaction by Chase representatives and my step father should have been prevented by Chase bank instead it looks like they were permitted by Chase bank. My family is torn apart with the death of my sister and a year later my mother and only to find Chase did not perform due diligence to protect my sisters assets. 

Estate of XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief