BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have sent several requests to Portfolio Recovery per the Fair Debt Collection Practices Act, 15 U.S. Code 1681, Fair Credit Reporting Act section 623 ( a ) ( 1b ) and section 623 ( b2 ) requesting the show me the documents required by law that they have to hold me responsible to this debt. Also according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. 

At this time I am submitting this as so that the FTC will have on record that I have attempted on numerous occasions to have this company obey the law and they have refused to produce the documents they are required to have on file to continue to report this derogatory information. I have been given no original contract bearing my signature or documentation of any kind. 

It was advised that I try to have this issue resolved though the mediation of the CFPB before I filed suit in state court seeking remuneration for several things including but not limited to : Violation of the FCRA, Violation of the FDCPA, Defamation of character and Identity Theft as they have opened this account without my knowledge or consent. I have lost opportunities due to this illegally reported information remaining on my credit profiles.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
Company: U.S. BANCORP
State: MI
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:
Elan Financial Services shows i have account open on my credit report ( see attached ) which is completely wrong and incorrect. This account has been closed for years and years. i just checked my credit report and i noticed this incorrect reporting by Elan Financial, which violates the fair credit reporting act.  furthermore, the remarks are also incorrect and it is also showing i was late 30 days which is not correct. 

I ask the Consumer Financial Protection Bureau ( CFPB ) to address this matter to the fullest extent of the law, plus I will be filing other complaints with the state of Michigan attorney general office and the FCC if this is not addressed and correct immediately. 

these accounts must reflect status as closed, with {$0.00} balance, and not past due, as This is wrong and it must be corrected with all credit bureaus including XXXX, XXXX, and XXXX. 

Regards, 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 2015-10-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
on XXXX/XXXX/2015, I filed an dispute with Portfolio Recovery Associates , LLC. I advised them that I am not refusing to pay the alleged debt, but their claim is disputed. I advised Portfolio Recovery Associates to send me copy of contract with my authentic signature that begun this alleged debt and should the contract not be available with my authentic signature to delete the trade line off the CRA. More importantly, I advised Portfolio Recovery Associates that not complying wit the FDCPA will put their company in a bad position with the CFPB. Portfolio Recovery Associates never sent me a contract with my authentic signature that begun this alleged debt and is still reporting the account to the CRA .Portfolio Recovery Associates sent me correspondence dated XX/XX/2015, and it stated that they have responded to my previous disputes and there is not any new facts to form a new investigation pursuant to the fair credit reporting act U.S.C. section 1681s-2 ( a ) ( 8 ) ( F ) ( i ) ( 11 ) and no further replies will be forthcoming.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Company Name : Freedom Mortgage Website : https : //www.freedommortgage.com/ Phone Number : XXXX Loan Number : XXXX Name : XXXX XXXX XXXX Before I start I should say that the last customer service person I spoke with a week ago told me he sees issues like mine everyday and that Freedom Mortgage abuses Veterans. 

I have been begging to get off Forbearance for over a year and a half. You can listen to my calls and Ive been kind and patient but have pleaded to get back to a standard payment. 

In which time I have had 3 modifications presented to me and then retracted because they were wrong. I always have to wait 6 months to have it completed. I made payments and have no clue where those payments went. I am promised phone calls and return calls and they never happen. However in the mean time XXXX racking up interest. I have escalated to XXXX XXXX ( the XXXX  ) twice and when I think I have found hope they quit calling. Each week I get a call from collections and no one has any clue whats going on with my loan. They each look and see that the escrow is wrong and my payment should be lower and all agree but nothing ever gets fixed. I finally modified last month for a {$2900.00} payment. When my XXXX payment was done they changed the payment to {$3900.00}. No one knows why as they can look in the system and see the escrow is wrong. Ive had people quote me rates that are wrong, Ive been asked to present a letter of credit from the day I closed which was over 2 years ago. They said they needed it for a VA audit. This has been the craziest saddest customer service experience issues ever and its obvious they want my house. They are forcing me into a payment that Ive said I cant afford. I paid the {$3900.00} last month to avoid a 30 day late but I cant keep doing that. Ive been in and out of XXXX for the last year and that on top of getting zero resolve on my mortgage is draining. There are customer service records on my from over a year and a half and every service person that reads my records stated thats no way to treat a Veteran and then adds they see this all the time. Can you please help me. Ive been patient, I send them what they ask, I have seen other companies on their medications work with fellow veterans I know and they made it so easy. Why is it taking me a year and a half. I have had two service people try to blame me for this because they refused to go back and see what all has transpired and the errors freedom mortgage made on my file and the two failed mod attempts where they messed up The escrow numbers. There is no reason to take my payment to {$3900.00}. Please please help me. 

XXXX XXXX Phone : XXXX Address : XXXX XXXX XXXX XXXX XXXX Texas. 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 2016-08-19
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
MY MORTGAGE LENDER ( CALIBER HOME LOANS ) HAS DENIED MY LOAN MODIFICATION REQUEST AND THEY INSIST ON A SET OF WRONG ASSUMPTIONS ABOUT THE VALUE OF MY HOME!!! 
CALIBER REVIEWED ALL MY DOCUMENTS AND THEIR MODIFICATION DEPARTMENT STATED THAT MY INCOME IS SUFFICIENT TO QUALIFY ME FOR ASSISTANCE PLANS, BUT THEY SAID THE VALUE OF THE HOUSE IS TOO HIGH. 
I HAVE ASKED THEM REPEATEDLY TO PLEASE REVIEW MY EVIDENCES ABOUT THE POOR CONDITION OF MY HOUSE 'S INTERIOR, BUT CALIBER DOES NOT ALLOW ME TO AT LEAST PRESENT MY PROOFS OF THE LOWER VALUE!!! 
THIS IS SO UNFAIR TO ME THAT THEY WONT EVEN LOOK AT MY OWN COMPLETE APPRAISAL!!! 
THEY SHOULD AT LEAST JUST LOOK AT MY EVIDENCE, AND ALLOW ME TO PRESENT MY INFORMATION, AND THEN DECIDE IF I QUALIFY OR NOT. 
FURTHERMORE, I CURRENTLY HAVE AN ACTIVE FILE THAT AS OF TODAY CALIBER IS STILL REVIEWING FOR MODIFICATION AND THEY JUST ASKED FOR MORE ITEMS FROM ME. SO WHY ARE THEY REFUSING TO POSTPONE THE SALE DATE TO COMPLETE THEIR OWN REVIEW PROCESS???!!!! 
I 'M A SINGLE MOM STRUGGLING VERY HARD TO SAVE THE HOME FOR MYSELF AND MY KIDS AND THE LENDER SHOULD TRY & SHOW SOME GOOD FAITH TO COOPERATE IN FINDING A SOLUTION, INSTEAD OF CONSTANTLY PURSUING ONLY FORECLOSURE!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Issue: Rewards

Complaint:
Hi, I am an American Express credit card customer. In XXXX and XXXX 2016, I opened XXXX accounts with welcome offers of XXXX and XXXX membership rewards, and the minimum spends are {$1000.00} and {$2000.00}, respectively. After I spent the required amount to meet the requirement, American Express granted me the points of XXXX ( XXXX ), but soon they deducted the points from my account. Therefore, I contacted American Express to find out why. Every time the representative told me a different reason, but all these reason are not correct. For example, one representative told me some transactions were returned but he could n't locate which transaction was returned, because there was no such returning transaction posted to my account. Meanwhile, after contacting them, I did make another {$1000.00} and {$2000.00} spends to meet the required amount again, and then contacted American Express again in XXXX. This representative promised me that I should see the total of XXXX reward points posted to my account within 6-8 week. However, I have n't seen the points for more than 10 weeks. I think American Express is cheating on me and refuses to give me the points. Their representatives are poor-trained and always lying to customers. I think Consumer Financial Protection Bureau may be able to assist me to get a response from American Express and solve this problem. 

Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-07
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I applied to refinance my mortgage with XXXX to get a lower fixed rate. XXXX repeatedly tried to get a recent payment history from Household Finance Corp of Alabama ( HSBC ). This is required by XXXX in order to get a loan approval and HSBC does not report to the credit bureau. This process has been going on since XXXX 2015 with no resolution. HSBC refuses to fax the information and says mailing it will take up to 30 days. It has been well over 60 days without receiving the requested information. XXXX and I have called the company over a dozen times. I believe that HSBC is trying to prevent me from refinancing so that I will be bound to continue paying their predatory rates and fees. 
Also, it took a month to get pay off information. That information will be expiring soon and I do not want to wait another 30 days to get that as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: Experian Information Solutions Inc.
State: FL
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:
Ive noticed unauthorized inquiries on my report AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-03-18
Company: Checkr, Inc
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
everytime i feel out a job application they go in and make it look like I've been convicted of these charges when in fact they are pending and the job application states have you been convicted which my answer is no and checker background deliberately deletes the word " charges pending '' off my report so it can look like I've been convicted already this is so wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have contacted the company requesting a copy of my original credit card agreement with the original creditor. They have refused to respond to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My identity was stolen. I never applied for this account I have no idea where these accounts came from. These are fraudulent accounts, I never shared my personal information with anyone, I never gave anyone permission to use my personal information. These accounts were opened without my consent.

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: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Called Transunion and was told they would not investigate unrecognized inquiries on my report They are not correctly verifying items on my credit report I have disputed items in the past and they keep coming back as verified but no real investigation is being done by a live human being. I have uploaded letters from the court system stating that TransUnion has not reached out to them and that they have not verified any information. I was informed that TransUnion uses a third party provider and they pull information from public records. I have not authorized anyone to access my personal credit files

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 2022-03-18
Company: Kriya Capital, LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This debt was with a different company. I put a complaint through the cfpb before and it disappeared off my credit and now it is back as a collection with credence resource management. It says its from XXXX  which i have not used since 15 years ago. The account says active 2 months but this was originally saying XXXX of 2021. 

I called the company explained this was fraud. They would even call me and ask if I lived in Texas because that is where it occured. I gave them address I live in Virginia. 

I thought this was removed from my last complaint that I did through XXXX because it disappeared off my credit and now I show it now with a different account and as a collection. 

I never did any business with XXXX  in the last 15 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-12
Company: AMERICAN EXPRESS COMPANY
State: MO
Product: Credit card
Issue: Payoff process

Complaint:
our XXXX cards were cancelled. The account was turned over to XXXX international to set up a payment plan. We were told by XXXX that if our payments with XXXX were paid on time that our payments would not be counted as misses or late. our credit report indicates that we have 18 missed payments. We have made ALL of our payments with XXXX in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I am CEO of my own company, XXXX XXXX, a small consultation firm. The defendant, Midland Credit Management Inc., stole my identity and committed acts of grand larceny. According to my credit report, Midland Credit Management Incorporated tried to extort {$550.00}. They have repeatedly harassed and menaced my place of business in order to extort money from my business and commit new acts of grand larceny.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-19
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:
I did not recognize any if these accounts because on that period of time I did not visit hospital. Somebody used my personal information. Please remove incorrect information from credit report as soon as possible because it does not belong to me. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to  positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
Inquiries on my report Im not familiar with I contacted the creditors & bureaus I have not heard anything after like 43 days man I dont know whats going on. I need these inquires looked at and removed ASAP.

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 2017-01-04
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card
Issue: Other

Complaint:
Amex continues to decline my request to remove the account which I am no longer an authorized user in the XXXX report. 

I was added as an authorized user originally but the account owner closed the account, so it should not be reported on my credit report any more as I am not financially responsible. I was able to remove these accounts by submitting a dispute to XXXX and XXXX ; however, it did not work for XXXX and XXXX advised me to contact Amex. 

Amex Credit Bureau XXXX kept referring to 'legal reason ' or 'Fair Credit Reporting Act ' as a reason not to remove ; however, I am not aware of any issue like this and I had no issue removing my other accounts where I was added as an authorized user from XXXX and XXXX. Amex even told me to write a letter to their legal counsel if I want to get an exact legal answer and I do not feel this is an appropriate way to handle this simple request. 

Please help me remove this account from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I'm trying to buy a house and the information that my credit is reporting unknown to me it's all health information which is also illegal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-03-18
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dispute was denied. Account is not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-16
Company: ENCORE CAPITAL GROUP INC.
State: IA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
On XXXX 2017, Midland Funding LLC through their attorneys XXXX served small claims papers at my home regarding a 14 year old credit one credit card debt. The papers were not in an envelope and were given to a neighbor who was watching my new puppy as I was at a work function. The server was notified I was not home and he was not my spouse.The server than informed him that they just were legal papers to sue me in court for not paying my bills!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-01
Company: ENCORE CAPITAL GROUP INC.
State: CT
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Sent verification of debt letter, within 30 days of receipt of original letters from Midland ( Credit ) Management ( ADBA Midland Funding ). Did not receive any type of verification or validation of the debt. In addition, after sending the request for verification and cease and desist, I have again been contacted via mail and by phone. 
I am requesting that all accounts with Midland Credit be removed from all three major credit bureaus account due to noncompliance of the Section 809 of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief