BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I contacted Portfolio via email and by phone to structure a settlement of {$300.00} as I am poor and can not afford to pay {$630.00}. I have been unemployed since COVID, and that's been a year. Recently the winter storm prevented me from even doing XXXX  as it has been very difficult to drive.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A letter was sent to me from XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX stating the decedent my wife XXXX XXXX purchased goods and/or service in the amount of {$670.00} evidenced by account number ending in XXXX and sent that I'm the beneficiary, I'm responsible for this bill. i have sent a copy of the beneficiary. that didn't work. my name is not on any credit card statement and i didn't sing any thing when she open that credit card account back in XXXX or XX/XX/XXXX. When i talked to one of the representative in XX/XX/XXXX i told them i might could pay it but i didn't seek didn't legal advice at that time because i didn't understand my legal right on decease spouse at that time, and now they put it on my credit report witch it shouldn't be. i never had any dealing that company. if I'm the estate all her funs went toward her funeral and to her kids i just made sure that she had a enough money for her burial, and plot. I'm a veteran of the XXXX XXXX and if i have to get a probate lawyer i will.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was sent through my University of XXXX XXXX email about a " XXXX SURVEY APPLICATION JOB '' on XX/XX/2021. I emailed back under the impression that it was a job through my university. The instructions were to receive a check ( {$1800.00} ), purchase XXXX XXXX related supplies, send the remaining and keep {$220.00} compensation, send back remaining funds, then carry out survey. I received a check via mail via XXXX  and cashed it to my bank. It was not until the check bounced after I sent back the remaining funds that I realized I was scammed. 
I was emailed by XXXX XXXX from XXXX XXXX XXXX XXXX XXXX Check was from The Fund for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX {$220.00} was kept in my account. 
I used funds to follow instructions of purchasing XXXX XXXX  related items ( to later distribute and conduct survey ) Sent two {$500.00} payments to XXXX XXXX XXXX through Wells Fargo XXXX on XX/XX/2021 and XX/XX/2021. 
Remaining amount of {$530.00} was sent to XXXX XXXX XXXX via XXXX. 

I called Wells Fargo to report the fraud. They reported it, however, I was to still pay the funds back and they would not take any further action without a police report. 

I called three XXXX stations and each one of them rang until it went to voicemail or call ended.

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 2017-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
During the week ofXX/XX/XXXX, I reached a settlement on the two credit card accounts I have with XXXX. On XX/XX/XXXX, I paid off both credit card accounts with XXXX for the settlement amounts, ending in XXXX for {$560.00} and XXXX for {$4400.00}. XXXX has reflected the payments I made to the 3 credit bureaus XXXX, XXXX, and Transunion, but refused to report the accounts paid in full and the remaining balance is posted as due and owing. I contacted XXXX on multiple occasions and was told I would be receiving a fax, which never occurred. On the most recent call, I was told the fax would take 10 days from XX/XX/XXXX which is an unreasonable length of time ( over 21 days since payoff, if it is ever sent ). I have previously exhausted the dispute process with the credit bureaus and since no letter was provided by XXXX I am unable to provide written proof of the settlement. Verbally, XXXX acknowledges a settlement was reached and the account was paid. However, they refuse to simply put it in writing on a brief document and provide it to the consumer, and have not updated the accounts as settled with the three credit bureaus. They state it will take 2 or 3 MONTHS to report the settlement! I feel XXXX is intentionally delaying since they have received their payments, and this is unfair to the consumer. I paid promptly upon settlement, XXXX needs to demonstrate the settlement promptly in writing and with the three credit bureaus. I have attached a copy of my triple bureau credit report which reflects the XXXX accounts that are incorrectly reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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:
On XXXX XXXX, 2017 I called Bank of America credit card Dispute and told them that XXXX have n't received a payment in the amount of XXXX and I told them I want open up a Dispute and they refused and told me once it cancelled I ca n't reopen it I received a call from XXXX rep today on XXXX XXXX2017 and they told me they have n't received XXXX from Bank of America and my service will be interrupted soon for non-payment so once again I called Bank of America again and ask to speak to supervisor and she was rude and told me they released the funds back to XXXX and until this day XXXX have n't got the money yet ... ...

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 2022-05-01
Company: Exeter Finance Corp.
State: LA
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:
Exeter Finance received a copy of my credit report on XX/XX/2022 and I do not recognize who that is.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: TAYLOR MORRISON HOME FUNDING, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We applied a mortgage with Taylor Morrison Home Funding , LLC ( which is the in house lender for XXXX  XXXX  in the new home purchase agreement ). When we were told by loan officer that our loan was not approved by the underwriter ; instead of receiving the reason for rejection, they sent us an email stating withdrawn by applicants. 

We have never verbally or in writing withdraw our application. This is happens when there were less than 30 days before we supposed to close on the house. Now the builder ( which is affiliated with Taylor Morrison stated clearly in the purchase agreement ) pressured us to go with another bank otherwise we would not get our earnest money back. I feel ( its a conspiracy ) this is a common practice where they are forcing borrowers to get a high interest loan because both salesperson for the builder and Taylor Morrison mortgage banker said we would definitely get a loan from this lender ( XXXX XXXX  ). This also avoid the chance the purchase agreement would be void due to the inability to obtain loan from Taylor Morrison Funding. 

I tried to reach out to Taylor Morrison ( via email asking for an explanation ) and they have not replied as to why they put withdrawal by applicants when we were told that loan was rejected. 

I feel they are conspired to refuse a loan and direct us to another bank with higher interests. This seems to be an unethical and fraudulent practice and I am really scared to lose my earnest money ( pressure from salesperson from XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-02
Company: Valley Collection Service, LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Valley Collection Services ( VCS ) and I have reached settlement however, VCS wants payment prior to providing a written agreement regarding the settlement. A 'paid in full ' and a 'payment agreement 'are two different letters. I will not make any payments unless a written document explicitly indicates that a PENDING {$90.00} payment will settle the account in full as agreed upon. Once a payment is made then a 'paid in full ' letter can be distributed. The arbitration terms are with XXXX XXXX XXXX, but Valley Collection Services is what is reflecting on my credit report. If I can not receive a pending agreement letter indicating the {$90.00} will settle the account, I will take further action as VCS has acknowledged an agreement was made through a Better Business Bureau complaint. I will not make a payment then receive a letter after-the-fact, as I have no clue if the letter will comply to what was agreed upon. I am not making 'payments ' toward any balances. This is a 'settlement ' payment. The service was only performed once for {$90.00} while I was not home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-01
Company: Experian Information Solutions Inc.
State: SC
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:
One year ago, I took a fall in a parking lot and caused significant damage to my face and left hand. I was taken to the XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, NC. The XXXX XXXX company was responsible for the bill and they negotiated a price with the hospital, the bill was paid, however not before it was turned over to collections. The collection process is being handled by the XXXX XXXX XXXX in XXXX, Ohio. 
I have provided clear documentation to both Experian and the XXXX XXXX XXXX and have disputed this report on my record several times to no avail. They appear to be ignoring the evidence and continue to have fraudulent information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I've been dealing with PORTFOLIO RECOVERY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX for over a year now going back and forth without any resolution in sight. I've contacted them by letters XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and over this past 2 weeks by several emails. I've asked them to do their research in finding out who and where the past payments on this account came from and they just will not do their jobs. This account does not belong to me and never have. I have requested the following : 1. A copy of any agreement with XXXX XXXX thaXXXX bears MY signature 2.PROVE that any payments made on this account came from any banking account bearing my name and address associated with XXXX XXXX. Someone made payments on this account in the past, AND IT WASN'T ME, but PORTFOLIO RECOVERY XXXX, XXXX WILL NOT DO THEIR JOBS. The following amounts were paid on this account. WHERE AND WHO DID THEY COME FROM? That's all I want them to do, SIMPLE! Once they find out that I NEVER made a payment to this account and it doesn't belong to me, then they can remove from my Credit Report. 
XX/XX/XXXX in the amount of {$200.00} ; XX/XX/XXXX in the amount of {$160.00} XX/XX/XXXX in the amount of {$61.00} XX/XX/XXXX in the amount of {$100.00} XX/XX/XXXX in the amount of {$200.00} XX/XX/XXXX in the amount of {$150.00} XX/XX/XXXX in the amount of {$140.00} XX/XX/XXXX in the amount of {$130.00} XX/XX/XXXX in the amount of {$210.00} XX/XX/XXXX in the amount of {$200.00} XX/XX/XXXX in the amount of {$200.00} All they keep doing is generating the same letter 2 to 3 times a day and the letter reads : " We requested that you send our company additional information to the account referenced above so that the Dispute Department could complete the investigation of the alleged dispute. How can I send them any more information to something that I know absolutely nothing about?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: Paypal Holdings, Inc
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
3 months ago venmo frozen my account. I gave them everything they asked for and they permanently deactivated my account and wont give me my XXXX $ back

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-01
Company: CBC Companies, 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:
Hard to cry was poured on my credit report that I did not give permission to do I have tried to resolve this situation for the last couple of weeksAnd it is still happening XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: EQUIFAX, INC.
State: PA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX is now in XXXX and they do not know our laws and are told to just say no on evrrything you send or call od tel l them aboput fraud or freeze on credit report. 
I have 5 hard inquireys that are n o t mine at all and 2 accounts that arent mine. I sent them police repirt and they said they didnt get. I called and told them to dispute and they didnt understand, hung phone up.They did not do fair credit reporting agencies section 604, 609 o r 611 on my investigation or did it at all. The info on problems are below.

1. 2 accounts with XXXX XXXX  are not mine. 
2. XXXX says I was late on.psyments 4 years ago snd I keep sending them documents showing I made payments on the dates thry said. 
3. XXXX finance says I was late on payments when over seas in war before internet was even like it is now.

4. 5 hard inquireys. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX all in same month bit they say it was me and it wasnt. 
5. XXXX 7 years ago had fraud on my file for XXXX dollars and they want take off like federal and especially state of Pennsylvania it is against law after 4 years. These new breed of empliyees just say they help and either hang phone up or lie. This is what they teach these foreigners how to make it so hard to fix fraud. They lie when they had lawsuiye and now worse. 

If they would go by federal and state law then I would be fine. 

XXXX XXXX XXXX XXXX XXXX XXXX paXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On or aroundXX/XX/XXXX I pulled a copy of my credit report after I disputed XXXX XXXX  in which it was removed from my credit report. On or close to XX/XX/XXXX XXXX XXXX  was added back on to my report and the credit bureau has failed to send me any notice of this change within XXXX days like the law states. I am aware that in accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within XXXX business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion or, if authorized by the consumer for that purpose by any other means available to the agency. I received no such notification. This is a very serious violation of the FCRA and I reserve the right to pursue legal action for your XXXX disregard for the law.

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 2022-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
15 U.S. Code 1681- Congressional findings and statement of purpose There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Wrong accounts : 1. US DEPT OF EDU XXXX XXXX DEPT OF EDU 3.XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Wrong Inquiries : 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  15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2018-06-04
Company: Reliant Financial Corporation
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
about XX/XX/XXXX we bought a car from XXXX 's XXXX in XXXX XXXX WA. The manager XXXX, The car was not properly safety checked and we spent {$2800.00} in repairs for suspension work. They told us the tires were bad and we found out there was serious safety issues with the suspension. We were also told that the lights on the speedometer were out and the bulbs needed to be changed. When we removed the speedometer and we found there was fire damage and the dealer told us to replace it and they would pay for it. We kept the bad speedometer in the back of the car for proof. the dealer said they would notify the warranty company of the change so the warranty we paid for would be kept in good standing. We found out later that the dealer did not do this. When submitted the {$2800.00} to the warranty company they denied the claim saying it was fraudulent due to the speedometer change. The transmission started to give us trouble and the dealer would not help with it. they were responsible for the warranty being cancelled and told us to take it up with the finance company. the finance company, ReliantXXXX XXXX companies denied to help us. we then told them to come and get the car as we were no longer going to pay for this lemon. they picked it up in XX/XX/XXXX as the dealer refused to accept the return. Were contacted by letter from XXXX XXXX that they had sold the car for {$6500.00} and we owed them {$1900.00}. We explained to them we had spent {$2800.00} on the car and we would call it a wash if they would accept it. The Lady we spoke with, XXXX, said that would be fine and she would send us a letter to that fact. We never received that letter. In XXXX XXXX XXXX reported on our credit report we owed them {$9500.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX was paying my mortgage and per our documentation ( through XX/XX/XXXX ) I was approved for the last quarter but they never sent the payment. Rushmore contacted me and said there was an outstanding balance and then XXXX XXXX told me that I my XXXX funds were reduced to offset the amount received over the {$18000.00}. 

I was prepared to have the XXXX &XX/XX/XXXXpayments but I was told that I need to pay XXXX, XXXX and XXXX as well. 

I received a notice from Rushmore that they deemed my home VACANT! I never received a call or letter from them regarding my property - but I did however speak with with XXXX onXX/XX/XXXX. On XX/XX/XXXXmy landscaper said that there was someone taking pics from the street of my house. I was in the house resting, no one ever came to the door nor was the landscapers, who are XXXX were asked if the owner was home. Instead they were afraid - I cant belive they sent a XXXX XXXX to my home. I want to know how they deemed my home vacant? What communication was used? Whom did they speak with - my XXXX is a sheriff. 

I need this investigated asap, I am also getting a lawyer because Im looking at this as harassment from their vendor. My congressman will also be notified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible.

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