BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-30
Company: Knight Adjustment Bureau
State: UT
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:
I spoke with people from Knights adjustment in Utah about a debt owed to University XXXX Utah XXXX XXXX. 
They vioated FDCPA twice by1. Call at or around XXXX XXXX/XXXX/15 when i was speaking with XXXX XXXX XXXX XXXX when he didnt read a MM to me until after me asking to speak to a supervisor. I was then hung up on. 
2.Upon speaking to supervisor XXXX at or around XXXX when verally speaking to him.. XXXX read me a MM without confirming any of my personal information. 
XXXX. Avoiding talking to me upon several calls being ignored by them, and several calls being hung up on by them. 

Information was released without confirmation of whom they were speaking too, as well as the mini-miranda disclosure was not verbally stated upon initial oral contact after confirming my identity. 

Also the lack of respect, and communication from Knights adjustment to myself.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29
Company: DRS Financial LLC
State: PA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On XX/XX/XXXX I contacted Capital Collection Services to verify an account that I was unfamiliar with. After receiving information that I was unsure of, I requested a letter to have physical of this account. They refused to send me a letter. They said they sent letters back in 2011 but will not send another today. I think this is horrible. How can you expect me to have documentation from 2011. Anything could have been happening to me during that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX Bank is reporting a 30-day delinquency on my credit report that is not correct. I have always paid account as agreed. The account is currently in debt management which has been paid as agreed. Although the account is closed and in thier approved debt management program, they continue to charge late fees and monthly annual fees. This is wrong!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I 'm filing a complaint because the credit bureau is documenting that I have a Judgment with a company called XXXX. I verified with the Court and they told me that they do not report to credit bureaus they also verify that the items that is placed on my report was pulled from a third party not them at all therefore it must be deleted. And also once it is deleted I am requesting that proof be sent to me please send proof to my email address at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
The Debt collection agency, XXXX sent out an order for the deletion of a collection account on my credit file to the XXXX credit bureaus ( Equifax and XXXX ) it was listed on. 5 days afterwards XXXX, deleted the item as requested by XXXX. Equifax on the other refused to yield to the request. XXXX issued XXXX AUDs on XXXX different occasions reiterating its decision to remove the derogatory item from my credit file. Equifax still did not yield. The latest credit report I just obtained has the credit file updated with collection item still listed. 
I made numerous phone calls to no avail. I was told to file a dispute by one of the Equifax representative which I did by mail with return receipt, to which Equifax sent an acknowledgement letter of receipt. But the outcome was to keep the item on my credit report against the advice of XXXX the company that put it on there in the first place. 
Attached is the correspondence between myself and XXXX XXXX, a senior compliance analyst at XXXX. 
As clearly stated, they have resolved to have the item removed. XXXX which is governed by the same rule of credit reporting has initiated the deletion, what excuse does Equifax has to blatantly refuse to comply? 

This has been ongoing for 2 months and Equifax has made my life miserable, I 'm unable to qualify for a mortgage that I so desire because of this. I have suffered XXXX also because of this. 

Please, please and please Equifax, delete this item from my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Equifax is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I disputed an account opened XXXX for a secured loan on a vehicle that I did not own. The results stated it was my account. I asked how was that verified. I was told Equifax compared my name, date of birth and social security number. I still explained that I needed more verification, such as provider of the loan requesting copies of dmv title reports to show when the vehicle was last registered in my name. I was informed that was all they do to verify info. This has not been helpful. the Equifax manager also argued with me regarding me telling him that I did not receive any updates with the first case listed. he also told me I was emailed a copy, and I informed him that I was not. the rep. called my name out to me wrong, so I explained that if they emailed anyone with that last name, then it was not me. I do n't feel I was adequately helped and have to live with what is on my credit without anyone to assist me in having it removed. the company will not send for ownership records for the vehicle for the date that the loan was taken out. the vehicle was traded and the first loan was paid off. The company had a second lien on the vehicle which the dealership was aware of. The vehicle was traded by me prior to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filling this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: Home Point Financial Corporation
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I submitted Check # XXXX for my monthly mortgage payment in the amount of {$1200.00}. It was cashed by Home Point Financial ( see attached PDF ) on XX/XX/XXXX. 

As of XX/XX/XXXX, this payment has not been credited to my account. The payment was not for a " suspense '' account. I have also not received via US Mail, a Monthly Statement for more than 30 days. I am not signed-up for paperless billing. I did receive notice that Home Point Financial is transferring service of my FHA mortgage to another Servicer effective XX/XX/XXXX. The loan details/outstanding loan amount provided by Home Point Financial on this notice did NOT reflect the payment in question. 

Thank you for reading my compliant. 
Respectfully XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-10
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
My mortgage company asked me for the same documents over and over again. gave me conflicting information about what they want, My loan modification was denied for improper reasons, While i was in modification process with XXXX my loan was transferred to Caliber home loans and no one told me and the new mortgage company made me start the loan modification process all over again, and their policy is not to accept my payments while i 'm applying for modification and now they add attorneys fees and late fees, which i did not want to be late, We have full intention to keep our house.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
Capital one is showing I was 30 days late 5 times from XXXX XXXX-XXXX XXXX. I have sent numerous letters to get it removed but no response. Now cause of covid19 I cant use my personal credit to be approved for loans because of this error. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, no XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Caliber had me work with them doing a loan modification. I submitted my documentation multiple times over and over again and I documented every call and every submission I sent. They continued the foreclosure process ( dual tracking ) as they were working on my loan modification. I have a foreclosure date of XXXX XXXX and very little time to do anything other file for bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-02
Company: U.S. BANCORP
State: TX
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Account opening, closing, or management

Complaint:
XXXX 2014 my mother requested US BANK, XXXX XXXX XXXX XXXX California for an address change on her CD/Moneymarket/checking account due to her move to Texas. Still after a year and still not receiving statments and After numerous calls by her, then by me, the POA, after a certified letter, after another call to the Branch Manager, XXXX XXXX, then to XXXX, an account manager in Colorado, then to a XXXX XXXX XXXX, District Manager and now waiting for a return call from the Regional President, XXXX XXXX as I type this complaint. I also am disappointed in the Consumer Financial Protection Bureau for their lack of assistance or resolve. Plus, the consultant I spoke with read her que cards too quickly!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OK
Product: Debt collection
Sub-product: Medical
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint:
First, I never signed a contract or owe any money to portfolio Recovery Associates, I have no knowledge of this company other then what has fraudulently been reported on my credit report. In further investigation of this case it appears that they attempted to sue me in a county that first I did not live in nor did I live in it during the time of the original debt. Also the address that they attempted to use as my address was not even a relative of mine. I was never properly notified of any hearings, and even if I had been notified of a hearing the county that they filed had no jurisdiction over the case at hand.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: TrueAccord Corp.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX/XXXX filed dispute of loan XXXX report signed by local XXXX and sent to company No communication XX/XX/XXXX turned over to true accord collections XX/XX/XXXX noticed collection company this was already disputed sent in the required information to the company they sent it back to XXXX XXXX No communication XX/XX/XXXX received email regarding the collection resubmitted all of the information and Tru Accord collection sent it back to XXXX XXXX XXXX XXXX received email from XXXX XXXX XXXX all the docs I had sent over the year needs to be notarized emailed company back with questions no response XX/XX/XXXX received notice of collection with True Accord disputed again

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CT
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
In XXXX the account was opened and the original creditor was XXXX bank. In XXXX XXXX the account was sent into collections. The collections agency is Portfolio Recovery Associates LLC. I was in school at the time and unable to keep up with the payments. However, I am trying to clean up my credit score and when I called them to make a payment arrangement they told me they have now hired the law office of XXXX XXXX XXXX to sure me. They went into my bank account twice and took over {$1000.00} each time however the money was exempt because of wages so the court granted the money back twice. I have called them about XXXX times in the last year to try and make a payment arrangement and they always tell me they ca n't that its out of their hands and to call the law office of XXXX XXXX XXXX but when I call them they say the same thing or ask me to pay in full. Also I want to make sure the information is accurate in regards to the statute of limitations. I was young at the time but I am older now trying to fit these issues and this one seems to be the most difficult. On my credit report it shows that Portfolio Recovery Associates is the collections agency so I do n't understand why they can ; t just make a payment arrangement with me or settle. There is nothing on my credit reports about " the law offices of XXXX XXXX XXXX '' and I find nothing but bad reviews on both of them. I just want a clean slate and to end this nightmare. They continue to threaten me overtime I call telling me that if I do n't pay in full they 'll be coming after me for everything in the years to come.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
Collector named, XXXX XXXX of Portfolio associated and XXXX, who both claim to be in management, refused to transfer me to management after I stated they are abusive on the phone. They would not transfer me to management, and hung up on me. All this is after I sent a letter to CEASE CONTACT, in writing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-31
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
I did a XXXX loan thru comenity capital bank it was an 18 month interest free loan we had signed up for e-billing, however the statements ended up going into spam after the initial setup, but we always logged into our account first week of the month to pay since we knew was due, the 18 month grace period expired and they are billing me for past interest, A -- the only way we realized the oversight was when I received a TEXT for past due amount about 2 weeks after expiration date, the payment in fact had already been made and when we looked at account we saw balance had jumped by app {$2000.00} B -- I called right away and was told about the expiration so I immediately paid the principle and said I would not pay outstanding interest, I have contacted them numerous times to resolve this issue to no avail and they want me to pay {$2000.00} for a less than 3 week oversight C they continually harp on the notice in the statement, even if I did receive the statement there is only ONE small line in a XXXX page statement with the expiration date noted D -- also they can send me a text about a past due amount [ that did n't even exist at the time ] after the expiration and yet could n't send a text that the grace period was about to end F I have told them numerous times I will not pay and send to collections and to stop adding obscene interest charges on top of interest charges G their notification policy sucks and is strictly selective to their benefit and they take advantage of minor oversights with absolutely no regard for people

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-24
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: KY
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
The subject of the dispute is inappropriate NSF charges by the bank, and the failure of the bank to respond to communications. After failing to resolve the issue while the account was active, the bank closed the account in write off status. After communicating with others in the Executive Resolution Team I was directed to a manager named XXXX who placed a single call to me on XX/XX/XXXX and left a message. I subsequently returned that call to the Customer Service area extension XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, leaving all relevant information at the time and requesting both contact via email and contact via telephone. To date, I have never received any calls, emails or even written correspondence in regard to this problem. My offer to settle has been ignored, and I can not get anyone with the authority to discuss the matter to talk to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Portfolio Recovery Associate has no right to collect on a debt delinquent from XX/XX/XXXX. Nor have they provided validation information as required by the FDCPA. I have requested a validation of the debt your company claims I owe. In response, I received a letter noting the amount {$710.00} on or about XX/XX/XXXX. Consumers have the right to request a validation of debt to ensure the company collecting the debt has not made an error. Sending me notice of the amount I supposedly owe does not prove that I owe the debt ; it merely proves that your company seeks to collect the specified amount. Please note I am not requesting a verification of your records. I am requesting proof that I incurred this debt, how much was incurred, and that you have the right to collect it. Proof of my liability is my legal right under the Fair Debt Collection Practices Act. Furthermore, based on the information regarding this debt provided by your representatives, I believe this debt to be in error partially or wholly and request proof as stipulated by the FCRA. I request proof XXXX XXXX XXXX XXXX is licensed to collect in the state of Georgia.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17
Company: Progressive Financial Services, Inc.
State: KS
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Calling XXXX - 10 times a day bothering me at work also

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 2015-05-19
Company: Pinnacle Credit Services, LLC
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
In this case, Pinnacle Credit Services ( XXXX XXXX XXXX XXXX MN XXXX, representing their client XXXX XXXX, refused to acknowledge that I never had an account with XXXX and do not owe said telecom giant {$2500.00}. XXXX wrote back that the entry meets the requirements of the Fair Credit Reporting Act. However, that is impossible given that I never engaged their client and only had XXXX and it 's predecessor. Please assist in preventing them from collecting under a false premise.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01
Company: Exeter Finance Corp.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
This company made inquiries to my credit report. I did not authorized the dealership to contact this company for credit approval. in many cases the dealership was told in writing not to do so. 

These companies were sent letters disputing the inquiries and told me to contact dealer. I disputed with credit reporting company and they told me to contact the credit company who requested my credit report. 

Either way this company should not have pulled my credit report and have over XXXX inquires on all XXXX credit reports. 

I want their inquires removed. 

SSN : : XXXX DOB : XX/XX/XXXX1970

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: BARCLAYS BANK DELAWARE
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: Account status incorrect

Complaint:
Good morning, It has been over 120 days and I can not receive any information regarding an account Barclay reports on my credit report every month. I was told that my account was given to a company called XXXX, XXXX reports that the account was charged off since XX/XX/2020 for {$2400.00} and they no longer have the account. I would like this account removed from my credit report since no one at Barclay seem to not have knowledge of the account. I have been calling for over 120 days trying to resolve this issue. Please reply with the solution to this issue. 

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