BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-21
Company: Receivables Management Partners, LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I owed a bill to XXXX XXXX XXXX XXXX from XX/XX/XXXX, I don't remember going to doctor then and do not remember receiving a bill of it. Starting in XX/XX/XXXX I began receiving phone calls from Receivables Management Partners LLC. I repeatedly told them over the next several months of calling me 3-4 times a day to just give me a detailed bill and only then will i pay the amount. The bill never came but all of the phone calls stilled continued. On XX/XX/XXXX I finally had enough of the harassment and paid the XXXX bill over the phone. They immediately took the payment out of my bank account but never produced a letter stating that the debt was paid in full. I have called them and emailed them for a receipt of payment and letter of payment but have gotten nowhere. Now i am being told that they do not issue receipts or letters of payment. This is still effecting my credit even though it has been paid off in full and this company will do nothing about it. Why they can't even issue me a simple receipt stating it was paid is beyond me. How do you expect people to pay off debts when you harass them and then not follow through on your end of sending a letter and reporting that it has been paid and closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: EQUIFAX, INC.
State: CA
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:
Curious about my credit score, I obtained a copy of my credit report. Upon examination of the report, I noticed that there were some inaccurate items that should not be there. 

After sending certified, return receipt letters on XX/XX/18 ( which were received on XX/XX/18 ), reporting that there were inaccuracies on my credit report from XXXX XXXX XXXX XXXX, account # : XXXX, claiming that I owe {$8000.00}, I requested that I would like some type of verification bearing my signature to verify the debt. I never received any type of verification of any kind. All that was sent to me was a letter saying that the supposed debt had been verified and that it was accurate according to them. 

Waiting over 30 days ( which is how long that is legally allowed to verify any disputes ), I then sent another letter on XX/XX/18, which was received on XX/XX/18 ( again, certified with return receipt ), stating that I had still not received verification of any kind, let alone any type of verification that was bearing my signature, as I had requested. Upon checking my credit report, the non-verified, inaccurate item is still on my credit report, causing a negative effect on my credit score, as well as public humiliation throughout my local community. Since no verification of any kind has ever been sent to me or provided, I am seeking that this particular inaccurate claim is removed immediately. 

Not only has no information bearing my signature ever been provided when requested, but is also Violations of the Fair Credit Reporting Act - including but not limited to Section 611, such as : -FCRA, Section 611 ( a ) ( 1 ) ( A ) -FCRA, Section 611 ( a ) ( 6 ) and ( 7 ) Depending upon how this matter is handled, I will also be detailing any potential issues via an online public press release, including any documentation of potential small claims action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I contacted XXXX bank to open XXXX savings accounts for my children. They ran a hard inquiry on my credit. I didnt apply for any kind of credit services only to open savings accounts for my children. Ive contacted them multiple times and they say theyre addressing the problem. They have not. On multiple occasions theyve just hung up while I was waiting to speak to a manager. Happened again just now.

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 2020-06-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Beginning of XXXX i opened an account with capital one. On XX/XX/XXXX i reported to capital one that a duplicate transaction of {$200.00} took place and that i needed to be reimbursed the duplicate amount of {$200.00} back into my account. On XX/XX/XXXX I get a notice in reference to this issue. I called and was told that my account is restricted. On XX/XX/XXXX capital one refunded back the {$200.00} into my account but penalized me. On XX/XX/XXXX and XXXX I spoke to numerous agents. Neither could give me an accurate answer. Finally I was told on XX/XX/XXXX that capital one was going to close my account. I did nothing wrong in this account. I felt that I have been mistreated and accused unjustly. Can you please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: ENCORE CAPITAL GROUP INC.
State: RI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
THE ACCOUNT YOU HAVE IN MY NAME NEEDS TO BE PERMENTLY REMOVED OUT OF YOUR SYSTEM.AND REMOVED FROM MY CREDIT REPORTS. XXXX XXXX XXXX. THE ORIGINAL CREDITORS WAS OPENED WITHOUT MY KNOWLEDGE THE ACCOUNTS WERE UNAUTHORIZED WHICH ENTAILS IT SHOULD HAVE NEVER WENT TO YOUR COMPANY FOR COLLECTIONS. 
I HAVE DISPUTED THESE ACCOUNTS BEFORE WITH MIDLAND CREDIT MANAGEMENT. XXXX XXXX XXXX XXXX XXXX XXXX XXXX YOU CLOSED AND " SOPPOSEDLY '' DELETED THIS ACCOUNT FROM YOUR " SYSTEM '' FOR THE REASONS IVE STATED HERE. FOR SOME ILLAGETAMATE REASON, ONLY XXXX KNOWS WHY YOU REOPENED THE ACCOUNTAND REPORTED IT BACK TO THE CREDIT BEAREAUS AGAIN. WHAT IS WRONG WITH YOU PEOPLE! NOTHING HAS CHANGED, NOR IS IT GOING TO, WITH ALL DO RESPECT HOW MANY DIFFERENT WAYS AND DOCUMENTS DO I HAVE TO SEND TO YOU FOR YOU TO REALIZE THE ACCOUNTS ARE NOT MINE.. 
ALSO YOU HAVE NO SIGNED DOCUMENTS, CONTRACTS WITH MY WET SIGNATURE ON IT YOU NEED TO PERMENTLY CLOSE AND DELETE THIS ACCOUNT FOR GOOD OUT OF YOUR SYSTEM AND REMOVE THE ACCOUNT FROM MY CREDIT REPORTS, ALL XXXX ARE VIOLATING MY CONSUMER PROTECTION RIGHTS UNDER FCRA U.S.C.15 SECTION 604A , 602A AND 607 I HAVE ENCLOSED DOCUMENTS FOR YOUR CONVIENCE AGAIN IF NEED BE I WILL PROCEED WITH LEGAL ACTION THANK YOU FOR YOUR COOPERATION ACCOUNTS TO BE REMOVED MIDLAND CREDIT MANAGEMENT ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-31
Company: Specialized Loan Servicing Holdings LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
MY ORIGINAL BANK HAS SOLD MY LOAN TO SLS. I NEVER BEEN LATE ON MY PAYMENTS. LAST YEAR I CALLED THE COMPANY TO CHANGE MY PAYMET TO AUTOMATIC DRAFTING. I GAVE THEM ALL THE INFORMATION ON PHONE. BUT DUE THEIR COMPUTER GLITCH ON THEIR END, MY PAYMENT DID NOT GO THROUGH. I ASSUMED EVERYTHING IS FINE AND WITH MY BUSY SCHEDULE I DID NOT CHECK MY BANK STATEMENT. AFTER ONE MONTH THEY CALLED ME STATING THAT MY PAYMENT DID NOT GET POSTED. THEY CHARGED LATE PAYMENT. I CALLED SEVERAL PEOPLE AT THE CUSTOMER SERVICE WHO WERE RUDE. FINALLY I GOT HOLD OF ONE OF THE SUPERVISOR WHO WAS VERY PROFESSIONAL AND TOOK OFF MY LATE FEE. AFTER SEVERAL MONTHS WHEN I CHECKED THE CREDIT SCORE TO BUY A NEW HOME, TO MY SURPRISE THE LATE PAYMENT WAS REPORTED TO THE CREDIT BUREAU AND CONTACTED THEM VIA WRITTEN COMMUNICATION WITHOUT ANY HELP.PLEASE HELP TO RESOLVE THIS ISUUE.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Pnc has made a change that prevents me from being able to link my financial accounts. I need to link my checking account with my XXXX account so that I can add funds. I have called the bank and they state it will not connect because XXXX uses a service provider called XXXX. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
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: Their investigation did not fix an error on your report

Complaint:
I REFINANCED MY CAR WITH A NEW LENDER XXXX XXXX XXXX XXXX IN XXXX OF XXXX. My old lender was XXXX XXXX XXXX. XXXX reported my old XXXX account XXXX XXXX XXXX as closed in XX/XX/2021 with XXXX late payment. Then in XX/XX/2021 XXXX reported the account opened again and reported XXXX more late payments when my Account with XXXX was closed and Paid in Full. I have disputed this account several times with XXXX and have received no response on this matter. I even sent them an invoice of several violations to my credit file including this one along with an invoice for remedy and a affidavit of truth notarized back in XXXX and I have not received any correspondence. Tracking number XXXX In accordance with the Fair Credit Reporting act. The Listed account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX, XXXX, and Equifax is violating my consumer rights by : Reporting Inaccurate Information on my consumer file which includes XXXX is reporting XXXX extra late payments for XXXX and XX/XX/2021 when account was closed since XXXX and Paid. 
XXXX reported my account closed in XXXX XXXX then reported it opened again in XXXX and added XXXX late payments XXXX is reporting XXXX late payments as well for XXXX and XXXX of XXXX  when account has been closed since XX/XX/2021 XXXX. Opened dates are all different for each consumer reporting agency. 
XXXX is reporting Account status as closed. XXXX is reporting as paid. Equifax is reporting as closed 6. Equifax is reporting XXXX extra late payments for XXXX, XXXX, and XXXX of XXXX 

Information on all three consumer reporting agencies are all different and inaccurate all across the board. 

I disputed this account several times with all three CRA 's and all three CRA 's stated that my account was properly investigated or they did not respond at all. How is that possible when the open date, payment history, date last active, account status are all inaccurate for all three CRA 's. This is ground for account removal from all three CRA 's and monetary relief because my rights have been violated under 15 USC 1681 section 602 A which states my right to privacy 15 USC 1681 SECTION 604 A SECTION 2 which also states a CRA can not furnish a account without my written instructions. 

Also XXXX took more than 30 days to complete investigation and the other two CRA 's XXXX and Equifax did not conduct a proper investigation and didn't respond at all. 
Tracking NUMBER : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
They are calling my job, a line that is for employees only and that I imagine somehow they got ahold of the number. I have never provided anyone with that private number. I reversed the phone number they left for me to call back with XXXX of my peers, and they seem to be a bill collector for Navient ; in spite of the fact that I have already told them not to call, they keep on doing it. They call from a local number, but when they leave messages with my peers they leave a toll free number. My peers are not there to take my personal messages, especially when I never provided anyone with that number. Except for telling them that they can not call there anymore, I have never had any other conversations with them. They are interfering with my job 's operation, putting my job at risk by calling numerous times and even speaking to my coworkers and telling them they want to help me. My employer is very strict and every minute counts. We are not allowed personal calls. I feel harassed, upset an embarrased at what they are making me go through at my job.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10
Company: National Principal Group, LLC
State: IL
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
People keep calling from all different numbers from a company called " NP Group '' telling me that I owe money from 2010. I never took a loan out online. The guy ( XXXX ) called and said I took money out from an online source, XXXX XXXX. XXXX XXXX also has several lawsuits against them for not following the XXXX guidelines. 

NP Group is actually known as National Principal Group , LLC. This company is also known as XXXX. FAKES!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was charged a bogus late fee due to Bank of America 's error. 

I have had this account since XX/XX/2013 and had autopay enabled to pay balance in full every cycle. After a few years of inactivity, I started using the card again. However, at some point BoA had unenrolled me in autopay without my consent, and I was charged a late fee ( of {$25.00} on XX/XX/XXXX ) before I noticed this. 

I have tried to contact BoA to have them solve the issue, but I have faced excessively long queue times every time I call.

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 monetary relief
Consumer complaint received 2017-10-18
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage account with XXXX XXXX. On the most recent statement, they have added a {$25.00} charge under " Other Fees '', with no explanation whatsoever, and no reason I can fathom as to why it would be legitimate. It does not appear on their online statement. 

I have automatic payment enabled, and I 'm assuming that they 're hoping I would not notice, and they can just scam me for extra money. I plan to call their customer service, but given their previous billing issues and resolution process XXXX which, as with most companies, they make as cumbersome as possible, and requires long hold times and complaint elevation ), I do n't know how long that will take.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: Experian Information Solutions Inc.
State: MN
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 believe my Experian personal credit report account has been affected by a security breach/someone using my information to try to obtain credit. 

This has been an issue since XXXX This has resulted in numerous hard inquiries which have depressed my credit score, made it hard to obtain credit, and made it hard for me to find housing. 

I would like these inquiries removed. Also, there needs to be more security in place to thwart unauthorized use of a person 's identity. 

Inquiries : 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 2020-06-17
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was informed by my credit lender that I was not approved for a personal loan I was needing because of derogatory items on my credit history. I then decided to pull my credit and I noticed several unXXXX  XXXX items. Please remove these fraudulent accounts from my report. Thank you.XXXX  XXXX {$1700.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$18000.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX PB XXXX {$670.00} XXXX XXXX XXXX {$130.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: Kriya Capital, LLC
State: CO
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:
They call me multiple times a day for a debt that was already taken care of. I have asked them numerous times to verify this debt, and their response is just the amount I owe. Then they try to barter with me and say if I can pay half, they 'll close the account and not send this to the credit bureau. Since they are haggling with me on what I can pay, and do n't verify this debt - I believe this is a scam.

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 2020-08-05
Company: Home Point Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX I asked home point mortgage for a forbearance on my home loan for 60 days On the XXXX of XXXX I went into homepoint financial webpage and tried to pay my mortgage- I had to take off the forbearance and then thought I made my mortgage- because I was supposed to call someone at hpf I thought I was done. On XX/XX/XXXX I went in to make sure my autopay was on but found out my payment didnt go through - Id I made XXXX XXXX and XXXX payment then. HPF is now marking me 60 days late on my mortgage which means my credit score dropped 70 points and I can not get another mortgage for at least a year. On XX/XX/XXXX governor XXXX proclaimed that mortgage companies would not report people late on their mortgage- Ive called the company and written letters to the credit report agencies- Im asking for anyone that was in forbearance to not have their lender report them as late Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
This Complaint is directed towards XXXX, XXXX  and Transunion. On numerous occasions I have sent disputes letters regarding a fraudulent Bankruptcy on my credit report on XX/XX/XXXX. The Bankruptcy reports being dismissed on my report, I explained it must have been an error. I sent a document from the court that they did not give them any information on a Bankruptcy case. On XX/XX/XXXX XXXX  removed a Bankruptcy off of my credit report and added the same day. I have enclosed screen shots from 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 2016-10-14
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
My bank Chase will post transactions on a day, but the transaction will be showed as posted the day before. I can check my online banking and show it having a positive balance, but check it later before XXXX and see transactions appear that were not there hours prior. 

The other is adding transactions, such as auto payments in the late evening around XXXX and counting them towards my account earlier in the day. 

The other problem I have is reordering my transactions. They may hold little ones, then have a bigger payment go through, after bank closing then reorder old transactions to post after the big payment. This has happened many times. 

Sometimes it seems like they have my account watched and when I have a lower balance and something bigger posts, they try to reorder my account to give me the max fees. I always fix my acocunt the very next day. Would be nice if they were fair and posted transactions on day done or even next, and did not tack on charges before its XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10
Company: The CMI Group, Inc.
State: NJ
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:
Credit Management continues to attempt to collect a debt I do not owe for cable services. My cable bill is current and I owe no monies of any kind to XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17
Company: EQUIFAX, INC.
State: WV
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
Credit Bureaus failed to address score factor, which resulted in approving personal loan, credit card applications. Insist on reporting accounts as adverse or maybe considered negative. Inconsistency in credit scores. No justification received. Credit bureau data input does not warrant accounts being reported as adverse/considered negative. 
See attached for additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
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: Account status incorrect

Complaint:
I have not received any result of the investigation and my complaint was closed. Again these are the account appearing negatively on my report and I demand that you do an investigation and delete these Items from my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief