BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-11
Company: CHALLENGE FINANCIAL SERVICES
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I, the natural person, consumer who is protected under the federal law is demanding, that fostered removed/deleted from any and all systems used by the following business : CHALLENGE FINANCIAL SERVICES. I am demanding no further communication, return of property OR assest/monies recovered from my account private and public ledger journal entries showing such.In regard to the COLLECTION this alleged debt Mr. XXXX tries to extort a form of monetary payment as a last chance " offer ''. Lastly, as a consumer of heaven, protected under the federal law, Title 15 Chapter 41 subchapter 5 1692 ( k ). I am demanding compensation for damages, willful injury, unlawful accusation, I am demanding compensation and damages under a commercial security agreement including a fee schedule ; for the false claims of an alleged, and unverified without certified mailings, validity of debt, etc. This company has gas violated FCRA by reporting " charged off '' when the debts was already paid upon signing and extending my credit to company.. XXXX, XXXX, And XXXX are still currently reporting information that has not been proven and verified correctly and in violation of FCRA LAWS pursuant to 15 U.S.C. 1681-1681. MY rights to privacy, listing me as the ( DEBTOR ) when I am in fact the authorized user, creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Phoenix Financial has reported the same account in collections 3 times. It's the same account. I have successfully disputed and had this account removed from my credit before while it was with another debt collector. It isn't mine, and they are not allowed to report the same account multiple times. This violates the FCRA. I have screenshots of multiple credit monitoring companies showing this was reported 3 times within 2 weeks. It dropped my score every time, and the account isn't mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
This is about a Credit Card Debt with XXXX XXXX that was sold to Midland. These people repeatedly called my phone several times a day. They called family members asking them to verify my Social Security Number and posted a second complaint, and summons to go to court on the front door to my residence. Presently I am disputing this debt with the bank and even offered to pay them the purchase amount of the debt and court fees because I should have monitored my credit report appropriately. Since I had no other credit, live in public housing, am on XXXX and collect Social Security I told them I would pay them for expenses they incurred. Instead they are asking the court to make my pay the debt with interest, court fees, and the amount of the debt I am disputing with XXXX XXXX Bank. They are asking the court to force me to pay them out of my Social Security Check and VA XXXX payments which total {$1900.00} a month. Half of my benefits goes toward rent and the rest is for food, utility, and medical expenses not covered by the VA. XXXX XXXX attorneys are asking that I forgo medication and / or food but instead pay them with interest on this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-30
Company: Experian Information Solutions Inc.
State: NY
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:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 ; states that I have the right to privacy. In 15 USC 1681 section 604A section 2 ; it also states a consumer reporting agency can not furnish an account account without my written instructions. And under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2021-10-11
Company: Southwest Credit Systems, L.P.
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Notice to all, I am a consumer pursuant 15 usc 1681 ( a ) ( 4 ) I have federally protected rights that have been violated. I have never signed a contract OR PROMISSORY NOTE with SOUTHWEST CREDIT SYSTEMS. Notice in fact, I am disputing any and all alleged debts that this company claims I may own past future and present. Any item furnished on my consumer report is a violation of 15 usc 1681b. Notice in fact that I've never given my written or verbal consent to these items being reported. violation of title 15 are punishable pursuant 15 usc 1692k by {$1000.00} per violation. I DEMAND THESE ITEMS BE REMOVED FROM MY FULL CREDIT FILE OR PAY ME {$1000.00} FOR EVERY MINUTE THAT THIS ITEM HAS BEEN ON MY CONSUMER REPORTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: Experian Information Solutions Inc.
State: NY
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 noticed a inquiry on my credit report that I did not authorize nor give written consent for. I want this deleted immediately. The inquire is from a credit reporting agency named XXXX. I demand this be deleted.

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 2021-10-11
Company: Experian Information Solutions Inc.
State: NJ
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:
I noticed a few inquiries on my report that I do not recognize

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 2016-08-09
Company: Navient Solutions, LLC.
State: ND
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I cosigned a loan for my cousin. The loan amount was approved for {$5000.00}. After he left school some how the loan was approved to {$7000.00} of which he didnt receive. The money was sent to the school according to XXXX XXXX who sold the account to navient. They say i have to contact the school, which has since closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09
Company: GOLD KEY CREDIT, INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have just checked my credit score, and I was going through what was affecting my score, and I ran across this debt collection of an GoldKey Credit amount of {$660.00} from XXXX XXXX XXXX. During that year, I just moved back to XXXX from New York, I did not have a job, I just graduate from high school a year a ago ; at that time I only had one debit card, and that was with XXXX. I really have no idea where or what this debit Collection is coming from, thank you for taking the time to hear me out.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Since XX/XX/XXXX XXXX  the bureaus have refused to open an investigation on the following cases. XXXX XXXX XXXXTransUnion XXXX XXXX XXXX XXXX XXXXXXXX XXXXTransUnion and XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX-TransUnion and XXXX At this point the bureaus are in direct violation of the FCRA guidelines and have passed the time allowed to start an investigation . I am now requesting permanent deletion. Attached is proof of the disputes that I have sent for these accounts and also proof of my identity. I have attached my driver 's license and utility bill. Please considered this my written authorization. 

Thank You

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 2021-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
I WAS LOOKING TO START ANOTHER BUSINESS WANTING TO RAISE SOME CAPITAL FOR THAT BUSINESS. THE BANK I HAVE AN ACCOUNT WITH INFORMED ME THAT I HAVE MANY ACCOUNTS THAT ARE NOT IN GOOD STANDING TO GET FUNDING. I KNEW THAT THIS WAS NOT THE CASE I LOOKED AT MY CREDIT REPORT AND THESE ACCOUNTS ARE NOT MY ACCOUNTS. I NEVER SIGN FOR THESE ACCOUNTS NOR DO I HAVE ANY BENEFICIAL INTEREST IN THESE ACCOUNT THEY NEED TO BE REMOVE ASAP FROM MY FILE.

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 2021-10-11
Company: United Collection Bureau, Inc.
State: FL
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:
UNITED COLLECTION BUREAU Contact XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF {$700.00} THE COLLECTION HAS BEEN REPORTED AS PAST DUE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I tried to get a loan modification from B of A. 
They said they would not modify or refinance. 
I tried XXXX mortgage companies for a new loanbut they all said that due to dodd frank I couldnot qualify because I did not have enough incomein XX/XX/XXXX and XX/XX/XXXX. I contacted consumer financialprotection agency and they were no help. 
my house is worth {$1.00} XXXX and I only owe {$380000.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: PNC Bank N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
PNC and BBVA bricked my bank account. They also misled and deceived me into thinking there would be no interruption of service when they knew there would be.

BBVA notified me via email on XX/XX/2021 that BBVA is merging with PNC, stating : " Its official, we can now share with you that BBVA USA is part of PNC. **There is nothing required from you. Continue to bank as you do. ** Over the next few months youll receive additional communications from PNC. '' ( ** indicates bolded original text. ) On Friday ( XX/XX/2021 ), when I tried to deposit several checks and transfer funds to and from the account, I found both the BBVA mobile app and their website to be in " view only '' mode. I have since been unable to use my account at all. They gave no warning ; in fact on the contrary, per the statement above in bolded text saying, " There is nothing required from you. Continue to bank as you do. '' That was, it turns out, totally misleading and deceptive marketing, and in fact is patently false. 

In trying to resolve the issue I downloaded the PNC app, hoping to be able to log in there, but after several attempts ( using the same credentials as I use to log into BBVA, per their instructions ) they froze my account. Scouring the BBVA website for any help, I found an FAQ article stating that as of Tuesday, XX/XX/2021, PNC would 'begin transitioning accounts. ' No indication as to when I might be able to use my account again. Checking their website again right now shows, " The conversion of BBVA USA customer accounts, products, and services to PNC is anticipated for XX/XX/2021. '' We're nearly halfway through XXXX. 

I have even checked my spam folder to see if I've missed any " additional communications '' from PNC as advertised initially, but there is nothing there. 

In short, BBVA and PNC bricked my bank account with all the money in it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Beginning XXXX and XXXX and XXXX XXXX  XXXX is reporting a high balance of XXXX on a card with a XXXX limit. to all 3 credit bureaus. I have called 12 times and sent a certified letter to XXXX  XXXX asking them to send me the transactions that total XXXX. All I get are letters telling me that they are reporting the XXXX correctly but never send me the proof i ask for. 

I make 3 or more pmts every month because the credit limit is so low i use it for my business and spend about XXXX during the month so to keep the card from getting to close to the limit I make pmts before the closing date.or as I use it. Im working on my credit so I can buy a house. My first one. Now with the XXXX high balance showing I can't get the house because the interest rate went from 5 % to 13 % and my score dropped 10 points,. So all my hard work down the drain! I have a right to see where this XXXX is coming from and the way I have been treated by this company is completely undeserved. I never go over my limit and i always pay on time. or more.Yet i get ignored when i ask to send me this proof i need. 
I was turned down for a credit card because they said, balance relative to credit limit is too high. meaning a balance of XXXX on a XXXX credit card limit. My credit utilization is 4 % but with this XXXX showing It has begun to cripple my credit reports and keep me from ever getting a house at a fair rate. Im XXXX and I dont have a lot of time to put off buying a house when this high balance is not correctly being reported.and cant get any proof of this from XXXX  XXXX. They wont even let me talk to the people responsible for the report they send to the credit bureaus. I was told it does not get done by a human that it is all done by computer so i cant talk to anyone. The customer service dept says they cant see where the XXXX is coming from yet every month its being reported. I asked Transunion and XXXX to remove it until the dispute was completed but they did'nt. XXXX I disputed with 2 or 3 times but it comes back in a few days as verified and XXXX  XXXX added DISPUTE RESOLVED and it was not resolved.

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 2017-10-09
Company: CIT BANK, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
CIT Bank, a bank that acquired ONE WEST Bank, has refused to validate information it is currently reporting to XXXX XXXX XXXX XXXX, Account number XXXX. I have requested this bank under the FDRA to validate the entry on my XXXX credit report and they refuse to do so. In addition, validation is not merely proof of my mailing address, but competent evidence that the information being reported is accurate. 

I have made numerous calls asking customer services to assist me to no avail as well as received the letter attached. 

Under the Fair Reporting Act, I do have the right to request the the original creditor validate information shared with the major credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I got a copy of my credit report. I wanted to dispute an account in collections i didn't know I had. When I got my results, back one of the bureaus couldn't verify so they deleted it from my credit report. The other bureau ( XXXX ) some how updated all the information as current and even my last payment made was updated to XXXX of XXXX. I've never been in contact with this company, I never made a payment and never spoke with anyone. I wrote to the bureau and asked to verify and validate the account and they never responded. Instead, they claimed to verify but never sent me any proof or any notice. Instead, I was sent a judgement from a court which I never even received a summons for. To top it off, the judgment was sent to my daughters apartment, not mine. They never sent me a validation letter, and didn't include any type of license numbers on any of these letters. I also wrote the bureau a new letter to provide me proof of last payment that they are saying I made and how they verified the account without showing me proof, showing me a contract that was signed by myself. Also, the amount on my credit report that they are saying I owe doesn't even match the amount owed in the garnishment letter. I want to sue this company on these false accusations and need help with going about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: Kriya Capital, LLC
State: TX
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I provided proof that this company was falsely representing itself as a creditor which was a deceptive practice and in violation of the Equal Credit Opportunity Act. And where is the proof of payment history of this account? The Credit Bureau chose not to investigate and chose to continue reporting fraudulent practices. That is unethical and damaging as a law-abiding consumer. REMOVE THIS COLLECTION ACCOUNT COMPLETELY FROM MY CREDIT REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-12
Company: Mr. Cooper Group Inc.
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My mother passed away XXXX. She had the mortgage with XXXX XXXX, then it was changed to XXXX XXXX, then changed again to Nation Star. My mother had XXXX mortgages. The first XXXX she didn't know, so she did pay for and file homestead with local government. So she borrowed money again and refinance with whichever one of the names of credit company at that time. She had took out the insurance to pay off loan if something would happen to her, so I would always have a home to care for my XXXX  brother. When so did the second mortgage she told me that she had taking out the insurance again with the loan. Now that she gone, I can't find the paperwork and mortgage copy says theres no extra insurance. I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: AMERICAN EXPRESS COMPANY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: Experian Information Solutions Inc.
State: TN
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 have submitted multiple disputes to Experian for XXXX XXXX ( acct # : XXXX ) and XXXX XXXX ( acct # : XXXX ). I have attached police reports with the disputes and provided plenty of supporting documents proving that these accounts are not mine. Even so, Experian has refused to remove the account stating that the companies confirmed the accounts to be valid. I asked Experian to provide me with the documentation that the companies provided to prove that they are valid even with having my police reports and they refuse to do so. They have now stated that no matter how many times I dispute unless the data furnisher removes the account they will not be removed. By having the police report and supporting documents but still allowing the accounts to stay on my credit report they violated my rights given to me under the fcra section 605B and forced me to have to pay the balances in order to move forward with getting a place to stay. I ask that you please have them remove these accounts.

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