BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-01
Company: PHH Mortgage Services Corporation
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have a mortgage through PHH ( account XXXX ) and I have fallen behind on payments due to my nasty divorce. I communicated with PHH trying to obtain some relieve to no avail. Case Manager was XXXX XXXX. I filled paperwork out twice and heard nothing back until they started talking foreclosure. I finally was able to borrow funds to cover the past due amount of my mortgage and when I tried to pay PHH multiple times during the past XXXX to eight weeks, they kept referring me to a law firm XXXX XXXX, XXXX XXXX, XXXX and XXXX, XXXX XXXX. I tried communicating with the law firm several times XXXX XXXX XXXX on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX ; XXXX on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX. XXXX was no help as all she said was they were waiting on mortgage company to provide figures. XXXX XXXX said he would e-mail information when he received it and I received it on XXXX/XXXX/XXXX. I called PHH on XXXX/XXXX/XXXX and spoke to XXXX, a manager. He said the attorneys office have had the figures since early XXXX and tried to do a XXXX call with the Law Firm.. He advised that records indicated they sent me a letter with the figures about three weeks ago. I advised I never received the letter and requested they resend the letter. I still have not received the alleged letter. 
As mentioned above, the Law Office kept telling me to wait till I received a letter from them. I informed them I was trying to pay and still received same response. I received an email at XXXX on XXXX/XXXX/XXXX stating what I owed ( this amount with wording used was ambiguous at best ). They have included in the amount owed almost {$3000.00} in foreclosure fees. The letter was dated XXXX/XXXX/XXXX and gave me XXXX that same day to remit total payment addressed in that letter along with any additional monies that may be owed as I was directed to call attorney office for solid amount owed. This is unacceptable. It appears that they have employed delay tactics in order to charge me the foreclosure and attorney fees. I want to bring my mortgage current but feel it is not right having to pay the foreclosure and or attorney fees since I have been trying for 6 plus weeks to pay this current and have received the run around and conflicting information from PHH and the attorney firm they hired. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23
Company: PNC Bank N.A.
State: IL
Product: Credit card
Issue: Transaction issue

Complaint:
On XXXX/XXXX/2016 I deposited {$7000.00} in my PNC transaction account. On XXXX/XXXX/2016 with the funds showing available I scheduled a {$6800.00} to my PNC credit card for XXXX/XXXX/2016. My transaction account shows {$6800.00} withdrawn and credited to my PNC credit card on XXXX/XXXX/2016. However my credit card account shows {$0.00} available balance. When I called regarding my account status I was told that PNC had to verify funds. Why does PNC have to verify cleared from funds from my PNC transaction account used to make a payment on a PNC credit card account and thereby deny me access to my funds?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I ha d 3 auto loans with chase and was late one x for 20 days on one xloan but chase  is reporting 90 days late : They reported I was late 90 days but paid in full! First off, if you are late 60 days, let alone 90 days, they would repossess your car! I reported it to the  XXXX  major reporting credit institutes but they wont remove it! They claim they went to chase and concluded info is correct yet when i call chase, they cant find the account! I want it removed because its clearly a lie! everyone knows 90 days late, and you dont have a car!

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 2022-08-04
Company: Experian Information Solutions Inc.
State: MI
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX Acct XXXX, has violated my rights. 
XXXX  XXXX ACCT : XXXX, has violated my rights.. 
Department of EducationXXXX Acct : XXXX, has violated my rights Department of EducationXXXX Acct XXXX XXXX XXXX has violated my rights. 
Department of EducationXXXX Acct : XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 non-monetary relief
Consumer complaint received 2022-10-18
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
The company above reported a late payment for XX/XX/2020. I have requested a history of payments for my review and have yet to receive it. I have disputed this inaccuracy with XXXX, XXXX, Equifax, and XXXX with no success. 

According to FCRA laws, I have the right to ask for a fair investigation and have not received one and that is why I am submitting an formal complaint. I want the late payment from XX/XX/2020 to be removed from all three credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: Experian Information Solutions 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:
On XX/XX/2022, I requested for the company to send me the method of verification used to determine the accuracy of my consumer report but up to this day, I still have not gotten the information as yet. I wish to clarify and personally investigate some issues with my credit but this company refuses to cooperate with and I have been informed that this is a violation of the FCRA laws. I want to file a complaint as my first step in taking legal actions should they continue ignoring my request.

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 2022-10-18
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
A couple sold us two kittens. XXXX XXXX XXXX company was supposed to deliver them. The whole operation is fraudulent. They gave confirmation of order, documents, tracking number and way to check on their site, XXXX https : XXXX Chase has now informed me the accounts have security and fraud flags - but still allow people to send money. Why? If you've been caught or under review why aren't XXXX services paused for those accounts and any money that's pending held? I don't get why they'd continue to allow fraudulent accounts to remain on their platform and use their services if they've known that there's an issue. 

Kittens : {$400.00} ( 2 payments of {$200.00} ) Shipping ( additional cost ) : {$300.00} ( they demanded {$850.00} to rent a specific carrier for the kittens to be sent in- which they promised to refund- have not delivered kittens and they have not refunded ) Other contacts they provided that are part of the operation were : They referred to themselves as " XXXX  XXXX 's '' and on the documentation for transport it says " signed by XXXX XXXX '' but these are the names they had in email and requested XXXX sent to : XXXX XXXX XXXX XXXX XXXX XXXX ( also XXXX account ) XXXX : Name : XXXX XXXX email : XXXX Name : XXXX XXXX XXXX XXXX XXXX Name : XXXX XXXX email : XXXX ( XXXX for XXXX XXXX  ) XXXX  : Name : XXXX XXXX XXXX XXXX XXXX  XXXX Tracking code : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: MARINER FINANCE, LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XXXX XXXX XXXX, the branch manager of Mariner Finance called me inquiring about a suspicious check deposited on XX/XX/2022 allegedly by myself. I have no knowledge about the deposited check or the account that was automatically created by the deposit check. Apparently, my information has been stolen and used fraudulently to create this account. I have not been burglarized.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: Kriya Capital, 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:
I checked my XXXX credit report and i see that the company CREDENCE RESOURCE MANA, is reporting a debt collection for the amount of {$2000.00}, however I dont remember having entered any type of contract with CREDENCE RESOURCE MANA or any agent thereof. With that i am requesting, with this request for validation and return it to me, within thirty ( 30 ) days of receipt of this letter.I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you and any and all documentary evidence pursuant to 15 USC 44, that includes all documents, papers, correspondence, books of account, and financial and corporate records. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to cease and desist any and every further action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this letter may result in small claims legal action against your company via my local venue and you would have to travel and defend yourself. I would be seeking actual damages or minimum {$1000.00} in damages per violation for Defamation, Negligent Enablement of Identity Fraud, each violation of the FDCPA including but not at all limited to section 807-8 and each violation of the FCRA including but not limiting section 623-b, whichever is greater.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-18
Company: CCS Financial Services, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I cancelled my car insurance with XXXX XXXX and my apartment insurance. Now when I receive a letter and called them I get a young man threaten me and will not listen that I cancel the policy before XX/XX/2022. This company has been unprofessional once I sign up last year. All i heard in the background was baby crying like he was at home no professionalism and would not listen.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07
Company: EXPERT GLOBAL SOLUTIONS, INC.
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Multiple constant calls by robo dialer calling and hanging up constantly at XXXX seconds or XXXX seconds, leaves vmail once on occasion this a debt collection company information is given as follows E.G.S XXXX XXXX XXXX, XXXX PA XXXX. the company is using a number that is blocking caller id and comes up with only XXXX and number unavailable information was retrieved on company via voicemail message left one time on recording and third party contacting company and obtaining information about the company. -company refused to provide legal compliance information as well., on each day in XXXX starting on XXXX XXXX XXXX XXXX called again XXXX XXXX, then on XXXX call XXXX XXXX XXXX XXXX seconds call XXXX XXXX XXXX XXXX seconds call XXXX XXXX XXXX XXXX seconds, on XXXX XXXX XXXX XXXX seconds call XXXX XXXX XXXX XXXX seconds call XXXX XXXX XXXX XXXX seconds call XXXX XXXX XXXX XXXX seconds call XXXX XXXX XXXX XXXX seconds, XXXX call XXXX XXXX XXXX XXXX second call XXXX XXXX XXXX XXXX seconds call XXXX XXXX XXXX XXXX seconds, XXXX call XXXX XXXX pm XXXX seconds call XXXX XXXX XXXX XXXX seconds call XXXX XXXX XXXX XXXX seconds call XXXX XXXX XXXX XXXX seconds call XXXX XXXX XXXX XXXX seconds ... .. The calls are Repeat and autodialing they are also blocking caller id and attempting to harass contact by repetitive calling and harassing these violate multiple FTC, FDCPA, CFPB Laws in accordance with the LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07
Company: FORD MOTOR CREDIT CO.
State: PA
Product: Debt collection
Sub-product: Auto
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX is reporting 17 late payments on XXXX Credit report illegally after the date of discharge on the following account after repossession / charge off date. Ford Motor Credit is also reporting on my XXXX XXXX credit report 47 lates after repossession and after account was closed and charged off Ford Motor Credit- # XXXX To report lates on closed account is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: EQUIFAX, 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:
On XX/XX/2022, I requested for the company to send me the method of verification used to determine the accuracy of my consumer report but up to this day, I still have not gotten the information as yet. I wish to clarify and personally investigate some issues with my credit but this company refuses to cooperate with and I have been informed that this is a violation of the FCRA laws. I want to file a complaint as my first step in taking legal actions should they continue ignoring my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I have been sending multiple written requests however, the incorrect items listed below still remain on my Credit Report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$400.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$470.00}

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 2016-10-18
Company: Central Portfolio Control Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
Consumer portfolio control company, threatened wage garnishment, lawsuit and arrest if i do not pay them on an account no longer on the credit report. this company calls me everyday from XXXX this is a XXXX California number and said If I pay the debt they bought they would quit calling Stop these people dead in their tracks they use terrible tactics

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Ive been trying to get this off my account for the longest and no one whated to help me figure out the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Transunion reported on my credit report on XX/XX/XXXX that I have a collection for {$210.00}. That is the wrong date, the account was opened XX/XX/XXXX. I never recieved anything in mail about this account. I called the collection agency and they gave me information and told me that the account was being sent to another address that I know longer stayed at. I paid the debt and Transunion telling me that they can't remove the debt. 

I had no knowledge about this debt when it reported on my credit report. 
The last letter was sent to an address that I know longer lived at, XXXX. I haven't been at that address for 4 years.

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 2016-09-30
Company: Stallings Financial Group, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The billed amount was not sent to the insurance company. The doctor office never said it wil be my responsibility. i am a student and cant afford the whole amout

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
Consumer complaint received 2022-10-18
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX Account XXXX Convergent Account # XXXX Total Due {$250.00} Phone Number XXXX Sometime in XX/XX/2022 I transferred service from XXXX to XXXX. 
Transferred 3 numbers XXXX XXXX XXXX. 

Now they are trying to bill me a " phantom '' XXXX number which I do not recognize and never used. 

Talked to 611 customer service and the supervisor, insisted the charge was legitimate. 
Why will I pay for something unknown and never used number by me and my family? 

Please help me resolve the issue it is not a valid charge.

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 2022-10-18
Company: EQUIFAX, INC.
State: DC
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, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX  XXXX : # XXXX, XXXX  Now : # XXXX, XXXX XXXX Bank # XXXX, XXXX  : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 section 602 A, States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation