BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-13
Company: Experian Information Solutions Inc.
State: HI
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:
Beginning XX/XX/2017, I closed all my credit cards and loan accounts. I legally closed all of these accounts with the help of XXXX XXXX XXXX XXXX " XXXX '' ). XXXX guaranteed me all these accounts were closed. In addition, XXXX promised that they were consolidating all these accounts into one payment of {$690.00} through their sister company, Consolidation Plus. These are the following accounts closed in 2017 : 1. XXXX XXXX XXXX ; 2. XXXX XXXXXXXX ; 3. XXXX XXXX XXXX ; 4. XXXX XXXXXXXX XXXX XXXX ; 5. XXXX XXXX XXXX ; 6. XXXX XXXX ; 7. XXXX XXXXXXXX XXXX ; 8. XXXX XXXX XXXX ; 9. XXXX XXXX XXXX ; 10. XXXX XXXX ; 11. XXXX XXXX ; & 12. XXXX XXXX. 
Since that time, I have paid off all these accounts except for three XXXX XXXX XXXX, XXXX XXXX, & XXXX XXXX XXXX XXXX. However, I have noticed that the information being reported on my credit reports by Experian is incorrect. Experian shows that my accounts went into default : past 30 days, 60 days, 90 days, etc. These accounts were closed before they started going into default. I have been disputing this incorrect information with Experian for a few years now. Unfortunately, they continue to report incorrect information on my credit report. 
Experian claims to have investigated the disputes. By whom? An independendant investigation company or their own biased investigators. In the last four years, I have suffered mentally, financially as a result of these negative remarks on my credit report. Their negative remarks on my credit report continue to bar me from obtaining automobilbe loans, personal loans, & credit cards.

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 2021-03-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I recieved a letter dated XX/XX/2021. From KOHLS customer Service Contact Center. 
Indicating that my My kohls card was apparently closed after I made a payment due to thier own observed activity in which " they say ( Kohls ), supposevely they say that my account is not being used in a manner of consistency based on thier terms of the kohls agreement..

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29
Company: Frederick J. Hanna & Associates, P.C. (closed)
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I have default judgment against me that was filed by the law firm of Hanna and Associates. I never received any documents to verify/deny the debt was owed. The debt they are claiming has over {$3000.00} in interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: CORELOGIC 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: Credit inquiries on your report that you don't recognize

Complaint:
I've been working since XX/XX/2020 to get it cleared up. I've sent letters to the bureaus and letters to the creditors several times. The bureaus letters were a series of stall tactics. Everytime we called they said they did not have any documents ( which we sent 4 times ) yet the I received a mailed letters requesting specific ids. I sent passport, they asked for ssn, which I also provided. I sent letters to the creditors and got no response. They did not verify that the inquiry ( CREDCO Inquiry : XXXX. XXXX, 2020 ) were authorized.

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 2020-03-23
Company: Trident Asset Management, L.L.C.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I noticed that the company Trident Asset Management was reporting on my credit report for the amount of {$920.00} for a credit card account with XXXX XXXX XXXX that was opened XXXX XXXX. I have never had a credit card with such company, was never contacted by Trident prior to them reporting to my credit report on XX/XX/2020, and they refuse to correct the erroneous reporting on my credit report or to look into the false debt. I called their customer service line multiple times, with no success. This needs to be removed from my credit report immediately. 

Thank You

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: Phoenix Financial Services LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have been notified of an alleged outstanding medical debt from three years ago, dated XX/XX/2018. This is impossible, as I had two insurance policies at that time, which covered me at 100 %. The letter has threatened to " report it to the credit reporting agencies as unpaid for as long as the law permits this reporting. '' I dispute the validity of this debt, and I'm sure threatening to ruin my credit for a debt, for which I do not owe, from three years ago, is against my FCRA rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
On XX/XX/2021 I sent TransUnion a letter disputing the validity of the bankruptcies they are reporting on my credit report. I also sent a method of verification letter and a letter from the courthouse stating that they ( the courthouse ) doesn't verify their information with the bureaus. I expected to receive a response within 15 days of receipt of this letter in compliance with the FCRA, but unfortunately that didn't happen and is a violation to my FCRA rights.

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 2020-03-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Capital One Credit card is holding ach debit for long periods of time. I resolve the first issue but they continue to place hold on cash. I have to call capital one constantly now and been with them for a while.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: Law Offices of Robert A. Schuerger Co., LPA
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX, I recieved a debt collection letter from the Law Offices of Robert A. Schuerger. On XX/XX/XXXX I responded to that letter by certified mail asking for validation of debt under the Fair Collections and Debt Act. I got no response. Starting in XXXX, XXXX my credit report through XXXX showed a collection notice reported by the Law Offices of Robert A. Schuerger. This detrimental action is against the Fair Collections and Debt Act as collectors need to send proof of debt if requested before continuing collection on debt including reporting to credit bureaus. I made a complaint to the CFPB on XX/XX/XXXX. Company responded on XX/XX/XXXX saying they would rememdy the situation by sending out debt verification and moving the account to disputed. Neither of these happened. Instead my XXXX  challenge was changed from disputed to verified. On XX/XX/XXXX, I received a letter from Schuerger. It contained a one sentence response of " Enclosed, is the information you requested regarding the account listed above. ". The documents contained inside were my letter and a copy of the certified mail receipt. There were no documents germane to the account and the supposed debt, nor was there any attempt to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
On XX/XX/2020 at XXXX XXXX  I sent written communication to Portfolio Recovery Associates dated XX/XX/2020, requesting documentation to substantiate information being furnished to the national crediting reporting agencies on account numbers XXXX, XXXX, and XXXX. The request was made pursuant to the FCRA 623/FACTA 312 and is a requirement under Information Furnishers Duties. On XX/XX/2020 I received written communication from Portfolio Recovery Associates dated XX/XX/2020 that did NOT meet the requirements of FCRA 623/FACTA 312. Instead, Portfolio Recovery Associates sent printed copies of credit card statements addressed to addresses that are not of my own. I made a request for them substantiate the information theyre reporting is pursuant to the FCRA/FACTA, thereby causing Portfolio Recovery Associates communication to be significant of a non-response within the statutory 30-day time period to respond. FCRA 623/FACTA 312 requires Portfolio Recovery Associates to provide the following : ( 1 ) Proof of Liability via original application, ( 2 ) The Terms of the alleged liability, ( 3 ) Proof of performance made by me, ( 4 ) Proof of any other information contained in the credit report regarding the account. Portfolio Recovery Associates provided none of the above. Portfolio Recovery Associates continue to report unsubstantiated information to my credit report in violation of my consumer rights and is attempting to benefit commercially by violating federal law which potentially makes them actionable by criminal complaint. Portfolio Recovery Associates has violated the Red Flags Rule and Metro-2 Reporting Standards, thereby violating my rights under the FCRA, ECOA, and FCBA. On XX/XX/2020 I repeated the entire above process with the same outcome from Portfolio Recovery Associates. The above illegalities were committed via USPS mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-26
Company: Experian Information Solutions Inc.
State: NY
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:
Bank XXXX XXXX, They have not done their due diligence and they refuse to go through their records and recorded lines. They are very rapid and rude. They continue trying to reach me over the phone instead of going through CFPB. It seems that the credit agencies are very biased towards the banks even if the consumer has showed in the banks own email, letterhead and all their logos and information that payments have been made. They are causing damage and being malignant in every which way. I can't spend more time fighting these banks even though I continue making payments. 

They are hurting me and my family. I hope you take this very seriously. 

XXXX XXXX  XXXX can't continue doing what they are doing. 

Thanks

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 2016-09-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Account # XXXX Balance : {$530.00} Creditor : XXXX XXXX. 

Account # XXXX Balance : {$0.00} Creditor : XXXX Account # XXXX Balance : {$270.00} Creditor : XXXX . 

This collection company is continuing their collection activity on this account on my credit report. I feel they did not validate this account or debt per my request that I sent them in the mail previously. They have not provided signed proof that I incurred this debt, an itemization of the debt and a copy of the underlying account statement and other written validation and explanation of the debt. 

Being that they failed to provide it, this is a clear violation of FDCPA. Proper validation consists of copies of some type of current creditor records, not records which only verify that the collector believes an account is valid. 

They are also violating the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate information on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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 check my credit report every day and I checked my report on XX/XX/XXXX to find out capital one and XXXX XXXX  has added XXXX inquires illegally to my credit profile from XXXX of this year that wasn't showing at all until XX/XX/XXXX these inquiries are fraudulent and are not mine I have not applied for capital one or XXXX XXXX and am not currently a cardholder with these companies these inquiries should be removed immediately ... also the address they provided they say the application was made with of XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX and phone number ( XXXX ) XXXX isn't my address I have never lived or resided at that address at all

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a refinance with Wells Fargo Bank N.A. and spent 3 months submitting information to them often the same information for the refinance. At the start they requested XXXX dollar {$500.00} which would be for an appraisal. Well at the end of XXXX I was told that they could not refinance my loan because the chapter XXXX release needed to be 2 years in order for Wells Fargo to issue a loan. My question was as an underwriter should you not have been aware of this from the beginning? That was the 1st thing we discussed. To make a long story short, I said fine let 's move on, please refund me the appraisal fees being that we never scheduled or even spoke about scheduling. I was told it was not Wells Fargo policy to return appraisal fees because they place an order when they start a loan process. I told them, I have not received a service for which you want me to pay for. That is called fraud. I want my funds return. I then proceeded by sending an email to the underwriter requesting my refund for the appraisal fees that were not performed. Until today, I have been forwarded to phone numbers that do not respond and it seems that I have little hope of getting my appraisal fee back. I'm retired on full XXXX and a senior citizen who can not afford to loose {$500.00}, it may not be much to others to me it is alot of money. To charge a customer for a service that is not provided is fraud. Any other person did this to people they would go to jail. Well Fargo is a big bank and makes big political donations, yet they are committing fraud with the American tax payer and getting away with it.

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 2015-04-13
Company: McCalla Raymer Leibert Pierce, LLC
State: GA
Product: Debt collection
Sub-product: Mortgage
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
Homeowner received letter of collection from MCCALLA RAYMER LLC. The letter advised unless there is dispute the validity of the debt or any portion, there was thirty days to respond which HOMEOWNER requested validation of debt with cease / desist response. MCCALLA RAYMER LLC XXXX XXXX XXXX XXXX statedMcCalla Raymer LLC does n't have to respond and will not respond. Then XXXX XXXX stated the information was sent to XXXX XXXX Bank, you can ask them for the papers. 
XXXX XXXX Bank XXXX XXXX XXXX preservation XXXX stated XXXX XXXX Bank had not received any information from attorney McCALLA Raymer LLC. XXXX XXXX Bank informed XXXX XXXX informed HOMEOWNER, he needed to call McCalla Raymer LLC. 
The XXXX Georgia Community Organization OCCUPY OUR HOMES XXXX reported McCalla Raymer, LLC XXXX XXXX Bank Mortgage/Attorney McCalla Raymer XXXX XXXX XXXX XXXX XXXX Georgia XXXX contact : XXXXMcCalla Raymer has been instrumental in assisting banks in their effort to steal wealth from hard working Georgia residents. McCalla Raymer has excelled at putting people out of their homes and into the street. 
McCalla Raymer for going the extra mile to swiftly remove people from their homes so that banks can claim massive inventories of vacant homes, collect insurance, and then sell homes to private equity firms at record rates.McCalla Raymer also played a key role in the robo-signing scandal. In fact many fraudulent robo-signed signatures were signed by McCalla Raymer personnel. Robo signing may not have been possible without the tenacity of McCalla Raymer. McCalla Raymer has, and they certainly have profited greatly. HOMEOWNER asked MCCALLA RAYMER LLC Assistant Attorney XXXX XXXX XXXX XXXX about verification and XXXX stated what XXXX XXXX tell them is good enough for them. 
HOMEOWNER never did receive any verification from cease and desist letter submitted to Mccalla Raymer LLC attorney firm. 
On XXXX XXXX, 2013, XXXX XXXX XXXX XXXX/Attorney McCalla Raymer XXXX XXXX XXXX XXXX XXXX Georgia XXXX XXXX REPORTED XXXX WAS HOLDER OF DEED AND PROMISSORY NOTE ON LISTED PROPERTY. XXXX XXXX XXXX MORTGAGE WAS SERVICER FOR XXXX XXXX XXXX. When HOMEOWNER reported that XXXX XXXX XXXX had reported not to be lender of deed. MCCALLA Raymer LLC RESPONDED WE JUST GO BY XXXX XXXX XXXX Bank tells us. which IS FORECLOSURING ON FOLKS ON HERESAY AND NOT INVESTIGATING FOR LEAGALITY .... 
MCCALLA RAYMER LLC XXXX XXXX XXXX XXXX statedMcCalla Raymer LLC does n't have to respond and will not respond. Then XXXX XXXX stated the information was sent to XXXX XXXX Bank, you can ask them for the papers. 
XXXX XXXX Bank XXXX XXXX XXXX preservation XXXX stated XXXX XXXX Bank had not received any information from attorney McCALLA Raymer LLC. XXXX XXXX informed XXXX XXXX XXXX, he needed to call McCalla Raymer LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: SYNCHRONY FINANCIAL
State: IN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
This is a general issue that I notice with most if not all consumer credit card statements. I have various multiple credit cards where I shop and I have them only to use the rewards and discounts I receive. I pay them off in full when due. The problem is the statements include no detail as to my purchases. Often there is as much as a month or more between purchase date and statement receipt. While I receive numerous pages of useless information and advertising with the statement, other than the date of purchase, and location, I receive no description of the products purchased. I really can't remember oftentimes specifically WHAT I purchased. Certainly the barcodes contain this information and it shouldn't be that difficult to include it. I often wonder if I'm paying for what I actually purchased. Can you help?

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 2021-03-13
Company: EQUIFAX, INC.
State: NY
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:
Attention! My Identity was stolen from me and my Social Security Number was compromised. It was also compromised in the Equifax data breach as well. I contacted my cousin who is a laywer and they stated that I should submit a complaint to the CFPB to ensure that the accounts listed on my Identity Theft Report be removed under the Fair Credit Reporting Act. The FTC report has been filed. I will attach it down below.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: CL Holdings LLC
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Jefferson Capital Systems , LLC at XXXX XXXX XXXX XXXX. XXXX, MN XXXX has been sending me collection notices in the amount of {$1800.00}. The Collection has been reported as pasted due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.

Company response to consumer: Closed with explanation