BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CT
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, XXXX XXXX, of XXXX, in XXXX, Connecticut, MAKE OATH AND SAY THAT : XXXX. XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, Portfolio Recovery have willfully repeated to damage my consumer credit year in and out for over XXXX years. They have violated many of my consumer rights as well as federal laws and cfpb laws. 
XXXX. XXXX XXXX violated the following Federal laws 12 USC 1431- no bank can loan me anything they are borrowing from me 42 USC 408 -Asking/using my social on any extended credit, pre approval or loans is a federal crime being there is no lawful money. 
UCC 3-104 - Willfully and illegally used my negotiable instrument in the extension of credit to be paid to me. 
15 USC 1602g - I the consumer am really the creditor!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I wrote this to Capital One Customer relations using an email address given to me by a powerless " supervisor '' Dear Sir or Madam, I am extremely frustrated with this company and its customer service or lack thereof. Your supervisors do n't answer questions rather they parrot what they have already said over and over and over again as if I am deaf? The supervisor insists she does n't have a boss!! I have a reservation I made using my reward points. I chose the wrong date inadvertently as I am trying to meet a group in XXXX. For a variety of reasons including a prolonged recent illness, I misunderstood the information that they gave me and made the wrong date on the reservation reservation. 
I need to fly the same route and times on XXXX XXXX instead of the XXXX to meet the group when they arrive. I am told now that I can not change this reservation. No where did it say I could n't do that within the information your message sent to me. 
I was sent this email confirmation with links offering to change or cancel that have never worked. I thought it was my ISP provider XXXX issue thenI thought it might be your website. so after many tries to use these on several different days today I called. 
After over 4 hours on the phone with Capital One- XXXX service today, I am NOW told that I can not change this reservation though the request is very simple move the flight date by 24 hours. No where was that information offered before this. In fact there are non working links to change or cancel the reservations with generic statements that say some reservations can not be changed. It does not say this in my confirmation regarding my reservation. 
It does say no refund right up front. I do n't want a refund. I have spent more than 2 hours on this at this time though I feel that my personal time is truly of no value or concern to Capital One. I am a customer in good standing. I have never been late with any payment. I respond with each request to verify charges promptly. I notify before leaving the country. I would very much appreciate hearing from whoever has the power to do anything in order to get me the flight on the XXXX or to reinstate my rewards points which I was told by one agent can be done such that I may make a new reservation. Of course the person I was passed off to would not help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
I opened a secured credit card with my own money with Capital One and later decided to close the account because they were charging high interest on my own money. They close the account and report a balance of XXXX on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-02
Company: Lil' Wave Financial, Inc.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
My loan is service by SLS which is XXXX. I'm paying off my loan, title asked for a servicing agreement to wire the $ to pay off the loan. SLS doesn't have the servicing agreement with the private lender. " or private lender doesn't want to sign the servicing agreement ' per SLS '' Payoff is good through today XX/XX/2020. Title is paying off loan today. But SLS have not provide servicing agreement. 

I would like SLS to take complete responsibility for any fees, penalty or late charge or daily interest that XXXX incurred after XX/XX/2020 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: WAKEFIELD & ASSOCIATES, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
So I noticed there was a debt collector medical bill placed onto my credit ; The debt agency is Wakefields & associates I have no recollection of ever signing or allowing a contract from this company come through ; when I called there phone number and stated medial debt arent allowed to be displayed on credit they said nothing of the situation. Ive sent letters in to the 3 bureaus known as XXXX, XXXX, and XXXX as well as Wakefields and associates. I was never contacted back through letters by no bureau expect XXXX. When I stated how my Hippa laws were violated and I do not accept this and would like it removed off of my credit report. This debt contract that was never authorized by me was made XX/XX/2021 ; signed over by a company under the name of XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
According to XXXX Report, this account was sold to Portfolio Recovery from XXXX ( XXXX ) and they are both reporting negative information for XXXX single debt. After a dispute filed with XXXX, ( see attached results ) the results state everything has been verified. How? when they both are reporting duplicate negative and collection agency accounts. XXXX, the original creditor, is reporting XXXX negative account XXXX on my credit report. Copy of contract proving debt was sold to them, proof of orginal debt, etc has not been received from Portfolio Recovery.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-15
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card
Issue: Late fee

Complaint:
I made a late payment to my credit card which is through Comenity Bank. I have never missed a payment, even if it is late, and I regularly pay off monthly at least the minimum payment but on the rare occasion the payment is not on time they will call multiple times a day every day at all hours of the day. They also call my mother 's home landline multiple times a day. I have already asked them to stop calling but they only switched to calling from unknown numbers so I can no longer block them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-02
Company: Experian Information Solutions 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:
THIS ACCOUNT LISTED WAS OPEN FRAUDULENTLY I DID NOT OPEN THIS ACCOUNT SOMEONE USE MY PHOTO ID AND SOCIAL SECURITY NUMBER XXXX am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA & # 39 ; s. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2022-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 reviewed my credit report and it showed multiple errors. The errors included incorrect names, addresses, accounts, and inquires that weren't authorized by me. I submitted multiple letters on XX/XX/XXXX, a second letter in XXXX as well as another letter XX/XX/2022. I haven't received any updates and this is affecting my life majorly due to them constantly reporting incorrect and fraudulent information.

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 2021-01-05
Company: RS Clark and Associates, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a debt validation letter for a medical account via certified mail ( XX/XX/2020 ) requesting : 1. A copy of their bond and license to collect in TX 2. A copy of the agreement authorizing authorizing the company to collect the debt 3. An accounting statement of the amount owed 4. A copy of an agreement with my signature confirming acceptance of the debt 5. The name and address of the original creditor. I did not receive any of the requested information. I received a copy of a demographic information printout. The printout had " RSC {$1700.00} '' handwritten on it. I sent a reply via certified mail ( XX/XX/2020 ) stating my request was not fulfilled and none of the information from my request was provided. I received a reply basically stating that was verification and they wouldn't provide any additional information. They have since marked this account as closed and are still reporting it to the credit bureaus. I have attached a copy of the letters sent and the response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
My credit report show a judgement that was satisfied XX/XX/2018 as filed instead of satisfied.

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 2022-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.

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 2016-11-04
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: MI
Product: Payday loan
Issue: Can't stop charges to bank account

Complaint:
I defaulted on my loan and they tried cashing the check for the full amount after I had already paid part of my balance down and my bank will not cash it if the money is not there. I get hit with non sufficient funds fees every time losing XXXX dollars everytime. Making it harder for me to repay them back. I have XXXX loans out one at Check Smart and one at XXXX XXXX. I will never be able to pay them back if I continue to lose money for NSF fees on top of the ridiculous fee for taking the loans in the first place to repay back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My personal information is wrong as well as accounts listed with incorrect factors across all 3 bureaus

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 2022-03-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
To Whom It May Concern, Kohls Credit Card online services keep kicking out automatic draft. They have change there website. This cause my account to have its first ( 1 ) 30 day late. I have never been late. This was not my fault. I need 30 day late on credit report remove. This is a Billing process error on Kohls side. 

Im very upset about this confusion. Please delete ... ..I already notified Kohls.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
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:
A XXXX account was opened in my name back in XXXX. I did not open this account and was unaware of it until it charged off in XXXX. I contacted the Ceo of XXXXXXXX XXXX XX/XX/XXXX asking for them to remove this account from my credit as a good will gesture. I was XXXX when this account was opened and during my XXXX i wasnt aware of half of the things occurring with my credit. XXXXXXXX XXXX stated the would research my request and get back to me in 10 days. They did not. I contacted them again and they told me it would take another 10 days. I contacted them a 3rd time and they said a letter was sent. I never received one and i contacted them again and a 2nd letter was sent which i did receive. In the letter they stated they removed late fees from the balance due to SCRA. I then contacted XXXX to just find out about resolving the balance of XXXX to have the trade line removed as it wasnt opened by me in the first place and they told me there is no way possible. I didnt open this account and i am trying to repair my credit so i was willing to pay money that i didnt even spend.

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 2022-09-16
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On XX/XX/XXXX I cashed via on my mobile device a check for XXXX through my bank HSBC.The check was from XXXXXXXX XXXX XXXX and there bank was XXXX XXXX and the funds was from selling my vehicle to them. Fast forward XX/XX/XXXX I get a l letter that the check deposit is being reversed. I have spent since XXXX dealing with my bank HSBC trying to obtain proof that the money was returned back to XXXXXXXX XXXX I have talked to the maker of the check and they just show the check clearing the account but never the funds returning back to them. They also state that they never asked for the check to be reversed. So now Im out the XXXX dollars and each side tells me the other one has the money. HSBC tells me I need to go to the maker of the check but why is my bank taking money out of my account and sending it to the makers bank after it had been cleared back in XXXX. I need help getting proof of which bank really has the money. The two managers at HSBC is XXXX and XXXX that I have been working with. The case ID number is XXXX through HSBC. The Head of back offfice at XXXXXXXX XXXX XXXXXXXX is XXXX XXXX. Please help me as I have tried to work with the bank to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
New Discovery- Select Portfolio Servicing added and reported to the credit bureau and flagged my account as loan modification on XXXX XXXX its also states Activity : Conventional Real Estate Mortgage Including Purchase Money and First Mortgage. Neither of the above information is true. Select Portfolio Servicing just added this false and misleading information on XXXX XXXX but changed the year, because it did not have this information before on the credit bureau reports. I get a letter from Select Portfolio Servicing dated XXXX XXXX stating Refinance/Modification. Therefore this was change before the letter was sent out. I want to know did SPS altered, change or added statements on any documents? Because I know they are trying to cover up for XXXX XXXX XXXX in which the loan was transferred in XXXX XXXX, Also it obviously that an fraudulent assignment of note for insurance benefits ( claim ) was applied with the FHA mortgage insurance on the property.Date of Contact of insurance termination was on XX/XX/2014. Due to the fraudulent defective dry wall property insurance claim, cause the FHA Connection lender query case number XXXX to be terminated. Therefore the FHA mortgage insurance was canceled due to the mortgage fraud. That is when XXXX XXXX XXXX  applied a Conventional Real Estate mortgage loan to my property, then purchasing money first investment account for profit. It appears the loan investment account number was XXXX the same account number was used to collect a large sum of money, refund on property insurance claim on XX/XX/2014 with XXXX XXXX XXXX XXXX. This is also a fraudulent claim, also accelerating the escrows payment. On XXXX XXXX XXXX XXXX XXXX fraudulently set up a loan modification as if I was behind in payments which I was not, because they made a fraudulent assignment of note claim, on a defective dry wall claim On the property in which I knew nothing about and then making a fraudulent property insurance claim with XXXX XXXX  XXXX   XXXX.I had no knowledge of any of the above fraudulent activities. Therefore the loan modification that Select Portfolio Servicing has in their possession account number XXXX XXXX XXXX XXXX loan number that was transferred to SPS on XXXX XXXX and account number XXXX Select Portfolio Servicing number is misrepresenting fraudulent funds that was acquired by fraudulent insurance claims on that XXXX XXXX loan modification. And maybe still collecting funds for profit wit money first investment account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I never received any notifications from Union Bank about needing proof of insurance on my mortgage. ( I verified that they have the correct email and text number, but I received nothing. ) They did have an incorrect mailing address ( which I could not have given them ), so maybe they sent something by postal mail that I never received. They proceeded to purchase hazard insurance, again without informing me, even after the fact. Then even though I have my mortgage premium on auto-pay and have never missed a payment, apparently I was getting behind and having late payments assessed because I was not paying them back for the hazard insurance I did n't know about. I ca n't believe it is legal for them to do all this without ever contacting me or calling me. I only even know it happened because they FINALLY called my home phone when they sent me to a collection agency. A simple call to that same number that they clearly have in their system would have prevented all of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: Dovenmuehle Mortgage, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Since XXXX I have been trying to submit a request to have our home appraised in order to potentially remove the PMI I've been paying. During the beginning of Covid, I was furloughed from my job. I put my loan in foreberance for a total of 3 weeks, and paid my loan current when I was allowed back to work. We've requested the late payment to be removed, and were assured by multiple people that " a note has been put on the account, '' and to re request a PMI removal. It's been 3 times, and we've been denied due to a " Late payment '' each time. 

I have communicated with the bank if our house does not appraise well, I would be willing to pay the extra principal to get our loan under 80 LTV

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: Navient Solutions, LLC.
State: AR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
My loans were taken out to attend XXXX XXXX XXXX XXXX from XXXX. I believe the school acted unethically in disbursing my loan by forcing me to ask permission to receive my funds which were designated to be used for my education and living expenses. I also believe that the school did not provide credit counseling to me in an ethical or timely manner. Furthermore, I believe my first loan servicer did not assist me in ensuring that my debt would n't triple. What began as approximately {$26000.00} in loans has surmounted to over {$70000.00}. The balance is augmented drastically due to high interest, collection fees, and bank fees. I would like an investigation into the matter, so that I am able to see an end to the debt. At the rate I am paying now, I will be unable to ever repay the debt in full before my death.

Company response to consumer: Closed with explanation