BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I didnt know which to select above but basically, XXXX was sending me immense phone bills, i was in and out of hospital for several months due to illness and operations where I missed payments, XXXX were kept informed of my situation and made aware of payments going to be delayed and then there was a point where I came out of hospital asked what was owed in total and I paid the whole amount off and purchased an upgrade within 2 days of the new phone they cut me off and sent me a phone bill for hundreds yet again just 2 days after paying the whole debt! I asked them to provide me with proof of the usage which they did not for 3 years I tried several times to obtain this and even made offers to pay which were refused, just to get rid off them. The bill was in dispute and i withdrew my consent for them to have my data or continue as they kept breaching what was agreed, they then recently sent me the statements but made it clear that they no longer have any debt owed from me and that they require no contact with me this was because they had sent my data to a credit agency which has marked my credit file and refuse to remove themselves and have threatend to continue to harass me despite my attempts to get them to leave me alone and remove it, it has prevented me from many things as this is the only negative thing on my report and has caused me great distress. I have no contract with the debt collectors nor do I owe them a penny, and withdrew any consent for data to be held they have tried to use vodafones terms and conditions stating they can as per my terms, in the act of laws if a contract is disputed the original terms are null and void therefore the debt collectors shouldnt even hold my data in the first place let alone threaten to continue to XXXX me for debt, they were made aware of this dispute with vodafone and told that the terms are disputed and they were not aloud to access my data, but chose to ignore it and continue to obtain data from vodafone to XXXX me for money. XXXX are not my issue now, they have stated they will never contact me again, but PRA ( portfolio group ) refuse all attempts made and state they will XXXX me for debt, they can have my data and i do owe them money, all of those are incorrect, I dont even have a contact with XXXX never mind PRA, unless they can prove my agreement to their terms and show me a contract between myself and them I wish for them to remove from my credit file and leave me alone this is all I wish for. Thank you for taking the time to read this and I hope you can help me. Regards

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: ALLY FINANCIAL INC.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I was trying to send money to a person via XXXX through Ally bank. Ally bank immediately blocked my XXXX account without providing a reason, and Ally customer service gave me a runaround with specialist until I gave up. 

I used my XXXX account with XXXX to transfer to the same person and it went through without any problem.

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 2015-05-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Portfolio Recovery Associates LLC is threaten to sue me on time-barred debt in XXXX XXXX XXXX, Florida local case number in XXXX. XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Fl XXXX filed the complaint without notification of the compliant. This debt occurred between XXXX and XXXX. I never received service of process about the court filing and hearing set for XXXX/XXXX/XXXX. I came aware of this lawsuit and date of hearing by searching the clerk of the court website for some other matter. This is unfair practices by the company and attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: EQUIFAX, INC.
State: MD
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:
Checking over my report today and I have noticed that these accounts & inquiries are still reporting on my file after I have been disputed & waited for a response after 45 days .you are still going against the law and I have rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: OneMain Finance Corporation
State: SC
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:
One Main Financial Services has reported a loan on my credit report with incorrect information. The loan states that the loan was settled by me for a amount less than owed which is not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28
Company: Caliber Home Loans, Inc.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Caliber Home Loans has decided that they are going to charge a {$3.00} fee to make my mortgage payment on time. I did not agree to this when I signed my loan documents. Caliber has routinely tried to charge me late payment fees even when payments were made on time. It does not surprise me that they are trying to charge a fee to pay them interest. This type of practice needs to be abolished.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My name is XXXX XXXX.. I am a Consumer natural person.. CAPITAL ONE BANK is in violation of my Consumer rights pursuant to the Truth In Lending Act & the Fair Credit Reporting Act.. On XX/XX/2021 CAPITAL ONE BANK closed my account without written consent or permission from myself the Original Creditor.. CAPITAL ONE BANK has no documentary evidence that states I extended authorization or gave them permission to act on my behalf.. My damages from such actions have exceeded & XXXX. I am filing this claim to notify CFPB of the wrong doings of CAPITAL ONE BANK

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: JPMORGAN CHASE & CO.
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
The individual initially reached out to me through a random comment on a post I made on XX/XX/2021 through XXXX, there was a conversation how she was a XXXX XXXX looking to spoil a XXXX XXXX and enticed an initial payment for {$4000.00}, followed with a {$200.00} weekly allowance. It started off with small payments of under {$100.00}, two payments. Then the amount grew to {$450.00} and eventually {$950.00}. I stopped at {$450.00} as soon as I caught on. it started with XXXX fees, then attorney fees, then the account manager. I paid {$450.00} to them through XXXX using the Chase website. On XX/XX/2021, I have tried calling Chase to dispute the money transfer and transaction but the representatives over the phone were rude and did not help at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have sent Trans Union numerous requests to investigate, verify and remove accounts from my credit report that do not belong to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have a XXXX account which was reported by TransUnion for {$540.00} on XXXX XXXX, XXXX. The current fees is {$550.00} from a citation processing center whick I know nothing about. However these collections were posted on my credit report on XXXX XXXX, XXXX. This is a serious matter that conflicts with my credit score.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
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: Investigation took more than 30 days

Complaint:
I wrote the three credit bureaus, XXXX, XXXX  and TransUnion on XX/XX/2021. I sent my disputes certified mail. None of this companies have responded in the past 30 days.

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 2021-07-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I HAVE INQUIRIES THAT I DID NOT AUTHORIZED I ALSO HAVE A 30 DAY LATE PAYMENT THAT IS NOT TRUE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: EQUIFAX, INC.
State: MA
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:
HI CRA ; HI cpfp ; Look at the attachments and screenshots of those unverifiable accounts. I been trying to resolve this for months now but i continue to receive genetic responses from the credit bureaus saying that it was verified. Impossible that i can be verifiable as being accurate. 
It continues to report incomplete, misleading, erroneous and multiple inaccuracies. How is it even possible that it can be verified as accurate ... no way. so many inaccuracies on these accounts the way it's reported. i need your help in removing these all. again, Its impossible that these accounts can be investigated because it continues to report misleading, inconsistent, inaccurate, and unverifiable data, and therefore its not in compliance with the consumer laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: CCS Financial Services, Inc.
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a notification ( 3rd time ) that a collection was placed on my XXXX  credit report. The bill was from XXXX and I have NEVER had an account with XXXX. I wrote letters to the past two collection agencies and they removed the entry from my credit report. However, this company, CCS Collections has entered this collection on my credit report and refused to remove it.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
I am still waiting for a response from Ocwen. Case # XXXX. My first letter was XX/XX/2016. Ocwen responded with nothing more than a copy of my modification. That was n't what I asked for. I sent a follow up letter XX/XX/2016 and have not heard anything. I want an accounting of the numbers used in my modification and if Ocwen is not hiding anything, why wo n't they provide it. I work for XXXX Mortgage and the numbers I am referring to are in the modification waterfall. I provided them in my original letter. Further, when you apply for and are approved for a modification, is the Lender supposed to provide the numbers prior to your acceptance?? They did not. What about the Reg. Z and Reg. X with regard to modifications. Also, I was told the modification was a fixed loan and turns out it is an adjustable. Does the lender not have to provide that information when they are doing a modification? Please respond and have Ocwen provide the calculations used in the modification. 
Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: Jim Bottin Enterprises, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Joined " XXXX  XXXX '' online in late XX/XX/XXXX. I was never give a written copy of my alleged contract. The management kept saying I could see it on " The App ''. 

I cancelled the membership in writing ( mailed to : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ) on XX/XX/XXXX. They ignored the request. 

Then I sent the same letter to the corp. HQ office at XXXX XXXX XXXX XXXX XXXX , NH XXXX and via fax. 

The cancellation letters were sent via USPS on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Additionally, I called the customer service number and was unable to reach an actual human to talk to. They have a system that transfers you to a new recording. You can not speak to a human. 

I believe each letter was intentionally discarded or ignored so as to continue to bill me. Thankfully, XXXX XXXX was kind enough to " Block '' future charges. They claim hat I owe {$93.00} for a place I've never stepped foot in. 

XX/XX/XXXX I finally spoke to ABC Fitness Solutions ( 3rd party collections company ) who stated that only the local gym could cancel my membership. 

I then call the local gym again ( 3rd time ) and " XXXX '' was immediately defensive and extremely evasive in her actions and answers when I asked why my membership was still active nearly 90 days after being cancelled. She stated that they never received the first 2 letters. When I pressed her, she then stated " Oh yeah ... we just got it today ''. So she claims that it took 3 letters mailed and 60 to 85 days for her to know my wishes? 

Within minutes of the above phone call I received the attached cancelation form. It is fraught with errors and misinformation. I canceled the membership on XX/XX/XXXX. Not XX/XX/XXXX. I'm not " unhappy about billing ''. I unhappy about the obvious fraud and deception. It indicates that I " Checked In '' at the club on XX/XX/XXXX. This is false. I've never been there even to work out. 

I believe ABC Fitness Solutions has violated fair debt collections practices. They have zero disclosures in the communications. They are acting as a third party collection agency. 

This entire process smells of fraud and deception.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: EQUIFAX, INC.
State: IL
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 would like you to check the origins of three inquires that appeared recently in my credit report. I do not recognize them at all. I want to complain as I have unknown items in my credit report and I ask you to remove them

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Citi Opened account in my name which I never apply for. Made balance transfer {$5100.00} to XXXX account ( this account not belong to me ).

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 2021-07-29
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
After 40 days of me constantly disputing trying to get in contact or a response from the creditors, Bureaus, & third parties I ask that these inaccurate accounts be removed off my credit permanently due to the fact you guys keep going against the law disregarding me. I have rights too. 

Remove these inaccuracies off my file immediately! 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies.

1. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft BK OF AMER Account Number : XXXX This is not mine. 

4. Identity Theft BK OF AMER Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have requested Portfolio Recovery to verify a debt they have reported to my credit report and have not gotten any documentation or reponse

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
We took out a HELOC with Bank of America in XXXX, FL in XXXX, XXXX for {$500000.00}. We were told at the time if we closed the account earlier than three years from that time, there would be an early closure fee of up to {$450.00}. 

Our insurance deductible for wind loss increased significantly so we decided to forego wind loss insurance and self-insure. In order to do so, we needed either ( a ) a letter from BOA stating that they approve of the windstorm exclusion or ( b ) close out the HELOC which has no balance on it because no portion was ever drawn down. 

We were told on or about XX/XX/XXXX that the windstorm insurance could not be removed while BOA was lienholder so we inquired about closing out the HELOC. At that time, we were told the early closure amount due was approximately {$3000.00}. We were astounded. I spoke with a supervisor on XX/XX/XXXX after thoroughly reviewing our entire file again and she advised that the fee was security fees to record the mortgage in XXXX County, FL and that we should have that information in our file. 

We pulled the mortgage up online and saw the fees for the first time listed at the top and we completely astounded since we were NEVER told verbally or in any disclosure that these fees would be due as an early closure fee. Certainly the bank in XXXX County that closed the loan would be aware of certain fees. Pursuant to Paragraphs 14 and 15 of the Disclosure we have no liability for the security fees.

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 2021-07-29
Company: Checkr, Inc
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
On XX/XX/XXXX, I received a notice from my employer, XXXX, that Checkr , Inc. had reported my drivers license as having expired on XX/XX/XXXX. While I did have a license that expired on that date, I renewed my drivers license on XX/XX/XXXX. I filed a dispute with Checkr, including a photo of my updated license in the report, and they launched a reinvestigation. Today, on XX/XX/XXXX, I received another email from Checkr stating that the information is accurate and they are not changing anything. When I reached out to the phone number provided to contact Checkr, I received a recording that stated they are not accepting calls at this time. The false report now remains on my Checkr background check and interferes with my employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: EQUIFAX, INC.
State: NV
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:
Im a victim of ID theft. And : I produced all the documents to XXXX  and they are refusing to fix the problem. They are still reporting the fraudulent accounts on my credit file

Company response to consumer: Closed with explanation