BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had two negative debits in XX/XX/2016 while going though a divorce. I paid both with settlement offers. One debit for XXXX XXXX XXXX  act # XXXX original amout owed {$3700.00} gave me a XXXX for the amount not paid in the settlement which was claimed on my taxes as income earned. I also had a XXXX XXXX debit act ending in # XXXX original amount owed {$2300.00} settled with a collection agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Now a company called Portfolio Recovery Assoc. LLC shows both as negative on my credit. I have reached out to them with proof of payments either with the XXXX and with the letter from XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX with the settlement offer, cleared check and letter from them stating that the debit was settled per agreement and closed. 
Portfolio Recovery responds that they will not remove these from my credit and they want to make payment arrangements with them. I would like these removed from my credit since I paid them in XX/XX/2016 in agreements with other companies. I can submit proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: EQUIFAX, INC.
State: IN
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 recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see iterns ; that aren't mine. I got in contact with the police and FTC. I don't understand what's going on but these items are not mine and they all need to be deleted from my credit report XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, also the inquiries are not mine XXXX/XXXX  XXXX , XXXX/XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. Thank You. Also I have never lived at these addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX and XXXX XXXX XXXX XXXX , XXXX XXXX. Must be a name mixup. I have stayed at XXXX XXXX XXXX XXXX, IN XXXX all my life. Please fix the issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13
Company: Santander Consumer USA Holdings Inc.
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: Account status incorrect

Complaint:
This Santander Consumer is reporting 90 days of being late, which is absolutely false. All payments were made on time or early as I had automatic payments. The account has been paid in full for a couple of years, but this still impacts my credit. The company needs to correct where they state I was late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: Global Lending Services LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I purchased a vehicle in XX/XX/XXXX I made first payment in XXXX Im trying to refinance as it it showing I still own the full amount of the loan. I called the lien holder who told me that in order for just 14 % which is the interest applied to the interest I would have to call each time and give verbal consent and will only be done that way as long as I request that or they will apply as much as they want to interest and anything left over to principal the lien holder never advised me I had to do that and I believe purposely kept that information from me in a predatory fashion Effective Date XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Principal Balance {$32000.00} {$32000.00} {$32000.00} {$32000.00} {$32000.00} Payment Amount {$32000.00} ( {$680.00} ) ( {$680.00} ) ( {$680.00} ) ( {$680.00} ) Principal Adjustment {$32000.00} {$0.00} ( {$270.00} ) ( {$150.00} ) ( {$360.00} ) Interest Adjustment {$0.00} ( {$680.00} ) ( {$410.00} ) ( {$520.00} ) ( {$320.00} ) Interest Balance {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} Interest Calculated {$0.00} {$680.00} {$410.00} {$520.00} {$320.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
Company: Diversified Consultants, Inc.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/X/2017 at XXXX CST I received a call from XXXX by someone identifying themselves as " XXXX XXXX '' from " Diversified Consultants ''. He stated that I owed ~ {$450.00} for a delinquent XXXX XXXX bill. I immediately hung up, as I am on auto-pay with my XXXX account and checked while on the call that my balance was {$0.00}. I hung up to call XXXX to validate that they initiated the collection activity, which they denied and stated my account has never been in arrears. 
I called XXXX back and talked to them again. While attempting to verify the account they gave an address that I have never lived at. Apparently they were calling all the " XXXX XXXX '' s in Minnesota trying to find the right one. Either this is fraudulent activity or a highly suspect methodology for attempting to collect a debt. 
I would appreciate the company in question being warned against blanket calling like this. If I receive another call from them I will take legal action, as I 'm sure they are attempting to add someone else 's delinquent bill to my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-13
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:
I have attached a copy of my identity theft report, I was inquiring in regards to purchasing a home in XX/XX/2018 and reviewed my credit to file accounts that were not for me, inquires and a address that did not belong to me. I had a fraud alert placed on the credit report, but the accounts have not been removed within the 5 business days, as stated in the FCRA terms. As set forth by the Federal governing body. This has harmed my ability to complete the purchase of my home and has cause major stress and a financial hardship for me. Due to the fact that it, effects my ability to get approved for a home loan, the payment and interest rate, in addition to the fact the the current market is on a upswing and the purchase price of homes are increasing and my ability to purchase a home and gain increased value from a equity position.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-14
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I order XXXX internet. They installed internet and a phone line. I told them I don't need a phone line and never ordered one. They said they will removed the phone service which they did but a year later I got collection bill from XXXX XXXX XXXX XXXX stating I owe XXXX. I contacted XXXX   about it and was promised they will notify XXXX XXXX XXXX XXXX to stop notification. Notification of collection did stop but it still show up on my credit. every time I called the promise it will be removed but it's still there affecting my credit score. 2 other collection agency have this same XXXX bill on my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a Macys credit card, purchased an item online, returned item in store. Refund was never made and account was reported as delinquent. Contacted Macys for refund, which was done but reporting on my credit was never removed

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 2018-02-18
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
My car was stolen on XX/XX/XXXX. The police recovered it on XX/XX/XXXX and my primary insurance company, XXXX XXXX XXXX, deemed it a total loss. I also have GAP insurance thru a subsidiary of XXXX XXXX. The loan is thru XXXX XXXX. I contacted XXXX XXXX customer service, who transferred me around 5 times, having to repeat the same story to 5 different people. They finally transferred me to a department that was now in charge of my account. During this time period, I did not receive any information from XXXX XXXX, they did not contact me by phone to inform me in writing regarding any information on my account. On XX/XX/XXXX I made a payment of {$440.00}, which is my car payment. XXXX had assessed me a late charge but WAIVED the late charge on XX/XX/XXXX. XXXX then received and credited a payment from my insurance company, XXXX XXXX XXXX, in the amount of {$14000.00} on XX/XX/2018. Further, XXXX received and credited to my account a payment from my GAP insurance company of {$1100.00} on XX/XX/2018. XXXX REFUSES to acknowledge those payments on my behalf, from my insurance companies, and that THEY credited to MY account as payments on my account and has DESTROYED my credit score by  reporting me as late/delinquent. They have done this because as one of their customer service representatives explained to me, payments from MY insurance company on MY behalf don't count as payments. REALLY??? They have received payments and credited payments on my loan, from my insurance companies, on my behalf, yet they can just erroneously ruin my credit because they have some INTERNAL POLICY that WILL ACCEPT the money but WON'T accept payments on my loan on my behalf. I am not seeking any type of financial compensation, although I do believe they should also WAIVE the 2nd late charge, they have assessed me of {$22.00} on XX/XX/XXXX, AFTER receiving PAYMENT from my insurance company. I am seeking relief from XXXX XXXX 's internal policies that PENALIZE CUSTOMERS for NO good reason and to REMOVE the DEROGATORY credit information that they placed onto my credit reports, which is now on my report for 7 years! The Credit Bureau 's won't do anything, they take the side of the Creditors. Frankly it is amazing, I am the victim of a crime with my car being stolen and now I am the victim of Corporate Arrogance from XXXX XXXX, who is destroying my credit for 7 years! Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-08
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX XXXX Inquiry : XX/XX/2020, XXXX XXXX Inquiry :XX/XX/2020, FIFTH THIRD BANK Inquiry : XX/XX/2020. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
FRCA 611 Violation I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating.

XXXX XXXX Account Number : 4965** The account is incorrectly reported - Account Number on Experian credit report does not match account number from XXXX Please completely remove this inaccurate trade line from my credit report per my rights under the FCRA XXXX Section 611 Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

Please provide : The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

The date you contacted the individual funishers of information.

The method of communication you used to verify the information I would also like to know if the furnisher provided you with my SSN, address or DOB. 

Please forward an updated credit report to me after you have completed your investigation and corrections. 

Your cooperation and prompt attention are required by 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 2017-12-04
Company: Creditrepair.com, Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I signed up with creditrepair.com to repair my credit. On XX/XX/XXXX, I cancelled the service, but 2 days later, was charged a further {$99.00} despite my cancellation. 

The reason I cancelled the service was because I was not being made aware of any work actually being done, despite numerous requests. In total I paid {$300.00}. After cancelling I have repeatedly asked creditrepair.com in writing and over the phone, for a list of items they removed from my account but they have refused to provide it. I have requested a copy of my file and they have refused to provide that too. 

What they have offered to provide is a copy of my old report and current report - with the insinuation that the difference is down to them - however that would be inaccurate as I have since hired a different credit repair agency who may have made any said changes. 

I believe Creditrepair.com charged me {$300.00} and did not make any deletions to my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-04
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I've sent request to have information validated and I have not heard anything.

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 2021-02-08
Company: Eastern Account Systems of Connecticut, 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:
Easter Accounts Services are reporting a fraudulent account on my credit. I dont know what this account is as i never received services with this company. I am not responsible for the {$80.00} as the service werent incurred by be. Please remove this account from my credit. Please see the attached Federal Trade Commission report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I paid off the entire balance of my credit card on XX/XX/2018. On XX/XX/18, I was charged {$11.00}. 

When I attempted to dispute this charge online, their system did not allow this because the link that they stated to click was not there. We are now trying to get them to credit us this amount, by phone. What is misleading and irritating is that they make consumers think that there is an easy means to dispute a claim, but in actuality, there is not. 


CloseDispute a purchase? 
Click the plus icon next to the purchase you need to dispute. 
Then click the File a Dispute link. -- NO LINK

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I had a man, XXXX XXXX XXXX, living in my home for approximately 9 months beginning in XXXX and ending in XXXX of 2018. He had access to all my personal information including my drivers license, brith certificate, social security number, my two sons social security numbers, and my grandsons social security number, and all my banking information including accounts and debit cards. Prior to leaving my home he put my name on a business account that he had with Bank of America and handed me a debit card listing me as his employee and I refused to accept this card. I never signed any documents with Bank of America. I live in XXXX Texas and I am a XXXX and XXXX XXXX/XXXX and I receive a large sum of royalty payments from XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, and XXXX which are all companies in the oil and gas industry. Recently I stopped receiving checks from them and I was concerned that he could possibly have the royalties deposited into his account that he put my name on. Today I called Bank of America but I was unable to obtain information from them. The reason that Bank of America gave me was because they would ha e to speak with the account holder. This man has a history of serious XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, and XXXX XXXX. He also has stolen my laptop and he had my cell phone tapped. This man is planning on doing something very bad and I want to prevent that. I have closed all my bank accounts and opened new ones, changed most of my passwords, monitored my credit regularly, called all the companies that I receive royalties from, and even notified my post office.

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 2018-03-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
A credit was issued to my XXXX checking account ending in XXXX in the amount of XXXX from XXXX XXXX on or around XX/XX/XXXX, the account is currently restricted from any withdrawals. I received a message from BBB ( Better Business Bureau ) in  regard to complaint filed against XXXX XXXX, the company that distributes XXXX XXXX merchandise. The merchant said they issued credit, this is as of yesterday. It has not posted as of today, XX/XX/XXXX, however, I will need a check this amount once it does. I've left messages for a XXXX XXXX at Capital One, she does not seem to return calls, two messages were left thus far and not one returned. Several items are in dispute currently including the item from XXXX XXXX, as well as others. I am currently working with merchants to resolve directly, I will need a check for any and all credits issued to account from companies in dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/2018 my PNC account XXXX was overdrawn by {$.00} ( XXXX XXXX cents ). I was subsequently charged {$280.00} in overdraft fees despite depositing {$600.00} on XX/XX/18. Among other things I was charged an overdraft fee of {$36.00} for a {$14.00} fee charged by the bank itself. 
I tried to e-mail the head of the bank but since their is no e-mail address on PNC 's website, there is way to address my complaints about this matter.

Company response to consumer: Closed with monetary relief