BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-28
Company: Netspend Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XX/XX/XXXX I opened mail received from Netspend Corporation ( All-Access by XXXX ) that I never heard of or had prior business with. Inside was an actual Debit card from their corp. and it included deposit/debit/credit policies asking me to activate their CARD. There is NO live body to speak to in order to obtain information, cancel all contact, and/or ensure they will not attempt to contact me again. Nobody answers phone no. provided. The ph. no. is only a recorded message asking a person to input CARD NUMBER! I will NOT! I don't know who these people are! Total SCAM Possible! duh!!! This Organization, Corporation, whatever they actually are should not be allowed to do this. If they wish to " market, advertise, solicit '' people they should do so with complete and honest TRANSPARENCY. I called the number provided and could not leave a message. The PHONE RECORDING only asked CALLER to provided the CARD NUMBER if they wish to Opt Out?!!! No way! Then they have my card, name, addr, phone, etc. and I do NOT know WHO They Are! The mailer correspondence provided a email address but again in order to cancel they ( whoever THEY are?? ) want the card number that also includes MY NAME!!! Absolutely NOT! This should be an illegal act if it isn't already. This is NOT Safe! I do not want this or any relationship with this company and now you couldn't pay me to associate with them. I'm passing this info around social media so I  do hope someone at YOUR Firm takes corrective action immediately.

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 2022-10-05
Company: AVANTE
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:
I'm XXXX XXXX, and I need your help getting in touch with this company. To find out who had created an account in my name and why, I made an effort to get in touch with them. I regret that my credit score is now being affected by this serious problem. Since it also breaches data privacy, I don't let anybody to use my name, birthday, or any other information. Instead of me, they need to find the person who established the account in my name and provide them the information. Please help me in fixing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD
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:
The eviction was dismissed The amount owed is incorrect

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 2018-07-09
Company: PNC Bank N.A.
State: GA
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:
Dear CFPB, These two mortgage companies reported false information on my credit reports.

PNC MORTGAGE and XXXX XXXX XXXX.

I have NEVER done business with them. 
I NEVER applied for a mortgage with them I have NEVER signed any documents with them. 
I DO NOT OWE THEM them any money. 
During the past year, I have sent a total of 6 letters to each of these two creditors and also 6 letters to all 3 credit bureaus asking them to review and delete the false reportings. And only XXXX removed PNC MORTGAGE from my report but not XXXX XXXX XXXX. 

At this time I am very upset and seeking legal action and support from your organization as these false reportings are causing me a world of troubles.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: FC HoldCo LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am not familiar with this account. I have contacted FLAGSHIP CREDIT concerning this account my letter was delivered on XX/XX/XXXX the tracking number is XXXX XXXX XXXX XXXX XXXX. XXXX XXXX has not responded to my letters, they have not sent a contract, statements or any documentation concerning this account.

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 2021-01-21
Company: EQUIFAX, INC.
State: NY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am being trying endlessly to reach Equifax credit report company When trying logging there is always A problem When I do log in it will stop working Or freeze Then i find it impossible to reach Them over the phone as the answering System would not direct you to a customer service representative Other credit repotting was easy to reach And dispute a problem or a case Since the pandemic started my credit got Destroyed by agencies not responding In order to update and solve a problem From a perfect credit to fair credit co-signed cars where the reporting agency Would not give a fair warning to try fix the problem As of lack of good credit I had to apply for Other credit venues which end up taking my credit even lower while paid all And the favor always goes to who Ever sends a late or unpaid bill Which could have been resolved in an instant with a worming! 
All started in XX/XX/2020 till today!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Company: ERC
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/XXXX I received a letter in the mail and in that letter was another letter which was from ERC. ERC had sent the letter to an address in XXXX XXXX Iowa and that occupant had opened my mail. I have never lived in XXXX XXXX. I've lived in XXXX all my life. I know they have my correct address because they have mailed a letter before and I disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: Penn Credit Corporation
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:
I'm XXXX XXXX, and I need your help getting in touch with this company. To find out who had created an account in my name and why, I made an effort to get in touch with them. I regret that my credit score is now being affected by this serious problem. Since it also breaches data privacy, I don't let anybody to use my name, birthday, or any other information. Instead of me, they need to find the person who established the account in my name and provide them the information. Please help me in fixing this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Company: SYNCHRONY FINANCIAL
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/XXXX I received a letter in the mail and in that letter was another letter which was from XXXX. XXXX had sent the letter to an address in XXXX XXXX Iowa and that occupant had opened my mail. I have never lived in XXXX XXXX. I've lived in XXXX all my life. I know they have my correct address because they have mailed a letter before and I disputed.

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 2020-05-13
Company: CreditNinja Lending, LLC
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
On Friday XX/XX/XXXX I was notified by my bank, XXXX XXXX, that my account had been compromised by an overseas individual or individuals. XXXX XXXX, thankfully, put a hard restriction on withdrawals from my account. I immediately notified Credit Ninja  and spoke to a representative. They informed me that they would not know if the restriction kicked their auto draft payment out. This morning, XX/XX/XXXX I received an email that the payment in fact did not get made. ( I left enough in the account to cover any unprocessed payments ). I immediately used the link provided by Credit Ninja  in their email to pay the amount due, plus fees accessed. I was then pressed for my debit card information for this week 's XX/XX/XXXX payment, so I used the link to pay the amount due on XX/XX/XXXX. I'm then pressed more to give them my debit card information, to which I declined, stating that I will make my payment on XX/XX/XXXX ( I paid XXXX and XX/XX/XXXX ) online as I did this morning. They are now claiming that the second payment I made today went towards principle since it wasn't done on XX/XX/XXXX and I'll have to make an additional payment on XX/XX/XXXX. I provided back to them their email stating that they had received both payments and that my next due date was XX/XX/XXXX. 

I've already had my bank account compromised. I've already paid with fees the payment XXXX even though I'm a victim of fraud and paid my next payment so I can get my XXXX account re-established ( less the fraudulent access from overseas ) and they are threatening me with collections. This is unacceptable and abusive to say the least.

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 2020-08-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I was checking on my business account and fought that Bank of America took my money and closed the account without notifying me.I called Bank of America no one could give me any answer everyone was hanging the phone up in my face. Also last year Bank of America close my father account in which he was having the house note come out the account automatically and they close the account which then send the house into foreclosure. We had to get legal aid to us to fight to keep them from selling the house for peanuts my parents are in there early XXXX, Bank of America try to take the house from my parents which they been living in since 1965. This Bank is notorious maybe because we are XXXX

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 monetary relief
Consumer complaint received 2019-09-27
Company: STERLING BANCORP
State: NJ
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I opened a new 12-month CD account with XXXX ( Sterling National Bank ) and funded the account on XX/XX/2019. 

They emailed me saying the funds would be in my account latest by XX/XX/2019. 

I called them this morning, and on the phone they told me it takes 3-5 business days to fund the account. However, the funds ( {$25000.00} ) are missing and XXXX is unable to trace them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: Experian Information Solutions Inc.
State: OH
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 is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there are several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. XXXX XXXX {$620.00} DPT EDXXXX XXXX {$3700.00} DP OF EDUC XXXX {$2600.00}

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 2022-10-05
Company: AFNI 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:
I'm XXXX XXXX, and I need your help getting in touch with this company. To find out who had created an account in my name and why, I made an effort to get in touch with them. I regret that my credit score is now being affected by this serious problem. Since it also breaches data privacy, I don't let anybody to use my name, birthday, or any other information. Instead of me, they need to find the person who established the account in my name and provide them the information. Please help me in fixing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04
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: Account status incorrect

Complaint:
XXXX is showing deformatory information that is causing me harm, in fact the account from XXXX XXXX XXXX XXXX  has been PAID TWICE AND SHOULD NOT BE ON MY XXXX XXXX   REPORT BECAUSE I HAVE EXPERIENCED BAD OUTCOMES FROM THIS, THE MISLEADING INFORMATION NEEDS TO BE REMOVED IMMEDIATLY BECAUSE IT DOES SHOW PAID 100 PERCENT BY INDIVIDUAL AND ALSO I SENT IN PAYMENT A FEW WEEKS AGO AND THEY ACCEPTED MY PAYMENT BECAUSE THEY DID NOT SEND IT BACK TO ME, THEY KEPT IT, SO XXXX NEEDS TO SEE MY TANGIBLE EVIDENCE AND REMOVE THE FRAUDULENT INFORMATION AT ONCE BECAUSE IT IS NOT VALID

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: Experian Information Solutions Inc.
State: PA
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX OF XXXX Date of Inquiry XX/XX/2021

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 2017-08-03
Company: CONDOR CAPITAL CORP
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: Account status incorrect

Complaint:
On XXXX XXXX, 2017 XXXX XXXX XXXX received a letter of validation from me. They responded on XXXX, 2017 with a letter and a contract that was allegedly signed by me. The thing is that company 's name is nowhere on the contract. I have never signed anything for XXXX  XXXX XXXX. After all of that, earlier this year they repossessed my car after I made arrangements with them and paid money. I tried to get my money back but they lied to the bank and so I had to suffer the consequences. They practically stole XXXX from me, and then they lied about it.

Company response to consumer: Untimely response
Consumer complaint received 2020-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there are several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. XXXX XXXX {$620.00} DPT EDXXXX XXXX {$3700.00} DP OF EDUC XXXX {$2600.00}

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 2018-02-08
Company: Conn's, Inc.
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Conn 's INC mailed me advertisement stating I am preapproved, also an advertisement for 10 % off which I never received and no interest for 12 months which again I didn't receive. 

Reporting to the Credit reporting agencies that I owe {$1700.00} instead of the amount financed {$1200.00}. 
Sold me a refurbished XXXX XXXX XXXX Stove as new. purchased items on XX/XX/XXXX were delivered on XX/XX/XXXX. 

XXXX XXXX hasn't worked right from the start, the left front burner light doesn't come on the hot surface light goes off before it cools down causing me to burn my hand and thumb. 

Oven set at 400 will only heat to 350. Forced place a 2-year {$120.00} Warranty which is really only a 1-year warranty since the stove supposed to have a 1-year factory warranty. claimed we had to have to warranty since it is financed. 

also, force-placed insurance since it's financed, even since I had declaration page from homeowners insurance. 
Charged me {$3.00} removal of white goods, I sold this before they delivered. 

They are in violation of the ( UDTPA ) ( FCRA ) Breach of Contract, and violation of the truth in the lending act because they didn't provide me a copy of the Credit installment agreement at the time of purchase only a copy of the invoice. 

I ask for either a full refund of the XXXX Stove or replacement with a new one within 30 days. I also filed a complaint with the NC ATG within 30 days and after they send the complaint three times to Conns they still haven't responded.

Conn 's was sued by the Texas ATG for the same issues and settled that case for {$4.00} XXXX. But they continue doing the same violations in other states including NC. Consumer Affairs has received over 1100 complaints about the same problems including people from NC. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: EQUIFAX, INC.
State: ME
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:
There is a medical collection showing on my Equifax credit report that should have been deleted MONTHS ago. This collection is from XXXX  XXXX  in XXXX, ME and the medical practice it is from is XXXX  XXXX XXXX, who agreed to DELETE this collection several months ago and requested XXXX XXXX to send a DELETION REQUEST to Equifax, but it is STILL showing on my report a good XXXX months later. If this is not IMMEDIATELY deleted from my credit report, I WILL be taking legal action against Equifax AND XXXX  XXXX  and will be seeking monetary damages for FALSE CREDIT REPORTING. I have uploaded an image of the collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: General Motors Financial Company, Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
On Wednesday XX/XX/XXXX I was notified by my credit monitoring service that there was a change to my credit report. When I looked the message read, " you have one new 30 day late payment ''. I was puzzled because I work very hard to maintain a high score and payment history. After looking deeper into the report I noticed that GM FINANCIAL is the company reporting the late payment on the lease that I traded in to XXXX XXXX on XX/XX/XXXX. I have made every single payment on time and sometimes early. I called in to speak to GM FINANCIAL customer service on XX/XX/XXXX & XXXX  to clear up this matter. I was told that there was a letter sent to my home but I never received a letter. When I spoke to the rep.I was met with hostility and sarcasm on the XXXX. On the XX/XX/XXXX I called back to see if someone else can help, I spoke to the rep named XXXX and then to a supervisor named XXXX # XXXX and I was stonewalled by them both. They told me and I quote " we called and received no answer and we didn't leave a message, but on the XXXX someone picked up and hung up the phone '' They called my wife 's phone but never called my phone and I am the primary contact information. They admitted to me that they only called her phone on that day. That sounds like predatory, unfair practices on there part. If the loan is under my name and they don't call me that is not fair and again, I did not receive a letter from them. If they wanted me to receive such an important letter why wouldn't they send it certified mail. I am disappointed and frustrated with the entire situation and am requesting your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08
Company: ENCORE CAPITAL GROUP INC.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was told my credit card account was sold to XXXX XXXX XXXX. I called them at XXXX. After speaking with XXXX XXXX, XXXX XXXX, and supervisor XXXX XXXX. I was told I was being represented by an attorney, which I am not, nor have I ever been. I attempted to set up payment arraignments, but was refused. Due to the three representatives refusing payment do I consider the debt forgiven? If there is monies owed why would they refuse settlement or payment?

Company response to consumer: Closed with explanation