BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I reached out to Portfolio Recovery Association, LLC. 
XXXX XXXX XXXX. 
XXXX, VA XXXX Re : XXXXXXXX XXXX {$480.00}, {$710.00}, {$490.00} I sent a letter to this company and all three credit bureaus disputing the debt in XXXX. Portfolio Services responded with only one bill showing incorrect name and incorrect address. One the credit report it is showing incorrect address, incorrect name, an incorrect date of last activity on all three bureaus are different. When asking for the credit bureaus to revalidate the debt to verify what company was reporting the incorrect information Portfolio Recovery Association, LLC. however, I have never signed a contract with this company. They can not verify the debt belongs to me. They can not verify a contract. This company could not show proof of the debt. This company violates the Fair Credit Reporting agency. They did not verify their proof of trying to contact me to validate the date, they did not report telephone calls for collecting the data, they did not validate they are approved by XXXX XXXX law to provide collection services in XXXX. Furthermore, the date of the debt showing on my credit report dates back to XXXX as date of last activity on my credit report. However, on XXXX, the date of the last activity shows XXXX and finally XXXX. 

The Federal law of Consumer Fair Credit Reporting states " all Credit Bureaus must report accurate information. Collection Agency in the State of XXXX has to show proof they can collect in the state of XXXX. Prior to placing any debt on your credit report, they must show due diligence proof that they made attempts to collect, verify and notify the debtor of the actual debt. I have never heard from this collection agency. When trying to get them to validate that this debt in fact belongs to me they did not send any contractual proof where I authorized their company or any other company to have access to my personal information. 

I also placed a security freeze on XXXX XXXX, XXXX, XXXX XXXX, and XXXX as well as requesting all companies send me an accurate and up to date credit report so I can dispute inaccurate information. I have not received any information from XXXX. All other agencies have verifiable credit freezes. I am in preparation to take these companies to State Court and Federal Court if necessary to ensure as an XXXX American Female my rights are enforced and upheld by the courts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of XXXX XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXXXXXX XXXXate XXXX inquiry XX/XX/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 non-monetary relief
Consumer complaint received 2019-07-08
Company: COAST PROFESSIONAL INC
State: NJ
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I contacted Coast Professional ( as indicated on my Student Loan Account ) in attempts to start repayment on my student loans. Of course I had so many questions and it seems the rep was frustrated. They wanted me to send them a photo of a note pad, that I'd taken with my phone, authorizing them to charge my account every month but when I included the dollar amount, they wanted me to delete that " detail ''. They'd asked me to send it stating that they could just withdraw the money each month. So basically I am writing a letter, telling them they can post date a payment ( with no set dollar amount ) AND they wouldn't send me anything in writing. 

I have read the reviews online and they aren't good. When I told him I wasn't sending him letter indicating that they could charge my account nor giving them my bank info the phone magically hung up.

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 2018-10-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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:
In XX/XX/XXXX I received an offer from MasterCard that seemed to offer me a cash loan with no interest if paid back before XX/XX/XXXX. 
I took this offer up to my local Bank of America office in XXXX ( XXXX XXXX XXXX XXXX ) to see if they understood the offer the same as I did. I spoke to a girl named XXXX : After reading the letter/offer she stated that YES it was an offer with no interest if paid before XX/XX/XXXX and there was no fees and that I could write the blank check they sent me for {$10000.00} and I as long as I paid it back before XX/XX/XXXX there would be interest charged. 

I did this on XX/XX/XXXXand deposited it into my personal checking account. 

Problem : I received my bill from MasterCard on XX/XX/XXXX and they had charged me a {$400.00} transaction fee for the {$10000.00} check plus the statement said that my charges for the period plus the {$10000.00} was due by XX/XX/XXXX. 

Today ( XX/XX/XXXX ) I went back to the bank to question this. XXXX called MasterCard or somebody - maybe her B of A contact - and after over an hour on the phone with a lot of what I called " double talk '' someone named XXXX said he would waive the {$400.00} fee if I paid back the {$10000.00} loan right away. When XXXX called back to see if that meant by the XX/XX/XXXX due date they would not verify the {$400.00} waiver. 

I feel this original offer was very confusing and - after our phone call today - intentionally deceptive! 

I seek all remedies available including any punitive damages due for being subjected to false and deceptive advertising.

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 2021-08-16
Company: Experian Information Solutions Inc.
State: NJ
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 am filing this complaint because the company XXXX loan servicing has been falsely reporting on my credit report. We entered into a modification agreement a year ago. Since then XXXX has continued to report that we are 120+ days behind on our mortgage. I also, started preparing for a loan under my company that I own. When my financial consultant noticed XXXX flagged my credit report for deed in lieu. Which is basically stating we lost our home or was about to under foreclosure. This never happened. We worked out the modification and have never missed a payment since. I have contacted the company to have the remove this information. XXXX did the research and said in a letter they did not do this and if I had evidence supporting my claim ; to forward it to them. I did so through certified letter. I reached out after 35 days later after no response. XXXX customer service people advised they did not see anything in the system receiving it or correspondence further than the original denial letter regarding the Deed in lieu false reporting. This is hurting my personal credit and hurting my business from moving forward. I would just like to have this corrected immediately. This just appears that they are attempting to keep customers held to them because my destroying their credit they can no longer go any where else. 
I have tried to fix this issue with experian credit reporting. However, XXXX says they did nothing wrong and experian goes along with them. Denying my claim and failing to fix the issue.

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 2019-07-08
Company: General Motors Financial Company, Inc.
State: SC
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have returned the leased vehicle in the month of XXXX and attempted to pay dues and any other dues I am responsible. I was told by the dealer that GM finance will contact me but I never get contacted by GM or did not received any final statement to pay my dues. 

I even called three weeks back and requested to send the statement and it was not sent. when I realized that I did not received the statement, about a week back, I requested the GM Finance to post it online in my online account with them or send email to the email addressed that was linked to my online account or text me the dues. But GM Finance told me that they only mail it to my physical address or fax it to me. 

I was advised to wait couple more days. I called again to tell GM Finance that I did not received the statement, they told me that they initiated another request but I requested to connect me to a supervisor but I was told that the supervisor was not available. I requested a call back form the supervisor to explain the situation. But I did not get any call back. 

My intention was clear that I wanted to pay my dues as soon as I see an official statement and working with GM Finance for the last 4 weeks but they reported to Credit Bureau that my payment was late which I think is unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: STERLING JEWELERS, 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:
How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I applied for an XXXX account last week. I was denied so I wanted to know why I was denied. I called XXXX XXXX customer service to try and get some sort of explanation on why I was denied but they didn't tell me much. So I went home and checked my credit report. After doing so I see a couple items on my report that are not mine. I have also reached out to the FTC and my local police department and I am doing this on my own behalf. 
There are still items on my credit report that are not mine and need to be deleted from my report. XXXX, XXXX XXXX XXXX, XXXX. XXXX, XXXX XXXX. XXXX 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 explanation
Consumer complaint received 2019-07-09
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
To whom it may concern : Borrowers Name : XXXX and XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, GA XXXX Our SS # is NOT on file with Ditech per customer service Loan account number w/Ditech : XXXX Concern : HOW CAN WE HAVE A WRITTEN OFF FRAUDULENT LOAN REMOVE that is NOT on any credit report. AND REMOVE A LENDER WHO IS OUT OF BUSINESS FROM OUR DEED AT THE COURTHOUSE. 

Summary : XXXX XXXX was the original 2nd lender on our mortgage 15  yrs ago. ( 80/20 ) Then the debt has been sold several times and then Ditech bought out the last company. The loan was written off in XXXX but Ditech keep sending collection notification and calling trying to collect on $ XXXX so call debt. This debt which was a 2nd loan used to close my home mortgage. We hired an Audit firm to review our original loan documents and there were several discrepancies that were found when our loan was processed/closed. Based on the violations we had the right not to continue to pay the monthly payments on the 1st and 2nd mortgage. The 1st Mortgage servicing company modified our loan due to these discrepancies. Each time when it was sold, we informed the agency who bought the debt as to why we are not paying for a loan that is in violation. So now Ditech is stating they have a make shift lien on my house because since they owned the debt paper. But the deed at the courthouse has the original lender XXXX XXXX on it ( Which no longer exist ). I ask Ditech why don't they put their name on the deed since they owned the debt ( a XXXX from collections ) said that is not good business since?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: PNC Bank N.A.
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I was charged a {$35.00} overdraft fee on XX/XX/2019 for an apparent overdrawn account on XX/XX/2019. However, my account never went into the negative on that date and remains in the positive today ( XX/XX/2019 ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-18
Company: NAVY FEDERAL CREDIT UNION
State: OK
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:
I've filed a dispute with XXXX XXXX credit card company where I have been XXXX  in the XXXX XXXX XXXX XXXXXXXX since XX/XX/XXXX serving a XXXX XXXX XXXX  in the XXXX XXXX  XXXX XXXX. Where I am housed at the XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, OK XXXX and my XXXX  number is XXXX. I looked on my credit report, I seen a account from XXXX XXXX  that I had not opened nor giving anyone permission to use my name to do so. I've sent this company a copy of my consolidated record card which shows my start date, how long I've been in prison, with a copy of my XXXX  XXXX  Identification with my Social security card. which could've all been verified by the XXXX XXXX XXXX had this company did a proper investigation into this matter. Where they never responded to my dispute letter mailed back in XX/XX/XXXX. First of all for these reasons if I have been XXXX  for the past XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX at the same address of XXXX XXXX XXXX XXXX XXXX XXXX for the past 10 years where no credit card was ever mailed to this facility would shows that someone is using my personal information, was the whole reason I'm complaining about this account. Where I was a victim of identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-08
Company: CITIBANK, N.A.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a letter from XXXX XXXX XXXX law firm out of XXXX, GA stating I owed a debt of {$3200.00} for a Best Buy VISA card ( Citibank NA ). Account ending in XXXX. XXXX XXXX  # XXXX. I attempted to call the law firm on XX/XX/XXXX ( left VM - no return call ), and XXXX multiple times. I was told on XXXX that a Mr XXXX was my case manager and forwarded twice to his voicemail which dropped me back at basic recorded message. I could not leave a message. I then ran my credit report and found out more information. The card was supposedly opened on XX/XX/2018. I called Best Buy/Citibank and they said I would have to deal with the law firm. They provided an additional number and I left a voicemail. This is not my debt.

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 2021-08-16
Company: TrueAccord Corp.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
True accord has an employee by the name of XXXX XXXX he is sending me emails for debt at XXXX XXXX  at night.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18
Company: EQUIFAX, 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 information incorrect

Complaint:
see attached file, the credit bureaus are reporting this account inaccurately and they are violating the FCRA CARES ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I called and spoke with a customer service agent there at XXXX explaining that my identity has been stolen and some has gotten a car and a ton of inquires using my identification information. I have not received anything from this company nor applied for anything from them. I have no idea who has used my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25
Company: Knight Adjustment Bureau
State: UT
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I purchased a vehicle with my husband in XX/XX/2012 from XXXX XXXX XXXX/XXXX XXXX. At the time it was purchased it spent 2 of the 3 months in their shop due to issues with it. When I finally had enough I was told to surrender the car and that I would not be responsible for the remainder of the debt. I begin driving to the location to surrender the vehicle and the transmission went out. I told them such. they sent a tow truck who I lead to the car and surrender it to them. I heard nothing else. XXXX XXXX XXXX has gone out of business and the owner has reopened under a new name. I heard nothing further regarding the vehicle per our agreement until this time when the owner changed his name and presumably sent a bunch of old debts to collection. Suddenly I have Knight adjustment Bureau sitting on my credit report for a car that was # 1 a lemon, and # 2 the contract was fulfilled on. I have reached out to them via their website, their phone number, the XXXX, and disputed with every credit bureau to this I have received no response. I would just like it removed from my credit report as it is not a valid debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08
Company: WELLS FARGO & COMPANY
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
We have spoke to Wells Fargo mutiple time to put the transaction in disoute as it is a fraudulent charge. We spoke to a Rep on XX/XX/2019 names XXXX He attempted to help us but was disconnected. We asked for a supervior on XXXX  XXXX and one was not avilable my call was taken by agent XXXX and we where promised a call back and never recieved one. XX/XX/XXXX the bank states they called and left a voicemail regarding the sisuation but we do not have a voicemail ... Thus far we have not been able to get the charges in dispute. The charges where put on account on XXXX.. I have been getting collection calls regarding payment for this charge which is not mine ... I can not keep calling in getting empty promises. I have a Zero Libility on Fruad charges on this XXXX ... I expect to use the full extent of that

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