BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-26
Company: Universal Recovery Corporation
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I recently signed up for a tanning package with a local company. I payed XXXX + some additional free for there basic membership, allowing access to the most basic tanning beds. The benefit to the membership is that the cost to use the top of the line tanning beds is greatly reduced for members. I bought single upgrade to the top tier tanning bed totaling XXXX $ cash. While paying the employee informed me of a {$90.00} package that included 6 tans. Being the sucker that I am I agreed that I would benefit for saving money buying the tans in bulk vs each time I visited. The employee recommended I tan for the full 10 minutes in the bed for my first session, and since I wanted to expedite the process of tan skin I agreed. The end result was 3 weeks of XXXX XXXX, 1 week of XXXX XXXX, and 1 visit to the ER funded by myself.

Dissatisfied with the business, I decided to dispute the charge for the remaining 6 tans that I hadn't used. I called the company myself without the guidance of the bank and they refused to refund the money, and insisted that I could come back and use the remaining 6 credits anytime. I informed them that after visiting the ER and suffering for 3 weeks I wouldn't be tanning again, but they stuck to there guns. A few days later I contacted XXXX XXXX XXXX XXXX card customer service about disputing this charge. They proceeded to 3 way call the company with me on the line. We discussed out the details of the dispute to the tanning company tele rep, and she informed me/XXXX rep that the appropriate person would be in contact with XXXX if needed later that afternoon. 
Time carried on and XXXX never heard back from the tanning company regarding the dispute and I was refunded the money for the 6 tans. Approximately a month later I received a letter from the tanning company claiming they were sending the total of {$90.00} to collections along with a {$25.00} charge. I immediately called the tanning company and asked what was going on, they informed me that there is nothing they could do, and that the debt had be acquired by a collection agency. I then proceed to call XXXX and inform them of the situation, learning there is little they can do for this type of situation. The debt collector actually made initial contact the very same day I received the letter and called the tanning company. Seems like they were out for revenge regarding the dispute I was awarded. 
I informed the creditor of the dispute being settled and even offered to send the documents from XXXX showing this process. The creditor had no interest in the documents, and told me the debt would need to be settled regardless. This doesn't seem fair, what is my next step in this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: EQUIFAX, INC.
State: OK
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:
You are in violation of the law, and putting me at risk. You should not have this on my report due to items/the information does not include nor does it provide complete details on me, the consumer, which would put me in further at risk of identity theft. In order to be on my credit report, it should provide all of the following : name, address, social security number and/or date of birth. They do not. Beginning in XX/XX/2017, Equifax, XXXX and XXXX will no longer include records of tax liens if there are not at least three identifiers : name, address and either social security number or date of birth. My tax liens do not include all three or four identifiers, Therefore the state tax liens should be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29
Company: Avant Credit Corporation
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
On XX/XX/XXXX, I received the enclosed letter ( dated XX/XX/XXXX ) from XXXX, XXXX, requesting payment of {$350.00} which they stated is past due. I dispute this debt. 

In XX/XX/XXXX, the debt was paid as follows : Date of Check Check # Amount Date Posted by AVANT XX/XX/XXXX Check # XXXX {$6800.00} Posted by AVANT : XX/XX/XXXX XX/XX/XXXX Check # XXXX {$6800.00} Posted by AVANT : XX/XX/XXXX XX/XX/XXXX Check # XXXX {$130.00} Posted by AVANT : XX/XX/XXXX TOTAL PAID : {$13000.00} I received an email dated XX/XX/XXXX which stated my payoff amount on XX/XX/XXXX would be {$13000.00}. As shown above, I paid the loan BEFORE the deadline, and they then emailed on XX/XX/XXXX, advising that I owed an additional {$130.00} by XX/XX/XXXX. The final payment was received by Avant on XX/XX/XXXX. 

On XX/XX/XXXX, I received an email and advising that I owed {$610.00} by XX/XX/XXXX. I telephoned AVANT and was told this was an automated email and not to worry about it, since the loan had been paid in full. ( Confirmation in attachments ) On XX/XX/XXXX, I received another email advising that I owed a payment of {$610.00} by XX/XX/XXXX. Because this email was identical to the automated email of XX/XX/XXXX, and I knew my loan had been paid in full ( see three checks above ). I did not respond to this notification. 

On XX/XX/XXXX, EIGHTEEN MONTHS after the last email I received, Avant emailed me that my payment of {$6.00} is due on XX/XX/XXXX. Because this email was almost identical to the automated emails of XX/XX/XXXX and XX/XX/XXXX, I, again took no action. At no time after XX/XX/XXXX, did AVANT notify me in writing that my final payment of {$130.00} did not get my loan paid in full. The email of XX/XX/XXXX says {$6.00} is due. Where did that number come from? 

More importantly, how did {$6.00} suddenly become {$350.00} between XX/XX/XXXX and XX/XX/XXXX, the date on the enclosed letter? 

Furthermore, I have received 19 more automated emails all of which have different amounts saying payments are due. I have replied to their emails, called them, sent certified letters and received no response from an actual employee, only the attached automated emails. And now apparently I owe over {$1000.00}. 

I paid the loan balance of {$13000.00} in XX/XX/XXXX. I do not owe {$350.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10
Company: Shellpoint Partners, LLC
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:
In XXXX I lost the debit card attached to my bills account. My mortgage was supposed to be autopay so when I got the notice that I was late I set up with the company to pay back the sum in 3 payments. I later found out that they had reported me late for 3 months. They apologized and said that they accidentally sent wrong form to confirm payment agreement. They sent the correct form and I signed and sent back to them. I've been trying from XXXX to have these removed. I checked in XX/XX/XXXX where they removed it.2 days ago. XXXX XXXX I say it reappeared on my report dropping my scores XXXX points.not happy at all

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10
Company: First Advantage LNS Inc.
State: PA
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 have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

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 2021-04-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
PRA is falsely reporting two alleged debts in which I have no agreement with. I have NO agreement of any kind or any amount with PRA. I am not giving them a penny because I owe them nothing. PRA has yet to show me a dated statement from 2017 with MY address. They sent me a copy of a statement with an address that is not mine. And they have never been able to show me a written agreement between myself and PRA. Because there isnt one. I owe PRA nothing. They will get nothing. These two accounts are fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: Waypoint Resource Group, LLC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX, XXXX have submitted several requests to Experian on how they " verified '' my dispute with XXXXXXXX XXXX  XXXX. Each time I have asked for documents on " how '' did they verify the account in question and seeking validation not just a reply with account has been verified but no documents to show proof.

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 2018-04-17
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: Information belongs to someone else

Complaint:
CRA VIOLATION NO KNOWLEDGE INACCURATE XXXX  XXXX ACCOUNT # XXXX APPEARED ON MY EQUIFAX CREDIT RE [ PORT. FTC ID THEFT REPORT # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-10
Company: Sequium Asset Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Dispute was filed with XXXX XXXX on XX/XX/XXXX. Since no verification was ever provided I contacted XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. Still no basis for disputed charge has been provided.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13
Company: EQUIFAX, INC.
State: PA
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:
Good Morning and thank you for reviewing my concern. 
After reviewing the entire credit profile, XXXX XXXX placed a collection on the credit profile after being resold by the original credit profile. This improper credit reporting compromised credit profile and creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10
Company: MoneyLion Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I was sent an unsolicited credit card that I received in the mail on XX/XX/2021. I never applied for it nor have I ever heard of the bank " MoneyLion ''. It says that my account is set up, has an account and routing number, and is asking for personal information as well as signing and returning the form and activating the new credit card. 

I tried to contact customer support but they are not available over the weekend and I will not wait another minute before filing this complaint to hear their side of the story. I searched the internet and found others with the exact same story as mine and they had to file CFPB complaints and police reports in order for this fraudulent bank to close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within my Transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit

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 2021-04-11
Company: Resurgent Capital Services L.P.
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: Information belongs to someone else

Complaint:
Lvnv Funding LLC has been reporting an account on my credit report in the amount of XXXX. The collection has been reported as a charge off. When I research this company it also comes up at Resurgent Correspondence at XXXX XXXX  XXXX XXXX, SC XXXX. I have never done business with either of these companies and the company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29
Company: HUNTINGTON NATIONAL BANK, THE
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I moved from XXXX to XXXX in XXXX. I opened a bank account under Huntington National Bank because there were 0 XXXX XXXX XXXX XXXX  in the state of XXXX. I moved back to XXXX and closed the account in XX/XX/XXXX. They even sent me a check for the remaining balance in my account! 

But twice the bank has called randomly demanding {$150.00}? And saying that my closed account I literally can not even view anymore has insufficient funds and piling up late fees. Im furious. Ive called 8 times and everytime someone assures me the it should be fixed now. Ive absolutely had it, and know 200 % I owe them nothing. This is a complete scam and Im literally not tolerating it for another minute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-31
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
At pnc bank, On XX/XX/XXXX my account overdrew {$13.00} so I went to the atm as soon as I could that evening and deposited {$10.00} which brought my account to - {$3.00} so I was relieved that I didnt get an overdraft fee since it was under the - {$5.00} rule. The next day I received an overdraft fee of {$36.00} so I called and spoke to a lady at pnc bank and she felt very bad and said she agreed with me and that she didnt think I should be charge and that she would do everything she could to help. But she said I was denied to have it waived so she requested a manager call me. I called again A couple times but nothing came of it. Talked to the manager the next day and she said there was nothing she could do and I was denied for a waive. I really feel that it was unfair to be charged when my account was only - {$3.00} which is under the - {$5.00} rule and now I am in a situation to where Im not able to pay it and Im going to get charged more until I am able to for something that wasnt completely my fault since I read the rules and it said I wouldnt be charged if Im under - {$5.00}. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX is going from Agency to Agency reporting an account that isn't mine. It's predatory.

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 2018-06-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
For the last 14 years ( XX/XX/XXXX) Portfolio Recovery has been calling and sending collection Notices for a XXXX XXXX XXXX bill {$1200.00} from XX/XX/XXXX when I lost my house in foreclosure. I talked to them for many years explaining the bill went with the foreclosure on the house in XX/XX/XXXX. I moved to XXXX XXXX XXXX lived there for 10 years and they kept calling the house phone at my parents house and my cell phone. The kept insisting on multiple calls all times of the day and night. The also sent letters to my parents house. Every time I would answer and my dad would tell them the same thing. That the bill was from XX/XX/XXXX and went with the foreclosure on the house. I had a break from the calls recently because I changed my cell phone number and house number for the 10th time in 14 years. I spoke with someone Tuesday and told them the same thing I have been telling them for the last 14 years. So tonight XXXX XXXX  XX/XX/XXXX I got a phone call again from Portfolio Recovery spoke with XXXX XXXX and they are wanting to put it on my credit report and wanting to sue me for the bill from 14 years ago. The last 2 times I told them to stop harassing me with these phone calls about a bill from 14 years ago or I would contact a lawyer. I would like this harassment to stop because one it is from the last 14 years and statue of collecting the debt was only 4-6 years in Pennsylvania.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-29
Company: American First Finance, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Voluntarily sought period loan for tires and wheels from a local vendor. During the transaction I was not given a contract, payment plan, or any clauses or provisions regarding interest rate. This occurred XX/XX/XXXX, a day before departing on official business to Maryland for two months. During my trip I noticed payments were automatically debited to my bank account from XXXX XXXX XXXX. I called to inquire. The representative assured me that the payments would take care of the balance, automatically deducted from my account. Relying on the automatic for much of the year. 
Months later, this XX/XX/XXXX, I noticed the payments continuing past the balance, {$1400.00}, the amount of funds paid to American First was {$1700.00}. I inquired again, it was then I was given a copy of the contract and payment plan. As is, the interest rate was 144 % with a total of 39 payments for a total over {$3800.00} I informed American First I would be file a formal complaint and suspend payment due to their practices and lack in Truth-in-Lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Equifax and XXXX are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX partial account number XXXXXXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2021-04-11
Company: CITIBANK, N.A.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a refinance with Citibank on XX/XX/2020 and my loan was approved on XX/XX/2020. It is now XXXX and my loan officer claims my application is still in underwriting, with no ability to confirm when the closing will take place. My credit has been pulled twice at this point because the first credit check expired, so now this excessively long process is harming my credit score. I've also lost months and months of time waiting for the refinance, in which I could have been saving money on interest with my new interest rate. However, having already paid all the application fees I am stuck waiting for Citi to process my application. I was told 4 weeks ago over email that the closing should be " any day now '' and since then have received no reply to two inquires to the loan officer. Citi should be compensating me for the nearly 6 months in which I could have been saving interest on my loan.

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