BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-31
Company: Santander Consumer USA Holdings Inc.
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I traded the car in question in on another and the new dealership did not pay the old car off in a timely fashion which made it look like I had paid the car payment and then it was completely paid off in full BY XXXX XXXX XXXX XXXX!!!!!! THIS WAS NOT AT FAULT OF MINE!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: PNC Bank N.A.
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I received an email from PNC bank on the morning of XX/XX/2023, alerting me that my checking balance was {$0.00}. 

I checked the PNC XXXX  and saw a charge of {$1500.00} or so to Rental in XXXX, posted on XX/XX/XXXX. I had never even heard of XXXX in XXXX until this point. 

I called immediately and was told they would take up to XXXX days to even get provisional funds back in my account. I asked them to expedite that, but was told that since I had a balance in a separate XXXX  account, I didnt qualify for emergency expedition. I asked what if I had plans for that money? They had no response. 

I called again this morning, XX/XX/XXXX. There has been no progress, of course, but I was able to convince them to expedite the fraud investigation. Although they still maintain it could be XXXX days for provisional funds to hit my account, and something like XXXX days for the actual money to be refunded. 

Some background : I have been using my PNC credit card to buy things for our trip to XXXX next week. Most of those transactions have been flagged for security. XXXX glad for that and shot to take the time to confirm the purchase. Its ridiculous that they dont have the same tenacity when it comes to my debit card. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31
Company: TRANSUNION INTERMEDIATE 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:
I have paid this account directly with XXXX. XXXX XXXX XXXX can't collect on a debt that I paid in full with XXXX. see attached, shows payment for {$66.00} to 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 2017-09-14
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: Was not notified of investigation status or results

Complaint:
Re : Equifax Data Breach On XXXX XXXX I called Equifax about their Data Breach. They told be to go to the site www.equifaxsecurity2017.com to find out if my information was compromised. It was. I tried calling back Equifax today, XXXX XXXX and can not get through to them, since the information showed my credit information was compromised. I need help to find out what to do to make sure my information is not being stolen

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
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:
For the past year, I have been trying to get the following taken off from my credit report due to being a victim of identity theft in XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) - XXXX XXXX XXXX ( I DONT KNOW WHAT THIS IS ) US Dept. of Education / XXXX  - All inquiries Last Dispute was 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 explanation
Consumer complaint received 2021-04-27
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: Information belongs to someone else

Complaint:
I disputed it some account XX/XX/XXXX didnt got a response I disputed again the same account but since XX/XX/XXXX I have collection an bankruptcy in affecting my credit I ask for debt verify they didnt.respond I need to fix this asp thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Company: Dynamic Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a credit card with XXXX XXXX. I paid it off in 2018. It was sent to collections and will not accept the information I have sent numerous times proving it was paid off. It remains on my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-07
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am continually being called, harassed, and threatened by XXXX XXXX   representing Ace Cash Express over an alleged debt that involves my son XXXX XXXX. Every morning and evening I am being called and threatened to be served Civil litigation papers on his behalf of Ace Cash Express, from the following numbers XXXX, XXXX XXXX XXXX XXXX. 
My family members XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX As you are quite aware this action is in direct violation of FDCP 805. Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( b ) Communication with third parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Portfolio Recoveries has 2 accounts on my credit report. I have repeatedly disputed these accounts on my credit report due to inaccurate balances. I have asked for proof of balances and instead Portfolio will continue to send letters demanding payment. Ive never received actual proof of me owing the balance they claim I owe. Please remove these accounts from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: Early Warning Services, LLC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
My grandmother got her account remotely accessed and her money was transferred on Zelle not by her authorization she was under the impression that a bank employee was helping keep potential scammers out of said account. We contacted the bank on XXXX XXXX. On XX/XX/XXXX they denied it because they filed it as a scam instead of fraud. I just want her money returned to her as it was unauthorized and the bank wont do anything and make it seem like its her own fault that her account was accessed. They closed the checking account and were waiting to hear from them. XXXX XXXX XXXX is the people Makin it seem like its her own problem

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: PENTAGON FEDERAL CREDIT UNION
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: Didn't receive advertised or promotional terms

Complaint:
PENFED Credit Union sent me an application for a XXXX Credit Card. The requirement is to open a {$5.00} saving account and become a member. On the advertisement, they said the {$5.00} is on PENFED ( see attached original advertisement ). I applied and received a congratulations email for the approval. I waited and no card showed up, So I called on XX/XX/21 talked to XXXX and she said she will sent an email to their department to fund the {$5.00} and I will received my card in week and a half. No card showed up and I called and talked to XXXX on XX/XX/21 and she said she will send an email to her supervisor to fund the account. On XX/XX/21, I received an email from PEDFED saying that my application expired and if I like, I can reapply anytime. So I called again on XX/XX/21 talked to XXXX  this time to find out what's going on. She said because I didn't fund my {$5.00}. On the advertisement, it clearly says PEDFED will fund the {$5.00}, Attached please find the false advertisement, Congratulation approval email and the Unfortunately please reapply email. 

Thank you so much for all of your help! 
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 2019-02-19
Company: Experian Information Solutions Inc.
State: MT
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 was notified that an account is in collections under my SSN and name. After attempting to call the company several times and being refused assistance I filed a dispute on my credit report. They simply found the account information " accurate '' which is impossible because it's fraud. I have filed a police report. The fraudulent account is with XXXX and their own fraud department told me there is no account under my SSN so how could Experian possibly verify the account as accurate?

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 2019-02-19
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: DC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received multiple calls and repeated letters to my parents house. When I asked the caller for more information on the specific service for which I owe, they are unable to answer or give me any details. To my knowledge, I have never done business with the client requesting the debt, and without a specific date and service rendered, I said I was unwilling to pay it. The last letter I received was dated XX/XX/XXXX. 

Separately, the tone of the letter is threatening and unprofessional.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I recently received a copy of my credit report, and I noticed some inquiries on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2022-01-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have 5 separate credit inquiries on my credit report from CAPITAL ONE. I did not authorize these inquiries. they are dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-30
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a collection that recently appeared on my XXXX report that i did not recognized. It was reported on XX/XX/2021 to XXXX, on XXXX it does not have a date. 

I called XXXX XXXX XXXX XXXX which is the phone number on the collection on XXXX and XXXX and they asked me for my social security number, however the last name they have according to them is XXXX XXXX. I explained to them that this should be fraud because that is not my last name, has never been my last name and I did not recognize that balance or account. I told them that I needed that removed from my credit bureaus ASAP since that did not belong to me but they said I should then contact credit bureaus

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 2019-02-19
Company: FC HoldCo LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I opened a complaint with CFPB about XXXX previously and I am now opening another because my legal rights have been violated. I will be opening a case with the FTC and my attorney. 

After your property is sold, a creditor must tell you these things in a written notice. 
Your debt before the sale. NO How much your property was sold for. NO Your debt after the sale. NO Any expenses of repossession and sale. NO Any credits or rebates owed to you. NO The amount you still owe ( deficiency ) or the amount of extra money you get ( surplus ). NO XXXX DID NOT follow proper notification procedures. I did not receive ANY of the notices they have attached until I filed the complaint with the CFPB. The letter of Deficiency is dated XX/XX/19 2 YEARS AFTER THE SALE OF THE VEHICLE!!! I demand verifiable proof these notification were received by me ( ie. certified mail receipt, signature, delivery confirmation. ) The letter of Intent to sell was sent to one address which was NOT the address the vehicle was recovered from. Flagship sold the vehicle at a " private sale '' with no exact date just a statement the letter that says " sometime after '' which I never received that letter until today XX/XX/19 when they attached it to the complaint. I had reached out several times asking for a letter of Deficiency and was told the information wasn't available. I almost lost my job because I could not get a letter from XXXX. So I am saying there is wrongdoing on XXXX 's part. I am not disputing the vehicle being repossessed but I am saying XXXX failed to properly notify me after the repossession took place.

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 2019-02-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
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:
XXXX XXXX XXXX & Potfolio Recovery ( their go to debt agency ) has been contacted by myself for over 2 years. I get the run around I get forms to fill out no follow up at all. I now want to seek federal action. My credit cards and debit cards were stolen 2017. They are reporting inaccurate on my credit reports. They all pass the blame to the other and do not correct the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
Company: Innovis
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
There have been several hard inquiries that have shown on my credit report. I have not applied for anything in several months due to the fact I am trying to clear out my credit debts and raise my score to purchase a home this next year. There are companies that I don't even know who they are that are showing a hard inquiry on my account. My identity was stolen in 2016 and I now have to apply for a PIN every year to do my taxes. Please make sure these are removed as soon as possible. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
Company: Green & Sons Agency, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
PLEASE RE SUBMIT TO XXXX THE REMOVAL ACCOUNTS ARE STILL ON MY CREDIT REPORT ACOUNT # XXXX FOR THE AMOUNT {$150.00} AND HAVE NOT BEEN REMOVED. ACCOUNTS OPENED UNDER MY NAME AS A RESULT OF IDENTITY THEFT. I SENT THE POLICE REPORT TO XXXX  AND NOW I AM SUBMITTING THIS FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
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:
To whom it may concern, I am trying to get my credit report to be 100 % accurate. I have disputed several times now with all three bureaus and with each bureau I get the infamous response of verified as accurate. I am going to attach copies of the dispute letters that I have submitted and the evidence to support what I am asking. Items such as collection accounts showing a past due on my credit report which is a violation. The date of status or date updated are inaccurate and show me that the credit bureaus aren't even conducting an investigation at all so how can they say the verified as accurate? Monthly payment due on closed accounts and late payments showing after the account was closed and still reporting. These are all violations and because of this they should be on my report. I have disputed these specific reasons and still am not getting results. I am also have a issue with Experian and XXXX reporting my personal information inaccurately. I have provided them with the proper documentation but I still have more than one phone number listed more than one address and more than one full name listed. I should know what my information should be and look like so this shouldn't be a issue. I am also having issues with hard inquiries on my credit report that I have no open account that they could be attached to or my authorization to run my credit. I have not authorized anyone to run my credit for 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 non-monetary relief
Consumer complaint received 2023-01-30
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2018-04-05
Company: Professional Recovery Management
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:
I am a victim of identity theft. Several years ago someone broke into my office and stole several ID documents, including my social security card, driver 's license and passport. I filed a police report with the XXXX Police Department. The XXXX   approved my report and gave me the official report number # REPORT NUMBER : XXXX I have attached a copy of the report to this complaint. Upon checking my credit I found an item from XXXX XXXX, a debt collector collecting a debt for a utility account that did not belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank of America incorrectly and erroneously froze my checking account due to their faulty fraud system on XXXX. I contacted the bank via telephone on XXXX and i was not given a valid reason for the freeze nor valid solution or timeline for resolution per the security supervisor they can not find any reason for the system triggering and have no method of override or resolution. Further, security supervisor also informed they are unable to follow up with resolution as they do not know a date when it will be resolved and stated I would have to call back randomly to see if/when issue is fixed.

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