BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-21
Company: CITIBANK, N.A.
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:
In XXXX or XXXX, my mother added me as an authorized signer to her XXXX/XXXX   card in order to help my credit. I have never made a purchase on the account, it was solely to help build my credit. It is being reported with me as a joint account holder rather than an authorized signer and is reporting to all 3 credit bureaus ruining my credit. I have disputed this information with XXXX and the collection department. They are unable to provide me with my signature on the terms/conditions, any signatures of purchases Ive made, or anything linking me to this account as joint. This was an error on XXXX and needs to be removed from my credit. Its unfair that they cant provide anything to show Im joint on this account and its abusive to allow it to affect my credit negatively when its not my debt. Ive asked for documentation with my signature on it and they sent statements. This needs to be resolved 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 2019-01-14
Company: Experian Information Solutions Inc.
State: IL
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 concerned about the validity and accuracy of the credit report which I acquired online ..They are just simply amazing! They put stuff on my credit report without even warning me about it. I am a victim of identity theft and the account is not my responsibility.. XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : 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 2018-10-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Unwanted calls from this company numerous times. Company calls from different phone numbers throughout the day by using local phone numbers. Company calls close relatives numerous times when asked not to or to be removed from call list.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21
Company: Southwest Credit Systems, L.P.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Southwest Credit at the direction of XXXX added a negative credit entry to all three of my credit files for a alleged debt without giving legal notification of the debt. Southwest Credit alleged that they sent to me via US Mail, a debt letter concerning the debt back in XX/XX/XXXX. I am DENYING this alleged debt is mine as I have not heard about this debt and was never notified of this alleged debt until XX/XX/XXXX. 

I am a current customer of XXXX, therefore they are fully aware of my current mailing address. Southwest Credit at the direction of XXXX, sent their debt collection letter alleging that I owe a past due balance to a previous address that I have not resided at for over 5-years. I have moved three times since the address Southwest Credit sent their alleged debt letter. XXXX and Southwest Credit seems to be using nefarious debt collection practices to insert negative credit entries onto my credit reports. Again, I have no knowledge of this debt and I contest that it is not mine, nor do I acknowledge that it is my debt. As you can see on the letter Southwest Credit claimed they mailed out to me, the address they sent the letter to is not my current mailing address and has not been my address since late XXXX. I have no idea who that letter went to and I personally never received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX XXXX XXXX XXXX ( 3rd party ) Original debt was with Santander for {$14.00}, XXXX and we don't agree with that amt. XXXX XXXX XXXX called on XXXX ( first time hearing from them ) and threatened to send Summons if we did not arrange a settlement, but I do not have a contract with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-21
Company: Convergent Resources, Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX calls from phone # XXXX every day, 4-5x per day at my place of business. I have tried numerous times to answer the call so I could speak to someone, but once I answer, the call hangs up. I have contacted them 4 times now to request them to stop calling. Just today, when I recognized the phone number, I answered it on speaker phone. There was an automated message with a name on it. I then called them back to give them the name. They notified me that they cant stop our calls based on the name. We have to provide the specific telephone #, which is impossible for me since we have a phone system that rolls over if unanswered in another state. we also have individual direct telephone numbers that will also roll over if unanswered. I advised them to have their IT dept figure out how that name provided was entered, so they would be able to trace the phone number. So far, nothing has been done. This has gone on for 2 months now.

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 2018-05-21
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I had an account with td bank they are saying I owe them XXXX in fees I had fraud reported it they closed my account and also I paid high fees the last year I had it which is XX/XX/XXXXto XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Account # XXXX from Portfolio Recovery Associates appeared on my XXXX, XXXX , & XXXX  credit reports in  XX/XX/XXXX. I DO NOT have a contract with this company. I sent letters to validate the claims and the following information was requested : 1. Agreement with the creditor that authorizes PRA to collect on this alleged debt 2. The ORIGINAL agreement bearing my signature stating that I have agreed to assume the debt and pay Portfolio Recovery 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Proof that they are licensed to collect in my state ; and 7. License numbers and Registered Agent As a result, the company sent me the same exact paperwork THREE TIMES! In XXXX & XX/XX/XXXX. A letter stating " verification information ''. None of which was a single item from the seven items requested in total. As of today, it has not sent me the validation that I have requested under the provisions in the Fair Debt Collection Practice Act ( FDCPA ). It is apparent that they have overlooked or ignored my request. 

As a consumer I am protected from predatory collection tactics & have a right to request AND RECEIVE Validation of an alleged debt in a timely manner ( 15 USC 1692g Sec. 809 ( b ) ). This company has failed to provide the requested information and is in violation of the FCRA by continuing to report false information on my credit reports, thus hindering an accurate consumer credit file and score for me and my family. Please delete this account from all three credit reporting bureaus IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21
Company: General Motors Financial Company, Inc.
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
GM financial has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

They have also violated v eCFR 12 CFR 1022 by refusing to speak to us after receiving our Third-Party Authorization Form

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Company: TRANSWORLD SYSTEMS INC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been called repeatedly for months by TransWorld Systems claiming to be attempting collections on a debt that I owe. However, I do not have any outstanding debt and after having spoken with several of their agents, this fact has been confirmed. Each time they have confirmed that I owe them nothing, they have promised to remove me from their call list, but this has not happened and I continue to receive endless automated calls regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-24
Company: EQUIFAX, INC.
State: GA
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 did not authorize ( XXXX Inquiry from XX/XX/XXXX National Credit Card Cos.

XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos.

XXXX Inquiry from XX/XX/XXXX Miscellaneous XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX   Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Personal Loans Cos.

XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, New XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Telephone Companies XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, New XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX  Inquiry from JXX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27
Company: U.S. BANCORP
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
This is regarding my experience with Elan financial services. I had moved to XXXX, XXXX and became working resident here since XXXX 2013. I was locked out of my online account as I was using a different computer. Upon calling customer assistance they told me I needed a current credit card to be able to have access to my online account. However, my current credit card was sent to an old address in XXXX Colorado. Another thing worth mentioning is that the mail system in XXXX is extremely corrupt and I received about XXXX % of my mail sent from the U.S. The supervisor told me that the only way I could see my financial statements was if they sent them to me, or if they sent me my current card in XXXX. If they send me my CC to XXXX both my personal information and CC is in high risk of being stolen. All I want to do is pay off the balance, but I wanted to review my automatic payments over the last three years to ensure that my payments were properly allocated to both prinicpal and interest per my terms and conditions. However, they will only provide this with current CC information and they will only send this by mail, which will open me to both CC fraud and identity fraud. They will let me pay off the balance but they have denied me the right to review my statements and balance that I have been paying on for the last three years.

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 2017-01-03
Company: Exeter Finance Corp.
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have been unable to drive my vehicle due to Exeter not sending my Title to the Georgia MVA over a year ago. Upon discovering this at the end of XXXX when I attempted to renew my registration, I requested Exeter send the title so I could register my vehicle. It has still not been sent as of today, XX/XX/2017. 

When I spoke with a representative in XXXX, she agreed to have the payment that was due moved to the end of my total payment cycle. That was not done, and Exeter is reporting me as being 30 days late to the credit bureau for a vehicle I have been unable to drive due to their inaction. 

Additionally, they have repeatedly sent the wrong document, which I have told them every time it happens. Some of the representatives have been extremely abrasive and unhelpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: Radius Global Solutions LLC
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Radius Global Solutions continues to call at XXXX XXXX XXXX each evening. It is a robot call with no operator and no ability to leave message. I called and told them i owe nothing and i have no debt. They continue to call and i can not block since they change numbers. How can i have FTC charge them? Called XX/XX/19

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Capital one has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27
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: Personal information 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 information listed below still remains on my credit report in violation of Federal Law. The Equifax 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 unverified personal information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL INFORMATION COMPLETELY FROM MY CREDIT REPORT : Wrong Name : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: BARCLAYS BANK DELAWARE
State: DE
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:
my personal info was used to open credit card with Barclays bank, they changed my address and no statement was coming to me. When I found out the problem I called and reported it to Barclays in XX/XX/XXXX, the charges on card was {$10000.00} then. They closed the card and issued credits. on XX/XX/XXXX they sent me a credit check for {$200.00}.

Now they are sending me a different credit card saying I owe {$31000.00}, I have called and sent them letters they do not reply nor call me back, and now they send a different card saying I now owe {$13000.00}, these cards are not mines and they still have it on my credit report with the fraudulent address.

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 2021-06-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX I visited a stand-alone Bank of America ATM at XXXX XXXX in XXXX North Carolina and attempted to withdrawal {$440.00} from the ATM using my Bank of America issued unemployment card. The ATM did not dispense the money and told me that the transaction would be reversed. No receipt was printed out. I then stepped to the ATM next to it ( also Bank of America ) and attempted to withdrawal the money from that ATM, as I needed the cash to pay rent, which was due that day. When I requested the money, however, I was declined due to the fact that the transaction that did not result in me receiving my cash was NOT reversed/cancelled in their system, and my account was debited the entire {$440.00} which I received none of. I opened a claim that day, and it took until today ( XX/XX/XXXX ) to succesfully get the claim opened and an " investigation '' initiated. I was told that I would receive a letter about the banks decision in 45 days. As this is an extreme financial burden to me which has already cost me {$50.00} dollars in late fees for my rent, and Bank of America is the only entity at fault in this situation, I feel as if this situation should be expedited or a provisional credit should be issued by the responsible party until they do finally get around to it and see that they indeed rob me of money that was rightfully mine.

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 2018-06-22
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified erroneous tradeline listed by XXXX XXXX XXXX still remain on my credit report in violation of Federal Law. XXXX XXXX XXXX is required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the result of XXXX XXXX XXXX   first investigation and subsequent reinvestigations, they stated in writing that this account in question was verified that this tradeline was being reported correctly! Who verified this accounts? XXXX XXXX XXXX has NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA XXXX XXXX XXXX is required to promptly DELETE all information which can not be verified. In XX/XX/XXXX correspondence from XXXX XXXX XXXX stated that " we are obligated to report accurate information to the consumer reporting agencies ''. In your XX/XX/XXXX letter XXXX XXXX stated that my account had been VERIFIED. In XX/XX/XXXX, I requested the method of how such verification was done and none was provided! I am attaching a letter from XXXX XXXX dated XX/XX/XXXX, in which XXXX XXXX XXXX states clearly on behalf of XXXX XXXX that " we are unable to provide you with a copy of a signed contract ''. Of course, they don't have a signed contract because I NEVER had any debt with your company!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
Company: Innovative Strategic Solutions
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was called in on my home phone and cell phone on XX/XX/XXXX. I was called again on XX/XX/XXXX on my home phone, cell phone and I was emailed by XXXX XXXX. I was asked to supply my credit union account number and social security number which I refused to do. 
I called my credit union and was told that they do not use collection agencies to collect and all of my accounts were checked and I have no loans ( which I already knew ). The phone number that called me was XXXX and the person that sent the email was XXXX XXXX, email address of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Payments made since XX/XX/XXXXshow inconsistencies with how they are applied to the principle versus the interest. Periodically payments are made where more is going towards interest and the incorrect amount is going towards principle. There are adjustments made over the years. Some say adjustments ; some are interest adjustments. Since XX/XX/XXXX, interest adjustments have been made, but no adjustments to the principle have been made. This means that the amount that was incorrectly applied to the interest is being taken off, but not applied to the principle. My questions are why is this happening consistently? Why hasn't the right corrections been made since XX/XX/XXXX? Why can I not speak to someone about this issue? I was told that a response would come to me via US post office mail. I'm unsure how this issue will be resolved by mail or why there is no one for me to talk with to handle my account?

Company response to consumer: Closed with explanation