BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-07
Company: GVA Holdings, LLC
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I received a loan from Northcash and was not disclosed the interest rate, only the finance charge on the phone. This was a minimal amount. My signature was forged through electronic email. I asked repeatedly to pay the loan in full, which continued to increase. I researched the company and found out this is a payday loan, which in the state of NJ is illegal, however this company claims to be a Native tribe on Sovereign land, which if the consumer does not agree to the terms or to continue the loan, it must be cancelled. Once the information was received, my identity was compromised which resulted in numerous bank fees and credit holds and issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: InvestiNet LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is my XXXX time filing a XXXX complaint about this and this is criminal at this point. The 2 previous complaints are numbers XXXX and XXXX. 

So basically they are illegally trying to collect on a debt that is passed the statue of limitations and are FALSELY stating the amount owed. The court judgment they tried using before is long expired and was never renewed so it is passed the statue of limitations. 

So please stop telling lies that this debt is owed, enforceable or collectable. Everything you have provided so far has been passed the statues of limitations so explain yourselves?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: U.S. BANCORP
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Received phone call from someone claiming to be from " XXXX & XXXX XXXX XXXX and XXXX. '' The person stated I had a debt owed to US Bank for over {$2000.00} and liens had been placed against my home, bank accounts, and properties. I asked when the original debt was created, as I have filed bankruptcy and my debts were discharged in 2013. The person refused to answer. Then the person stated " Good luck in court '' and hung up. I called back to get further information and the same person answered but could not give me any details regarding the debt and insisted I would receive the information when I was served.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Greetings, my name XXXX XXXX and I am reaching out to delete several items from my credit report. I am a victim of identity theft and did not authorize these items on my report. I reported the theft of my identity to the Federal Trade Commission and enclosed a copy of the affidavit. Please delete these items as soon as possible.

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 2018-01-19
Company: Main Street Personal Finance
State: LA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
XXXX XXXX in XXXX XXXX, has called me as a collection/private agency between XX/XX/XXXX threaten me and my family member saying they have cops on the way to serve me paper to have me arrest. Looking up my father information his social security, and giving it over the phone to other. tell my family they have them subpoena to testify on their behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: ENCORE CAPITAL GROUP INC.
State: AK
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 tried for several years to challenge a letter that Midland Credit XXXX has been sending for many years, claiming they I owe money to " XXXX XXXX  XXXX ''. 
I have never had an account with any such company, and have made repeated attempts ( see attached ) asking them to verify the debt and demonstrate what services I signed up for that generated this action. 

I have even challenged this thru XXXX, but the answer I always received is " verified ''. 
Midland Credit refuses to tell me what the bill is for, and what services generated this debt? 

I have also circled the bottom of the recent Midland Credit form, telling me that the bill is past the statute to limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: Experian Information Solutions Inc.
State: NY
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:
I have sent disputed letters asking for the unverified late payments to be removed for the year of 2015, they only removed 2 late payments, there are still unverified late payments on my accounts, If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ) under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.

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 2017-12-28
Company: EQUIFAX, INC.
State: NY
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: Didn't receive services that were advertised

Complaint:
I have gone through the online process three times since Equifax launched the page offering consumers Identity Theft protection as a result of THEIR breach and have yet to receive the activation email. 

I have also called Equifax twice and was told twice that they would call XXXX to request they send me email including calling them today to get bounced to three different people and the last guy I was transferred to kept asking me over and over and over again what site I was using to enroll after telling him over and over and over again that I was going through Equifax 's home page. 

Clearly Equifax has not resolved the issues with getting this matter resolved so consumers can sign up for Identity theft protection for the breach in their systems and since my credit score with Equifax is XXXX!. according to XXXX XXXX, there is  no doubt some sort of fraud on my Equifax Credit report because I have no legitimate accounts there are negative or unpaid, and yet NO WAY To ACCESS my Equifax Credit Report because they have n't sent me the bloody activation email and the customer service reps answering the phones clearly have no clue what they 're doing either.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I am getting repetitive phone calls after I answered call and told them not to call back. They are trying to contact someone else other than myself. I am getting calls when I answer I am telling them I am not the person they are looking for and not to call back. Sometimes they leave a message, sometimes they do not. The calls have been coming from different locations and different phone numbers in other states. I use my phone to perform my job in which I place and receive calls across the country. I have no way of filtering out which of these calls are important to perform my job and which ones are harassment calls from XXXX XXXX XXXX XXXX. Once again I am not the individual they are trying to reach and I do not have any outstanding debt to be collected. Most recently : call XX/XX/2021 @ XXXX call XX/XX/2021 @ XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-13
Company: Pacific Credit Exchange Corporation
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I do not know these accounts. These are hard to understand why they are appearing in my credit file without any identification and has a lot of missing information. I demand an investigation as to who is using my name and my information and using it to get services that will turn out in collections in the future.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18
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:
IN REGARDS TO EXPERIAN XXXX. XXXX XXXX XXXX TEXAS XXXX I HAVE BEEN A VICTIM OF IDENTITY THEFT AND FRAUD AND HAVE BEEN VICTMIZMED BY THESE INTERNT CRIMINALS. THEY HAVE STOLEN MY IDENTITY AND HAVE OPENED AN D APPLIED FOR ACCOUNTS I HAVE NO KNOWLEGEDE OF UNTIL NOW. I HAVE DISPUTED WITH EXPERIAN AND AKED THEM TO REMOVE MOVE THESE FRAUDULENT ACCOUNTS AND EVEN CALLED OVER THE PHONE AND SPOKE WITH A REPRSENTATIVE AND STILL HAVE NOT GOTTEN ANY RESPONSE OR RESULTS OF THE DISPUTES.

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 2020-05-22
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
I'm not sure how but I believe someone has been trying to use my identity to apply for new credit lines. I reached out to CAPITAL ONE BANK USA NA to get the inquire removed but, they haven't resolved the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: FirstPoint Collection Resources
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a balance of {$130.00} with my primary care physician. I paid this amount through my XXXX account on XX/XX/XXXX and the check was mailed to the address listed in the doctor 's bill. On XX/XX/XXXX I received a bill collector 's notice for this bill. I emailed the collection agency my supporting documentation showing that I paid the bill. The bill collector at the time was XXXX. I received email confirmation from the bill collector that the balance of {$130.00} was satisfied. 

Today, XX/XX/XXXX I received a call from Mrs. XXXX with First Point Resources asking for payment about the same bill. I emailed Mrs. XXXX all of the necessary documents

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-28
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:
These fraudulent accounts are reporting on my credit report. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: FIRST HORIZON BANK
State: OR
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I defaulted on a HELOC In XX/XX/XXXX. The account was charged-off in XX/XX/XXXX. My last payment on the account was XX/XX/XXXX. Since that time I have attempted 4 times to settle this account. Each time I was denied. The statute of limitations In California for a written contract is 6 year has now expired. I called the bank on XX/XX/XXXX And spoke to a customer service representative at approximately XXXX XXXX. I was informed that the statute of limitations has run out and they were unable to collect the money. I requested my account number which after being transferred for 4 times the account number was provided. This statement was from XXXX. I was provided a copy of the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-28
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: Information belongs to someone else

Complaint:
To whom this may concern : This complaint is due to the unauthorized inquires on my Transunion report. I have a fraud alert on my account which should have not allowed these companies to allow credit applications without verification. The unauthorized inquiries listed are XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX, XXXX XXXX CA XX/XX/XXXX, XX/XX/XXXX/XXXX XX/XX/XXXX. It would be greatly appreciated if these inquiries be removed from my Transunion report as soon as possible. Also, the account XXXX/XXXX needs to be removed that was never properly verified with physical proof of debt validation or contract after disputing on more than one occasion. This XXXX/XXXX  account shows that it was sold/paid in full to XXXX XXXX which means that I do not owe this debt to this company that is listed on my report nor would Transunion be able to properly verify something that they no longer own. Also, the collection account XXXX XXXX was not properly verified either with physical proof of debt validation just updated as " Verified 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 explanation
Consumer complaint received 2021-10-01
Company: PNC Bank N.A.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/2020, we contacted PNC Bank to inquire about the Covid19 Relief Program. We specifically asked about the deferred payments and how they would be collected. We were assured that the deferred payments would be added to the back end of our mortgage and we could resume payments up to a year after entering the program. After about 8 months we started to received paperwork about entering into some sort refinancing program that was never discussed or disclosed when we contacted PNC to enter into the Covid19 Relief Program. When we called to inquire about this paperwork, we were informed that we needed to pay back the deferred payments, {$11000.00} plus, not at the end of the mortgage as previously discussed and assured by PNC or enter into this refinancing program. We spoke to the PNC employee, XXXX, assigned to our case and informed her of what was discussed and agreed upon. She kept referring us back to the refinancing program that we informed her was never discussed with us at the start. XXXX admitted that there were no guidelines to this program and she herself was unsure about the details of how the program works.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: TD BANK US HOLDING COMPANY
State: NY
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 found that in have a few credit inquiries on my credit report which I did not authorize. I called the companies to remove them but no one ever got back to me. 

XXXX 1. XXXX -Inquiry XX/XX/XXXX 2. XXXX XXXX - Inquiry XX/XX/XXXX XXXX 1.XXXX XXXX XXXX - XX/XX/XXXX 2.XXXX - XX/XX/XXXX 3.XXXX - XX/XX/XXXX 4.XXXX XXXX XXXX XX/XX/XXXX 5.TD Retail Card Service   XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
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:
Fraudulent charge was made on my account XX/XX/2022 to XXXX for {$10000.00}. I filed a fraud claim with Bank of America. I received a denial letter dated XX/XX/2022. They claim the charge was made from my verified device such as cell phone or tablet. I do not have a tablet and my phone is not tied to my credit cards or bank accounts. I do not have an account with AIRBNB and they did not recognize my phone number when I tried to call. I filed a police report. I am currently appealing their decision.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-24
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My phone number has been receiving an average of 6 calls every day, sometimes more, from Synchrony Bank ( XXXX ), on behalf of T. J. Maxx, for a few weeks. I do not have an account with TJ Maxx. Apparently, my phone number is associated with someone's delinquent account. I contacted them directly and have now spoken with 5 separate people. One of their representatives said he would not remove my phone number from the person 's account because he couldn't update someone's contact information without her permission. He admitted he had no other way of contacting the person, and said he understood continuing to call my phone would not resolve any account issues, so his refusal to delete my information is nonsense. Every other person promised that they applied a fix that would immediately ensure I would not receive any further calls ; however, I have since received 5 more calls. I do not know the person whose account they're harassing me about and their continuing to call me will yield them no benefit. It is only frustrating and disruptive to my day.

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 2022-03-07
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:
XXXX XXXX XXXX XXXX # XXXX, XXXX, Amount {$920.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX, AC # XXXX, XXXX, Amount {$440.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, XXXX, Amount {$600.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX XXXX # XXXX, XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX, XXXX # XXXX, XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX, AC # XXXX, XXXX, Amount : {$0.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, XXXX, Amount {$1500.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX, AC # XXXX, XXXX, Amount {$1600.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible.

Company response to consumer: Closed with explanation