BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-13
Company: Hosto & Buchan, PLLC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a notice today XXXX/XXXX/XXXX from my employer that my wages were to be garnished XXXX. After reviewing the documentation provided from my employer I realized I have never heard of this debt. This is supposedly from a judgement received in XXXX of XXXX in XXXX TN. I currently live in NC and have had no knowledge of any judgments against me. I called the plaintiff listed XXXX XXXX XXXX and the representative there had no information for me only gave me another number to call XXXX. After calling that number I see it is for an attorneys office XXXX XXXX XXXX, Hosto & Buchan Pllc. THe representative there was very rude and even after i told her this was not my debt told me i was pass the disputing period. how would I know to dispute something I have never had any information on. I was advised this is from a credit card issued by XXXX XXXX. I have never heard of this company and have never been contacted by them or any collection agengy. I was not given to opportunity to validate this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I received a letter from Capital one regarding the closure of my credit card account due to inactivity. Card ending in XXXX. I have had this card for a very long time and I have excellent credit and by them closing it out and not giving me a chance to use it, it will hurt my credit rating because this is an old card. 

I called them and requested that they do n't close the card and suggested it can be transferred or converted over to a new card which offers better products. 

They told me we can do this and someone will call me back and its been a few days now and no one has called me back. 

I strongly believe this is a discriminatory practice by Capital One. I did n't violate any terms and conditions either. If they want me to use the card than they should offer me better incentives like all other card companies I use currently. 

This tactic of forcing excellent customers to close their accounts without any warning is Discriminatory and based on Race in my opinion. 

They never even sent me a card because old card expired 2 years ago. How am I suppose to use the card?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: LEXISNEXIS
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I used to be a XXXX customer. When my insurance was about to expire, I reached out to other companies for quotes. A few weeks prior to the end of insurance coverage, I purchased auto insurance from XXXX XXXX. A month later, XXXX XXXX canceled my insurance. The reason for the cancellation was due to a report from Lexis Nexis ' Clue Report. They reported that a claim was filed while I was a XXXX customer. The accident that was reported involved someone I have never heard of, in a town that I have never visited, in a car I have never owned. The policy numbers did not match. Lexis Nexis has not been cooperative in resolving this issue. XXXX states that they reported the policy numbers correctly and that XXXX XXXX has made the error. XXXX XXXX wants to take 30 days to straighten out their mistake. Meanwhile, I am without auto insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: Experian Information Solutions Inc.
State: KY
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 received a copy of my credit report and noticed some hard inquiries I do not recognize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-14
Company: BTH Management
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Payday loan company DBA as XXXX and collecting as " PLAZA SERVICES '' inflated original debt of ~ {$400.00} to over nine hundred, and re-aged account at least once to XX/XX/XXXX.  Account has XXXX of XX/XX/XXXX. May be fraudulently verifying inaccurate account details to XXXX, et al.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
Company: Collection Bureau of America Ltd.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
on XX/XX/2021, I called the debt collector to see the status. They said it was paid in full but still took XXXX more on XX/XX/2021. I tried XXXX XXXX XXXX but that failed twice. I have received any documents or correspondence from Collection Bureau of America. I feel that they did not tell the truth to XXXX  They owe me XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 sent in evidence, also an FTC report stating the accounts I am disputing isnt mine. And still XXXX and Transunion are giving me a hard time! This is torture and very depressing.

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 2019-06-14
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
I received a phone called from a third party phone number XXXX-XXXX-XXXX who told me to hold someone want to talk speak with me it ... .. it was debt collector attempting to collect a debt from JCPenny which I was told if I did not pay the amount in full I would be arrested.. however this debt collector is not authorized to collect debts in the State of Texas..The person on the other end of the phone was speaking so fast I could not get the completed name of the third party company that was use by this particular collection agency.. I told the them I was going to report to the FTC.. because I consider this harrassament. The person at the said number ask to be reported to the FTC so I am..

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 2017-11-14
Company: Experian Information Solutions 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:
I had previously sent fraud affidavits to Experian to get the following accounts which resulted in fraud removed from my credit history. They have failed to properly investigate and remove the disputed items below. 

- XXXX XXXX XXXX XXXX ( XXXX ) : Verify account is mine without violating any HIPPA laws. 
- XXXX ( XXXX ... ) : Fraud - Chase Card ( XXXX ... ) : Fraud - XXXX XXXX ( XXXX ... ) : Fraud - XXXX XXXX XXXX ( XXXX ... ) : Fraud - XXXX XXXX XXXX ( XXXX ... ) : Fraud - XXXX ( XXXX ... ) : Fraud I have sent 2 previous letters to Experian, all by certified mail requesting that they remove inaccurate information from my file along with the fraud affidavits and they have failed to do so. Accordingly, I can show a judge that these accounts are inaccurate and that they violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous lettersall sent certified mailstated my reasons for an investigation and these reasons were not frivolous in any way. 

If this final request does not prompt them to conduct a proper investigation of the accounts in question and send proof to me of said investigation, I will file a civil suit in XXXX County for damages. I take my credit very seriously and their lack of professionalism and assistance is unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum.

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 2022-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I'm a victim of identity theft. I've been attempting to recover the damage and resolve the issues on my credit report by calling, faxing, and uploading the required documentations to the bureaus as requested by their agents. But the issue is that the website never completely lets me finish the account setup with usual errors ( ie " failed security check '' or " site error, try again '' ) on multiple occasions. Contacting IT department of the bureaus lead to nothing as the agent would " open a ticket '' and no resolution was reached. When the site actually does let me make an account, I can't submit any disputes due to further glitches and contacting IT again leads to nowhere. Last option remains to call their representatives and proceed to dispute through that but when I do call, the reps are too lazy to even properly initiate any disputes. FTC and police report numbers are not taken over the phone and are asked to mail instead. Even after mailing the said documentations over and over again via certified mail and having proofs that the bureau received it, the agents keep denying the receipt and keep hindering my attempts to fix any and all attempts to resolve this drastic information leaks on the bureaus end.

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 2018-01-25
Company: Navient Solutions, LLC.
State: NV
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I get phone calls everyday, they are calling relatives, friends and people I do n't have contact with anymore, they are calling my employer constantly and I am being reprimanded at work for the phone calls.

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 2017-12-29
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I called Synchrony Bank at ( XXXX ) XXXX on Wednesday, XXXX XXXX, XXXX at approximately XXXX XXXX to discuss an abrupt hike in my monthly payment amounts on two jewelry purchase accounts which I have with Synchrony Bank, associated with jewelry purchases made at XXXX XXXX XXXX 
The Synchrony Bank associated with whom I spoke, named XXXX, stated that on my more recently opened of my two XXXX accounts, a late fee of {$27.00} had been assessed, allegedly pursuant to said account being set up by XXXX XXXX, XXXX. I corrected XXXX for assessing XXXX XXXX arbitrarily as the set-up date for the account, since I actually set up the account with XXXX XXXX XXXX on Saturday, XXXX/XXXX/XXXX as sales receipts clearly indicate. It would be perfectly unreasonable for a payment, first estimated to be {$93.00} and mysteriously escalating to {$100.00}, to come due on the XXXX of the following month, as I explained to XXXX, who became very evasive with me, to the point of continually wanting to get off the phone rather than to confront the issues that I was raising, blaming XXXX XXXX XXXX ' record-keeping although the documentary trail on the merchant 's side is clear. 
When in response to XXXX 's evasiveness I advised her that I would refer the matter to someone who could help me resolve this problem, XXXX expressed concern not over any issues raised, but rather over the possibility that I might involve regulatory authorities. 
I have ongoing issues with XXXX 's business practices, especially the dearth of firm paperwork, mirroring that of companion merchant XXXX XXXX XXXX, clearly specifying as opposed to verbally estimating fees, and subsequently accumulating and assessing late fees with no warning in terms of dunning letters or other clear advisories as to payment terms prior to assessment of late fees. Statements are rare, and usually serve only as notice of late fees already incurred.

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 2017-11-14
Company: Experian Information Solutions Inc.
State: TX
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:
To Whom It May Concern, I received a notice of data breach from XXXX on XX/XX/17. This included accessing supporting documents that may have included my government issued id, home address etc.
Due to the sensitive nature of the information revealed in the data breach, I have requested from all 3 reporting agencies including XXXX remove all of my private information from its and its affiliate servers and anywhere/all places that information is stored. This information, including my name, social security number and accounts are being stored without my consent and to please remove and destroy any and all information immediately. 

They have not complied. 

Sincerely, 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 2022-03-02
Company: PNC Bank N.A.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Problem with customer service

Complaint:
On XX/XX/2022 I got a cashiers from XXXX for {$7000.00}. On XXXX XXXX I went to the XXXX XXXX Branch of PNC where XXXX XXXX is the branch manager. The branch is located at XXXX XXXX XXXX XXXX, XXXX XXXX Md XXXX. 

As of XX/XX/2022 I have been told by both PNC and XXXX that the check has not been cleared. XXXX has said that PNC has not contacted them for verify the check. PNC can also give no reasons that they have not cleared my deposit. They also will not give me the cashiers check back and cancel the deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Extended full faith and credit to American express for a consumer credit transaction and was denied allegedly for cancelled accounts in absence of verifiable tax forms. Notice of cancellation was accepted for value as verifiable acquittance by Amex and requested reconsideration pursuant to the Equal credit opportunity act. denied Equal Credit. Faxed over supporting documents titled notice of credit discrimination liability to XXXX delivered on XX/XX/22 and have not received consideration in accordance to Consumer Protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14
Company: AAS Debt Recovery, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
AAA DEBT RECOVERY INC/AAS Debt Recovery Inc POB XXXX XXXX, PA XXXX I have an account that needs to be deleted it is not accurate it is listed as owed when it was discharged in Bankruptcy Chapter XXXX. Please remove this account from all 3 credit Bureaus it is in error. Please filing XXXX form.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Account information incorrect

Complaint:
According to my credit reports, in XXXX 2016 Portfolio Recovery purchased an account from XXXX XXXX showing {$380.00} as due. P.R.A. began reporting to the various credit bureaus some time after. For some reason, however, they are reporting the account to the bureaus with different account numbers. P.R.A. is reporting it to XXXX as account number " XXXX- XXXX '' and to XXXX and XXXX as account number XXXX. 

I get that P.R.A. is a debt buyer, and is not a credit bureau and simply makes reports to credit reporting agencies on the accounts it buys. However, the credit reporting agencies reflect the information that P.R.A. reports to it ; XXXX does n't simply make up an account number itself. It shows whatever account number P.R.A. reports. Because P.R.A. is reporting different account numbers to different bureaus, that means when someone runs a multi-bureau combined report where on me ( which happened recently ), where information from XXXX, XXXX  and XXXX XXXX is merged into a composite report, then the {$380.00} shows twice, for a total of {$760.00}. 

I have attempted to rectify this by disputing the accounts, but Portfolio verifies them as accurate and continues to leave its information unchanged. Am I to assume from this that the error is intentional?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
My husband and I purchased a 5th wheel RV thru XXXX XXXX XXXX in XXXX, VA and financed it with XXXX XXXX XXXX XXXX. When signing our paperwork, we noticed the dealer put the wrong address on the form and we corrected it in the office. Unfortunately the information he turned into the bank contained the wrong information and the statement went to the wrong address. When we didn't receive a statement I contacted XXXX XXXX XXXX to make sure they received our paperwork. After going thru several people since my address did not match my social in their records ( plus I had no account number since we never received a statement ), we made the needed payment, changed the information to the correct address, and were told all delinquency would be taken off the account since we were the ones who came forward to correct the information. One week later it appeared on my husbands and my credit report for being delinquent. When I called the bank I was told they could not remove it and that we would have to file a complaint with the credit bureau.

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 2019-04-03
Company: AMERICAN HONDA FINANCE CORP
State: KY
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:
At the end of the lease, we refinance the loan away from Honda financial. We no longer had credit with them. When taxes came due on the vehicle, the city of XXXX sent Honda financial a bill. This bill should have came to us. Honda paid the bill. They then started posting late credit payments on our credit reports for late payment to a loan that was closed. We attempted to resolve this with Honda financial. We reimbursed them the money they paid the city of XXXX and told them that we did not ask them to do that for us and did not agree to any credit terms for those payments. They are refusing to remove those late payments on our reports. Currently myself and my the co-owner of the Honda Pilot are showing a 30 and a 60 day late for XX/XX/XXXX and XX/XX/XXXX. we did not have a loan or credit agreement with Honda Financial at this time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-25
Company: Nelnet, Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I see 90 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation