BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-27
Company: Amsher Collection Services, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Amsher collections tried to charge my bank account on XX/XX/2020 for {$250.00} without any of my permissions. I can not believe this company would try such an action. Im filing this complaint so no more action is taken upon by this company to me and that this is taken care of as soon as possible as I will file a complaint and sue this company!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: SUNRISE CREDIT SERVICES, INC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I do not have a debt with this company. I have sent in multiple debt verification letters to no avail. I demanded that they stop reporting invalid information on my credit report and they continue to do so.

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 2020-04-27
Company: PNC Bank N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/XXXX, I was made aware that Pnc Bank had placed a hold on my checking account for {$5000.00}. This was a request by an attorney 's office due to a judgement. Unfortunately, this made my account negative over {$4000.00}. I have been off work and was tested on XX/XX/20 for the covid-19 virus so having this hold on my account is very stressful at this time. I have made arrangements with the attorneys office for a settlement of {$1000.00} to come out and the remaining to be released immediately. This was faxed to Pnc Bank on XX/XX/20 but the hold is still on my account. I'm requesting help to get this hold removed immediately. I'm also requesting information as to if this was legal to place a hold during this time of pandemic in our country. As you can imagine, this has made it even much more difficult to care for my family. It has also cause a great deal of additional stress for me and my family while I wait for the results of my testing. If you can please help me in anyway, I would greatly appreciate it. 
Thank you. 
XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
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: Account information incorrect

Complaint:
On XX/XX/XXXX experian updated my card balance when my closing date isnt until the XXXX of XXXX as a result my score dropped drastically causing major inconvenience in my families life as we are applying for a new home.. I want my score readjusted to the prior score before the illegal update or legal action will be taken company does not have 30 days seeing that this is a timely matter that has a drastic impact on my families livelihood

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 2018-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
XX/XX/2018 was notified that my account needed further verification to sustain the fact that myself the the secured account holder was truly the person who posted money for a Secured credit card this after receipt of monies sent with all proper Id to open the account and use has been continues for over six months .I complied and sent what was requested that was driver license social security card and utility bill this was on XX/XX/2018 as well it was confirm progressive received via fax .No further response until received a letter indicating documents had not been received therefore the account is closed.I called spoke with the initial representative who saw documents had been received and kindly argued the case to her supervisor on my behalf, she had become flustered and directed me to speak with the supervisor who i though would see the error and correct it.He did not but informed me that i should have gotten a police report or disputed a bureau for something i had nothing to do with.

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 2021-05-27
Company: EQUIFAX, INC.
State: CA
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:
On XX/XX/XXXX, I borrowed {$5000.00} from XXXX XXXX XXXX, XXXX XXXX XXXX. This money was borrowed through a " XXXX XXXX XXXX' where I gave the title to my paid-in-full vehicle, a XXXX XXXX XXXX XXXX, to the lender as collateral for the money borrowed. The loan number was XXXX. 

After being 20 days late on my first payment, my vehicle was repossessed by XXXX XXXX XXXX XXXX in XX/XX/XXXX. I could not get my belongings out of my car because of a fee charged by the impound lot and an inability to get to a destination that was more than an hour away from my home because I no longer had a vehicle. My vehicle was sold at a private auction that the lender informed me I was not permitted to attend. 

Nearly one year later, a process server left documents with my former employer indicating that XXXX would be taking me to XXXX XXXX XXXX to recover a deficiency balance, claiming that the amount XXXX sold my car for was less than the balance owed. I attended my XXXX XXXX XXXX trial on XX/XX/XXXX. This trial occurred at the XXXX XXXX XXXX California XXXX XXXX of XXXX, at the XXXX XXXX XXXX XXXX XXXX XXXX. The relevant case number is XXXX. The judgment entered on this case by Commissioner XXXX XXXX was that the defendant ( myself ) did not owe the plaintiff any money on the plaintiff 's claim. 

I received a letter dated XX/XX/XXXX, from XXXX, stating that my account had been satisfied, specifically, " the above-referenced loan has been paid in full. '' The Titles Department signed this letter. 

Despite all the evidence to the contrary, XXXX persists in reporting my account as derogatory to the credit reporting bureaus, which has caused me much financial trouble in the form of inflated interest rates, an inability to secure an auto loan from numerous financial institutions. The impact translates into thousands of dollars I have wasted paying increased finance charges because of derogatory reports furnished by XXXX that they refuse to revise, despite evidence to the contrary. 

I have filed disputes with XXXX and Equifax regarding this matter. XXXX  amended but did not correct the entry on my credit report. As of XX/XX/XXXX, Equifax continued to report my account as a " charge-off. '' I tried to file another dispute with XXXX  today. I was informed that XXXX  does not need to review my dispute further because they have already done so. XXXX persists in reporting the status of my account as : " paid in settlement. {$4500.00} written off ''. 

Even if there was legitimacy to the claim of XXXX, {$4500.00} was never written off. I had borrowed {$5000.00} from XXXX. Despite the failure to sell my car in a commercially reasonable manner, my understanding was that the vehicle was sold for more than {$490.00}. 

Please assist me with this situation. It has been plaguing me for far too long, and any help is appreciated. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: ALLY FINANCIAL INC.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Ally financial has been calling me in an attempt to collect my aunts debt. The first time I told them that was illegal and they continued to call me. When I called them to put an end to the harassing calls they said well maybe you can just talk to your aunt to get her to pay her bill. This is the exact thing I was calling them to tell them I wouldnt do.

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 2021-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
There are two " hard inquiries '' on my credit reports. 
They are from : XXXX XXXX dated XX/XX/XXXX and XXXX about the same date. 
Someone is trying to get credit cards in my name. 
I have not applied for these cards. 
The hard inquiries have lowered my crdit scores. 
They will stay on my credit reports for two years. 
I am trying to buy a new vehicle and these inquiries have lowered my score to where I now may not qualify.

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 2020-11-09
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX is reporting multiple lates on a current account with the credit limit of {$300.00}. They have reported to the credit bureaus late payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and has not supplied any proof to me. There is no proof of documents from the creditor or the credit bureaus. I have yet to hear back from the credit bureaus after requesting a REINVESTIGATION. It has been over 90 days since the initial dispute. By law, the maximum time to respond is 30 days for a re-investigation.

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 2018-06-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
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 requested that Portfolio Recovery ( PRA ) disclosed the date of last activity on the account from the Original creditor. The PRA can only report the account 7 years from the date of last activity. PRA have exceeded the statute of limitation in my state. I am simply asking the PRA method of verification as how PRA is determining the date of last activity. I am request the last day of PRA credit reporting as determined by FCRA. PRA wil not disclose or validate the date of last activity. I want to settle this account if is completely validated. I am a disable on a fixed income.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: ERC
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Enhanced recovery Is reporting TWO accounts that have expired due to the Statute of limitations of 7 years, Fraudulently saying one became delinquent in XXXX and another in XXXX. 

The information obtained are from my credit report as they have made NO attempt at communication, including a debt verification. Nor have they responded to my Debt verification request. 

The accounts are XXXX XXXX XXXX  : XXXX Both accounts are from XXXX ( first delinquency ) They have indeed received the Verification request as they just again updated the status to owed and due as of XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/XXXX I received my checking account statement from BMO Harris Bank and noticed my account had a XXXX balance and that BMO Harris had assessed a " Service Charge '' of {$1.00} and upon reviewing previous statements discovered that they had recently assessed maintenance fees depleting the account of its nominal balance. I called BMO Harris on XX/XX/XXXX and the first person I spoke with said they had changed the terms of my account and that now I would be assessed a service fee but if I chose a different kind of checking account she would credit all of the service fees back to that account. When she tried doing this, she discovered that BMO Harris had unilaterally closed the above referenced checking account and  that because it was closed she could not credit back the money BMO had wrongly taken from my account ( despite her willingness to do so but for the account being closed ). She then transferred me to " XXXX '' who told me that there was no way to get my money back. When I asked him for the names and addresses of BMO Harris ' regulators he said that he did not have that information to give out. He also said that there was no one for me to talk to about getting my money back. The first representative did tell me that my XX/XX/XXXX bank statement disclosed that BMO would start charging fees ; however, in describing the new checking account she was going to try to get me in, she said the new account did not have " hidden fees '' or " hidden terms '', thus acknowleding that BMO Harris did in fact hide the fees that they were going to start assessing the account they subsequently closed after they drained the money out of it.

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 2020-11-09
Company: Netspend Corporation
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
On XX/XX/XXXX I received a letter in the mail from my prepaid card, Netspend stating that I had been overcharged monthly fees and as a result they had refunded the difference of the overcharges on XX/XX/XXXX to my card account. I checked my card account, that had been inactive since XXXX and found no refund had been issued. I was in fact charged {$9.00} a month, even though their policy states the monthly fee is reduced to {$5.00} when you have at least $ XXXXmonth in direct deposits, which I did as my payroll was direct deposit to this card account. 
I have made at least five calls to Netspend in an attempt to find out where they issued the refund. The company has told me multiple times they have " escalated '' my issue and I would receive a call back within 24-48 hours. I have never received a call back from anyone. When I call to follow up, I am clearly being given the run around. I have been put on hold for 90 minutes. I have been told the letter is an email scam, however I received the letter via USPS, not email. I have been told their Global Support team reviewed it and came to the conclusion I was not due a refund, despite receiving a letter stating the opposite from their corporate office. Today was my final attempt to try to resolve it with the company directly. 
I did not initiate this refund issue, Netspend issued by XXXX alerted me to the error and are claiming they sent me a refund. I stopped using this card because this company 's customer service and policies caused me so much frustration. I also know the FTC had to get involved with other issues involving Netspend in which they helped consumers receive refunds. I'm unsure if my issue was part of that arbitration.

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 2021-10-25
Company: Experian Information Solutions Inc.
State: FL
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:
If this account with XXXX XXXX was closed in XX/XX/2020. How is it possible to report the account charge offs monthly after it was closed?!! Thats a violation Im requesting removal of account XXXX XXXX have removed account except Experian

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 2021-09-16
Company: Rocket Mortgage, LLC
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:
I was contacted by a Rocket mortgage company to just get some general information about what might be needed if I decided to try and get a home. I was not looking to apply or look into my credit just wanting information. The gentleman never asked me if I was ok to run my credit and placed me on hold letting me know he was going to run some figures to give me some information and he ended up running my credit score which I never authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Numerous ongoing unauthorized charges from XXXX XXXX and XXXX XXXX. I have sent 4 letters to Capital One, they reverse the charges, but then it appears on the next bill as a " transaction rebill ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: Social Finance, Inc.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
sofi promised {$75.00} bonus for getting a {$500.00} or more direct deposit. I got ad driect deposit for {$500.00} on XXXX yet the bonus did not credit

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Borrower is able to reinstate the loan and has asked Ocwen for a 30 day extension but Ocwen is refusing. Borrower does not want to file BK because he knows he can reinstate but just needs a couple.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: BBVA FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
On XX/XX/XXXX I responded to a letter I received in the mail from credit card company BBVA about completing a balance transfer. I agreed to a disclosure for a balance transfer. The next day I received an offer from another bank with an even better offer. On XX/XX/XXXX I called BBVA to find out if I could cancel the transfer. I was told by the representative that my application was never submitted and I don't have to worry about the account because nothing was processed. They advised me to contact customer care through the website to inform them not to process the application just in case I was worried and wanted to make sure the application wouldn't go through, but said it wasn't necessary - however I did. I moved on to the other bank, where I opened an account and did the balance transfer, where I agreed to pay their fee. A few weeks later I get a billing statement from BBVA. I was confused. I call back and they tell me that the balance transfer did take place. It is not XX/XX/XXXX and I've been going back and forth with BBVA about this issue since. I was apologized to numerous times and told that the issue would be resolved. I was promised a call back from an agent at least 4 times, if not more, and never did an agent return my call. I had to constantly take the time to call back and re-explain the situation to a new agent. A ticket is finally open and the result is that I owe the balance transfer fee because I agreed to this. And they justify this based on my phone call on XX/XX/XXXX. However, if they listen to the call on XX/XX/XXXX they will hear their agent tell me the balance transfer was never processed. If he hadn't told me this I would have never moved onto the other bank. I now owe two banks the balance transfer fee, which is over {$400.00}! I am extremely upset!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-09
Company: Radius Global Solutions LLC
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My identification was stolen and used a the hospital

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 2018-07-11
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
CBNA allowed a credit card to be opened in my name as a result of identity theft. My credit file was compromised as a result of the XXXX  Data Breach, and many accounts were opened in my name with out my permission or authorization. I have contacted CBNA about this matter and have never been allowed to speak to anyone. Every time I call I have been told that if I did not open the credit card that they would not be able to speak to me. This has been going on for months and they have this false information listed on my credit file. I have again notified CBNA as best I could by phone and I have mailed a letter into their coporporate office and received no response at all. This credit card was opened fraudulently and has nothing to do with me and I have never received or used a CBNA card.

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