BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-24
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:
XXXX XXXX XXXX is reporting {$620.00} on my credit reports. I AM GETTING READY TO SUE XXXX XXXX XXXX AND THE CREDIT BUREAUS FOR REPORTING FRAUDULENT INFORMATION ON BY CREDIT REPORTS I HAVE NEVER HAD A XXXX XXXX XXXX CARD OR ACCOUNT NEVER MADE ANY CHARGES ON A 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 2018-02-08
Company: CITIBANK, N.A.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I joined XXXX in XX/XX/XXXX and paid about $120 for their business account. I was told that if I didn't use the account that year, they would refund my purchase price. I did not realize I had also signed up for a Citibank Visa card who automatically proceeded to bill me for the next year (XX/XX/XXXX) for the same amount. I was out of town when the bill came and when I returned, I immediately went down to XXXX  and talked with the manager. After a couple of visits, he refunded the money I had paid in XX/XX/XXXX and I put that money into my checking account. He indicated that I didn't owe them anything as I did not renew any type of membership.I have not been able to convince Citibank that I don't owe them anything and have tried NUMEROUS TIMES to get this straightened out over the phone. To no avail! They believe I owe them (see attached bill). I cut up the credit card and the XXXX card in XXXX, I think, and returned them.I would like to get another XXXX account, but don't want another credit card, either. This needs to be straightened out before I even try to do that.

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 2020-07-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Looking over my credit report and noticed there was an account that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Account listed below : CAPITAL ONE BANK USA NA # XXXX, XXXX  # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16
Company: ERC
State: OH
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 Company keeps re-aging debt. I had a sprint account that was closed in XX/XX/XXXX. Enhanced Recovery Company had the debt for a few years and has now " re-opened '' it on my credit report stating XXXX is 5 months ago ( XX/XX/XXXX ). I've disputed it and XXXX has stated that the debt is correct.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Trying to get the Fraud Alert turned off.

XXXX No Problem.

XXXX no problem.

Experian has been impossible. I have tried the Experian Internet site and when I submit my information the process is stopped. I have called Experian many times. When the computer asks me for my birth date, I type it in, then the computer simply says " Good Bye '' and hangs up. know my birth date. I type it in as MM/DD/YYYY

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 2019-10-22
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX   breach as well.

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 2018-03-29
Company: GreenSky, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A GreenSky Credit participating Merchant charged entire amount of GreenSky Credit Line ( {$9000.00} ) without notice, without a legally valid and executed Certificate of Completion, without Authorization to Charge and before commencement or completion of contracted scope of work and against my express request that it not accept said charge. Merchant submitted forged, fabricated and/or falsified documents to GreenSky in order to obtain said payment of {$9000.00}. GreenSky was put on notice of this falsification and continued to honor this change and debt. GreenSky has continued to attempt collection of this debt despite being provided with complete copy of Police Report, Sworn Complaint Affidavit and Dispute Forms. Legal counsel has contacted GreenSky relative to this matter and it still refuses to issue a credit of {$9000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
Company: Schreiber Law LLC
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I entered into an agreement with Schreiber Law to resolve a XXXX account. The agreement was for 12 monthly payments. On the XXXX payment, made in XXXX of XXXX, Schreiber Law applied the payment to another account in their office, which they allege is mine. 
Each month when I send the XXXX payment I include a letter stating that the payment is for the XXXX account and I include the last 4 digits of the account number. I never authorized Schreiber to apply the payment to anything else but the XXXX account, as agreed. 
I received email communication from XXXX XXXX at Schreiber, on XX/XX/XXXX stating " I am looking into this and should have an answer shortly. I think I know what happened and it was through no fault of your own. I will remediate this. '' That was the last communication I received from Schreiber on this issue that they clearly caused. I followed up with Attorney XXXX via email on XX/XX/XXXX and XX/XX/XXXX, with no response. I called Schreiber on XX/XX/XXXX and was told Attorney XXXX was not available to discuss the issue. 
Additionally, XXXX has continued to send me letters stating that I am behind in my XXXX payments. I have copies of each check that they have cashed each month. I have held up my end of the agreement and continued to make the monthly payment in XX/XX/XXXX, and I will be making the last payment of the agreement in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: EQUIFAX, INC.
State: OH
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:
Looking over my credit report and notice some hard inquiries that I do not recognize and are all over 90 days old Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25
Company: EQUIFAX, INC.
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 am writing to let you know that I am a victim of identity theft. My personal data was compromised and Fraudulent charges were included in my name without my knowledge and approval. I sent my dispute to this company on XXXX stating clearly that I was a victim of identity theft and pointed out the account that was affected. By law, this company is supposed to delete any fraudulent account from a credit report in approximately four days after they received the request. But to my surprise, this information is still showing on my report to date. 

For yet another time, this is the account with fraudulent charges : XXXX XXXX, Opened Date XX/XX/2010, Highest Balance {$600.00}, Limit {$500.00} I am looking at filing a lawsuit against this company if it fails to comply with the law Attached herewith are the dispute letters and proof I sent this company earlier.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: Consumer Portfolio Services, Inc.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have tried to get this account taken care of. The company hasn't responded to any of my requests. This vehicle supposably sold in an auction. The balance is false.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: Avant Credit Corporation
State: IL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
There is a problem with this personal installment loan account. I have been disputing this for well over a year and half. I was able to send over the paperwork request by the company in XXXX of 2020. I followed up recently. I called twice last week & once this week. I have been promised to get a follow-up call. I have never received one. I would like my files to be updated and acknowledged. It should not take this long for a fair investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 is incorrect

Complaint:
I am trying to rent an apartment but XXXX XXXX apartments is showing that I owe them for an eviction.  When I called them regarding this issue, they told me to contact XXXX XXXX ( collection agency ). When I called the agency, they have nothing on file. I have tried to call XXXX XXXX several times since then but continue to get the run around. The last time I called, I was told that they no longer manage the apartments. So now I am stuck and need to know how to resolve this issue. According to the collection Agency, I do n't owe anything. I have tried to dispute with Transunion Rental Screenings but they refuse to remove.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-08
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I HAVE JUST SIGNED A DEFERMENT WITH TRUIST MAKING MY LOAN CURRENT. I AGREED TO THE NEW MONTHLY PAYMENTS OF {$1700.00}. NOW I GET A BANK STATEMENT SAYING MY NEW MONTHLY PAYMENT OF {$1700.00} ADDING {$3.00} CENTS TO THE PAYMENT. IF THEY ADD THAT UP FOR 12 MONTHS, THEY CAN MAKE A GOOD PROFIT AFTER ADDING THIS AND THAT TO THE {$47.00}. WELL, I WANT TO CHANGE SO THAT {$1700.00} WILL BE ON THE BANK STATEMENT AND NOT THE {$1700.00}. CAUSE THAT WILL CONSTITUTE MISREPRESENTATION OF FUNDS AND BREACH OF CONTRACT. AND AS FAR AS THE XXXX XXXX, I GOT THIS DOCUMENT STATING ALL OF THE VETERANS AFFAIRS DOCUMENTS BEAR THESE XXXX EMBLEMS ON THEIR DOCUMENTS NOT XXXX XXXX. THIS IS THE VA SIGNATURE HEADING ON ALL APPLICATIONS AND PUBLICATIONS IT`S THE LAW. I AM SENDING COPIES OF MY DEFERRAL AGREEMENT, THE BANK STATEMENT DATED XX/XX/2022, AND ALL THE VETERANS AFFAIRS SIGNATURE MARKINGS. AGAIN I WILL NOT BE CONTACTING YOUR ADVOCATE CAUSE IT CONSTITUTES A CONFLICT OF INTEREST BEING A PAID ASSOCIATE.

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 2018-07-10
Company: Navient Solutions, LLC.
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:
This complaint is in reference to complaint number XXXX which has been pending for quite awhile. For about a week this case has been remarked as follows, " Account information disputed by consumer, meets FCRA requirements. '' In the first place, it is absolutely false that it meets FCRA requirements and in the second, I was never notified about their conclusion. This account was originally bought by a debt collector called " XXXXXXXX XXXX XXXXXXXX. '' It has been bounced around, named as as an " educational '' debt when it is a false charge for rent and damages to an apartment that happened to be owned by XXXX XXXX University. It is between a landlord and an ex-tenant not a school and a student. It has been inflated by thousands of dollars and reaged by over 3 years. There is no way I am going to pay a dime on this account under these circumstances. As previously stated, I broke a lease, they charged me for 2 months rent on a {$700.00} per month apartment then they tacked on damages that absolutely never occurred. I offered to have a payment plan with them only on the condition that would release my transcripts and now it turned into this. The actions of XXXX XXXX XXXX are 100 % illegal and I will not work with them. They need to remove this account from my credit report or I WILL hire an attorney.

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 2018-02-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
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:
bank of america card #: XXXX XXXX XXXXA purchase was made online for rental car insurance for the amount of XXXX.  The coverage was canceled by me, and an email was sent to me from the providor of the services that a credit would be applied to my account.The refund policy as explained on the sales order, is that refunds will be processed in full as long as it is canceled before date and time of service, which can be seen in the sales order and email.Bank of America is refusing to further pursue the claim stating I do not have a valid credit slip from the merchant.I have supplied them with a copy of the email stating the cancellation with credit, the return policy etc..  They refuse to issue me a credit

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 2017-08-08
Company: Real Time Group, Inc.
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company offered me a payoff settlement in 2015 for 50 % of the amount owed. The problem was they sent it to the wrong address so I never received the offer. They purchased a HELOC loan so I 'm not sure why they would n't have sent the letter to the address associated with the mortgage.
I tried to get a new settlement offer this year and they asked me to submit financial information and also complete their settlement application. Upon reviewing my application, they offered me a payoff " settlement '' for 99 % of the amount they say is owed, which is comprised of the original principal amount ( $ 44k ) plus an additional 50 % of the original principal amount in just late fees and interest. They purchased my debt from another company and have continued charging me interest even though the original contract states that I am to receive a statement for every period in which a finance charge is assessed. They have never complied in that aspect and are unwilling to work with me to help settle my debt.
In addition, they are reporting my account to the credit bureaus as a mortgage account instead of reporting themselves as a debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: ENOVA INTERNATIONAL, INC.
State: WA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I took out a loan on XX/XX/XXXX for {$2500.00} XX/XX/XXXX - I paid {$360.00} XX/XX/XXXX - I paid {$170.00} XX/XX/XXXX - I paid {$170.00} XX/XX/XXXX - I paid {$170.00} XX/XX/XXXX - I paid {$160.00} XX/XX/XXXX - I paid {$160.00} At this point I experienced a medical and economic set back and couldnt make payments. I had paid them a total of {$1200.00} and my balance has increased to {$3500.00}, {$1000.00} higher than the original loan. 

I called them on XX/XX/XXXX offering to settle the account for a one-time payment of {$2000.00}, they refused. I also offered a payment plan but they only offered me to pay the {$2000.00} back owed and then continue paying them monthly at a rate the balance isnt being reduced. I have reached out to them 3 times since to no avail. 

I find their lack of urgency to get this account resolved highly predatory and have now disputed the entire loan on Washington state legality. They continue to report me late and assess fees monthly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Company: EQUIFAX, INC.
State: NV
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 have submitted multiple requests to have inaccurate data removed from my credit report. I feel as if the credit bureaus is blatantly ignoring my request and doing a false investigation. I have submitted multiple written request and nothing is being done by XXXX XXXX   or Equifax. According to the FCRA section 611 paragraph 7 I have the right to demand a description of the investigation and all credit bureaus have refused me that right. I have disputed inaccurate items and yet the credit bureaus have said these items belong to me without providing proof. My Identity has been compromised reports have been provided to the credit bureaus along with a picture ID from me so they are well advised as to what is going on. I am sick and tired of this inaccurate information being reported about me that is not TRUE. I am asking that cfpb steps in and ensure that the credit bureaus does what's is right under the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
PORTFOLIO RC / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX  has asked that I pay a debt for that they can't show that I owe I asked the company to VALIDATE the debt ( not a verification ) have the debt be VALIDATED Show ORIGINAL instrument of indebtness, Show ORIGINAL copy of the TRUE BILL ( not a statement ) Show copies of Company Bank records showing account Offsets, Show original documents and/or contracts that Shows my Wet Ink Signature on them, PORTFOLIO keeps ducking the questions & facts Im asking of them. They state 3rd party I have sent a letter requesting the proof of the debt owed. This matter has not been satisfied or do I agree this company that has not VALIDATED the debt. Or any of the things I've asked I DEMAND THEY ANSWER THE QUESTIONS ASKED OF THEM

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Company: Paypal Holdings, Inc
State: NY
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:
Complaint involves an unauthorized transaction on my PayPal Account on XXXX-XXXX-18 in the amount if {$1100.00} ( {$980.00} EURO ). I recd a text from PayPal on XXXX-XXXX-18 @ XXXX XXXX  alerting me they discovered a suspicious transaction ( after making the payment ) and asking me if I authorized it. Less than 1 minute later I responded to the text advising I did not authorize it. On XXXX I called PayPal and spoke with a rep. who confirmed my complaint and advised I would not be responsible for the charge since I did not authorize the transaction/payment. Then I receive an e-mail stating they are denying my complaint based upon their investigation.

Company response to consumer: Closed with monetary relief