BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-30
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: Investigation took more than 30 days

Complaint:
XX/XX/2020 Documents were sent to the credit reporting agency. Regarding accounts that were not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23
Company: SYNCHRONY FINANCIAL
State: NY
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:
i had a hard inquiry. I would like to remove the hard inquiry i didnt apply for on my report with 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 2018-11-11
Company: BANCO POPULAR DE PUERTO RICO
State: PR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Banco Popular de Puerto Rico 1. Closed my applications due to its own excessive delays 2. Delayed approving or denying my application 3. Failed to alert me in time about incomplete application 4. Offers a Loss Mitigation Trial Period if I desist from my counterclaim.

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 2020-04-30
Company: Midwest Recovery Systems
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
MIDWEST RECOVERY SYSTEMS ( XXXX XXXX XXXX ) a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$890.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2020 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Phoenix Financial Services has been harassing me with phone calls on debt that is not valid and debt that is past the statue of limitations in the State of Florida which is 5 years. They are reporting negative information on my credit report and attempting to make the debt seem like it just became delinquent which is making it appear like I am unable to pay my bills when my lenders review my credit. 

Phoenix Financial Services is violating [ 15 USC 1692e ] ( 2 ) The false representation of -- ( A ) the legal status of the alleged debt and ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.

Phoenix Financial Services started reporting negative information to my account at the three credit bureaus. I have submitted a debt validation letter via certified mail and phoenix financial has not responded. I have disputed this invalid debt that is past its statue of limitations by these debt scavengers and they refuse to delete the negative information from the credit bureaus. Phoenix Financial Services has cause my Credit Score to drop my XXXX points and I will take legal action if this invalid and zombie debt is not deleted from all three credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-11
Company: GMA Investments, LLC
State: OK
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
My account with XXXX  was sold to XXXX XXXX XXXX ( XXXX ). THEY turned the account over to XXXX XXXX for collection. XXXX XXXX contacted me at work and me telling them that I could not speak to them at that time, proceeded to call right back. After work hours I called them back ( Ms XXXX ) and requested that written documentation of the debt they were attempting to collect be mailed to me. I was told that no they were not going to mail me anything. I owed the debt and they were proceeding to verify my employment to sue me. She then hung up on me. I called right back and asked to speak to a manager. Again I was told there was no manager available and that they were not going to mail me anything but proceed with legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: CMRE Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
CMRE are reporting a collection account on my credit. I paid the bill to XXXX XXXX. XXXX XXXX sent a letter to CMRE telling them that my bill is paid in full to them and my balance is XXXX. They asked them to remove the collection from my credit. CMRE stated to me that they are not going to remove the collection from my credit because they felt the original creditor XXXX XXXX should have charged me more money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XX/XX/XXXX, Equifax send me an incorrect report that they REFUSE to correct. Confirmation # XXXX. 
1. I DO NOT want my social security and/or my date of birth to appear on my report ever!!! 
2. Remove all old addresses except my current : XXXX XXXX XXXX XXXX # XXXX XXXX, AZ XXXX. 
3. Update my payments for XXXX XXXX XX/XX/XXXX and XXXX XXXX on report and with all credit bureaus. 
4. REMOVE XXXX XXXX It says credit bureau dispute. I never authorized this dispute on XX/XX/2019. REMOVE AT ONCE!! Lacing my credit report with false entries is illegal-Federal law FCRA. 
5. Remove all old inquiries. 
6. Cease trashing my credit report. 
7. Remove my Equifax inquiries. Equifax causes these inquiries for their incompetence. This is illegal too. Cease!! 
8. Send me an updated credit report today.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX, 2019. Trans Union dropped my credit score by 23pts because I paid off the entire remaining balance of {$870.00} on my loan with XXXX XXXX ( XXXX ) XXXX. Instead of my credit score going up for paying off the loan they dropped it 23pts because the account was now closed. I have been taking pain staking efforts to stay out of debt and paying off debts and Im getting punished for not owning enough money to enough debtors. This is backwards and wrong. 

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 2020-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
During a routine examination of my Consumer Credit report with XXXX, I found a new collection account listed as XXXX XXXX XXXX for an alleged XXXX XXXX XXXX  debt. On XX/XX/XXXX, I opened a dispute via TransUnion online account page. 

Upon contacting XXXX XXXX service personally they could not provide me with any information as to the ownership of this account or documentation that it was my debt. They only offered high-pressure tactics to collect the alleged debt. They offered a partial settlement but no proof of ownership. Therefore, I disputed with the three major credit reporting agencies. 

The account was not verified with XXXX and the collection was removed from my consumer report. However, on XX/XX/XXXX I received an email stating that the collection account listed on my report with Transunion has been " verified ''. 

I have been a customer of XXXX XXXX XXXX since XXXX and still maintain an active, current account with active wireless service. XXXX XXXX XXXX shows no bad debt on my account. XXXX XXXX XXXX has drafted my checking account monthly for my monthly invoices and continues to do so. 

I feel like this is extortion. I have never received any notice of collection, any XXXX letter, I am unable to be provided with any proof of this debt being mine. However, without evidence, this bogus account continues to remain on my consumer credit report as if it is factual in turn costing me money in increased interest rates and denial of credit extension. This practice violates the law. Transunion states this debt is verified but can not provide me with any means of verification. I suspect no verification process was completed.

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 2020-04-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
As of XX/XX/2020 we have closed out an IRA CD at Capital One Bank. This account was open 30 years ago with XXXX XXXX XXXX. During this time, I changed my legal name. When I closed the account, they put the check with my old name ( no longer in any legal record ), which is no longer a valid person. They would not make the check to my current legal name. I provided the bank my official court document stating the legal name change and my driver 's license with my current legal name. Unfortunately, due to COVID-19, the branch was unable to open a new IRA CD for me to rollover the funds, so they informed me to open the new CD IRA account online. When I tried to open this IRA CD Online, the computer kept declining and saying unable to open. 
When I called customer service, I was informed I had to open an IRA Savings account online first, then mail the deposit to the IRA department at Capital One, as this deposit can not be done at the branch. After the check is deposited into the IRA Savings, then go online and open an IRA CD and transfer the funds over. 
This check was mailed on XX/XX/2020, included with the check was the IRA Deposit form, copy of legal name change, account to be deposited into, and I endorsed both my legal name and previous name on the back of the check. The check was received on XX/XX/2020. I called customer service on XX/XX/2020 to see why the deposit was still not in the savings account, they informed me it is because an additional form was needed and the name did not match the account that was opened online. Immediately that day, I filled out the additional form needed and emailed it to XXXX. They also requested me to send them the court document stating the legal name change. 
I still have not received any response as of XX/XX/2020. 
Not only did they misplace my legal name change document which I attached to the check, but the deposit is still not in the account and it has been over 1 week. 
I am missing interest that is to be earned on the funds that I am rolling over with. In addition, due to me not being able to deposit this check at the branch, I was required to overnight the check to the bank, costing me {$26.00}, as I do not want the IRS to penalize me for early withdrawal, when this is supposed to be a direct rollover. 
I called Capital One repeatedly to follow up on my deposit, and I requested that a supervisor call me back on Monday, XX/XX/2020. They still have not returned my call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: Experian Information Solutions 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:
I submitted a letter to the XXXX Credit Bureaus to remove these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-10-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. These accounts are inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern, and I requested a complete payment history of these accounts for me to review the exact date on which the collection was posted. There was definitely an error on their part. The bureaus are condoning illegal behavior and willfully in violation of FCRA. REMOVE THE FOLLOWING ACCOUNTS FROM MY REPORT IMMEDIATELY : PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX A ) XXXX {$3400.00} PORTFOLIO RC ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  ) XXXX {$2700.00} PORTFOLIO RC ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX {$1400.00} XXXX {$2700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
1. We were in the process of looking to purchase a Used XXXX  XXXX XXXX at XXXX XXXX in XXXX, FL. After going through the process and agreeing upon a final monthly payment amount. This is where it went downhill because the dealership is advertising the vehicle for {$31.00}, XXXX ( see attached online ad ) however when they presented the loan offer to us they marked the car up $ XXXX. When I asked them how did the car price increase from {$31000.00} to over $ 41k. The car salesman said it was based off of certain restrictions. I advised him that the online advertising does not state in order to qualify for this price you must meet certain requirements ( which is deceiving and misleading to consumers ). Not to mention, they claim they are paying your trade in off but in reality they aren't because they are adding the trade in value back into the loan at the back end of the loan. Therefore, I feel as though they are violating UDAAP and false advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: EQUIFAX, 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:
XXXX- XXXX XXXX , XXXX  XXXX XXXX, XXXX XXXX and XXXX  XXXX XXXX XXXX  violated my 609 rights by reporting incorrect information to XXXX  regarding my credit file. XXXX  further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX  -XXXX XXXX XXXX XXXX XXXX, XXXX XXXX reported that I applied for credit In which I never applied for. They violated my rights to have fair and accurate Information to my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my address, phone numbers, and names corrected on my report is violation on my consumer protection rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
This is a follow up of complaints XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX. 

Yesterday when I went to the Bank the person whom I interacted with Mr.XXXX   said the deposit of the cheque will be put on hold. However today, I see that the cheque status as " Return of posted check '' XX/XX/XXXX Show additional information for activity type credit XXXX RETURN OF POSTED CHECK / ITEM ( RECEIVED ON XXXX ) ELECTRONIC TRANSACTION activity type credit status type icon cleared Cleared. Select to mark activity type credit XXXX RETURN OF POSTED CHECK / ITEM ( RECEIVED ON XXXX ) ELECTRONIC TRANSACTION as Reconciled XXXX XXXX They also started the transfer that I requested to stop. They deducted " {$3.00} '' from my account on XX/XX/XXXX. 

They put a freeze on my ability to pay bills. 

They are overdrawing my account to transfer money out of a closed checking account which does not have money. 

This is the most atrocious scam I have ever encountered. As a citizen of this country, I am not sure why we tolerate practices like this. 

Hold Transaction layer PENDING DEBIT/HOLD ON XX/XX/XXXX activity type debit status type icon hold XXXX XXXX XX/XX/XXXX Show additional information for activity type bank charge XXXX External transfer fee - 3 Day - XX/XX/XXXX Confirmation : XXXX activity type bank charge status type icon cleared Cleared. Select to mark activity type bank charge XXXX External transfer fee - 3 Day - XX/XX/XXXX Confirmation : XXXX as Reconciled XXXX XXXX XX/XX/XXXX Show additional information for activity type debit XXXX FORCE POST DEBIT For an Overdraft Protection Transfer Posting Da te of ... 
activity type debit status type icon cleared XXXX. Select to mark activity type debit XXXX FORCE POST DEBIT For an Overdraft Protection Transfer Posting Da te of ... as Reconciled 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 monetary relief
Consumer complaint received 2019-06-23
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 XXXX XXXX sent all the proper paperwork on XX/XX/XXXX to the credit bureau to have the fraud accounts remove from my credit profile.

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 2019-09-03
Company: ERC
State: PA
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:
I thought to make a payment with XXXX XXXX where they told me to call the collections and I did and they both gave me the runaround when I called to make a payment they had lower the payment for me and I told him give me a couple hours to call back with my bank card and then Hey call back and they gave me another story that I had to pay higher amount when they clearly gave me a reference number of me paying XXXX instead of the XXXX so I attempt to try to make the payment and they did not except it because they change their mind about a different payment of me paying more when they clearly told me if I pay for XXXX everything will be cleared and they totally lied to me Im very upset because it couldve been all paid off but they lied to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: Sarma
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Upon checking my credit report in XX/XX/2018, I noticed a collection account names SARMA Collections Inc, stating I owed {$460.00}. Not only did I not receive official notice in the mail, On XX/XX/2018, I sent a certified letter disputing the account until they could verify it. I have delivery /confirmation for the letter dated more than 30 days ago. They have not responded with verification, nor did they let the 3 credit reporting agencies know I was disputing/ this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: Kashia Services
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I borrowed {$570.00} originally, have been making weekly payments of {$86.00} for 7 months, but my payoff is over {$600.00}. That is not the process that was explained to me very briefly and in extremely broken english.

Company response to consumer: Closed with explanation