BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-30
Company: Rent Recovery Solutions
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a Debt Validation letter to Rent Recover Solutions via Certified Mail on XX/XX/2021 and they received it on XX/XX/2021. I have not received any correspondence regarding my request to validate this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: Bread Financial Holdings, Inc.
State: VA
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 have a loan with CB/NY & CO and XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, CB/NY & CO and XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-04
Company: UNITED AUTO ACCEPTANCE
State: OK
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
United Autos keep reporting to the three credit bureaus that this account is open and due. This account was included and discharged in my bankruptcy in XXXX. The account was opened XX/XX/XXXX. This account is 7yrs and 9months old. This account should be removed from my credit report due to it being old and included in my bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XXXX XXXX XXXX XXXX sent a account to Portfolio recovery, and they put it on my credit report without notifying me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: RAB, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My office was contacted by XXXX XXXX of Rab Inc. ( XXXX ) in regards to a debt that was not associated in any way with me or my company. Mr XXXX continued to harass my office with threats of liens on my property until somehow finding my personal cell number at which time Mr XXXX began to harass me through text and demand I pay a debt of one of what he claimed was my tenant in one of my buildings. 

Mr XXXX continued to threaten to lien my properties if I did not pay the debt of which I had no knowledge, association or involvement.

My attorney contacted Mr XXXX and told him to stop contacting me. I also emailed mr XXXX a cease and desist letter to cut off contact to which Mr XXXX replied " I am not a consumer debt collector sir! 
I hold no obligation to the FDCPA '' Although XXXX  shows Mr XXXX as a debt collector he refused to abide by the FDCPA and denied it in writing. In addition Mr XXXX continued to threaten my property with fraudulant liens and would not stop contact. 

XXXX and mr XXXX are acting as third party collectors for a debt. The debt is in no way associated with myself or my company. The original debtor has agreed that they do not know why RAB is attempting to fraudulently extort me by using liens on my properties as threats.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: Blackhawk Network Holdings Inc.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
My employer sent me a gift amount approximately XXXX. in a visa debit card. I activated the card last week went to use it believe XX/XX/XXXX told it was emptied. Upon further investigation told multiple purchases made at XXXX by a person last name XXXX lives in NJ. I have filed a report with my prepaid center visa debit card. I have no idea how this could have happened but left feeling vulnerable. I believe I tried using the card at a XXXX XXXX before realizing the card is good for certain stores chains. Thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-30
Company: LEXISNEXIS
State: TX
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:
XXXX Report for auto insurance is showing false info that need to be deleted. Its coming up under reference number. 
XXXX @ XXXX. 

This is causing my auto insurance to be very high. 

Your help is appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08
Company: Alorica Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been getting a large amount of phones call from multiple numbers for wedt asset management ( only reason i know its them is i googled the number ) never leave a vm. When i answer the call it says please hold and transfers or is an automated system. Previously i have advised this company to stop call me on multiple occasions. I have no clue why they are calling as i have never reicived a notice in the mail from them. I want the harassing to stop!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
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 have a loan with PORTFOLIO, PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX  ) and PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, PORTFOLIO, PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX  ) and PORTFOLIO RC ( Original Creditor : XXXXXXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 ask that they have this investigate and have this account reported accurately and REMOVE the late marks as it is severely affecting my credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: PNC Bank N.A.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XXXX is an app embedded within PNC bank which allows you to receive or send money. I used this option thinking that it was protected from fraud since it's embedded within my bank. I was a victim of fraud on XX/XX/21 for the amount of {$1000.00} that I sent to XXXX XXXX using the email XXXXXXXX XXXX XXXXXXXX for the security deposit for the home I " rented ''. Then again on XX/XX/21 for two separate amounts, in the amount of {$1000.00}, and {$160.00} for the first month 's rent, pet fee, and electric bill. These transactions were part of a fraud scheme I encountered when trying to rent this home. I contacted both PNC and XXXX and was told that there is no fraud protection for this, and that that I could not file a complaint. I was then told to file a complaint online to try and recover my funds, and prevent my identity from being stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/XXXX, I tried to temporarily lift a security freeze online at https : //www.experian.comXXXX 

When I entered my PIN, the website said it was incorrect, even though I have an e-mail from Experian showing me my PIN at the time I initiated the freeze in XX/XX/XXXX. 

The website then said I could get a PIN reminder by uploading documentation. So I did that, on XX/XX/XXXX, but I have not received any acknowledgement that my request is being worked on, and I have not received the PIN. The credit card company I am applying to says my credit file is still frozen as of XX/XX/XXXX. 

There is no way to speak to a person at Experian by telephone, and there is no e-mail address to contact them. I think a company that is making a profit from my information should have a responsibility to allow me to contact them in this situation, in a method that is quicker than postal mail. 

Thanks. 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 2022-10-21
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: Information belongs to someone else

Complaint:
I HAVE DISPUTED THE FRAUD ACCOUNT WITH THE CREDITOR, THEY REMOVED THE ACCOUNT, BUT STILL SHOWING IN MY REPORT AGAIN. 

XXXX. XXXXXXXX XXXX XXXX OPENED XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX OPENED OPENED XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: HW Holding, Inc
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
For the past 3-4 months I have noticed on my credit a amount owed to Hunter Warfield LLC of {$2400.00}. I have filled multiple disputes with the credit bureaus most recently XX/XX/2020 XXXX. The company has never informed me of accurate information that would make me responsible for this account. There is no documentation, bills, or any information that has been provided to me. This is not my account/responsibility and this should be removed from my credit reports. This continues to cause significant challenges to me and my credit in a time of pandemic, preventing me from obtaining services needed.

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 2020-08-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
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 have a loan with PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  ), XXXX. XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ), and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ), XXXX. XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ), and XXXX   with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Hi, I noticed back in 2017 I had no inquiries and now when I check my credit report they have reappeared back on there, which has caused my credit score to drop. That is a violation of the FCRA and are inaccurate and invalid.

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 2021-03-25
Company: Experian Information Solutions 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:
XXXX is reporting my student loan late for XXXX and XX/XX/XXXX. 
1. ) I was in school so my loan should have been in deferment. 
2. ) I received ZERO notification from XXXX during the first 90 days of the pandemic. No Phone Call, No Email, No US Mail. 
3. ) The Cares Act signed into Law XX/XX/XXXX States that XXXX XXXX XXXX can not report late from XX/XX/XXXX and XX/XX/XXXX 2021

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 2018-07-30
Company: Santander Consumer USA Holdings Inc.
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I received a late report on my credit, I contacted the company Santander consumer USA they indicated that I cosign for my sons car which I did and he was rejected. 
Then I requested copy of the contract which I received on XX/XX/2018 I reviewed and my signature is not my. So I ask to speak to the fraud department and the have send me a form to fill. 

I never received notices that my son was late on payments I would had a conversation with him, I believe that XXXX XXXX falsified my signature and that is fraud. 
I have a E-Mail send by my son to describe what happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank of america froze my " regular '' bank accounts. My checking and savings due to the fact that clients of mine used their " EDD bank of america '' cards to make payments to me ( because it's all they have XXXX Bank of America with the urging of Edd is saying they don't like the deposit type and saying that when the transfer comes in it has my clients name on it ( saying payable to them ) but that is untrue. It's payable FROM them to me that's why their name is on it. How else am I supposed to know who payment came from? They have lumped me into the legitimate fraud cases and it's not true. They've given me no recourse to prove these are legitimate. They plan on closing my account and keeping all my money and it's very obvious looking and reviewing my account that this is not fraud. Please help me. It's all I have. Sincerely, 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 explanation
Consumer complaint received 2020-08-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
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 have a loan with PORTFOLIO, PORTFOLIO RC  ( Original Creditor : XXXX XXXX XXXX ) and PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX  ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, PORTFOLIO, PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX  ) and PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
There is one account on my account and XXXX inquiries on my experian account I have not approved used or signed for these I dont know what these are I need them removed asap!!! 

ACCOUNT XXXX XXXX - Acct # XXXX XXXX {$450.00} Opened XX/XX/XXXX Inquiries Creditor Name : XXXX XXXX XXXX  XXXX Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : US SM BUS ADMIN XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXXXXXX XXXX Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX  XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry

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 2018-10-05
Company: Diversified Consultants, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On Sunday XX/XX/2018, I received an alert from a credit monitoring tool 'XXXX ', indicating a collection account has reported unpaid on my credit report causing my score to drop 40 points!! The collection account was Diversified Consultants who was servicing the account for XXXX cable. I called the company Monday morning to find out more information as I had not received a notification in any form from Diversified Consultants that they were collecting this debt. They shared with me the account is {$240.00}!!! I am in the process of building a home and I'm working diligently to increase my score and not allow for anything to decrease the score. This debt was not something I was informed about prior to them reporting to the credit bureaus as I would've made sure the balance was paid. I moved in XX/XX/2018 and submitted a change of address in XX/XX/2018 ( attached ). If Diversified Consultants sent notification of this debt to the old address ( XXXX XXXX XXXX XXXX, Oh XXXX ) it would have been forwarded to my new address ( XXXX XXXX XXXX XXXX, OH XXXX ) or returned to sender. I confirmed Diversified Consultants had the old address on file and I provided the new address to them during our conversation Monday XX/XX/2018. XXXX was aware of my relocation and had my new address as I had to physically drop off my cable and internet equipment at their office on XXXX XXXX XXXX XXXX, Ohio..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-02
Company: Experian Information Solutions Inc.
State: LA
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 submitted my complaint of XX/XX/XXXX and received a response that all permissible inquiries, shall remain on the credit report for two years. These are not permissible, " I have not applied for any account with the companies listed below '' These are not authorized hard inquiries. 

Never applied for and I never authorized, to have my credit pulled. Experian credit bureau : XXXX XXXX credit pull on XX/XX/XXXX ( bank credit card ) XXXX XXXX XXXX XX/XX/XXXX ( finance reseller ) XXXX XXXX XX/XX/XXXX ( Auto finance ) I am XXXX XXXX and have never had a drivers license in my entire life! I do not drive. Factual Data XX/XX/XXXX ( finance reseller ) XXXX : XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ( bank credit card ) XXXX : XXXX XXXX XX/XX/XXXX ( bank credit card ) XXXX   XX/XX/XXXX ( credit card ) I also have a address at 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 explanation
Consumer complaint received 2022-08-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/2022 I got a series of emails from Bank Of America stating an account had been opened in my name. These emails were true emails from Bank of America. I have never requested or banked with Bank of America. I tried to contact to close it but could not get anyone on the phone.

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