BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-02
Company: AFNI INC.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The bureaus are required to 100 % accurate with their investigations ' results but as far as the AFNI account is concerned with my credit report, the Bureaus have failed to comply with FCRA 's requirements. They failed to investigate the account properly which results in hurting the credit reports big time. Moreover, they have not submitted and signed documents or agreements that can validate their verdict. Most importantly, I have made my payments to the original creditor or furnisher. 
AFNI ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$470.00} AFNI  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$570.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31
Company: Total Card, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
To whom it may concern, I received a collection notice with the amount of {$2900.00} from a collection company called TOTAL CARD INC saying that they represent XXXX XXXX. With the file number of XXXX. They offered me to pay 9 monthly payment of {$98.00}. However, I used to have a XXXX XXXX account which was paid off on XX/XX/2017 according to my XXXX report. And the account with XXXX XXXX is XXXX. I also checked my credit report that shows my XXXX XXXX education account was paid off already. I had tried calling this company with no person picking up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: EQUIFAX, 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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

Please correct these accounts XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$9400.00} XXXX XXXX XXXXXXXX XXXX Balance : {$18000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-15
Company: Commonwealth Financial Systems, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This is a collection that has pained me for over 15 years way pass the statue of limitations I dont recognize this debt for the past 15 or so years I have been i have disputed this debt I get them off my credit they sell it to other creditors an get back on my credit and also change their names and code numbers this has been going on long enough its way past the statue of limitations I dont know what this debt is and I want the harassment to stop

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: PNC Bank N.A.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
With PNC Bank, I opened Virtual Wallet with Performance Select accounts on XX/XX/XXXX based on an offer I received in the mail and online after entering my zip code that if I opened online through the link and setup direct deposits of {$5000.00} within 60 days I'd get {$500.00} within 60-90 days ( see attachment 1 ). I met all the qualifications on XX/XX/XXXX ( see attachment 2 ) so should have received the {$500.00} bonus by XX/XX/XXXX at the latest but didn't. I followed up with PNC but they said I didn't meet the offer terms because I wasn't targeted, which is false because I received the offer in the mail, and also qualified online after entering my zip code and applying through the proper link. PNC also had a {$300.00} nationwide offer ( see attachment 3 ) that didn't require any targeting ( even though I was targeted for the higher {$500.00} offer through a mailer and through website qualification with my zip code ) that PNC also hasn't even given me. Clearly false advertising, consumer fraud, and unethical behavior from PNC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
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:
My student loans have been dismissed due to XXXX XXXX  XXXX   XXXX still has my account showing as a bad debt. As well as has the same account multipal times on each credit report. It also shows they no longer have the account but has not removed the information. They are double dipping at the very least.

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 2023-05-23
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: EQUIFAX, INC.
State: FL
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
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:
XX/XX/2019 XXXX Account Hacked BOA Credit Card used for digital software downloads {$490.00} Dispute filed with BOA and XXXX Unable to track where software was downloaded. 
Advised to contact police and file identify theft. 
Identity has been stolen to make an online purchase.

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 2020-07-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2020, I attempted to make a cash deposit of {$300.00} at an ATM at Bank of America ( BoA ) XXXX XXXX XXXX XXXX, XXXX, MD. 

The ATM miss fed the deposit causing the bills to be jammed in the machine and irretrievable. I called the 800 number on the ATM regarding technical issues, explained my problem and asked if a representative from bank can come assist. 

I was told by the Call Center representative for BoA not to worry, a credit would post to my account and claim process would be initiated. 

I informed the rep, some of the are " hanging out of the machine '' and someone will come along with a tool and pry them out. I took a photo ( See attached ). A credit of {$300.00} was placed in my checking account within an hour. 

I received two letters from BoA. The first dated XX/XX/2020, stating a temporary credit was place on my account. The second dated XX/XX/2020 stating " we didn't locate any cash for this transaction ... the temporary credit will be debits from my account.. '' As a result I am going to lose the {$300.00} their ATM destroyed because they failed to send a representative from inside the building out to address this issue on the spot. 

I contacted the number provided on latest letter and asked for copies of documents used in there research on this claim including the call log of my conversation with their representative. 

I was told by CSR, that I need a court order to received those documents which seems counter to both their " We are here to help '' segment of the second letter and in violation of 12 CFR Part 1005 ( Reg. E ) Subsection 1005.11 Procedures for resolving errors.

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: Sequium Asset Solutions, LLC
State: TX
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:
Company did not or has not sent me any notice of the debt. The debt popped up on my credit on XXXX/XXXX/2020 without notice. Upon investigation I found out that they are a 3rd party agency collecting on a debt that has been proven to be an identity theft account from Colorado XXXX University. I have never attended that university and the federal loans associated with it had been dismissed. This is a FRAUD account and illegal account and attempt to collect an illegal debt. Placing it on my credit without an opportunity to contest is illegal, attempting to collect an identity theft account is illegal. Remove this account from my credit and stop all collection attempts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: Choice Recovery, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Balance {$170.00} Opened XX/XX/2015 ( 2 yrs, 9 mos ) Account status Open Placed for collection Original Creditor Name XXXX XXXX XXXX DPM CHOICE RECOVERY INC XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX called this number yesterday to settle a lower amount and they hung up the phone on me this has been on my credit report since XX/XX/2015, after the doctor 's office said they would not charge me after I drove there in person to get this resolved they said all was taking care of months and months later I got a ding on my credit report, and I called them and they said I had to pay it. I have been mistreated by this error on there side

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I told the bank usaa that I was under some kind of credit card fraud and that someone stole my secure card and whole wallet which had all my important information in it and kept charging it and getting new cards to the point I owed {$2100.00}. I tried to exactly to them that it was fraud and I want it removed they did nothing. So I refused to pay and now they charged the account off some time around XX/XX/XXXX and sent it to XXXX collection agency and they have been harrasing me calling for funds that I don't believe I have to pay and my credit score took a massive dive because of this. I would like too have this removed. I'm working to work something out at this point ... .just to have it off my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my home through XXXX. Before the first payment 's due date they sold the loan and sent me a letter that Specialized Loan Servicing is now servicing my loan. It was not clear who the new lender is until I received a letter from XXXX XXXX. I contacted Specialized Loan Servicing and made the first payment on XXXX for XXXX payment so I can set up the account for bi-weekly payments. The account got set up for bi-weekly payments and the first bi-weekly payment was applied on XXXX, meaning they took the money from my checking account. But Specialized Loan Servicing is holding my bi-weekly payments in a " separate account '' until they collect the second payment. I contacted Specialized Loan Servicing few times about this and the last time was XXXX to ask why. They said this is their practice! XXXX XXXX 's letter ( attached ) also indicates that they do NOT accept partial payments. This was however NEVER disclosed to me by XXXX who refinanced my home. XXXX XXXX XXXX   practice is preventing me from accelerated pay off. My previous lender didn't have this questionable practice. Here 's my first question : Is this practice lawful? This could result in a class action lawsuit. My second question is, why XXXX never disclosed to me that my bi-weekly payments will be held in a separate account until the 2nd payment gets collected which defeats the purpose of bi-weekly payments? I was very clear to XXXX that bi-weekly payment is a requirement for me. They said it's supported. But this form of bi-weekly payment is a joke! The lender is basically preventing the me to make accelerated payments while it's collecting interest every day. Wow!

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 2023-05-22
Company: EQUIFAX, INC.
State: IL
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 taken steps to address the issue by bringing forward this false information. I have been victimized by identity theft, and your actions have resulted in significant stress and financial hardship. You have attributed products to me that I did not authorize or possess any accountability for. If you fail to address this complaint appropriately, I will be left with no choice but to initiate legal proceedings. These false and fraudulent entries on my consumer report have hindered my ability to afford the car of my dreams and provide for my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-17
Company: EQUIFAX, INC.
State: MN
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:
When you provide information to a CRA, you have obligations under the FCRA to ensure the accuracy of the information you furnish. As a rule, its illegal to report information that you know or believe is inaccurate. You have reasonable cause to believe that information is inaccurate if you have knowledge, other than allegations from the consumer, that would lead a reasonable person to doubt the accuracy of the information. FCRA Section 623 ( a ) ( 1 ) ( A ) You may be exempt from this requirement if you give an address for consumers

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: EQUIFAX, INC.
State: AL
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 police report, my identification and other supporting documents to provide that the accounts was not mine. A police report is on file with the company. Equifax removed the other fraud accounts but did not remove the fraud address and other fraud account. One account was reinserted without notification to me. Another XXXX XXXX stole my identity and they have picture of guy and police report. We have same name just different race. I submitted for fraud address to be removed and they did not

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
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 have provided a police report to remove a fraudulent auto loan that was reporting on my credit and it continues to be reporting even after providing all the needed paperwork. I was not aware of incident until recently when I had my credit report run to obtain a credit card. I was informed I had defaulted in my car loan account and was credit was denied. I tried to dispute it with the credit bureaus without any success.Today XX/XX/2019 I got a letter in the mail stating that I owed a very high unpaid balance on a car that was repo and sold by XXXX. This is not my car, i have not purchase a car thru XXXX in years, so I feel that someone is using my personal information to obtain credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: Receivable Management Group, Inc. (GA)
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Filed complaint XXXX with CFPB. 
Collection Agency provided a self-serving unresponsive response to said complaint. 

Collection Agency claims they have provided a written response to me indicating that the account in question had been " settled '' No response has been received. 

A settlement implies that I made some sort of payment when nothing can be further from the truth. 

Collection agency must provide a TRUTHFUL written response to me indicating that the matter was mistakenly sent for collection by XXXX XXXX. There was no settlement. 

Collection agency must also indicate whether or not they provided any information to any credit reporting agency with regard to me or the matter at hand ; and if they did, that they have caused such information to be withdrawn. 

The names of the credit bureaus are also to be provided to me.

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 2023-05-23
Company: EQUIFAX, INC.
State: WI
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:
Identification was stolen and XXXX  credit card with {$500.00} balance was obtained, under id theft. As a result there are several hard inquiries on my credit report. I was able to remove the reporting of the credit card from my report. The hard inquiries remain.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
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: Information belongs to someone else

Complaint:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX Balance XXXX {$540.00} ; 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 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 response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: Bread Financial Holdings, Inc.
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: Account status incorrect

Complaint:
I am writing to dispute the late payment reported by XXXX. My account number ends in XXXX and the last four of my SS # is XXXX. I have been impacted by COVID. Not only did I have the XXXX  and was in the XXXX for a long time, I lost my job. I spoke with XXXX and was advised My payments were deferred until XX/XX/2020. I get a credit alert and they have reported me as past due. This is a VIOLATION OF THE CARES ACT AND THE LATE PAYMENT NEEDS TO BE REMOVED! I WILL PAY THIS ACCOUNT IN FULL ONCE THEY CORRECT MY CREDIT REPORT AND REMOVE THE ERROINIOUS LATE FEES!!!!! I was told I was provided protections under the CARES ACT and they failed to adhere to what was offered to me! No one has called me from XXXX! I received no written notice or terms of the deferred payments/forbearance plan. All I had to rely on was what the Rep told me. I thought I was protected until XXXX. XXXX needs to make this right, AND COMPLY WITH THE CARES ACT AND FIX MY CREDIT REPORTING AND REMOVE ALL LATE FEES AND CALL ME ONCE THAT IS DONE!

Company response to consumer: Closed with non-monetary relief