BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-30
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint:
I have a {$1000.00} certificate of deposit at XXXX XXXX XXXX, XXXX, Fl. It is a Time Deposit automatically renewable, dated XXXX. XXXX, 2001 # XXXX. This bank is now a part of Wells Fargo. 

I sent a copy of certificate to appropriate XXXX Dept. They say they have no record and records are only kept for seven years. 

My Certificate states Automatically Renewable. It has no expiration date! I dont remember ever cashing it in. If I did, why would they let me keep the certificate?

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 2020-06-06
Company: CAVALRY INVESTMENTS, LLC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
When I was first contacted by the collection company I responded within the 30 days to verify the debt I also asked to stop the phone calls that were repeat it every day seven or eight times a day. After they received the notice I did not receive validation to show that they owned the debt. The repeatedly called using different numbers and when I answered they would hang up. Under the fair debt collection practices act what they have done is harassment and this is why I am filing a complaint. Also after sending them a debt validation letter they did not remove anything from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: BB&T CORPORATION
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: Their investigation did not fix an error on your report

Complaint:
I do not drive. 
Own a car. 
I have an identical twin sister, who purchased a car. The following companies have performed hard inquires on my credit report. Our social security number is very similar. However XXXX continues fail with resolution. When I contact these company they claim they do not have record of my account. And can not do anything further and its XXXX fault.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: AMERICAN HONDA FINANCE CORP
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX XXXX XXXX which represented American Honda Financial services, agreed that if I paid {$830.00} that it will update my credit report account status from " Derogatory '' to " Paid '' for acct # XXXX. The name of the rep was XXXX XXXX XXXX and spoke around XXXX for 15 minutes on a recorded conversation and have made the payment on that day. Today, I have recently reviewed my credit report and American Honda Financial s still reporting inaccurate information with reports of " Charged-Off '' - XX/XX/XXXX. XXXX  XXXX is still reporting account status " Derogatory '' instead of " Paid. '' After all attempts to communicate and file other reports they have repeatedly ignored my request to correct reporting information. This inaccurate reporting has put my credit in subprime category. I have settled this account as " Paid as agreed '' on my end and American Honda Financial has failed to honor their part. I feel I have wasted alot time through hours of phone conversations, mislead, and taken advantage of. I am seeking legal guidance on what is best action of approach. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: FC HoldCo LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
on XXXX I was advised that I could apply for a temporary mod ( temp reduction in payments ). That representative was very professional and detailed. She advised me that it would be approximately that following Wed XXXX before it will be reviewed. However, I was advised on XXXX that it has yet to be reviewed and I should call back. I called back I believe on XXXX and was advised that it was approved but was awaiting to be processed. Out of concern to avoid 90 day reporting I called back two days later and was advised that due to the changes, it has been approved however it has not been processed. I called back on XXXX only to be informed that it was denied. I then requested for a supervisor only to be told that their que was busy and someone will call me back. No one called, so I called today XXXX asked for a supervisor and was transferred to Mr.XXXX. He advised me that I was given the wrong information and the process was not fully explained to me. I advised him that was an area of opportunity and I requested that he review the phone calls from starting XXXX until today. He advised me that it will take 72 hours for him to review and get back to me. My account is listed as cease and desist, however I verbally gave Mr. XXXX permission to return my call after reviewing the calls. Because I am also a collector with working experience with some of their employees, I feel my account has not been treated the same as any other consumer.

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 2018-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To Whom It May Concern, Account Number : # XXXX / XXXX XXXX  I have mail several documents requesting validation of XXXX XXXX   requesting the following information : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Prove the Statute of Limitations has not expired on this account : I have not received anything from XXXX XXXX referencing i have a debt instrument with them. Per the Federal Trade Commission ( FTC ), XXXX XXXX is NOT following guidelines of what constitutes proper debt validation. I have NO contract with XXXX XXXX, I am not obligated to buy for the alleged debt. XXXX XXXX is the reporting inaccurate information on my credit report. 

Im planning to apply for a VA mortgage loan, and XXXX XXXX account is negatively impacting my ability to qualify. 

Thank you for your attention, 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 2021-04-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I signed up for a 360 Checking account based the promise of a {$400.00} bonus. I complied with the terms, but the bonus still has not been paid. The terms said they would credit the bonus by XX/XX/2021, and that is today.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have contacted the company to pick up the car since the start of car buying overcharged XXXX per month in interest also credit bureau payoff and principal balance are all three different amounts. Payoff is a markup of {$300.00} from principal balance owed. XXXX has offer a fair selling price offer included in this complaint. I have had the car for two Years only paid {$2000.00} in principal. Not sensitive to the pandemic

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: MECHANICS BANK
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have contacted the company to pick up the car since the start of car buying overcharged XXXX per month in interest also credit bureau payoff and principal balance are all three different amounts. Payoff is a markup of {$300.00} from principal balance owed. XXXX has offer a fair selling price offer included in this complaint. I have had the car for two Years only paid {$2000.00} in principal. Not sensitive to the pandemic

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: EQUIFAX, INC.
State: ID
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:
I submitted a request to dispute a collections account on my credit report on XX/XX/XXXX expected to be completed on XXXX.The account is a XXXX XXXX account XXXX I never received a update that my dispute was complete only that it was in progress. Over the course of the last 2 months I have logged in and checked said dispute and it was showing still under investigation. As of XX/XX/XXXX, past the 30 day even 45 day mark the dispute was not complete. I logged in today just to check due to the fact my credit report through Equifax is still showing a Derogatory mark for this account. The dispute is now showing complete and the letter attached is stating the dispute was states it was completed on XX/XX/XXXX, but the last time I logged in was XX/XX/XXXX and it was not completed. Also the company continues to call me while the dispute was open. They only stopped calling once I left them a voicemail stating there was and open dispute that was past 30 days. 
The dispute report is stating that the information was updated and that is it. 
Based on the Fair Credit Reporting Act the company has 30 days to review the dispute and if they do not get back within 30 days the agency is obligated to remove the disputed report. Not only did they take over 30 days to submit their findings ( almost 60 days based on my records ) they also send a dispute letter that clearly does not have the correct date on it. There is no way the dispute was completed on XX/XX/XXXX seeing as I logged in on XX/XX/XXXX and it was still in process. They are lying about when it was completed. 
This needs to be removed from my report based on FCRA. 
This account has been disputed and removed off of all other agencies except for this one. 
The company called me again today. Not from their normal number, when called back the rep stated it was XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Cancellation benefit not as advertised. Matter of fact, judging from the response to the claim, no claim will be honored. Thus the " benefit '' is a scam and a perfect example of false advertising. My complaint is, according to this letter and an e-mail from the insurance companies general council 's office, there will rarely, or ever, be a claim that is covered. Therefore, my complaint that the benefit is a scam still stands and is unanswered. The public should not be subject to this type of hyperbolic scam. False advertising is also apparent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: Nationwide Recovery Systems, Ltd
State: NC
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:
Nationwide recovery is stating on my credit report with XXXX  that I have an account opened with them on XX/XX/2021. It is a hospital bill. I have not been to ANY hospital for any reason in the last 2 and a half years, I have tried disputing with XXXX  for the SOLE purpose of getting this illegal re-aging fixed to the correct date of delenquency and they refuse to correct it. 

From my understanding reporting newer dates than are accurate are illegal and allows them to latch onto my credit report for longer which is the tactic they are using. I would like and investigation into both Nationwide recovery for re-aging practices and XXXX  for not correcting them. There is absolutely no way they can provide documents with my signature or e signature dated with the dates that they give, unless they are also committing forgery.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have sent several letters to Midland requesting validation of the debt. I have come to the point where I feel they are ignoring my request. I requested proof of the debt from the credit bureaus, they sent me a bill. Midland sends me a lette that they are unsure of what I am disputing. The credit agencies claimed it was verified so here i am taking it a step further by placing this complaint. After doing my research on the company, I see that they have a consumer first policy but obviously they have put me last. I have recently lost my job and to receive a bill from Midland stating I owe a debt thats not mine is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07
Company: Resurgent Capital Services L.P.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
There is a debt collection falsely reporting under the name ( s ) XXXX XXXX, Resurgent Cap and XXXX XXXX C/O Resurgent Capital Services. This account should be removed from each CRA ( Credit Reporting Agency ) for violations of the FCRA. 
The data furnisher is reporting in a misleading manner ( using different names phone numbers and addresses for each CRA ) as follows : XXXX : Name : XXXX XXXX/RESURGENT CAP Phone : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX  : Name : XXXX  , XXXX  Phone : None Provided Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX : XXXX XXXX Phone : XXXX Address : C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, SC XXXX *See attached Credit Report as supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18
Company: Peter Roberts & Associates, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2019 a 93A Demand notice was sent to PR via certified mail. This notice informed PR that the account they listed on my credit report was showing illegally ( under MA state law a debt collector may not place their name on a consumer credit report, PR has listed their name in violation of this law ) and the account does not belong to me. I demanded proof of their claim as well as removal of the illegal listing. They failed to comply. 
XX/XX/2019 a second 93A Demand notice was sent to PR via certified mail requesting proof of their claim and removal from the credit bureaus. They with a statement of " request has been sent to the credit bureaus, directing them to " expunge '' any derogatory information ''. The listing was removed from XXXX and XXXX. However, it was NOT removed from XXXX. 
XX/XX/2019 a third notice was sent to PR requesting removal from XXXX. PR failed to reply and failed to remove their listing. 
As of XX/XX/2019 PR is still reporting illegally and attempting to collect upon a fabricated debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07
Company: GVA Holdings, LLC
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I took out a payday loan on XX/XX/2018. The interest rate they are charging is 474.999 %, but the cap in NJ is 30 %. When I called and told them, they said it was a tribal agreement and does not apply to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30
Company: Servis One, Inc., Titusville, PA Branch
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My name is XXXX XXXX, ( XXXX ) XXXX I Just finished Chapter XXXX  a few months ago, The servicer sold my mortgaged to another servicer, I have proof of all payments made in the past 5 years, the new servicer says I, m behind 22 payments and {$79000.00} and wont except my monthly payment unless I pay the {$79000.00}! 5 payments I've made to them has cleared my bank and not applied. The XX/XX/XXXXpayment was returned with letter they cant except without me paying the {$79000.00} They say they have referred account to attorney for legal action. Servicers : # 1 XXXX XXXX XXXX XXXX XXXX XXXX, PA. ( XXXX ) XXXX Account # XXXX # 2 New Servicer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT. XXXX ( XXXX  ) XXXX Account # XXXX. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06
Company: TrueAccord Corp.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/2020 XXXX I received the following message from XXXX XXXX of TrueAccord, after I unsubscribed from their email : XXXX, do you need more information? We're following up after your recent visit to our website regarding a {$460.00} balance with XXXX. If you were looking into unsubscribing, we'd like to provide you with more information. Please view your account summary. Unsubscribing will not invalidate your debt. If you're ready to resolve this balance, please take a moment to view all your available options. Pay Your Balance This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. I responded via email XX/XX/2020 XXXX, Any information regarding this matter needs to be mailed to the addresses you have on file. No longer contact me via any email address. This matter will not be addressed again and a complaint will be filed with the CFPB. I then followed up with a certified letter XX/XX/2020, Tracking Number : XXXX, received XX/XX/2020 at XXXX XXXX. In this official document I request debt validation, and explicitly stated all communication needs to officially be done in writing. They are only authorized to communicate with me via mail, and attempting to collect a debt via email, circumvents the official process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: EQUIFAX, INC.
State: IN
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 had multiple inquiries and accounts appear on my reports that are not mine. At least 2 accounts and 16 inquiries were not opened or made by me. I have submitted my information and reports for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: KeyBridge Medical Revenue Management
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never had an account with these collectors/creditors. I tried to contact them several times and ask for proof of ownership but they failed to send me the necessary documentation to prove that I really own this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: JDJ Investments, 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: Problem with personal statement of dispute

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX Turned this over to CBS Collections On my XXXX  report. 

All details in full and attached proof are attached below. I have contacted XXXX, original creditor and collection agency and still not handled properly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Today XX/XX/2021 I checked my Transunion credit report and it was showing that I owed a balance of {$150.00} on a loan from XXXX XXXX XXXX XXXX and this is false. This loan is fully paid up and the loan is closed. I am there fore asking Transunion to delete XXXX XXXX XXXX XXXX from my credit profile as the account is fully paid up and no funds are owed to 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