BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-01
Company: RentDebt Automated Collections, LLC
State: TX
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:
This is a formal complaint against Rent Debt Automated Collection located in XXXX, TN. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, XXXX, XXXX and XXXX. And not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, Rent Debt Automated Collection has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices - disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Santander Consumer USA Inc has not only put me a predatory loan that was subprime but has failed to respond to a letter of demand requesting my " Internal score '' that allowed them to give me a loan at over 20 % interest and after 2 years of paying this it has actually gone up somehow. This company was sued by XXXX attorney generals and settled out of court as being the largest subprime auto loan company ever. I did my research and sent a LOD ( Letter of Demand ) with 30 days to respond and they completely disregarded me even though I stated that I will consider it a silent admission of guilt if they do not respond, and if they repossess the vehicle I will sue them for damages. Instead of responding with any information at all, they sent me a repossession letter and a bill saying I owe them {$1400.00} when they XXXX me over in the first place with this loan. Please help me to get them to do the right thing! They have not answered calls or letters about this issue and now are going to attempt to take my car. This company is unprofessional, unfair, and downright abusive. Threatening me when they know they were in the wrong and then treating me like XXXX in the process, I will make sure to let others know how deceptive and fraudulent this company is toward customers that are unsuspecting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: Experian Information Solutions Inc.
State: TX
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 disputed an account on my XXXX, Experian and XXXX  report since XX/XX/XXXX. Every time the credot bureus have sent back a dispute results letter stating that the account is valid, I want to know how an account that has been aged since the year XXXX is still reporting on my credit report going into XXXX, this account is past the timely statute of debt collection of 7 years per the Fair Credit Reporting Act, I looked it up and this company is violatiing my rights and my credit report so I want XXXX, experian and XXXX  to delete this account immediately because it is incorrect and inaccurate information that is reporting and the credit bureaus lied about verification because nothig has been sent to me as proof that this account has even been validated, I want it removed immediately please. 
Company Name : XXXX XXXX XXXX XXXX Account # XXXX There is another account that is reporting inaccurately as well and is past the time of debt collection limitations. The statute of limitations on debt in Texas is four years. This section of the law, introduced in XXXX, states that a payment on the debt ( or any other activity ) does not restart the clock on the statute of limitations. This company should not even be reporting on my credit as well, so I want it removed from XXXX, Experian and XXXX  as well or I will have to take this creditor to court. 
Company Name : XXXX XXXX Account # 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 2018-03-02
Company: National Arbitration Forum
State: OR
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:
I received a call from a company claiming to be called National Arbitration from phone number XXXX. The call came in around XXXX. They called my spouse then my cell phone. When I answered they immediately asked how I was related to my spouse. I said who is this? He said he was with a company investigating a case of fraud and theft. I said from who? He said the state of Oregon. They said it was for theft of goods and services. I said who do you represent and then he finally said a XXXX loan company XXXX XXXX XXXX. I said oh ok well I need to let you know that I am in OR and you are calling way too early. He said he was not bound by any collection laws such as FDCPA. I told him I need to advise you I have an attorney that is hired to file bankruptcy and you need to contact him as Ace is named in our bankruptcy. He said it isn't filed yet. I told him that is all I have to tell you please contact my atty. He said well I am going to come to your house and you will be served any licenses you have will be terminated. So I hung up. He immediately called back with a blocked number and said they were on the way to our house and the he contacted the atty and he will not back me with this. I hung up again.

Company response to consumer: Untimely response
Consumer complaint received 2023-12-06
Company: PNC Bank N.A.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
This is going to far. It is going on week 3 now. My account is still in suspension and no one seems to be able to answer any questions. XXXX XXXX called me and left a message letting me know that I needed to call her and I did several times and she never returned my call. I have been speaking to a XXXX XXXX who is a case manager who has absolutely did nothing. She called me to tell me that she received and email from XXXX on last Friday XX/XX/XXXX and that she believed it would be have an answer by this Monday which was yesterday XX/XX/. As of right not all my bills can not be paid because they have my funds on lockdown. Checks have bounced and my business is put on hold because they cant handle a large amount of money or their holding my funds for no reason. I have the release showing that the IRS released the money transfer to me and the bank " XXXX XXXX tax accountants at the bank told me when I called that they released the check two weeks ago and that PNC never called them for clearance. I want them release my funds or give me an explanation as to why they haven't. This is insane.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-28
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Creditor American Express is already aware and have coded account ending in XXXX for my deceased mother located at : XXXX XXXX XXXX XXXX, XXXX, NY XXXX. Specifically, authorized user : XXXX XXXX ( daughter ) card XXXX XXXX XXXX, should no longer be reported to credit agencies : XXXX  , XXXX or XXXX or any other credit reporting repositories.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-10
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received a wire to my new PNC account and they locked me out and froze the account. When I called customer service I was told to report to the branch where they could verify me, my info and unfreeze my funds. I went to 6 different branches before somebody was able to ''help '' me. At each branch I was told that such verification was not possible, I should just call the customer service number since they are the one doing the verification directly with me over the phone. 
Finally at the 6th branch after many days and drives around the city, 2 employees were able to assist. We called the back office and waited for around 2 hours to be able to speak to someone. That someone had the PNC agent with me to verify and scan my ID which they did, and then we were both told that my funds have been held for further investigation. I asked what was the reason, and did not receive a definite answer. 
I brought with me all the paperwork for myself and my business, details of the transaction, origin and reason ; they told me it was not necessary. 
The result is that my account is frozen since XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: Specialized Loan Servicing Holdings LLC
State: KY
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:
Back in XX/XX/XXXX, I learned that Specialized Loan Servicing was reporting that I was delinquent on my mortgage in XXXX and XX/XX/2019. That was not possible since I sold my house on XX/XX/2019. I called them to find out what the issue was. They stated that they did not receive the payment. This is also incorrect as I have a copy of the wire transfer date to the company which was dated XX/XX/19 @ XXXX EST. This information was provided to me by the closing attorney. I have called several times requesting to speak with a manager. I called last month and spoke with XXXX. I called today and spoke with XXXX. They both told me that a manager would call me and I never received a call nor has anyone left a message for a call back. I need them to reflect the correct information on my credit report. They need to remove the two late payments which are hindering me from securing a mortgage loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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 had my capital one account for two years. I have never been late on the account until XX/XX/2020. I had automatic payments set up for the second day of every month. For XX/XX/2020 the automatic payment was made XX/XX/XXXX and then another payment XX/XX/XXXX. Payment conformation for both payments. I then closed the bank account on file due to current pandemic. Payments were reversed and I was unaware until I received the XXXX monthly statement. I took care of the issue immediately paying over half of the balance as well as updating banking information on file. I contacted capital one directly via phone and email to the CEO of the company. During the first conversation I was told that they didnt see anything on their end of me being late on payment. No late fee, no Delinquent Mark etc. The representative suggested it was a error on the credit bureaus end. I then proceeded to email the CEO. I received a phone call about a week later stating again that there is no late error on their side. They are aware of the payment reversal but there was no late fee or any late marks on the account. I spoke to two different representatives. They both stated that they are unable to fix the 30 day late remark because they do not see it on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I am an XXXX XXXX XXXXXXXX XXXX and have banked with PNC bank for over 25 years. A check was made out to my insurance company XXXX XXXX and mailed out in the amount of {$120.00}. I found out a few months later, after my insurance company saying I never made my payment, that my check was washed and altered to {$920.00} and made out to a XXXX named XXXX and cashed. I then filed a dispute with the bank and they denied the dispute and never mailed me an explanation. I am an XXXX XXXX  that lives off of my social security and {$900.00} is a lot of money to let it go. You can clearly see the check was altered and the handwriting is not the same. I would like something done about this and my funds returned to me. Not only am I out the {$920.00} this guy fraudulently cashed, but I also still had to pay that month owed to my health insurance

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: Sequium Asset Solutions, LLC
State: IL
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was contacted by Sequium Asset Solutions seeking to collect the debt in the amount of {$260.00} on behalf of XXXX XXXX as per attached XXXX letter. I have spoken with the Sequium Asset Solutions representative on XX/XX/XXXX and informed them that my roommate XXXX XXXX and I have paid the above amount to XXXX XXXX back in the Summer of XXXX  and that we have the payment confirmation receipts to prove it. I was instructed by Sequium Asset Solutions representative to submit the proof of payment information via email address XXXX for the Sequium Asset Solutions review. I have submitted the same proof of payment information receipts as I am attaching to this complaint to the Sequium Asset Solutions using the email address provided. After not hearing anything back from Sequium Asset Solutions I have contacted them again on XX/XX/XXXX and was told by Sequium Asset Solutions representative that no information about the case could be provided at this point. I think it is a blatant violation of my consumer rights to seek to collect debt that has been previously paid and not to respond to my request for further information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XX/XX/XXXX and Transunion will not give me a updated report

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 2020-12-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2020 I noticed fraudelent activity in my business checking account a " restaurant '' was charging multiple times my debit card I reported it with bank of america and the lady on the fraud department told me not to worry obout it that she put a stop on the account and that those transactions were not going to go trough. 
Next day I opened my online banking and not only the transactions from the previous day went trough but Bank of america allowed this company to charge my account with over XXXX transactions for over {$100000.00}. 
Since that day i have been in contact with the bank asking them to please refund me my money. 
The supervisors that I have talked to informed me that bank of america got hacked and agreed that this money has to be reimbursed back to me the have lied to me multiple times giving me a fake reimbursment date and the reps that do not lie can not give me a time frame for my reimbursment. 
I am XXXX  XXXX  XXXX  XXXX  and I have been waiting for over 30 days to be able to use my hard earned money. XXXX XXXX, my family and XXXX XXXX are sufering from this situation the late fees and credit damage, interest payments, foreclosures and default interest rates the Bank is creating by not refunding me my money is going to be in the tens or hundreds of thousands. I am very desperate for this situation. I hope that someone can please help 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 monetary relief
Consumer complaint received 2023-04-28
Company: EQUIFAX, INC.
State: PA
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:
These accounts that is attached to my identity theft report was applied for fraudulently Based On, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that result from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: Experian Information Solutions Inc.
State: PA
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 previously submitted valid Identity Theft reports to Experian, XXXX, and XXXX # XXXX. I also went to the neighboring police station to file a criminal complaint. The fraudulent items are still reporting on my credit files. Either validate the debt meaning produce the original documents bearing my signature or remove the fraudulent items from my report

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 2020-06-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
A claim I submitted to Bank of America for the non refunded portion of a XXXX tour package using my Bank of America Premium Rewards credit card was denied. The card has an annual cost of {$100.00} and offers travel protections. The tour was to begin in XX/XX/2020 with the main attraction attendance at the XXXX XXXX XXXX XX/XX/2020. Due to the Covid-19  pandemic, the passion play and tour were canceled. I, as an XXXX-year-old person, was required to quarantine in my home. I canceled my tour package and received a refund from XXXX XXXX for 80 % of the tour cost. The tour cost was {$5900.00} and I received a refund of {$4700.00}. I believed that the Premium Rewards card should cover the non refunded portion of the tour package ( {$1100.00} ) because the 10th item on the credit card agreement specifically states that " a covered person is insured under this policy ... Quarantine of covered person ... a physician or by a competent governmental authority ''. A claim I submitted was denied on XX/XX/2020, because the event I was to attend was canceled, but my cancellation was significantly due to the Covid-19 quarantine imposed in the state of Georgia.

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 2023-12-07
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting 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 at XXXX, I received an email from the so-called Experian, XXXX. Its credit report stated that I had another 3 records besides name, address, and statement. As far as I remember, I tried to correct I never served to the military and added fraud alert with some effort and difficulty. Anyway, this company and other credit company still do not explain to me why I am in the military. Therefore, I have a question whether I made only 1 statement or not, since there are 2 different date statements. Also, I request the explanation what 3 other records, which was mentioned in the report.

Company response to consumer: In progress
Consumer complaint received 2023-12-07
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XX/XX/XXXX, this so-called Experian sent me another emails 6 times. XXXX sent the same report, which I requested several things to answer in previous complaint. XXXX sent me twice with same content except no 3 other reports, as far as I see. All three had the claim number XXXX XXXX sent me important notice, which asked the personal information three times.

Company response to consumer: In progress
Consumer complaint received 2023-03-01
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: Was not notified of investigation status or results

Complaint:
I sent you a letter last XX/XX/2022 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.

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