BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-28
Company: Clark County Collection Service
State: NV
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:
My husband and I are in the market to purchase a new home. I watch my credit very closely. On XX/XX/2018 I noticed that I had a new item on my credit. It was for the XXXX XXXX XXXX in the amount of {$330.00}. Per the credit report it states it was opened XX/XX/2018. I reached out to the collection company, XXXX XXXX XXXX XXXX on that same day by mail. In the letter I let them know that I dispute this debt in it's entirety. I requested they provide proof that this debt was mine. I asked them to only contact me by mail moving forward. I made it very clear that I DO NOT have a loan from XXXX XXXX XXXX. There is no question about it. 

I never received a response from them. Instead, on XX/XX/2018 I received a phone call from them in an effort to collect the debt. I told them that this debt is not mine. They told me to report identity theft. 

Not only are they after me for a debt that is not mine, they are damaging my credit in ways that are unthinkable. It will take me a very long time to improve my scores after this is resolved. In turn, pushing back the purchase of a new home. 

I will not file identity theft for something that is their mistake. It is absolutely horrible that they expect for me to make this go away by doing that. Clearly the debt is not mine or they would be able to show me that it is. 

I sent another letter to the collection company today asking for the same thing. 

I have filed a dispute with the credit bureau that it was reported to.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Tried to use my card XX/XX/18 and XX/XX/18 and it was declined. Called the number of the back of the card to find out why and after being on hold for nearly an hour was told they couldn't help me. I needed to talk to a specialized fraud department. Gave me a phone number ( XXXX ). Have called them numerous times and get left on hold. System automatically cuts you off after 2 hours so you never get to the front of the line. I have spent nearly 15 hours trying to get someone to answer the phone. 

Not only can I not use my card I can not pay my bill online or collect on my earned cash rewards. I want my money back and then I am done with this company ... it is absolutely disgraceful that they would shut a persons card down and then not answer the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have written XXXX XXXX on several occasions via certified registered mail requesting that they validate the alleged debut. XXXX XXXX has yet to supply me the information requested.I am an XXXX XXXX XXXX with the XXXX XXXX. I was XXXX with my platoon on XX/XX/XXXX and only return XX/XX/XXXX. How can I have signed a lease with XXXX XXXX apartments per the name listed on my credit report. I XXXX the company and filed a complaint via the XXXX XXXX XXXX via complaint number XXXX. I received the following email from the company 's contact persons by the name of XXXX XXXX. Stating she would make sure that the item was removed as she agrees with the documents submitted that this was an error on their parts.This was XX/XX/XXXX. Yet I am still seeing this item on my XXXX, XXXX, XXXX reports. Under the laws of the FDCPA, I have contacted the collection agency ( as well as the originator per my credit report ) myself and have been unable to get them to verify that this is indeed my debt. The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and has surpassed the 30 day validation mark. I urge you to remove this item before I am forced to take legal action.So my question to XXXX, Transunion, and XXXX is " what was used to validate this debut in order to add this to my profile when the company is stating it should be there? '' I am giving you all 7 business days to remove this from my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: Experian Information Solutions Inc.
State: RI
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:
I had an automatic payment of {$50.00} scheduled for payment to my XXXX XXXX Credit Card, because my minimum due ran around {$33.00} per month. In XX/XX/2016 i made some bigger purchases using my XXXX XXXX Credit Card, which them increased my minimum due for the month of XXXX. During this time I was out of the country and did not realize that the minimum automatic payment i had set up was not going to cover the increase to the minimum due causing for my {$50.00} automatic payment to not be enough to cover the minimum. This situation caused a negative reporting to the credit bureaus by XXXX XXXX which reduced my credit score by 95 points for this one late payment reporting. I tried contacting both XXXX XXXX and the credit bureaus because i felt that 95 points was too much for just one late payment, which was not even late it was insufficient. When speaking with one, they would tell me to contact the other. I opened a dispute with the credit bureaus and got no resolution.

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 2018-04-20
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I am having problems with mcm, XXXX XXXX XXXX XXXX XXXX. I became sick and unable to pay my credit card. The limit was less than {$1000.00}. Last year around XXXX I received a letter that they were going to take legal action if I did not pay.The late fees added up and became more than my limit. I called made arrangements to make payments in XXXX. The scheduled payments were not followed correctly causing me overdraft fees. I contacted the agent left voicemails but no call backs until I requested to speak with a Supervisor to cancel the payment plan that was costing me more money, due to drafting on different dates the supervisor canceled the arrangements and pinned it back on the Agent who would follow up and never did.The payments stopped but now they have sent me a notice dated XX/XX/XXXX that I received XX/XX/XXXX stating that if I don't contact them they are taking legal action. I have paid more that my limit in fees I should not owe any more money. I made effort to pay the debt. They have my recorded calls when I called in multiple times and spoke with different people.I had every intention to pay the debt not the overdrafts fees by my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
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: Information belongs to someone else

Complaint:
I reviewed my credit report in found there was an inquiry for XXXX on XX/XX/2020. 

I wrote XXXX XXXX XXXX twice disputing the inquiry an requesting them to remove the inquiry from my credit XXXX  XXXX XXXX responded saying that had no evidence of inquiry however it is appearing on my Transunion credit report. 

Please review and remove inquiry from my credit report as I did not submit an application to 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 2021-02-23
Company: Resurgent Capital Services L.P.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Good morning, I've filed a dispute in regards to the incorrect items on my credit report, it has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: PNC Bank N.A.
State: GA
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:
My vehicle was repossessed, I paid the bank {$1700.00} for the lot XXXX  XXXX which was vended out from XXXX XXXX XXXX to return my vehicle, I have not been able to get in touch with these people to get my vehicle back and the bank refuse to give me my money back because supposedly this money is owed on the loan. I've missed five days from work with no pay and counting... I need my vehicle to get to work or my money back with loss of wages I also tried refinancing the vehicle with PNC Bank but was denied due to credit issues... Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-20
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: Personal information incorrect

Complaint:
OnXX/XX/XXXX I ask for a Pin Number involving My Equifax Credit Freeze Confirmation Number XXXX. And XXXX XXXX me, went through four more Equifax Confirmation Numbers after asking for a Pin Number to my Equifax Credit Freeze Report.

And after five tries one Equifax Representative stated that stated on XX/XX/XXXX ta creditor reported my address as being XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX. This was absolutely and totally wrong.

I left XXXX, XXXX on XX/XX/XXXX, and moved into the XXXX XXXX XXXX, in XXXX XXXX XXXX, on XX/XX/XXXX.

I ask which creditor? Because all of my creditors including Bank and Department Stores Credit Cards along with XXXX, XXXX XXXX   knows my Address and it has been since late XX/XX/XXXX And what's troubling, Equifax could not reveal which creditor it was that gave this false and erroneous address. I only have a few credit cards.

And that is the major problem. Which creditor I ask again and I could not get an answer as to which creditor it was that stated I still lived in XXXX, XXXX even in XX/XX/XXXX.

The problematic of this entire matter is that on XX/XX/XXXX, My FICO Score Report was sent to me with the same name and address as being XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX   XXXX some 11 years earlier. And how could Equifax get it some wrong in year XX/XX/XXXXwhen they got it right in year XX/XX/XXXX.

So who was it that gave this false report?

And since then I have changed my first name legally from being XXXX  to XXXX XXXX XXXX.

Please see the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: EOS Holdings, Inc.
State: PA
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:
I am filing a complaint of non-compliance requesting validation, made pursuant to the Fair Debt Collection Practices and the Fair Credit Reporting Act, along with the corresponding local state laws. 
Please note that I am requesting VALIDATION ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay these companies : 1 )  XXXX XXXX ( XXXX ) ACCT # XXXX ATTACHED LETTER 2 ) EOS CCA ( XXXX ) ACCT # XXXX ATTACHED LETTER This month the FTC, and Federal Law Enforcement Partners have announce Nationwide Crackdown on Abusive Debt Collection Companies.

This is formal complaint that you have failed to provide me with copies of any viable evidence, bearing my signature to my dispute letter deposited by certified registered mail with USPS. ( have attached  certified letters that were sent ).

I have maintain careful records and for your benefit, and as a gesture of goodwill final attempt to have you clear up this matter. You have 15 days to cure. How are you guys reporting or verifying these accounts to the CRAs when it lacked underlying documentation.

In 2000, the FTC held that the FCRA barred a debt buyer from " verifying a tradeline disputed by a consumer when it didn't posses the original documents. FTC allegations was that upon receiving a CDV form from a CRA that the debt buyer ( s ) and furnisher ( s ) they can not use the PCM for verification does not constitute an " investigation '' for purpose of section 1681s-2 ( b13 ), when a consumer disputes the accuracy of information reported by debt buyer ( s ) or furnisher ( s ), they should either verify the information with the original documents bearing a signature within the time period set forth in the FCRA or take all necessary steps to deleted the information from the files of all consumer reporting agencies to which the information was reported
within 5 business days after receiving the consumer dispute, notify all consumer reporting agencies to which the information has been provided that the information is to be deleted from the file of the consumer who has disputed the account.

Consent Decree Order, Section II.

As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a print out of a bill or itemized document does not constitute verification.

I am again formally requesting a copy of VERIFIABLE PROOF ( of original Consumer Contract with my Signature on it ) you have on file ( Section 609 ( a ) of the accounts listed on my original letter. If not you must remove the accounts listed above. These accounts have hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
On XX/XX/XXXX I had requested multiple disputes with transunion. It said the dispute date to finish would be the XXXX of XXXX. That alone was past the 30 days. But it still has not finished as of the XXXX of XXXX. I would like all items that I was disputing deleted off of my credit report. As well as the reason why it has taken so long and the process. By law this items should be deleted if not back within 30 days and it has been well past that. Attached is the dates as well as the items I disputed that will need to be deleted. Thank you

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 2017-07-31
Company: Harley Davidson Financial Services Inc
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Purchased and financed a XXXX Harley Davidson Ultra Classic Glide, Purchased around XXXX 2012 from XXXX XXXX XXXX XXXX NC. The day of the purchase I was told they we 're throwing in for free a tire and wheel warranty. After rushing me to sign everything they handed me the key and tag and said I was good to go. But they failed to give me copies of all the financial documents, I ask for them and they said they would mail me my copies. By law they suppose to give me copies on the spot before leaving but that did n't happen. I received the documents in the mail three days later, after reviewing the free tire and wheel warranty was n't free and instead they charged and added it to the financing at a cost of {$2000.00}. I called them and complained they said I need to call the finance company Harley Davidson Financial Services, So I did. The finance company said I can cancel the {$2000.00} warranty and they would give me a refund credit on the end of the loan. So the {$2000.00} would come off the end of the loan. But they never gave me credit, so I hired an Attorney and he contacted the Finance Company who  than supposedly gave me credit off the end of the loan. also had a licensed accountant review all the financial documents, he told me they took my payment but added my interest back which they did n't suppose to do. Also if they would have added the refund at the end of the loan it would have made my monthly payments, Interest ETC less per month but everything stayed the same. The last couple of years I have been paying the principal because I have already paid all the interest that was owed. I contacted the finance company to get my payoff, my payoff should be {$1800.00} but they are saying I owe {$3800.00} which they said is interest. In other words they never gave me credit nor did they take off the {$2000.00} for the tire warranty if so the payoff would be {$1800.00} or less.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Company: Prosper Marketplace, Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On X/XX/2017 I was on the Prosper site inquiring about a possible loan, # XXXX. The site offers a credit score ( rate ) check that will not affect the consumers credit score. It stated that a soft pull would be completed and not a hard pull. I am moving through the application not fully understanding that this was an actual credit application. No where on the site or statement did it say if you go any further a hard pull ( inquiry ) would be required. I later called customer service to ask before moving any further and was told I should expect that it would be a hard inquiry since it is credit related. I followed up by stating that no where did the application ask for authorization to pull my credit profile. Also, the customer representative telling me the truth in lending statement states a credit pull is necessary and then once he checks and he realizes that it does n't say a credit pull is required, then he states '' well you should have figured that out '' is an unacceptable business practice. My response to the rep is that most alternative loan sites do n't normally do hard pulls so you can not assume all consumers will understand that. It is also misleading because no where on the site does it inform the consumer that a hard inquiry is required to apply. I do not want a loan and was only researching rates and would like the credit pull removed from my XXXX XXXX profile. I should not be penalized because the site is not transparent. Lastly, why not be willing to help once you confirmed that the site is vague and confusing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I never received a statement for this XXXX XXXX XXXX credit card after applying for the account. It has been nearly three months ( since XX/XX/18 ). I have called at least 4 times asking to be sent this statement and still I have not received it. It took two months just to receive the credit card in the first place -- and I had to call twice to get that. So I didn't even know my own account number for two months, to whom or where to send payment, and had absolutely no way of monitoring the activity on my account or using the card.

In addition, as a result of this delay I was unable to register online for the special promotion for a {$400.00} prepaid card because I was told to do it when I got the card. You can not register online without having your full account number. They would not provide me with the account number. I had to wait until I received the card or the statement bearing the account number. Later - too late to meet the promotional deadline - I was told I didn't have to wait for the card and I could mail in the rebate with just the receipt and last 4 digits of the account. I was denied the rebate.

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 2018-04-20
Company: RoundPoint Mortgage Servicing LLC
State: NE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I paid off my home on XX/XX/XXXX They supposedly mailed my escrow check to me on XX/XX/XXXX. I have never received it and it's now the XXXX. I think they are fraudulently holding on to my escrow XXXX and gathering interest on the money. I don't believe they ever sent a check. They have no tracking number for the envelope. This isn't the first time I have had problems with them when I paid off my house for a few days they tried to say that I owed more money. When I persisted they finally admitted they had made a mistake and misplaced my money. Whenever I call there to find out what I going on with my check someone answers the phone that can't even speak good English so I can't communicate with them and I'm given the brush off about my money. I'm also terrified I won't get my deed in the future.

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