BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-09
Company: DISCOVER BANK
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Years ago, 23 years ago to be exact, I had a Discover card with a balance of {$1500.00} ( give or take ) that I always paid on. Got a statement in the mail that I had a {$3000.00} courtesy check that was made on the account. I called Discover numerous times and they told me that they would take care of it. Recently, I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX stating that I have a {$11000.00} balance/judgment with them. I called them. They told me I was taken to court in New York back in 2005 ( I was living in Florida at the time and never received notification of any court proceedings against me ). I contacted identity theft websites that led me to this one. They told me to get paperwork from XXXX XXXX   ( validation information regarding the judgment ) which they never sent me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio recovery bought a bad debt that was made by another individual to XXXX using my credentials. Tried to correct this with XXXX  to no avail and decided just will not pay the claim. Portfolio reps have been calling me after I repeatedly asked them to cease calling me to collect and they have made threats of all kinds. I am a XXXX   veteran with XXXX and live on very little money. I will not tolerate this much longer from these individuals.They have called consistantly from XX/XX/XXXX through XX/XX/2018 which is today on my cellular number. This has to stop NOW!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-30
Company: CITIBANK, N.A.
State: PA
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:
On XX/XX/20 & XX/XX/20 I attempted to contact citi bank regarding not working due to the corona virus. In the XX/XX/XXXX I went through their automated system for corona virus relief. It apparently did no good, as they started calling a few days later. Due date was on the XX/XX/XXXX. I sent them {$500.00} as soon as i could and they still continue to call and the outsourced representatives are of no help.

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 2019-06-22
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
The following complaint is in regards to credit reports generated by XXXX and Equifax on XX/XX/2019. Upon reviewing my report, I discovered that the telephone number being reported, as well as the employment history, are inaccurate and the findings do not reflect my current status. In addition, the report does not accurately reflect my current credit line across all lines of credit ( credit cards ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I recently received a copy of my consumer report from XXXX, Transunion and XXXX. I noticed this inaccurate account posted on my consumer report. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681i ( a ) ( 1 ) ( A ), DELETE this INACCURATE ACCOUNT listed below before the end of the 30 day period after receiving this notice of dispute. 

XXXX XXXX XXXX  XXXX XXXX Acct # : XXXX These companies is in clear violation of the law! 15 USC 1681e Compliance procedures And 15 USC 1681b Permissible Purpose of consumer reports 15 USC 1681e ( b ) Compliance procedures, THE LAW CLEARLY STATES : ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 USC 1681b Permissible Purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I NEVER gave these companies written instructions to furnish this account on my consumer 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 2018-06-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The debt collectors have continusly harrased me with multiple calls per day, i have contacted them in regards to validating the debt on more then one occasion and i havent recieved anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
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: Information belongs to someone else

Complaint:
I had no knowledge of tis account.

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 2019-06-22
Company: CITIBANK, N.A.
State: IL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I signed up XX/XX/19 for XXXX XXXX XXXX  42 day program. It was free but then the owner XXXX XXXX claims you need to pay a refundable deposit {$490.00} which will be returned as long as I keep food journal ( fitness pal was suggested ) ,1x week weigh ins , attend 3 times a week participation. I completed and XX/XX/19 we had a meeting after my workout and I declined. XX/XX/19 I verbally cancelled and XX/XX/19 was my 18th workout for completing 6week program. I confirmed with XXXX XXXX Process of refund and told me 3-5days and everything was fine. XX/XX/19 after speaking owner by text I got excuses I put in dispute with citibank. As of today the charge was put back on my account since owner now disputes the refund I'm due even though i sent proof to card company. They are restarting the process and told me ot will take another 45 days. Next month my minimum payment is the amount that was of reversal minus any payments i was making. Citibank claims Mastercard makes them remove temp credit that was given for dispute. Makes no sense. I had a charge that had been pending for 7 days also {$68.00}. They claim that it was approved a merchant hasn't taken money. This is causing me financial burden.

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 2019-06-22
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 information incorrect

Complaint:
please see attached CFPB complaint filed today against the collection agent, XXXX XXXX XXXX that is wrongfully appearing on my EXPERIAN AND XXXX credit files.

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 2021-06-10
Company: GOLDMAN SACHS BANK USA
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
In XX/XX/2020, I opened a CC with Apple/Goldman Sachs for the purchase of 2 XXXX  when I purchased them at the Apple XXXX. I was already on an installment plan for my old phones and the Apple rep assured me that this would be the same and that my auto-pay would be setup the same. Sometime around the end of XXXX or beginning of XXXX, I received a phone call from Goldman stating that I was 3 months late on payments. I asked them why this was the first I had heard from them and they stated that had tried to email me. I later found out that these emails were being intercepted by XXXX XXXX spam filter - so I wasn't getting them. I immediately paid the account current and was advised that Goldman would clean up the mess on their end. Approx 30 days later I was notified by the Credit bureaus that Goldman erroneously reported my XXXX payment late but had reported XXXX and XXXX as " on-time ''. I filed a dispute with the 3 CC bureaus but Goldman insisted that their reporting was accurate. An accurate report would have been that I was technically late XXXX, XXXX AND XXXX but Goldman said that they would clean it up since my auto-pay was messed up. I called Goldman @ XXXX to inquire about just paying the account off and closing it - they hung up on me. I thought it was a mistake but they have my call back number if it was a simple disconnection. This issue has caused my credit score to go from XXXX down to XXXX and resulted in a higher rate for a car that I recently purchased.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA
Product: Vehicle loan or lease
Sub-product: Lease
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:
Desput the Credit Make on my report For the XXXX XXXX XXXX acc : XXXX. LEASE To Whom it may concern : On XX/XX/XXXX I called Toyota Finance to pay my account up to date. I spoke to a representative. I paid {$250.00} with this said representative which would have brought my account current. I NEVER pay my account though a representative I always pay online but do to the pandemic at the moment and trying to come up with funds from work being scarce I figured it would be easier to speak to someone to ecolate my payment so I would not have a bad on my report. 

I specifically asked said representative if my account was in good standing and if it would be reported to the credit bureau. She Said and I quote " No you're just under the wire '' ok good we hung up the phone not further action taken on this day. 

Later that day on XX/XX/XXXX a got an alert that my husband and I have a negative mark on our Credit report from Toyota stating 30 days late. I called right away to dispute it. I spoke to several representatives. They escalated my call to supervisors. One supervisor told me yes I see you called I have all the notes right here on the computer. I will lpull the call and listen to it because all calls are recorded. I will get back to you. Well don't you know this call in convently not recorded. They know I called they have the notes and my payment but they have no conversation between me and the representative. 

I feel I have been lied to and misresprented by there representative who they will now not give me her name to include in my report. 

Toyotal is refused to take the negative mark of the reports and told me even if the representative gave me that information it was fales and they CAN NOT take it off. Why would there representative lie to me? This is not fair to the hard working people who are trying so hard to keep up with there payments and bills ontime while the world has shut dowm making this acrion extreamly impossable. 

Please can someone help with this despite. Before this world went into a panic I have been working really hard to keep up my credit so I can buy a house on day for my XXXX kids. 


Thank you for your time XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: Experian Information Solutions Inc.
State: MS
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 have a bankruptcy that has been on my report since 2013, I am wanting to see if I can get it removed early. it is suppose to come off in XXXX of this year

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 2017-11-08
Company: EQUIFAX, INC.
State: CO
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 been filing complaints with XXXX for almost two and a half years now Ombudsman group mandated that they remove all payment history prior to XXXX XXXX XXXX to XXXX due to my bankruptcy Chapter XXXX they still have not remove payment histories from the accounting XXXX when I call two weeks ago they stated they see the ongoing problem but somebody has dropped the ball and that 's why it 's still not rectified they stated that they would contact me back within 7 days at which point the proper department will take care of this again and it still has not been done so payment histories from a closed account is still showing up negative on my credit bureau as well as the fact that they have it looking as if there 's five different student loans on my credit report when he won in XXXX was discharged and was requested to be removed and the ones from XXXX were Consolidated and they refused to fix this as well so it in case I have 5 student loans when I do n't

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08
Company: Experian Information Solutions Inc.
State: NY
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 been a victim of identity theft

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 2019-06-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/2019 {$370.00} Certified letters mailed to all three credit bureaus and debt collector stating they were reporting an incorrect balance and that is against the Fair Credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22
Company: Ad Astra Recovery Services Inc
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/2019 {$500.00} Certified letters mailed to all three credit bureaus and debt collector stating they were reporting an incorrect account number and that is against the Fair Credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22
Company: CITIBANK, N.A.
State: NY
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:
I Have 2 credit inquires that i believe its fraud The First One is by Best Buy credit card services Second one is by XXXX XXXX credit service never applied for any of these credit cards to have inquires from these companys can you help please thanks

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 2020-04-30
Company: Resurgent Capital Services L.P.
State: NY
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've been working diligently to improve my credit, despite having difficulties with collection agencies in the past. I've done my research and educated myself on debt collection practices and how to manage my personal finances better. I've been saving for quite some time to pay off my accounts in collections now and finally did. This was difficult as the collectors were unwilling to work with me at times. That said I was able to pay off the accounts owed in hopes of starting with a new slate on my credit. The collection agencies in question have not removed the accounts from my credit report yet resulting in my credit being damaged because of it. They informed me that they would stop reporting the accounts but haven't.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: EQUIFAX, INC.
State: MS
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 have a bankruptcy that has been on my report since 2013, I am wanting to see if I can get it removed early. it is suppose to come off in XXXX of this year

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/2019 {$370.00} Certified letters mailed to all three credit bureaus and debt collector stating they were reporting an incorrect balance and that is against the Fair Credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In early XX/XX/XXXX, I rented a vehicle from XXXX in XXXX XXXX. When I arrived to pick up my confirmed reservation, no such vehicle was there, and I was told I could only take a substantially different/ lesser vehicle ( the book value about 35 % of the one I reserved ). The total rental was for around {$680.00}. When the vehicle was dropped off in XXXX some days later, the XXXX facility refused to provide any receipt. Instead, I noticed a charge on my Bank of America credit card for {$1200.00}. I immediately filed a dispute with Bank of America. On XX/XX/XXXX, I received a letter from BofA that they were " working on [ my ] claim '', and there was " nothing [ I ] need to do right now- we'll give you an update as soon as we complete the claim process ''. 

Having heard nothing further in 5 months, on XX/XX/XXXX, at about XXXX XXXXXXXX XXXX, I called BofA customer service to find out the status of my dispute. After being shuttled around by various, completely unhelpful agents, I was finally told, some response had previously been sent to me ( nothing I ever received ), that they could provide no further information concerning what that response had been, and I would have to telephone their " merchant relations '' dept. the following Monday, as said department only operated M-F, XXXX XXXX XXXX  ( a bit odd for a national bank having its roots in California ). Adding more insult to injury, the BofA representative could not even provide a direct contact phone number for their " merchant relations '' dept. 

It is beyond absurd that a national bank, doing business in all four time zones, can not provide the most basic of information to a customer who has previously disputed a charge.

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 2018-01-12
Company: LoanCare, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX I sent Loancare {$200000.00} to recast my loan. The {$200000.00} was applied to my loan on XX/XX/XXXX.  This brought my loan balance to 47 % of the original loan. On XX/XX/XXXX Loancare deducted {$130.00} from my escrow for mortgage insurance. I assumed this might be for XX/XX/XXXX and ignored it. On XX/XX/XXXX Loancare deducted another {$130.00} from my escrow for mortgage insurance. On XX/XX/XXXX I sent an email to Loancare 's support and asked why they are still deducting mortgage insurance when my loan is at 47 %. On XX/XX/XXXX I received this resonse " We have received your recent inquiry in regards to your mortgage account. Our records show that your records show that your recast modification is set to start on XX/XX/XXXX. '' I sent another email telling them that did not answer my question that the recast has nothing to do with my present loan balance. They did not respond. On XX/XX/XXXX I called customer care and the representative told me I needed to send an email to cancel the PMI. On XX/XX/XXXX I sent an email to support to cancel my PMI and return the mortgage insurance funds back to my account. I did not get a reply. On XX/XX/XXXX Loancare deducted another {$130.00} from my escrow for mortgage insurance. On XX/XX/XXXX I called customer care again. I talked with XXXX # XXXX. I asked him if I could talk with a manager to get the mortgage insurance payments refunded. He said I ca n't talk with a manager but he sent an email to his supervisor who would get back to me in XXXX or 4 days. I did not get a response. On XX/XX/XXXX I called customer support. I talked with XXXX # XXXX. She told me it would be taken care of by Mid XX/XX/XXXX. I asked her to see if it could be escalated since I am refinancing. She told me to call back XX/XX/XXXX. I called customer support XX/XX/XXXX and talked with XXXX # XXXX. She told me they were not going to refund the mortgage insurance payments.

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 2018-06-14
Company: CNG FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
XX/XX/2018 My work was called regarding a debt that I have. I have never given them this contact information and have called them before and asked them to stop calling my family members.

Company response to consumer: Closed with explanation