BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-03
Company: BARCLAYS BANK DELAWARE
State: CT
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 received an arrangement with Barclays card. Paid the bill over 4 months ago. Have a check copy from my bank and a bank statement reflecting that the amount of XXXX, XXXX was paid and the company refused to clear my account saying that an investigation has to be done but it will take 60 to 90 days. Thats not fair that I have to wait almost 7 months for them to clear my credit. I need to buy a house. Please help me. I can give you copies of information. Thanks XXXX XXXX I need to buy a condo to live or will be homeless

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 2017-11-12
Company: BARCLAYS BANK DELAWARE
State: AL
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 XXXX XXXX, XXXX, I pulled a copy of my credit report and found 2 inquiries that I didnt authorize, 1 of which was dated XXXX XXXX, XXXX. These alleged inquiries have caused a drop in my credit score. I have reached out to both companies to have these removed to no avail.

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 2020-02-17
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
According to the Fair Debt Collections Practices Act a third party collection agency must be bonded in the state where they are attempting to collect a debt. ARS ( Account Resolution Services ) located at XXXX XXXX XXXX in XXXX, Florida XXXX is reporting a medical collection in the amount of {$530.00} on my credit report, but they are not bonded in my state of residence ( Texas ) to collect debts, therefore, this should be removed immediately from my credit report and they should stop any collection attempts immediately. I have contacted them at least three times and each time I tell them that I have checked with the Secretary of State in Texas and confirmed that they are not bonded they simply transfer me to a voicemail, yet this collection remains on all three credit reports.

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 2017-11-12
Company: PNC Bank N.A.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage account with PNC bank and established an online account access with them. For some reason my online access has been revoked. When I called them why I cant access my account they told me that I dont have an account with them. I have been making payments to them for more than a year now. Im not sure why they are saying my account doesnt exist while Im making my payments on time. My original account was with XXXX mortgage company but for some reason they transferred it to PNC bank and sent me a letter stating that I should send my payments to PNC Bank which I have been doing for more or less 2 years now. Im really worried if Im scammed by PNC bank in deceving me to making payments to them when there is no account. I dont what will happen to my house, not sure who to trust or whom to pay. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-12
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX/XXXX/XXXX I sent out certified return receipt a letter to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX requesting verification of a debt which was signed for by their office on XXXX/XXXX/XXXX ( letter and receipt attached ). In the letter it detailed that they had 30 days to respond pursuant to the Fair Debt Collection Practices Act with validity of the debt. As of XXXX/XXXX/XXXX I received no response and sent follow up correspondence on XXXX/XXXX/XXXX offering a chance to rectify this error on their part which was signed for by their office on XXXX/XXXX/XXXX ( letter and receipt attached ). The office did not respond to me until the letter dated XXXX/XXXX/XXXX XXXX attached ) which was after 30 days have passed, and not received by me until XXXX/XXXX/XXXX. The letter did not address the request from the original letter from XXXX/XXXX/XXXX or subsequent letter from XXXX/XXXX/XXXX. Furthermore, the response was sent after the 30 days expired which is outside of the window in which they were required to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hello, Im trying to get the information on my file deleted. The items listed on my report are the ones I need deleted. I am a victim of identity theft and I did not make the charge. I asked for the items to be deleted to correct my credit. I also reported the theft of my identity to the federal trade commission and I have copies of the federal trade commissions identity theft affidavit. I would really appreciate it if you can delete those items as soon a you can as it is holding me back. Im trying to improve in my life by getting things situated to help provide for me a my kids. 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 2022-08-12
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:
Im submitting this complaint to inform you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
The following items listed below are unknown to me. 
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX TX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00}, XXXX  XXXX Balance : {$0.00}, XXXXXXXX XXXX XXXXXXXX Balance : {$43000.00}, XXXXXXXX XXXX  XXXX Balance : {$2400.00}, XXXXXXXX XXXX XXXXXXXX Balance : {$10000.00}, XXXX XXXX XXXXXXXX Balance : {$6600.00}, XXXX XXXX  ( Original Creditor : XXXX  ) XXXX Balance : {$100.00}, XXXX XXXX ( Original Creditor : XXXX XXXX Balance : {$550.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00}, XXXX  XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX TX ) XXXX Balance : {$1500.00}, XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX Balance : {$14.00}, XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$5.00}, XXXXXXXX XXXXXXXX  ( Original Creditor : XXXX XXXX XXXX Balance : {$540.00}, XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX Balance : {$22.00}, XXXXXXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2019-04-11
Company: Synovus Bank
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hello I was just writing in regards to some accounts that were settled and satisfied. but the creditors are still refusing to remove them from my credit reports. this is causing alot of problems for me to get approved for a loan. I asked for the accounts to be remove permanently. please help me with this if you can. thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have tried to communicate with Portfolio Recovery Associates, LLC via certified mail on this particular account for the past three months. I have requested Portfolio Recovery associates, LLC to remove this incorrect account from my credit report. I have asked Portfolio Recovery Associates, LLC also to provide any documents bearing my signature showing that I have a legally binding contractual obligation to pay them the exact amount claimed. I have also asked Portfolio Recovery Associates, LLC to provide names, Addresses and telephone numbers of each person contacted regarding this alleged account. I have told them via certified mail, that one of their employees signed for, that I any automated or XXXX verification is unacceptable. As of this date of complaint that I am filing with you, I have not received any documentation. The only response I have received back is that Portfolio Recovery Associates, LLC has verified and closed the case.

Account Name and address is Incorrect that is on the bill they are saying is mine. 
If not resolved I will be forced to file in small claims court.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17
Company: Amsher Collection Services, Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I was contacted by Amsher Debt Collection, the issue is that I dont have a contract with this company hence I should not be harrassed the way I have been for weeks now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17
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: Information belongs to someone else

Complaint:
All three credit reporting agency 's are reporting incorrect information on credit report. 
They are reporting accounts from XXXX XXXX  for auto loans that belonged to a corporation that was dissolved 3 years ago. I can not be held personally responsible therefore they should not be reporting these on my credit report. As they were assigned to the corporation XXXX XXXX XXXX XXXX. 

Experian 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 2020-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
All three credit reporting agency 's are reporting incorrect information on credit report. 
They are reporting accounts from XXXX XXXX  for auto loans that belonged to a corporation that was dissolved 3 years ago. I can not be held personally responsible therefore they should not be reporting these on my credit report. As they were assigned to the corporation XXXX XXXX XXXX XXXX. 

XXXX  transunion 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 2019-06-18
Company: BMW Financial Services NA, LLC
State: WA
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 or about XX/XX/2019, I logged in and made our XX/XX/2019 car payment to BMW Financial Services. This payment cleared and was taken out of my XXXX bank account on XX/XX/2019. However, BMWFS did not credit the payment to our account until XX/XX/2019. This resulted in a 30 day late payment appearing on my credit report. I notified BMWFS about this error and they stated they would not correct the credit report. 

I have attached a copy of my XXXX bank statement as evidence that the XX/XX/2019 payment cleared my bank account on XX/XX/2019. Therefore, the payment would have been made prior to XX/XX/2019, not after ( as they are claiming ) My account number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-12
Company: DISCOVER BANK
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I previously submitted a complaint involving Discover Card. 
They are reporting on all 3 credit reporting agencies that I have a balance of {$6000.00}. 
At one time they were reporting that the balance was {$330000.00}. 

I received a letter from the attorney 's involved in the matter and they are saying that the amount that is due is {$3400.00}. I have contacted the attorneys concerning the matter. I have offered to pay only with the guarantee from them that this account be deleted from my credit report. Dispite several letters, I have had no response. 

Please see attached file which is the letter from XXXX XXXX XXXX. It clearly states that the balance due is {$3400.00} ... .not {$6000.00} as reported on the credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17
Company: ERC
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I was contacted by XXXX XXXX XXXX, the issue is that I dont have a contract with this company hence I should not be harrassed the way I have been for weeks now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
All three credit reporting agency 's are reporting incorrect information on credit report. 
They are reporting accounts from XXXX XXXX  for auto loans that belonged to a corporation that was dissolved 3 years ago. I can not be held personally responsible therefore they should not be reporting these on my credit report. As they were assigned to the corporation XXXX XXXX XXXX XXXX. 

XXXX  XXXX  Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-12
Company: M&T BANK CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX/XXXX/XXXX I attempted to use an M & T bank branch ATM. I tried to withdraw XXXX $ from my checking acct with a balance of XXXX XXXX The ATM took a long time, deducted the XXXX $ from my acct and never disbursed it. The receipt showed the money dispensed but never did and the monies were deducted from my acct. I have had two phone conversations with m & t bank since and they tell me it will require a lengthy investigation that I can not wait for as I have pressing financial issues and live paycheck to paycheck. Essentially they stole XXXX $ from me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17
Company: CAINE & WEINER COMPANY, 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: Reporting company used your report improperly

Complaint:
I get harassed daily, I am over the constant calls and emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17
Company: Kriya Capital, LLC
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: Reporting company used your report improperly

Complaint:
I get harassed daily, I am over the constant calls and emails.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-29
Company: Experian Information Solutions Inc.
State: MA
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 have entered into a settlement with this company. I have XXXX remaining and the account is still adversely reporting on my credit. I have reached out to the company many times to ask if they can remove the account or update it into a positive status and they will not honor my request. I have successfully paid off one loan with the company and they will not remove the loan which I have already paid. I would like to have all data in regards to this company removed from my report as soon as possible. 

This is being reported every month as delinquent and hurting my credit score and in turn, preventing me from moving forward in my life. I intend to make my last 5 payments. Which is for XXXX each for 5 more months. I need this account removed. 

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 2019-06-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made a purchase for {$59.00} on XX/XX/XXXX. I paid the bill through on line banking on XX/XX/XXXX. The purchase was still on the statement that I received in XX/XX/XXXX along with a late fee and interest. On XX/XX/XXXX, I sent a letter to Capital One with documentation from XXXX XXXX  that the bill had been paid. On XX/XX/XXXX, I was advised that the matter was being investigated. I was asked for documentation from XXXX again and sent it to a fax number that had been given to me by a customer service representative. On XX/XX/XXXX, I received a letter telling me that the dispute was closed since Capital One had not received a response to its prior letter for more information. When I called, I was told that the customer service person had given me the wrong fax number. I faxed all documents to the new fax number that was given to me on XX/XX/XXXX. On XX/XX/XXXX, I called to ask for status. I was told that I had to get a transmission form from XXXX XXXX  and I was given a fax number for the form ; form sent on XX/XX/XXXX. When I called on XX/XX/XXXX, I was told that the form was not received because the fax number was incorrect. On XX/XX/XXXX, I was in a conference call with Capital One and a representative of XXXX. XXXX faxed proof of payment to Capital One. As of today, XX/XX/XXXX, Capital One states that the proof of payment from XXXX was not received and that my original payment did not have the complete account number on it so the money paid was not credited to my account. XXXX has advised that the complete account number was on the electronica payment made on XX/XX/XXXX. My {$59.00} purchase now has become {$250.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 demanded that the following accounts be removed from my credit report : XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX 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 2020-02-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery Associates continues to harass and defame me by continually calling me on the telephone over an alleged debt. I mailed two Debt Validation Letters to Portfolio Recovery Associates on XX/XX/2019 and XX/XX/2019 via Certified Mail and Return Receipt Requested ( see attached letters ). Portfolio Recovery Associates has failed to provide any physical verification. Portfolio Recovery Associates submitted false and erroneous credit information to XXXX, XXXX, and XXXX. This false and erroneous information has caused me severe problems by being denied credit, apartment rentals, and employment opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: Foreman Financial Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Hi I received a truck loan from this company in XXXX this company reported that I received the loan in XXXX. I did not sign any documents or contracts with this company in XXXX I surrendered the vehicle theyre showing a repossession on my credit and they continue to update my file on purpose lowering my XXXX XXXX. The companies name is Forman financial in XXXX XXXX California. I submitted a complaint with the credit bureaus they said the information is correct its not correct. 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