BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I pulled my credit reports and to my amazement, saw that you report this account with multiple lates. I also have no knowledge of this account. I disputed this information with XXXX  and the results of the investigation came back " verified ''. Not only am I late on any of mu bills with any creditor, would never be late on this account if I had one with you, but according to the Fair Credit Reporting Act ( FCRA ), as the information furnisher, you are required to notify me of the insertion of negative listings. Since I have disputed the late payments and no knowledge of this account with the credit bureaus, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. Under the FCRA, you are required to conduct an investigation on this account if I request it. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-23
Company: ERC
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 status incorrect

Complaint:
My XXXX Rewards Master Card ( ending in XXXX ) has been chargeoff on XX/XX/XXXX.  I was contacted by the collection Agency for XXXX XXXX ERC for a settlement of 42 % of the debt balance being {$3600.00}. I made payments of the settlement amount totaling XXXX, XX/XX/XXXX being the last payment amount. The account has been settled in full with ERC and was told that XXXX Bank Delaware would update the settled status. However looking at my Transunion report the account just shows the recent payment of XXXX and the account is listed as charge off, It should have a balance of XXXX dollars and be settled, and no longer delinquent. XXXX Bank is not reporting accurately even after making my settlement amount. ERC has collected the whole settled amount for XXXX Bank but XXXX Bank is not reporting the correct status even after payment reception.The account settled in full and no longer delinquent and I am no. longer obligated to any debt with XXXX Bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Pursuant 15 U.S. Code 1666b A creditor may not treat a payment on a account under an open end consumer credit plan as late for any purpose. 
XXXX XXXX XXXX/ XXXXXXXX XXXX XXXX  ACCOUNT # XXXXXXXX XXXX XXXX XXXXXXXX on XX/XX/2022 I contacted XXXX XXXX XXXX about my hardship cause by covid-19 I spoke to a agent she promised me that the late payment would be remove and late fee due to the CARES ACT. 
upon reviewing my consumer report on XX/XX/2022 I seen that my account was flag for a late payment from the credit card company. ive then attempted to contact the company and ask why this was being reported, I told her this information was inaccurate because I was promised that the late payment would've been remove and late fee wave the lady told me all that was done was the late fee and she cant help me because I would've to contact the consumer reporting agencies to file a dispute to have it remove I have since contacted the XXXX, Transunion and XXXX all 3 of those companies undated my file XXXX accurate, I called XXXX XXXX XXXX/ XXXXXXXX XXXX XXXX  for the 10th time and that's when the chaos started with they agent being rude and hanging on my face telling me there's nothing they can do! I'm reaching out to the CFPB and OCC to help me with this matter.

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 2021-06-07
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I paid back {$600.00} already the amount of over {$1300.00} is interest of money that i did not receive when I had credit card active. Everytime I call XXXX young guy answer phone always refuse me to talk to manger hangs up phone he never want to give me a reasonable amount to pay midland credit made the amount over 1,300 there selfs thats a complete scam they never let me talk to managers its ruin my credit score complete scam.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-16
Company: Santander Consumer USA Holdings Inc.
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XXXX XXXX MUST RE-INSERT THE ACCOUNT BACK INTO XXXX CREDIT FILES ONLY. THIS ACCOUNT WAS DELETED IN ERROR.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These are fraud, I didnt benefit, apply for, and authorize these accounts. 

XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX/XXXX is fraudulent on my credit Account # XXXX Experian and XXXX credit bureaus keep putting these fraudulent accounts back on my credit. These have been reported and claimed to be not mine.

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 2021-06-07
Company: Remitly, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I was sending money to a Medical Doctor Office for payment on services. I thought I could use remitly instead of going to my bank. Upon sending the deposit on XX/XX/XXXX I received a email from the doctors offices stating that my deposit was rejected because I did not send payment in the form of a wire transfer. I was advised from the doctor office to cancel the payment through remitly which I did immediately upon finding out that that form of payment was not accepted. Unknown to my knowledge remitly flag my account with them as fraud suspicious activities. I requested for them to refund my money because the Doctor cant use Remit as any form of payment and it must be provided through wire transfer through my bank. Remitly answer was for me to dispute it through my bank to get my funds back. I dispute it through my bank and remitly send them the response of that the transaction was completed and no refund will be issued. I then once again provided email and correspondence from the party I was sending funds to that explained remitly CAN NOT BE USED. Remitly is now refusing to refund my money until after 90 days

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
On XX/XX/2020. I went to XXXX ATM. XXXX XXXX. XXXX. Time XXXX / XXXX. XXXX : XXXX XXXX, CA I selected to withdrawal {$730.00}. I choose the denomination bills. 7 $ XXXX, 1 {$20.00} and 1 $ 10.The ATM only gave me 8 $ XXXX and 1 {$10.00} bill. Equal to {$170.00} I was in disbelief. I proceed to try again and the ATM said I had reached my maximun withdrawal limit. I ran to the bank since ATM was outside the branch location. Bank was closed. So I called customer service. They transferred me to the claim department, After 3 hours waiting on the phone. The call disconnected. I called back the next day. finally, I filed a claim. I even went to the bank spoke to the manager and she told me that XXXX debit cards are handle different and to call the claim department. I called back few days later and they told me my claim was denied. I am so stress. I am missing {$560.00}. How can this be possible. ATM should have been over the next day when audited by the agency or the bank. The Claim department said ATM was fine. No one is helping me. I have waited hours on the phone with XXXX claiming department. They seem to care less. Please help me out. I have been unemployed for almost 7 months.

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 2019-09-11
Company: Tennessee Quick Cash, Inc.
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
On or about the end of XX/XX/2019, I received a line of credit at Tennessee Quick Cash. My limit is about {$3000.00}. The problem is that I'm making almost {$800.00} per month payments and less than {$100.00} is going to principle. This is usury and I'll never pay this off. 

They are taking on HIGH daily interest as well as a " customary fee '' which is 90 % of my loan payment. I don't even know what this is or means. It's not categorized as interest.

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 2017-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I CONSTANTLY CHECK MY CREDIT FILE NOW AND I LOOKED AT MY REPORT AND NOTICES A LOT OF ACCOUNTS THAT JUST POP UP ON MY CREDIT FILE ( WOW ) THESE ACCOUNT TRULY DO NOT BELONG TO ME I HAVE CONTACTED XXXX  IN REGARD TO THIS MATTER VIA CERTIFIED MAIL AS WELL AS NOTARIZED AND THEY STILL HAVE NOT DONE ANYTHING WOULD THIS HAVE TO DO WITH THE XXXX BREACH? IF SO WHY WANT THEY HAVE SYMPATHY FOR THE CONSUMERS WHEN WE TELL THEM THE TRUTH THE CREDIT BUREAUS SUPPOSE TO PROTECT THE CONSUMERS XXXX DO NOT DO ANYTHING AT ALL TO HELP THE CONSUMERS ALL IT TO THEM IS A MONEY MARKET

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 2018-05-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX continues to call me. I owe around {$480.00} on a credit card debt and the debt has been passed to them. As of and including today, XX/XX/2018, they have called at least once if not more every single day. I requested they communicate only through mail. They have not complied. I requested they stop contacting me, and that further contact would be considered harassment. They attempted to tell me they could call any time they wished and that it wasnt harassment. I also have been unable to get any information on disputing the debt from them, they will not provide it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-28
Company: Harley Davidson Financial Services Inc
State: LA
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:
I was a cosigner on an account the other individual declared bankruptcy and claimed this vehicle in his bankruptcy without my consent. The account is still being reported as active and monthly payments due. I had no say in this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: Collection Bureau of America Ltd.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have tried on numerous occassions to get Collection Bureau of America to remove the collection item that it has placed on my credit report with XXXX. I paid the balance in full in XXXX of 2019. They have since added the item as a collection account on my XXXX report and refuse to remove the item after they stated they would get it removed. In addition, I have written a total of 3 letters to the XXXX and have received no results as they are stating to me that this company has verified it as being valid. Please, pleasse, please help me get this removed as it has been and is still being detrimental to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: Capitol Credit Services, Inc
State: IL
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:
I am a XXXX women. Yesterday I attempted to contact XXXX XXXX to find out what the problem was. And why my account is XXXX balance with a {$15.00} credit yet I can not charge. Anything over {$9.00}. I was in formed XXXX XXXX had not released the funds. Yet my account reflects they took the money out of my account XX/XX/2019. The Tech handling my called informed it will not be released until Friday XXXX. I received false alerts like my account is updating. Yet it cant be used. How can you constitute this as a rebuilding process for credibility when it is being manipulated. Yet if I dont pay or choose to manipulate the process it is counted against me. And the company continues their practices to manipulate my integrity with alerts or delayed payment process. Thr accusation the account is negative. When I actually have {$310.00} in credit for use but can not use. How is this a rebuilding as advertised a credit card resource to establish.

Company response to consumer: Untimely response
Consumer complaint received 2018-12-16
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
My XXXX XXXX credit card was paid off, XXXX balance in XXXX XXXX. XXXX. XXXX reported to the credit bureaus my acct was past. In XXXX XXXX, XXXX. XXXX reported the acct 90 days past due. In XX/XX/XXXX, XXXX XXXX reported they charged it off as a bad debt. The credit bureaus post this inaccurate information, failing to recognize it has a XXXX balance. I disputed the info to XXXX in XX/XX/XXXX, File noXXXX. XXXX. XXXX responded to XXXX acknowledging the account was paid off in XXXX XXXX. Eight months later, XXXX. XXXX still has not contacted the credit bureaus and acknowledge their error. The erroneous info is still on my credit report and has caused my credit rating to fall by 50 points and my credit limit to decreased on my XXXX card. This inaccurate will remain on my credit report for seven years. XXXX. XXXX has knowingly and purposely caused negative affects to my credit 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 2018-12-17
Company: Ditech Financial LLC
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:
I HAVE A DITECH LOAN IN MY NAME ACCOUNT NUMBER XXXX BALANCE IS XXXX. 

IM DISPUTING THIS ACCOUNT BECAUSE I WAS PROMISED THIS ACCOUNT WAS SUPPOSE TO BE DELETED FROM CREDTI REPORT, AND DITECH PROMISED ME. 

PLEASE DELETE THIS ACCOUNT FROM MY CREDIT REPORT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: SYNCHRONY FINANCIAL
State: PA
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 was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XXXX and XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to 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 2018-05-17
Company: Experian Information Solutions Inc.
State: SC
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

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 2020-05-28
Company: MARINER FINANCE, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I couldnt pay the loan and the car was a lemon, now theyre just doing hard inquiries on my credit without my consent. 
Mariner finance located in XXXX pa.

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 2020-08-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
PORTFOLIO RECOV ASSOC # XXXX stated they sent me a letter with the opportunity to dispute this debt. I did receive any information with the opportunity to dispute the, per FCRA. I request Portfolio Recovery to prove they sent letter which provided me the opportunity to dispute. 

Therefore, please send a copy of an " CERIFIED MAIL RECIEPT '' that has my signature stating I receive the mail and had full knowledge of such debt. Anyone type up paperwork, that does not mean anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortage was purchased by a XXXX XXXX finance company. They hired Select Portfolio Servicing to service the loan. 
I received excessive requests from SPS for information that they should already have from XXXX XXXX, whom they purchased the mortgage from. 
The problem originated with proof of flood insurance coverage. I have had a rider on my homeowners policy for 15 years providing coverage for flood damage. They could not understand that there was not a seperate policy. I made two phone calls to their automated system, fighting through it to speak with someone, and put them in contact via three way calling with my insurance company. Still I received a letter threatening to impose a third party flood insurance policy at my cost. Again I spent an hour on the phone, and was assured that the problem had been resolved, ignore the letter, you will get a letter indicating so, etc. etc. 
Then I get a letter claiming a lapse in coverage and a cost to me of {$21.00}. Again I make a call to their automated phone system, fight through it to get a human being, and by now I am furious, and am currently on hold for 24 minutes and counting.... 
Select Portfolio Servicing is not only incompetent, but they have pathetic customer service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-16
Company: NRA Group, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
i reported that this account was a result of id theft but they ignored my report and keep reporting as my debt National Recovery Agency is negligent in this transaction and shout pay a heavy fine for ignoring my request

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-16
Company: National Credit Systems,Inc.
State: CA
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:
I summited 4 rounds certified verification letters FCRA SECTION 609 ( a ) ( 1 ) ( A ) to ( XXXX XXXX, XXXX, XXXX ) and a debt collection verification letter certified to NATIONAL CREDIT SYSTEM certified letter sent to XXXX XXXX XX/XX/XXXX. AMOUNT OF UNVERFIED DEBT {$2600.00} CERTIFIED LETTER SENT TO XXXX ON XX/XX/XXXX CERTFIED LETTER SENT TO XXXX  XX/XX/XXXX DEBT VERIFICATION CERTFIED LETTER MONTH OF XX/XX/XXXX TO NATIONAL CREDIT SYSTEM. I DID NOT GET A RESPONSE FROM THE DEBT COLLECTOR ON THIS UNVERFIED " DEBT '' ALL THREE AGENCY SENT " VERIFIED '' AS A RESULT OF THE VERFICATION I SUMMTITED SECOND ROUND OFLETTERS TO ALL THREE AGENCY ( XXXX, XXXX, XXXX ) IN THE MONTH OF XXXX THE RESULTS WAS THE SAME " VERFIED '' I SENT A THIRD ROUND OF VERIFICATION LETTERS AS WELL AS METHOD OF VERIFICATION TO ( XXXX XXXX, XXXX XXXX ) IN THE MONTH OF XX/XX/XXXX AND AGAIN IN XX/XX/XXXXAND NEVER HEARD BACK FROM ANY OF THE CREDIT AGENCY.

Company response to consumer: Closed with explanation