BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
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:
Hello, I had disputed some accounts to be removed from my credit report by all three credit bureaus between on XX/XX/XXXX through XX/XX/XXXX. I have already contacted all three credit bureaus as well as the company that is reporting on the accounts. Please refer to the attachments. The original account names were XXXX XXXX XXXX XXXX| Account Number XXXX XXXX XXXX XXXX XXXX| Account Number XXXXxxx XXXX / XXXX / XXXX Account Number XXXX PORTFOLIO RECOVERY ASSOCIATES| XXXX XXXX XXXX xxxxxxxxxxxx XXXX XXXX XXXX XXXX| xxxxxxxxxxxx XXXX XXXX xxxxxxxxxxxx XXXX I have reached out to these companies stating that these accounts have nothing to do with me. They once again are charging me for it. I have sent proof and notarized letters to all three-credit bureau. Please help me out. I have reached out to XXXX, XXXX and XXXX. They are not wanting to help even with the proof that has been provided. I am even having issues with XXXX XXXX XXXX  Account Number XXXX**** over my school loans, I attended XXXX XXXX  from XXXX, they made me take put loans and even promised me internships and jobs but did not deliver. The school closed down and none of the credits are transferrable to other colleges. They even made my mother take out a separate loan, were still stuck trying to figure out how we ended up with multiple loans. Once again please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
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:
I need some help with my credit file there is a issue with my information not being correct. 
I am applying for a new job and my correct DOB is XXXX my correct SS is XXXX. My current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX. PLEASE DELETE THE FOLLOWING INCORRECT ADDRESSES : XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX CT, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX There is a account on my credit that I never done business with from XXXX XXXX # XXXX. I have never had a XXXX Credit card in my life. 
There was a issue with someone using my ID or credentials to apply for credit/loan I have never apply for credit with the following companies : XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: EQUIFAX, INC.
State: AR
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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX {$18000.00} XXXX   XXXX {$2200.00} XXXX XXXX {$750.00} DEPTEDXXXX XXXX {$3500.00} DEPTEDXXXX   XXXX {$5500.00} XXXX XXXX {$5500.00} DEPTEDXXXX XXXX {$4500.00} DEPTEDXXXX   XXXX {$3000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: Rocket Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I recently refinanced my home loan, the purpose was to escrow my insurance and taxes. Later I found out that was not done, I even asked the notary before my signing. I believe I was deceived and taken advance of because of my age. My payment is higher and my taxes and insurance was not set in an escrow. The company paid the first year of taxes and insurance but told me I would have to pay them back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: JPMORGAN CHASE & CO.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I used XXXX ( XXXX ) through my chase app to pay someone for concert tickets. Turns out the person was a scammer and did not send me any tickets for my payment of {$280.00}. I have filed a claim with chase and they have told me that there is nothing they can do other than wait for a response from XXXX. I call XXXX and they tell me that there is nothing they can do. I just find it hard to believe that both Chase, who Ive been banking with for years, cant do anything to recover the funds. Im getting very frustrated since no one can do anything to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
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:
Recently, I did an investigation on my report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my cred it reports and Under 15 U.S Code 6181e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report.

As a consumer, I request to know the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification Description of reinvestigation procedure.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
To : whom it may concern I wish the inaccurate information be removed from my consumer report : The name of the man, woman and or person responsible for reporting, an alleged bankruptcy allegedly filed by me at UNITED STATES BANKRUPTCY COURT CENTRAL DISTRICT OF CALIFORNIA. I am requesting all written and or digital records of communication from the UNITED STATES BANKRUPTCY COURT CENTRAL DISTRICT OF CALIFORNIA verifying that I filed bankruptcy in this court alleged docket number XXXX allegedly filed on XX/XX/2019. 

I request that the documents be made available to me within 30 days of receipt of this request. 
Lastly I request the inaccurate unverified information be removed from my consumer report. I believe only verified information can be reported I also believe it is a violation of my rights as a consumer to report information from third parties with no first hand knowledge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-02
Company: NRA Group, LLC
State: RI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have filed a complaint previously, this company has yet to send me any documents regarding this collection so I can dispute it properly. It has been months now and I would like them to remove this debt from my report as it is not mine.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
A recent complaint to the Federal Reserve found itself here. This was by forwarding the complaint in my name to Consumer Financial Protection Bureau. 

Submitted to the CFPB on XX/XX/2021 XXXX The company has responded to my issue and called my phone number with verbal requests. 
My complaint is that the women servicing the complaint for Bank of America is not answering her voicemail. I called her right back after her first and only message to me. I have left messages for her everyday for weeks. She is not responding and I am concerned that Bank of America is ignoring my claims that it has attempted to sell assets such as repairable homes to single home investors for cash only. 

I am a first-time buyer looking for a home. I am currently living in a temporary housing area. It is not fair that the Realtor would not accept an offer by me or office. They were legally bound to place the home on the NJ MLS and advertised the property as not allowing offers. 

The Realtor told me that BoA has a private portfolio of homes it owns under BANA. He has ignored my legal right to purchase the home with government financing and blames the Bank of America owner for his discrimination. 

This second complaint is for XXXX found at phone number XXXX XXXX XXXX Ext. XXXX. Please have someone with means contact this girl as, she is ignoring the bureau!

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 2021-02-01
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 and XX/XX/2020 I sent a the same letter twice to each bureau about inaccurate and unknown inquiries and other information on my credit report. It's been over 60 days and I have not heard back from anyone yet. I am suppose to receive some sort of response in 30 days after an investigation. I thought maybe the letter was lost in the mail so I sent it in again certified mail to make sure each company received my letter. I did my research and this is a violation of of FCRA, as a consumer I should not have to deal with this. I just found out my information has been impacted by the XXXX data breach and I am doing my best to remain calm in this situation and not stress about the unknown things on my credit report. Please act fast before this become a legal matter. 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 2020-07-13
Company: DISCOVER BANK
State: VT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was an inpatient from XX/XX/2019 - XX/XX/2019 and under the responsibility of XXXX XXXX XXXX at the time any charges on my discover card was incurred i am not responsible for the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
Company: American Credit Acceptance, LLC
State: TX
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:
XXXX XXXX has reported my account delinquent on XX/XX/2020 before payment was due, then again on XX/XX/2020 after payment was made on XX/XX/2020. My payment is not 30 days past due and they reported again on XX/XX/2020. I understand if Im 30 days late they can report but multiple delinquent report with less than 30 days past due is a violation of reporting laws. I asked that they remove the incorrect reporting and I was told no. Please assist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
Company: Santander Consumer USA Holdings Inc.
State: TN
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 an auto loan serviced through Santander. The loan shows several false late payments on my credit report. These payments were never late and have been reported incorrectly. Santander recently settle a lawsuit which outlines they correct all negative information on a customers credit report. As well as XXXX the customers balance and release the lien and issue the title to the customer. None of which has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have contacted Bank of America and made them aware that they opened an XXXX XXXX credit card in my name fraudulently, but they have done nothing about it. I have sent them a fraud package and they have ignored it. They continue to threaten me that if I do n't pay the balance on the account that they allowed to be opened in my name fraudulently that they would ruin my credit and send the account to a collector. I was the victim of identity theft and accounts were opened in my name using my correct personal information that was obtained as a result of the identity theft. When I have told this to the representatives at Bank of America they have told me that they did not care and that I was still required the fraudulent account. They are violating my rights, defaming my character and harassing me relentlessly. I did not open this or any other account with Bank of America, but they continue to verbally abuse me and threaten me.
I have also disputed this with XXXX and the representative that I spoke to at XXXX cussed me out and called me a liar and told me that I was a XXXX XXXX XXXX XXXX I am tired of all of this abuse and defamation of my character and I want this stopped immediately, both of these companies are acting like vigilantes about a credit card they allowed to be opened fraudulently Partial Account Number XXXXXXXX

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 2018-10-03
Company: CITIBANK, N.A.
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XXXX XXXX - Citi Bank has not applied the payment sent on XXXX. The check has cleared the bank but the account has not been credited for the payment.

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 2019-03-11
Company: Midwest Recovery Systems
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
MIDWEST RECOVERY SYSTEMS has been attempting to contact me and harrass me over a payday loan i took out in XXXX, according to XXXX XXXX. 
I filed a chapter XXXX bankruptcy and it was discharged on XX/XX/XXXX. 
after contact with my lawyer they proceeded to hit my credit score on XXXX  illegally. 
the amount they are attempting to collect is {$880.00}. I spoke with a representative of XXXX XXXX on XX/XX/XXXX and they assured me this is a SCAM.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: CITIBANK, N.A.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
For nearly six months I attempted to gain access to my online account. Was unable to fir quite some time. A check was mailed in liu of the debt. The check only covered late fees every month causing my debt to be overdrawn simply because I could not get a hold of someone so I could make a payment

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have made all my payments for the year XXXX usually early to avoid paying such a high interest amount. I was 30 in advance of my monthly payment, I found out they were collecting interest on the payment even before it was 30 days due. I'm not too sure what my rights are pertaining to that matter but once I found out that I was being charged the early interest I started to make a payment as soon as the payment was posted on my account. I paid my payments so far in advance they would not allow me to make any more payments. Which was XX/XX/XXXX 's payment. My argument is if they can post XXXX 'XXXX  payment and collect interest on that payment I should have the right to pay that payment. Which I did over the phone and they accepted my payment and collected the interest off of that payment. They told me that the payment doesn't count as XXXX 'XXXX  payment and I will have to pay XXXX 'XXXX  payment. If they posted the payment and I paid the payment and they collected the interest on that payment can they do that?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX is listed twice. Same account different dates, past due etc. Ive tried MULTIPLE times with Experian. They wont even allow me to submit the dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: ENCORE CAPITAL GROUP INC.
State: UT
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:
Midland Funding is reporting a debt on my credit that is not mine. I recently checked my credit file and noticed this debt on there. It looks like they are trying to collect for XXXX XXXX. I have never opened an account with XXXX XXXX or any retail credit cards and this is someone else 's collection. I've had the same issue of receiving things for someone with a similar name. This debt is not mine and should not be reporting on my credit. I suggest Midland Funding finds who this debt belongs to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My Regions Checking account was closed without my knowledge or consent. I went to the local branch as directed by the Customer service representative. The representative on the phone told me they did not have the ability to unlock the account, but I could go into the branch and have it unlocked. I went down to the local branch on XX/XX/2020, at XXXX XXXX. I asked why the account was being closed? The branch manager joins in on the exchange between the banker and myself. I was given no reason besides fraud/security put a hold on it, and Regions Bank no longer wanted to handle my accounts. I was told the bank account wont close officially until the XXXX of XXXX. At which time they would then send a check and it could possibly take up to a month. I had a balance of {$500.00} and had inheritance that was deposited twice a month to that account from Regions investment. I am glad to be gone from that bank, but why cant I get my sooner?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: Trident Asset Management, L.L.C.
State: PA
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 wrote a dispute letter to Trident Asset Management to the address reported on my credit report. They have not responded. They have verified the information to the credit bureaus. I thought I was entitled to information? Isn't the FDCPA clear in that regard? Can you please help me?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: McCullough Payne & Haan, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I AM REQUESTING ALLL DOCUMENTATION FROM McCullough Payne and Haan, LLC XXXX. THIS INCLUDES ANY ALL ALL COMMUNICATION REGARDING XXXX XXXX XXXX XXXX, XXXX GA XXXX, XXXX XXXX XXXX XXXX, XXXX GA XXXX AND XXXX XXXX XXXX, XXXX GA XXXX. IN ADDITION, I AM HIGHLY RECOMMENDING ALL DOCUMENTS, LETTERS ETC BE SUBMITTED IN IT'S ENTITRETY MEANING ORIGINAL CONTENT, ORIGINAL DATE AND ORGINAL SIGNATURE. UNDER NO CIRCUMSTANCE SHOULD ANY MODIFICATION TAKE PLACE OR ANY DOCUMENTATION LEFT FOR SUBMISSION. SPOUSE 'S BANKRUPTCY NUMBER XXXX. RETAILIATION BY ANY PARTY IS NOT ENCOURAGED AS WE ARE RECEIVING MESSAGES REGARDING DEATH INDIRECTLY VIA MAIL FROM XXXX. THIS INCLUDES ANY ALL ALL COMMUNICATION REGARDING XXXX XXXX XXXX XXXX, XXXX GA XXXX, XXXX XXXX XXXX XXXX, XXXX GA XXXX AND XXXX XXXX XXXX, XXXX GA XXXX. IN ADDITION, I AM HIGHLY RECOMMENDING ALL DOCUMENTS, LETTERS ETC BE SUBMITTED IN IT'S ENTITRETY MEANING ORIGINAL CONTENT, ORIGINAL DATE AND ORGINAL SIGNATURE. UNDER NO CIRCUMSTANCE SHOULD ANY MODIFICATION TAKE PLACE OR ANY DOCUMENTATION LEFT FOR SUBMISSION. SPOUSE 'S BANKRUPTCY NUMBER XXXX. RETAILIATION BY ANY PARTY IS NOT ENCOURAGED AS WE ARE RECEIVING MESSAGES REGARDING DEATH INDIRECTLY VIA MAIL

Company response to consumer: Untimely response