BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portafolio Recovery Assocaites, LLC. Is calling me and send me statements for an account that I did not open and does not exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-09
Company: CAINE & WEINER COMPANY, INC.
State: KS
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:
Caine & Weiner # XXXX is in violation of my 30 day right to dispute. They added an item to my credit without any warning or proof of the item being mine. This should not be on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-13
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
EQUIFAX, XXXX  AND XXXX HAVE ALL PUT A EXTENDED FRAUD ALERT AND A PERSONAL STATEMENT ON MY CREDIT REPORT, WITHOUT MY CONSENT. I CONTACTED ALL companies and told them to remove the alert and personal statement asap because I did not request it. Furthermore they put a phone number on the alert for companies to contact me that doesn't belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-09
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am a XXXX XXXX XXXX XXXX veteran that was just affected by Hurricane Dorian under a mandatory evacuation. 

I am trying to save my home from foreclosure and sent in a 75 page loss mitigation workout package After I sent it they said there was a foreclosure sale date for XX/XX/19 and they would not review me because they didn't receive my application until XX/XX/19 just under the 37 day time frame they claim is required before a sale date I sent it by fax on XX/XX/19 but they took 2 days to process it and I should not be penalized for their delay

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding my rights that were violated on behalf of the consumer reporting agencies and it has been 60 days later and I have still not received a response. This is really disheartening and Im starting to feel like Im being taken advantage of and my disputes are being ignored. The law specifically states in Section 611 ( a ) that a failure to investigate these items within 30 days gives a reason to immediately be removed from my credit report and its been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the embarrassment of my reputation and the stress this has caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I used XXXX to sell XXXX bitcoin to a verified buyer on XX/XX/. The buyer paid me {$220.00} for the bitcoin I sold him/her via paypal. On XX/XX/XXXX, the buyer made a cashback request. I submitted 4 documents of proof of the transaction from localbitcoins including proof showing that the buyer has performed the same scam to quite a number of other sellers resulting in his/her account getting banned by the staff. I also submitted a note explained what happened. After review, paypal has returned the money to the seller and I was wronged. I called paypal explaining the situation and they said that they went through their bank. I asked paypal what bank the buyer went through so I could dispute it through their bank and Paypal declined to give me the information. I am extremely upset because I've provided more than enough proof and this person has and will scam a number of other people and paypal is only enabling this kind of fraud. This is a serious issue that needs to be addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-13
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
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: Account status incorrect

Complaint:
Years ago I detected companies I paid to XXXX were reporting my accounts as closed except for 3 out of many, why, I was told by some that's because I renewed my loan. 

I responded, l have a balance whether renewed and the old account information should not be serviced as a different account, it should never have been reported to the credit bureau I was ignored! 

After several years companies are reporting updates of closed accounts year after year after year! Which allows them to stay on my report forever instead of being deleted! 

They are using my credit report to input information without authorization for defamation purposes. 

I have open accounts being reported and the same account is being reported as closed. 

In some cases, the company changed their names and are reporting closed in 3 different company names and opened at the same time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05
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: Their investigation did not fix an error on your report

Complaint:
My credit score from TransUnion dropped 121 points on XX/XX/2021 with NO negative reports on my credit score. I have tried to resolve this with them directly but they can not explain the drop. I will be harmed financially if a creditor checks my report with TransUnion for a new loan. 

This is the second time this has happened in the last 45 days with the last drop of over 60 points for no reason and no explanation. Upon my calls, the issue just went away again with no explanation. The fact that my score can be rated at XXXX XXXX a D ) will harm me financially with lenders, car insurance analysis, employers.

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 2018-06-25
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I closed a safe deposit box with Wells Fargo in XX/XX/XXXX. When I closed my checking account with Wells Fargo they took a safe deposit box fee from my account ( {$30.00} ) when I no longer had the box and no fees were due. I have tri d calling and filling complaints withe their corporate office but no one has responded to my complaint. I have called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Total phone time with their representatives is about 3 hours and I still get no resolution or phone call back.

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 2019-09-09
Company: Experian Information Solutions 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:
inaccurate information on credit report. This is a FTC violation XXXX XXXX on XX/XX/XXXX {$13000.00} - FTC violation B of A/FIA card services on XX/XX/XXXX {$2300.00} -FTC violation XXXX XXXX on XX/XX/XXXX {$3900.00} -FTC violation XXXX XXXX  on XX/XX/XXXX {$5700.00} - FTC violation XXXX XXXX XXXX XXXX XX/XX/XXXX {$21000.00} - FTC violation XXXX XXXX XXXX on XX/XX/XXXX {$21000.00} -FTC violation Contact all above companies to have inaccurate information remove. Have made attempts, no response.

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 2021-06-05
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:
There are two accounts on my credit report that do not belong to me I have tried disputing these with the bureaus and the frnsihers since 2019 and nothing I mean nothing is being done or said!!! I need help please this is identity theft and nobody cares to address it!! 

Account Name : XXXX Account Number : XXXX AMT {$1200.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX AMT {$310.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
My bank has informed me that there is negative information reported by : Bank of America included in the file XXXX maintains under my Social Security Number. Upon ordering a copy of the report, I see entries from this bank listing ACCOUNT ABUSE in XX/XX/XXXX & XX/XX/XXXX. I do not recall having an account from this bank in XXXX and XXXX. Please validate this information with Bank of America and provide me with copies of any documentation associated with these checking/savings accounts bearing my signature. In the absence of any such documentation bearing my signature, I ask that this information be immediately deleted from the file you maintain under my Social Security Number. I am doing this on my own behalf

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: SELECT PORTFOLIO SERVICING, INC.
State: AZ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I have tryed many times applying for XXXX XXXX and each time I'm told it can not be done because in XXXX this modification was extended to 40yrs int at 4.5 with rates at there lowest now I don't understand lm 13 payments behind I have exhausted trying over and over with this investor with a modification I can get on track stay current and refinance my problem started with my husband who passed XX/XX/XXXX it was the covid his medical state and side work being unable to make side cash I have a I'll daughter and XXXX grandkids who live with me also my social security was cut due to my husbands death we will be homeless can you help pls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-13
Company: Experian Information Solutions Inc.
State: AZ
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:
I have contacted Experian about removing a judgement from my credit file. I did this a year ago and have learned recently that it is still on my credit report. The judgement was dismissed in court and should not be on there. I have attached the appropriate document as proof.

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 2020-08-19
Company: Experian Information Solutions Inc.
State: OH
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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. XXXX XXXX  XXXX, XXXX XXXX. I have contacted the FTC and my local police and I am doing this all on my own. Please remove these unknown items from my report. XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: ENCORE CAPITAL GROUP INC.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
On XXXX XXXX, This debt collector contacted my employer through our XXXX   phone number that is used for XXXX  emergencies and XXXX  XXXX. representative was told by staff members to please not contact this number for any personal calls but the representative insisted to speak to this person even after being told this designated number is for XXXX XXXX only. An office manager had to speak to the debt collector and repeated verbally once again to not use this phone number for anything personal, rep interrupted multiple times to insist it is personal but needed a message to be left. Office manager respectively told the debt collector once more she can take a message but to please not call this line. Rep insisted to speak to person in debt and was not listening to us. We are a business and only have 1 line for all our small business needs.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-30
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2021 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. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
credit reporting agencies refuse to properly report accurate credit history and they are very aware of it FICO 8 CODES FOR EQUATION OF SCORE ARE MISSING GOING BACK OVER 15 YEARS OF CREDIT HISTORY NOW IT SHOWS INSUFFICIENT CREDIT HISTORY. 

ON ALL THREE BUREAUS AND XXXX  HAS NOT RESPONDED WITH UPDATES EITHER

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 2019-01-13
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On XX/XX/18 I sent Validation letters to the creditors listed below, followed the FTC instructions. 

After 30 days sent proof to XXXX XXXX  and Equifax, Only Equifax refuses to remove from credit file,,, " XXXX and XXXX Has Removed ''. 

I have followed the FTC guidelines, Equifax will not. 
. 
XXXX XXXX {$78.00} XXXX XXXX {$83.00} XXXX XXXX XXXX {$87.00} XXXX XXXX {$87.00} XXXX XXXX {$170.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: Santander Consumer USA 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 is missing that should be on the report

Complaint:
Leasing agreement with Chrysler Capital of XX/XX/XXXX. 
Monthly payments : {$490.00} On XX/XX/XXXX I signed up online on Chryslercapital.com for a recurring Payment Plan Schedule. 

The same day, I got a confirmation from Chrysler Capital, that the plan would start as per XX/XX/XXXX and the Money would be withdrawn from my Bank account with XXXX XXXX XXXX, account ending of XXXX. 

In addition, I was informed that the plan would be in effect until cancellation, in which case I was advised to visit Manage Auto Pay on the account summary or contact XXXX XXXX XXXX XXXX. Furthermore, I was informed that if I had any questions about the recurring payment plan related to my account XXXX I could contact Chrysler Capital directly. 
All signed by Chrysler Capital, XXXX XXXX XXXX, XXXX Texas. 

XX/XX/XXXX I visited the website and paid the XXXX XXXX payment since I was unsure if the plan would cover that payment as well. 

The next thing I learned was on XX/XX/XXXX, that Chrysler capital has reported me to the credit bureaus for an overdue account. 

When I called Chrysler Capital I was informed that the Recurring payment plan was for unknown reasons never made effective in their end. 

I claimed that I have a print of the confirmation of my subscription to the recurring payment plan and that I never got the information that it was not in effect. Also, I informed them that I never received any reminders or notice that I would be reported to the credit bureaus. 

The first person I spoke to was XXXX from customer service, who was kind enough to escalate the matter to the Executive Office, where I spoke to XXXX. 
She confirmed that my attempt was filed in their end, but again she could not explain why the subscription was not effectuated. 
She asked me to send a copy of the confirmation, which I did. 
After that, another individual from the Executive office called me and informed me they could not withdraw the report since it was my responsibility to make sure the payment plan was in effect. 

I informed her that the money was available at the account I had designated, so it has not only been my intention to pay but I was proven capable of doing so as well. 

I hereby complain about Chrysler Capital handling of my case and their report to the credit unions even though the lack of payments was their fault. 

It is important here that my credit score went from XXXX to XXXX, which undermined my capability of refinancing my house. 
Sincerely XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX PA

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
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:
I work as a XXXX and use my BOA credit card often and exclusively. As a result, I often amass thousands of dollars in credit card transactions every month. Inevitably while auditing monthly BOA credit card statements, I find issues including vendor overcharging, double charging, incorrect charging and other mistakes that are not necessarily fraudulent. 
I recently received a letter from BOA that appears to threaten my right to continue to file disputes with my BOA credit card. 
I am including a copy of that letter in this complaint. 
I believe it is my right as a consumer that I may dispute a transaction that I believe to be in error. With that consumer protection right, I have routinely found errors on my credit card statement and have routinely exercised my right to dispute transactions that I believe to be in error. I win many of these disputes because I turn out to be right. 
As a result of BOAs very poor dispute dept. phone response times and an ongoing poorly resourced department to handle complaints, I have spent hours of cumulative time attempting to file disputes with BOA. 
I view any attempt by BOA to bully or threaten my right to file disputes as a direct infringement on my federal and state consumer protection rights. 
I did phone BOA regarding the letter on XX/XX/2018 at approx XXXX XXXX eastern time. 
I spoke with supervisor XXXX ( XXXX ) and discussed the letter with him. He offered no specific resolution other than he offered to escalate the case internally. 
I will continue to exercise my consumer protection rights and should be able to do so without the threat of BOA canceling my credit card 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