BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
I already reached out to the credit bureaus and to BK OF AMER for the account number XXXX and notify them of their error posting for this account. I DO NOT OWN THIS DEBT, and I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. Continued reporting of this inaccurate and UNVALIDATED debt. I thought they had dutifully complied to the law to cease any collection efforts unless proper validation has been provided. Then I found out that the issue still persists, I just had to escalate to CFPB.

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 2017-12-27
Company: Preston Clark & Quinn
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX XXXX contacted me in XX/XX/XXXX in regards to a delinquent debt. I spoke with representative XXXX XXXX. He informed me that I owed a debt from XXXX XXXX XXXX, to which I responded that I was pretty sure I had already settled that debt, and emailed him a copy of the Paid in Full letter. I used the phonetic alphabet to confirm the spelling of the email address the account representative gave to me. When I spoke with him after I emailed the letter to him, he informed me that there was a second debt, for my XXXX XXXX XXXX. At this point, I worked out a one-time payment, which I paid between 2 accounts on XX/XX/XXXX, for a total of {$1400.00}. I never received a paid in full letter from XXXX XXXX XXXX. It was not until my military pay began being garnished in XX/XX/XXXX that I discovered that XXXX XXXX XXXX did not own the XXXX XXXX XXXX debt, and was not legally allowed to collect on it. After a month of trying to contact XXXX XXXX XXXX directly, I filed a complaint through CFPB. XXXX XXXX XXXX responding by stating that they never mentioned a second account, and would send me the paid in full letter for the account I supposedly settled with them. I still have yet to receive the paid in full letter, and have again been unsuccessful at trying to contact this agency to settle matters on my own. I am providing proof of sending the original paid in full letter to the XXXX XXXX XXXX representative for the original debt, the paid in full letter, and the bank statements showing my payment to XXXX XXXX XXXX. I still maintain that the account representative mentioned a second account ( the XXXX account ) once I told him that I had the paid in full letter for the XXXX XXXX XXXX account, and that they defrauded me by collecting on a debt they did not own.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-21
Company: Experian Information Solutions Inc.
State: PA
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:
On XX/XX/XXXX I reached out to XXXX XXXX in regards to dispute this alleged debt. The rep I spoke with said the company mailed verification last XX/XX/XXXX to an address I know longer live at and have not lived there for over 12 years. This third party debt collector said they received my information from XXXX XXXX without my permission knowledge or consent. XXXX XXXX is in direct violation of the FDCPA. An agent said this is the first contact they have with me about this alleged debt. According to the FDCPA XXXX has 5 Days to send validation of this debt. The agent for XXXX did not ask for an updated address the agent also hung up on me and told me to call back in a few days to dispute it. This company is reporting on an ALLEGED DEBT THAT NEVER BEEN VERIFIED. I ask that you take this off my credit report. I called XXXX to give them permission to respond to CFPB complaint. The only thing XXXX was interested in while on the phone was collecting not verifying any information. The credit reporting agencies are now in direct violation of the FCRA. This is a private matter between myself and XXXX XXXX. In compliance with the FCRA you must verify all accounts to be true. Excuse me but this third party debt collector do note have my correct address or phone number to contact me to verify/validate this debt. I only was made aware from checking my credit report. According to the FCRA I must be notified in writing to opt out of negative reporting and I did not receive any notice to opt out. This account is causing me a great deal of stress.

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 2019-06-27
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I was contacted about a debt from banana republic. I request they send a validation of said debt in writing to the address on file which appeared to be mine. I also requested verbally that they cease phone collection attempts. I was told if I do that they will mark it as temporary hold and that I rub the risk of being sued. They said I wont be called for 4 weeks  unless I send a letter. I sent the letter immediately. They have continued to attempt to collect a debt they have failed to validate, and have threatened me that I will be sued if I dont cooperate.

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 2019-09-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was never late 30 days on this account and i have tried to resolve this with capital one and to come to resolutions but never happened

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18
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:
My name is XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make these charges. 
I ask that the items be deleted to correct my credit report. I am currently in the process of buying a house for my family and this is stopping the process for me. 
This has made my whole life challenging having my identity stolen. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18
Company: ENCORE CAPITAL GROUP INC.
State: AR
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:
Midland credit management has repeatedly reported the same debt three times in XXXX and i believe 4 times in XXXX for the one debt these repeats of reporting the same debt over and over are in violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-04
Company: AES/PHEAA
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Several months ago, I tried to set up direct debit for a significant over-payment on my student loan amount ( to help pay the loans down faster and avoid interest ). When I tried to set up this direct debit on your website, the website returned an error message that said " Please correct the following 1 error ( s ). Additional Amount can not exceed 1,000.00. '' I contacted customer support, and they told me that this is a " known glitch '' that their IT had been trying to fix for over six months. They instructed me to write a letter to XXXX XXXX asking to set up direct debit for the over-payment amount. 

I just tried to increase my over-payment, and I encountered the same problem again. The website still gives that same error. I contacted customer support and spoke with XXXX, employee ID XXXX, and got the same answer : I have to send a letter requesting the over-payment. 

I find it very difficult to believe that this error message is a mere computer " glitch. '' Computer glitches do no explain themselves in plain English. A human had to have entered that function, and the error message explaining it, pursuant to some internal policy. 

Assuming this is true, I find that policy profoundly unfair, bordering on deceptive and dishonest. It places a completely unnecessary procedural hurdle in the way of borrows trying to pay down their loans as quickly as possible. I can see no reasonable justification for this. And, even if it is a simple " glitch, '' it should not take a major loan servicer more than eight months to fix it. 

I am writing the necessary letter tonight, so my immediate problems are solved. But I want XXXX  to fix this " glitch '' as soon as possible, to make it easier for students to pay down their loans as quickly as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-04
Company: HEARTLAND PAYMENT SYSTEMS INC
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have an XXXX XXXX account for my XXXX school loans with XXXX. The servicer has very poor response to customer inquiries, does n't allow for easy repayment of the full loan amount, does n't allow for online setup of recurring payments, sets up substantial barriers to telephone customer service with long wait times. I have multiple loan accounts and XXXX doesnt allow me to setup recurring bill payment through online account because I have " multiple accounts '' .I have personally been on hold for 4 hours without reaching a customer service representative. 

I believe a lot of these barriers are placed intentionally by this servicer. I am including a picture of the screenshot from the phone call that illustrates the extraordinarily long wait times.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: Verisk Analytics Inc
State: NC
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:
My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
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: Their investigation did not fix an error on your report

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2021 I XXXX XXXX received a letter that as of XX/XX/2021 the following accounts were verified but Transunion didnt provide their investigation process. Nor did I receive validation of debt from ANY of the debt collection companies. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX TRANSUNION has denied me of my rights of providing me with their investigation process. 
TRANSUNION has denied me of my rights to a fair and accurate credit file. 
TRANSUNION has continued to report fraudulent accounts they know are unverifiable. 

I have sent TRANSUNION a AFFIDAVIT of TRUTH and FACTS which they have assumed ALL FACTS to be true since they have failed to respond. 

TRANSUNION has denied my request for removal of all fraudulent accounts and inquiries on my credit file. 
TRANSUNION has committed fraud themselves and continues to willfully report unverifiable alleged debt. Continuing to cause me great harm and stress! 


I have disputed 3 times with TRANSUNION and they continue to infringe on my rights and deny me of my rights provided by the FCRA. They have also assumed my Affidavit as truth.

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 2022-10-03
Company: FORD MOTOR CREDIT CO.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I had financed a loan with Ford motors in XXXX California. Payments were made on time. Every month. The vehicle suddenly XXXX day while driving the transmission exploded while I was driving. My son 's and daughters were I the car. 
The car was towed and never retuy to myself home address. Payments were no longer owed at the time. 
The restitution fees have not paid neither compensation for XXXX damages to my deed home wills trusts record driving records data reimbursement because a helicopter was sent out. Also damage my home invited as a result of the explosion. Creating an unsafe inhabitable living to myself and children. Since I have lost my home and deed and have not recovered my exact accuracy. Neither has Ford returned all my policies agendas of non damaged living. I was further repudiation victim of terrorists criminal threats intents and other interrupting mental distressing unauthorized call claims and charges. Since I have not been provided withe right loan neither care and fair treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: WELLS FARGO & COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To whom it may concern, Purchased Hedge trimmer from XXXX XXXX on XX/XX/2021 and XXXX reported email delivery on XX/XX/2021. Reported to XXXX delivery not received, checked over multiple days. Requested Charge back from Wells Fargo XXXX XXXX XXXX for {$420.00}. Wells Fargo came back with a denial for Chargeback ; stated XXXX showed proof of delivery by XXXX. I stated that no one in household including myself had signed or received package in question. Wells Fargo instructed me to contact XXXX for refund. Called XXXX who told me package delivery on XX/XX/2021 may of been delivered to wrong address and a refund for {$420.00} has been sent back to your card as a chargeback on Friday, XX/XX/2021. Please contact your bank for the further assistance ( Please see Email PDF enclosed ). Spoke with multiple Wells Fargo representatives, who after explaining my case, denied chargeback. Requested I be escalated to executive office; spoke with exec. rep. XXXX who denied chargeback.Requested to speak with his superior and was then told he would investigate further and get back to me by XX/XX/2021. 
Received phone voice message stating your chargeback case has been resolved ( in so many words ) and to call XXXX XXXX XXXX Case # XXXX if you have any question or I'll receive results in the mail. When I called them I was told my Chargeback was denied ; I requested the reason and was told XXXX showed proof of delivery. I reviewed explanation of non receival of merchandise on deaf ears. After speaking to Supervisor XXXX and then being transferred to executive office, spoke with XXXX ; reviewed entire case with her and was told XXXX will be following up, and case is currently open. I asked how case is currently open, when I was told today case was denied. Her response was XXXX was looking into case and would get back to me. I then felt I was being given the run a round and requested email stating case is currently open ; XXXX stated we don't send emails. Requested to speak to superior and was told their no one else, will need to wait for XXXX. Thank you in advance for any help you may provide. 

Sincerely, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, FL. 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 non-monetary relief
Consumer complaint received 2021-11-05
Company: EQUIFAX, INC.
State: MS
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 disputed all credit cards and a XXXX XXXX XXXX charge-off with all 3 credit bureau and nothing changes. I worked hard to pay the credit cards balance down to a bare minimum to XXXX  balance on most cards as of a month ago. The XXXX XXXX XXXX account was settled and settlement amount has been remitted to XXXX XXXX who is XXXX 's Collection Agency. I have called XXXX to get a paid in full letter, but can't get an agent just voice mails and no return calls. 
I am tired of this vicious circle of nothingness. Please assist me in getting these items clear. My credit will never improve if the bureaus are not reporting correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
Company: PNC Bank N.A.
State: MD
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:
Disputed PNC account that is showing on my credit report as a XXXX off with the original creditor ( PNC ) as well as all 3 bureaus ( XXXX, XXXX and XXXX ) both through mail and online- several times. All disputes came back verified which is inaccurate. 

The account that is reflecting as a charge off is a result of a {$300.00} fully secured credit card that I obtained through PNC. The charged off delinquency is for {$240.00}. From my understanding and knowledge of a secured financial product and the excerpt taken from the Terms and Agreements for Secured Credit Cards from PNC website it states " if I ask you to reduce the credit limit on my Account, or if you or I close my Account, you may use my Security Deposit to reduce my existing obligations to the new lower credit limit, or to zero in the event of closure. If you apply my Security Deposit against my obligations, you may allocate my Security Deposit among my obligations as you in your sole discretion deem advisable '' - this fully secured account should have never been charged off, instead the {$300.00} used to secure the {$300.00} credit limit should have been applied to the balance and the account as a result should have been closed out - not charged off. 

I have been going back and forth forth with both the CRA 's and original creditor PNC, sending letters explaining why I don't owe this and requesting validation of the debt, like a copy of the bill or contract for the debt they're reporting. I received nothing. However, this inaccuracy has not been addressed and continue to report as a delinquency on my credit report. This is unfair and a violation of not only their data furnisher responsibility but the Fair Debt Collection Practices Act. 

I sincerely hope the CFPB can help me get to the bottom of this as my next recourse is litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi, I would like to ask you to take actions and remove fake items from my credit report. That's crazy what I have there. I do not know these inquiries and I have never dealt with these companies. I have never gave anybody any permission for these items. They damaged my score. What is that? WHY?

Company response to consumer: Closed with explanation