BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I am XXXX since XX/XX/XXXX. I was unemployed but receiving unemployment until XX/XX/XXXX. Ive comtinued working for an agency of XXXX and was hired at XXXX XXXX XXXX XXXX in XXXX for 2 weeks and then another job for XXXX XXXX XXXX in XXXX, Ca. While I XXXX XXXX XXXX XXXX Since XX/XX/XXXX til XX/XX/XXXX. I no longer have any banks since my wallet was lost since XX/XX/XXXX. I had closed my account with Bank of America by telephone. I got no access through mail due to XXXX. I have no idea why Bank of America is putting a block on my name which is preventing me from opening a bank anywhere. I left out of country on XX/XX/XXXX til XX/XX/XXXX. Recently I received a check from XXXX and XXXX fir some settlement. It was issues on XX/XX/XXXX, While i was out of country. Now my check are not able to get cash or deposits due to Bank of Anerica put a hold on my account, dissabling me. Im able to residenwith my brother sharing a room with my parents. And gon na start my job nearby. But with my problem with XXXX, my checks are just useless. Please help me get back on track and I cooperated with Bank of America but they said even if I would pay the bank will not let me open an account. So therefore, my hands are tied and now stuck in the past.

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 2021-03-02
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Convergent is calling my home, cell phone and work phone many times a day. Sometimes over fifty times daily. The debt is over a decade old and is beyond the statute of limitations. They are threatening my family. I was told they will send the boys from XXXX if I do not send them money.

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 2021-03-02
Company: Experian Information Solutions Inc.
State: TN
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 had numerous inaccurate names and addresses on my Experian credit report. I had 2 collection reports on my profile from the same company XXXX XXXX XXXX ( XXXX ). 
XXXX XXXX XXXX  and XXXX XXXX XXXX never sent me validation of debt under Fair Debt Collection Practices Act. XXXX XXXX XXXX did a hard inquiry without my permission.

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 2020-06-02
Company: PNC Bank N.A.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
I want to make a complaint that pnc is blocking the ability of my XXXX XXXX to be linked to my pnc account and I understand that pnc is blocking the ability of everyone 's XXXX XXXX to be linked to their pnc account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Im trying to access my account through an ach program to pay for my training but Capital One has set up a block I guess as added protection, but its counterproductive because this application does that for me too so that my payment is secure. I just want in the future this not to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
In XX/XX/XXXX I spoke with a bank representative regarding the pay off of this account. I was advised that the pay off amount was {$320.00} ( see attached Business Checking statement ) and in the new year I paid the full amount via my business checking account XXXX XXXX XXXX on XX/XX/XXXX. 

In XX/XX/XXXX I reviewed my tri merged credit file via Experian and found that XXXX XXXX XXXX is still reporting this account when payment was accepted.

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 2022-10-05
Company: BARCLAYS BANK DELAWARE
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:
Because of the Pandemic most of my accounts in my report could not be Pais. I did try to address the accounts but they didn't seem to care or understand what was going on during this time. I have reached out to XXXX XXXX XXXX, Barklays and many other around XX/XX/2020. They took money from me and instead of using that money to go towards the balance they used it towards the 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 2021-03-02
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ATTENTION TO LVNV FUNDING LLC ( 12 XXXX  XXXX XXXX XXXX  ) I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with this company. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1000.00} does not belong to me. This account was fraudulently opened through this company LVNV FUNDING LLC ( XXXX XXXX  XXXX XXXX XXXX ) in XXXX of 2020 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF LOAN ) In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04
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: Account status incorrect

Complaint:
In XX/XX/XXXX I spoke with a bank representative regarding the pay off of this account. I was advised that the pay off amount was {$320.00} ( see attached Business Checking statement ) and in the new year I paid the full amount via my business checking account XXXX XXXX XXXX on XX/XX/XXXX. 

In XX/XX/XXXX I reviewed my tri merged credit file via XXXX and found that XXXX XXXX XXXX is still reporting this account when payment was accepted.

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 2021-03-02
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Im writing because I noticed FedLoan Servicing reported a few late payments from XX/XX/XXXX until XX/XX/XXXX of late payments on my credit report. I am requesting a goodwill adjustment to remove these late payments from my XXXX, XXXX  and XXXX  credit reports. Upon review of my records, I realize that I did indeed miss the payment deadline. Unfortunately, I was a recent graduate with no job at that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: Navient Solutions, LLC.
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: Their investigation did not fix an error on your report

Complaint:
You are in direct violation of FCRA 623 ( a ) ( 5 ). Negative re-aging debt on a credit report is changing the delinquency status of an account to fool the credit bureaus into thinking its more recent than it really is, which is what you are doing by reporting the account as such and updating it monthly. I am very well versed in credit law and the practice of re-aging accounts. As you are no doubt aware, a collection is tied to the original account before it is charged off.You report that this account was opened - and therefore you are re-aging this account, which is illegal - so you are in violation of the FCRA, with fines of { {$1000.00} } per incident. I am requesting that you investigate this matter under the FCRA : * FCRA 623 ( a ) ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher * ( E ) Duty of person after receiving notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall -- * ( i ) conduct an investigation with respect to the disputed information ; * ( ii ) review all relevant information provided by the consumer with the notice ; * ( iii ) complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and * ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. In addition to the investigation, I am going to have to insist that you remove this illegal account from my 3 credit reports ( XXXX XXXX XXXX ) or you should expect an intent to sue in the mail, because I will have no choice but to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15
Company: CBC Companies, 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:
The Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies ( CRAs ). To ensure compliance, the agency pursues an aggressive enforcement program aimed at the main players in the consumer reporting system CRAs, those who send them information, and consumer report users. The FTC has sued CRAs, charged companies with furnishing inaccurate information to CRAs, and charged users of consumer reports with failing to notify consumers when they make negative decisions about them based on a consumer report, underage with XXXX XXXX, XXXX. The Fair Credit Reporting Act, 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. see attach ftc violations Fair Lending Laws and Regulations XXXX  to Pay {$570.00} XXXX as Part of Settlement with FTC, CFPB, and States Related to 2017  Data Breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: ENOVA INTERNATIONAL, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
When obtaining the loan, it was not clear that I would be paying such a HIGH interest rate nor that I would be paying this loan twice a month. I needed the cash to assist with my father 's unexpected medical expenses. I only borrowed {$3000.00}, which only got a portion of that deposited after fees, and I have paid a total of {$6700.00} so far and have 6 more payments to go. That means I would have paid at least {$8100.00} for this loan. I have been fortunate enough to still have a job and although it is a struggle, I have been making this payment, however I read that the maximum interest that can be charged to consumers in California is 10 %. I am being charged 200 % + here.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: Collection Management Services, Inc.
State: TN
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 had numerous inaccurate names and addresses on my XXXX credit report. I had 2 collection reports on my profile from the same company XXXX XXXX XXXX ( XXXX ). 
Collection Management services and XXXX XXXX XXXX never sent me validation of debt under Fair Debt Collection Practices Act. XXXX XXXX XXXX did a hard inquiry without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: ALLY FINANCIAL INC.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
This is an addendum to the previous complaint regarding making payments. As of today, Ally has reported to all credit bureaus because of the complaint I only posted yesterday that I am 60 days late. I made a request yesterday to Ally since I can not get any resolution, I made a request to voluntary surrender the vehicle. They accepted that over the phone and said that I should leave the plates on the car and someone would contact me in a couple of days. Ally is guilty of retaliation. I am attaching in full detail all of the proof of false claims on payments.

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 2018-10-04
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
This company try to collect e debt that not belong to me .The credit bureau they deleted the original creditor because they find that debt is not belong to me, and this company abuse trying to collect a debt that not exist

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: OneMain Finance Corporation
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Received a loan you didn't apply for

Complaint:
I was approved for a secure loan. I asked the agent to explain secure loan she said it meant collateral of a car and I asked if that meant the loan was a refinance and she stated no. After beginning approved the loan was actual a car finance loan. I would had never agreed to have a hard inquiry on my credit had I known if was for a car finance. I was manipulated into running my credit for a loan I was unaware of. I made it perfectly clear that I did not want a car finance loan. Date. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
To whom it may concern, 1st Company : I went to XXXX to purchase a vehicle which I did, they checked my credit and used XXXX/XXXX in which I got approved. I did not authorize to be checked by XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

I have tried several times to talked to them and they said " no problem that could be taken out '' but they told me to contact XXXX to dispute this matter, I did contact them and they say to contact XXXX XXXX XXXX so I keep going back and forward and nothing gets resolved. 

I request to please remove those 4 hard inquiries ( XXXX XXXX XXXX ) from all three credit bureaus because it is affecting my FICO score and it's incorrectly reported. Thank you in advance. 

=========================================================== 2nd Company : I called XXXX XXXX XXXX XXXX XXXX  to try to obtained a credit card called CapitalOneVenture, the application was submitted but had an error so they told me to re-enter the application. I was concern about the hard inquire for a second time but they say it will only be one, so only counting the inquire on XX/XX/XXXX and not the XX/XX/XXXX hard inquire. I noticed that it kept on appearing so I called them and they say they will be taking it off but it is still there and not resolved. 

I request to please remove the hard inquiries ( XXXX  XXXX XXXX XXXX XXXX ) on XX/XX/XXXX from all three credit bureaus because it is affecting my FICO score and it's incorrectly reported. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I have started a new job working with security clearance for XXXX I recently found addresses on my credit file that do not belong to me!! I have to get this cleared up asap. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, SS XXXX DOB XXXX is my current and only address. Please remove/delete the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX I have several incorrect names on my file as well please remove the following incorrect names : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, please delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-05
Company: Bread Financial Holdings, Inc.
State: MA
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 I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX ; XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I sent certified letters to all three credit bureaus and have not got a respond 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 explanation
Consumer complaint received 2021-03-02
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account doesn't belong to me. I have a court order Declaring me a victim of identity theft. As well as a document from the District Attorneys office. I've contacted Equifax and XXXX XXXX but yet Equifax continues to report even though they were provided a court order. The account that is incorrectly reporting is XXXX Account # XXXX the balance is reporting as {$5300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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 have sent a total of 3 letters to TransUnion and XXXX  in reference to unverifiable and inaccurate accounts listed on my credit reports. I have asked that they verify that the accounts were mine, provide me with their methods of verification, as well as provide me with a copy of any original documentation with my signature on it. Both TransUnion and XXXX have failed to adhere to my requests and these unverifiable and inaccurate accounts remain on my credit report. I sent these letters to TransUnion and XXXX  on XX/XX/2020, XX/XX/2020, and XX/XX/2020. I have attached copies of these letters ( that were notarized ) as well as Return Receipts for both TransUnion and XXXX. Despite my 3 written requests, the unverified and inaccurate accounts still remain on 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 explanation