BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-19
Company: AUTOMOBILE ACCEPTANCE CORPORATION
State: GA
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 an account with AUTOMOBILE ACCEPTANCE CORP account # XXXX and the account was paid off. Since the account has been paid off, I continue to look at my credit reports from XXXX, XXXX  AND XXXX XXXX and continue to note this account continues to be re-aged by the credit bureaus adjusting the charge off date/ status of the account. As a result, I have disputed this item directly with the credit bureaus XXXX, XXXX  AND XXXX XXXX and each time the credit bureaus report the account is verified as ACCURATE via AUTOMOBILE ACCEPTANCE CORP. As a result, I have disputed this account directly with AUTOMOBILE ACCEPTANCE CORP via letter and via phone calls and each time, AUTOMOBILE ACCEPTANCE CORP states they are note responsible for the reporting of the account and I must dispute directly with the credit bureaus - in which I have SEVERAL times and AUTOMOBILE ACCEPTANCE CORP continues to ignore my requests.

Even when I send evidence with my disputes, the credit bureaus state the account is verified as accurate via AUTOMOBILE ACCEPTANCE CORP. With the continued evidence and detailed disputes, AUTOMOBILE ACCEPTANCE CORP and XXXX  , XXXX XXXX continue to verify the account as accurate. I have included the letters I have sent AUTOMOBILE ACCEPTANCE CORP with copies of the inaccurate credit reporting. I need help to ensure my rights under the FCRA is protected. According to the FCRA to avoid the illegal re-aging of this account by the credit bureaus ( inaccurately changing the date of first delinquency on a consumers account to a later date ). According to the laws of the FCRA If the consumer provides additional relevant information during the 30day period, the CRA has 15 more days to resolve the dispute. The CRA must give you all the relevant information it gets within five business days of receipt, and must promptly give you additional relevant information provided by the consumer. If you dont investigate and respond to the notification of the dispute within the specified times, the CRA must delete the disputed information from its files. In addition AUTOBILE ACCEPTANCE CORP violated my rights when it failed to action. According to the FCRA when information to a CRA on a regular basis and determine that any information you provided is inaccurate or incomplete, you must promptly notify the CRA and provide corrections or additions. This didnt happen and I demand this account be removed for FCRA violations. Even my letter to the CEO has gone unanswered. PLEASE ASSIST 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 2020-06-25
Company: PNC Bank N.A.
State: WV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I can not connect my PNC checking account to services like XXXX, XXXX, XXXX XXXX, XXXX, or any service alike. I contacted the companies, and they said it was on PNC 's side, which isn't surprising. The only service I can connect to is XXXX, but I should be able to have the freedom to use MY money how I want to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
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: Account status incorrect

Complaint:
I had services completed at XXXX in XXXX PA in XX/XX/XXXX. Due to them updating their billing system which lingered, I didn't receive a billing statement from them until mid to late XXXX. When I received my bill it was for an incorrect amount which lead to me waiting another 6 months or so to get an updated bill. I received a bill in XX/XX/XXXX or XX/XX/XXXX and paid that statement in XX/XX/XXXX. I was reported to XXXX XXXX XXXX in XXXX XXXX PA due to the payment passing in the mail with the debt reporting. When I received my first collection notice in XX/XX/XXXX from XXXX I called XXXX to see why I was reported when I paid. They said they'd make the collection services aware that I paid. They never did. I received another collection notice in XX/XX/XXXX which ultimately lead to a hit on my credit report even though I paid back in XXXX. I was denied a loan because of this and my credit score plummeted by 80 points. I disputed with Equifax and they denied my claim stating the information is correct and I owe money. I called XXXX several times and XXXX regarding this matter and they act like I'm in the wrong and just say 'sorry ' when I bring it to their attention. I paid in XXXX and the collection service was never notified which is what should have been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: American Coradius International LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am the victim of identity theft. It was done by a 'phone porting ' scam ( XX/XX/2020 ) whereby my phone number was ported from XXXX XXXX XXXX XXXX XXXX and was then under the control of the scammer who used it and other of my personal identification information to access accounts including my XXXX account. They used my XXXX account to make several payments. I reported this to XXXX as fraudulent and most of these fraudulent payments were reversed and reimbursed to my bank account. Ultimately, due to the fraudulent payments, the XXXX account balance was - {$310.00}. XXXX knew this was due to the fraud, but the amount got transferred to a debt collection agency : American Coradius International ( ACI ) LLC ( XXXX ). ACI has sent me a collection notice and a bill for {$310.00} despite the fact that XXXX has already recognized that the fraudulent spending occurred on my account. The bill says ... 
Make Checks Payable to : American Coradius International LLC XXXX XXXX  XXXX XXXX XXXX XXXX XXXX NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I had a credit line of {$28000.00} with American Express. 
I have an exceptional payment history. I've always paid on time and always way more than the minimum payment! I had {$13000.00} credit available. I called my town to pay my tax bill. I was paying {$2000.00}. The card was declined! I then received an email that, for no reason, my credit line was reduced to {$15000.00}. A reduction of {$13000.00}. By email. The day I'm paying my taxes. No explanation. No notice. No way of paying the taxes. 
I received a measly {$1200.00} stimulus check. American Express, I'm certain, did well. No notice of credit line decrease. Embarrassing, humiliating, stressful, and no alternative, or time to plan an alternative, for property taxes. Threat of foreclosure by reverse mortgage company if I can't keep up with taxes. 
I can't breathe! XXXX XXXX XXXX. Pay my bills. Good credit history. I can't breathe.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX I received notice of CAPIO PARTNERS in debt collections on my credit report. I was previously trying to dispute the errors with the previous collectors who did not send any verification of debt and would not provide me with documentation. I sent a verification of debt request on XX/XX/2020 to CAPIO PARTNERS and have not gotten a response, when reaching out the company was hostile and i believe that payments were made previously before being thrown in debt. It is inaccurate and dropped my score immensely. I never received a 180 notice to even have a chance to reconcile the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Back in XXXX and XXXX money was taken out of my account which I never received back and a lot of fraudulent overdraft fees etc etc which I never received or got back but it took a lot of money from me which always kept me in the negative

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 2019-01-22
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is about predatory offers of home warranty insurance. I sent a card back that was sent in my mortgage statement, thinking it was a request for more info. I never heard anything more. Then recently I discovered that payment for the warranty has been being held out of my mortgage payment for a year. 

I was never informed that the payment would come out of the mortgage payment, thus decreasing the amount I was paying on the mortgage and increasing the length of time that it will take me to pay it off and the amount of interest I'd pay. This is unfair.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
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:
This is my 13th attempt to notify that I am a victim of identity theft and I sent a complaint to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of these items in my credit file that resulted from an alleged identity theft. These items are unknown to me. Also, the information provided on some items are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some items are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) these unknown Items listed must be deleted : XXXX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance Owed : {$77.00} ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXXXXXX Inquiry Date XX/XX/XXXX ; XXXX  XXXX Inquiry Date XX/XX/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 2020-06-25
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I actually have two problems with Synchrony. One is that they closed my XXXX card without any provocation and no balance on it. I opened it last year to be able to put undercoating on our cars and paid it off in full. That just reduced my credit line. 

Then there's my XXXX account. I paid off over {$6000.00} in charge on time. They then out of nowhere decide to decrease my limit from {$6000.00} to {$1200.00}. It has trashed my credit score. When I reached out to them, it was oh well. I am so disgusted I am trying to finish paying off the rest of my cards and never giving them another interest payment again.

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 2020-10-10
Company: EQUIFAX, INC.
State: OH
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:
Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

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

I demand the following accounts be verified or removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: EQUIFAX, INC.
State: GA
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:
InXX/XX/XXXX I went to XXXX XXXX XXXX XXXX to see a Dr. Before all my treatments were done the Dr died and the office was closed immediately. At the time of my visit I was covered with XXXX  and XXXX to pay for medical expenses. After the office was closed with no forwarding address and contact and without my knowledge a collection account was added to my credit file for XXXX. I became aware of this, pointed it out to Equifax, made two disputes and Equifax refused to remove the item. The collection agency XXXX XXXX in XXXX Ga also refuses.I had no opportunity to communicate with them to head off any other issues. XXXX  and XXXX XXXX properly removed this item the same day that I disputed it with them. After 2 complaints and 2 months Equifax continues to report this item as fact. I has also created a negative impact on prospective lenders that I have contacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18
Company: SUNTRUST BANKS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I contacted XXXX XXXX XXXX on : XX/XX/XXXX about a unauthorized inquiry on my report dated for XX/XX/XXXX ... I was informed after providing my name that XXXX  XXXX XXXX was unable to provide information about the inquiry or any form of application for credit to prove consent.

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 2020-05-08
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I requested covid-19 assistance from my mortgage company since I am a XXXX XXXX and was experiencing a significant reduction of hours. I am now on a 3 month unpaid leave. They were able to give me a 3 month forbearance. However, 2 days after they reported to the credit bureau I was notified that my score had decreased by over 70 points. I requested a copy of my credit report and while my payment status was reported as current, I had a negative remark of FOR indicating forbearance. This was the only change on my report. I notified my mortgage company since the Cares Act specifies there should be no negative impact to credit scores resulting from utilizing these provisions intended to help those impacted. I have not had any response from them thus far.

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 2020-06-25
Company: CITIBANK, N.A.
State: AR
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I have been a customer of Citibank since 1989. I am eligible for a PPP loan of around $ 17K. It is a very small amount compared to most of the other loans that have been given out. My credit union is small and is not registered with SBA. On XX/XX/XXXX or XX/XX/XXXX I logged in on Citibank 's website and put my email address in the form they provided to sign up for PPP. I never heard back from them and their website now says they are not accepting any more applications, probably has said this for a while now. In XXXX ( not sure of the date ) I logged in and went to their chat feature under support. I asked the person responding about my chances of getting a PPP loan from Citibank, and the guy ( I think his name was XXXX ) told me that I would not be receiving anything because Citibank was only giving out loans to their biggest clients who had current or recent loans. They should have a transcript of this chat. I gave up on PPP then  but now that I see many others are complaining and Citibank is saying those complaints aren't true, I wanted to add my voice to show that the complaints are true. Citibank should apologize and start helping people. They should be ashamed of themselves.

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 2022-01-05
Company: Experian Information Solutions Inc.
State: WI
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:
On XX/XX/2021 I received aa email from a collection company stating that I owed {$160.00} dollars on my XXXX XXXX credit card. I had never received a statement from XXXX indicatiing that I owed them. I first used their credit card on XX/XX/XXXX for a XXXX  of {$140.00}. I made the payment on XX/XX/2021. On XX/XX/2021 I purchased {$37.00} for XXXX.However, they had charged me late fees and interest amounting to a balance of {$88.00}. Again not receiving any statements they kept adding late fees and interest to the balance. When I received the email from the collection agency, XXXX  XXXX,, the balance was now {$160.00}. I called them the same day and asked what this was all about, they told me about the XXXX credit card amount. I argued for along time and they brought the amount down to {$51.00} which I paid at that time. 
Issue-My credit scores have dropped considerably due to this being on my credit report. 
I feel this is wrong and would like to have it be removed from my 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
Consumer complaint received 2021-05-09
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
After the BBVA buyout of Simple, I am unable to access my accounts. On Saturday XX/XX/XXXX and XXXX I have called support numbers only to be hung up on and treated like XXXX by their outsourced customer service team. 

I have no access to my account whatsoever due to this XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
Company: Ignite Revenue, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
The bailiff threw me out of XXXX XXXX XXXX, XXXX, OH XXXX on XX/XX/2015. I lost everthing. I had to stay in hotels. I WAS DISPLACED. THAT MEANS I WAS CONFUSED AND DISORIENTED. 
Since then I have been working on my credit. 
I wish XXXX XXXX would let me pay off Account # XXXX. 
Because i need my credit score to increase to improve my lifestyle. 
Please assist me.

Company response to consumer: Untimely response
Consumer complaint received 2019-08-29
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: Their investigation did not fix an error on your report

Complaint:
Someone took out 2 student loans in my ( former ) name on XX/XX/2019 through XXXX Department of Education. I reported it to all 3 credit bureaus, FTC.gov and XXXX and sent in the requested documentation to XXXX. Equifax informed me today that they are not resolving my disputes and it will not be removed from my credit report, as XXXX states I took out the loans. I havent used the last name XXXX in 15 years, I am not in school, nor do I have any need for student loans, the address on the account is in TX and I have never lived in TX, and the phone number on the account is a SC number and I have never lived in SC. My XXXX score dropped over 20 points just since last month over this and I want it resolved.

Company response to consumer: Closed with non-monetary relief