BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-08
Company: The Receivable Management Services LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have reached out via mail to Receivable Management Services on two separate occasions asking them to provide proper validation of this debt. They have responded with the same improper validation to both letters. I am aware that in order to continue to report the debt ( as they are currently doing ), they must be able to verify that it indeed belongs to me. They have not. 
The documents attached are in the following order 1. The first request for debt validation sent by me 2.  The second request for debt validation also sent by me 3. RMS 's response to both the first and second letter

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 2021-04-30
Company: AVANTE
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
AVANTE is claiming that I owe them {$680.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: AFNI INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
THEY REPORTED A DEBT OF {$270.00}. I DON'T OWE ANY MONEY TO THE COMPANY OR TO XXXX XXXX XXXX XXXX. I ASKED FOR PROOF OF DEBT, AND NONE WAS SENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Capital One Auto Finance I have received unsolicited communication from Capital One Auto Finance making a demand for payment for an alleged debt. In accordance with XXXX XXXX XXXX, these are the actions of a 'debt collector. ' These actions show breach of trust and fraudulent misrepresentation ; are fraudulent and misleading ; they include the use of coercion, threats, and harassment to procure fraudulent unlawful and illegal payments for an 'alleged debt '. I made the initial extension of credit in full consideration and satisfaction by my signature/autograph transmitted to Capital One Auto Finance. These debt collection actions violated XXXX XXXX XXXX ; THIRTY-NINTH CONG. SESS. XXXX CH. XXXX, XXXX. XXXX, page XXXX, XX/XX/1867 CHAP. CLXXXVIL ; XXXX XXXX XXXX ; Fair Debt Collection Practices Act ; Emergency Banking Act of 1933, and Proverbs XXXX. Capital One Auto Finance can not deny that I am the creditor. They can not deny that I am the consumer. These debt collection actions have caused mental and financial distress, stress / hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28
Company: AMERISAVE MORTGAGE CORPORATION
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I started my home refinance on XX/XX/XXXX. 
I provided all requirements and document right on time, but they process so late. Even the loan officer was quit in the middle of refinance. 

XXXX XXXX Processor AmeriSave Mortgage Corporation XXXX ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX GA XXXX XXXX Desk XXXX Fax XXXX This above was my loan officer and after 5 weeks later, i found that she is no longer work with Amerisave. 

Moverover, Amerisave abandoned me over 6 weeks in the middle of refinance, and they assigned me to other Loan officer. 

So far, it was over 3 months, but still refinance hasn't been completed. 

The problem is 1. Not providing the information what customer should know. For example, escrow questions and price information was not provided or not explained over 6 weeks, Amerisave had not responded back to me in time manner even though i called and left messages over 10 times. 

2. even 3 months passed, my refinance processing was not completed.

3. Very bad customer care, no responding, even the loan officer was disappeared.

4. a customer should get information even basic DC on time manner, But Amerisave didn't even respond over a month. 

Now, I will go with other mortgage company, and want to get my application fee {$500.00} refund back to me.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-25
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I booked a trip in XXXX through a travel agency. Due to COVID-19 the trip was canceled. The travel agency sent me an email stating that I had to contact my cardholder for a refund. I contacted my bank, Chase Bank, and they refunded me the money but took the money back. I never received my went on my trip and I dont have my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-28
Company: BARCLAYS BANK DELAWARE
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Told them to stop calling or i would report them but they still are calling

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: CAPITAL ONE FINANCIAL CORPORATION
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 have contacted the bureaus and creditor about this account and provided them details on how it's being reported inaccurately, but nothing has changed since then.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX I sent Equifax a letter regarding inaccurate items on my credit report. Over 60 days after the first letter I sent Equifax another letter Demanding their response on XX/XX/XXXX. It is Now XX/XX/XXXX Over 80 days have passed since I sent Equifax my initial dispute letter regarding these inaccurate accounts. Section 611 ( a ) states that a failure to investigate these items within 30 days of receiving disputes gives a reason to delete disputed accounts. I have not gotten a response from Equifax in over 80 days. This is unacceptable of the disregard for FCRA Section 611 ( a ). This process has been difficult for me to take my time to write up letters, and Equifax disregards the law and ignores my letters is very stressful. I demand these accounts be deleted under the FCRA due to the inaccuracies and the neglect of federal Law by Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: ID Analytics, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have file my taxes XX/XX/2020, after some days I got a letter from the IRS saying that my taxes has been previously filed, when I had not, immediately I realize that my identity had been stolen, then I when ahead and checked my credit discovering a number of account that I have knowledge of. 
I'd like you to help me resolve this issue, Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: Experian Information Solutions Inc.
State: NY
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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2020-05-25
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: Information belongs to someone else

Complaint:
Wrong credit reporting to mu XXXX y account. accounts not open or approved by me.

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 2022-01-07
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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : 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 2017-12-18
Company: Phoenix Financial Services LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX 2017 Phoenix Financial Services I recieved a collection letter. I dispute this debt as not belonging to me. I would like a debt validation letter sent to 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 2020-05-25
Company: Professional Credit Management, 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:
Since XX/XX/2020 I have been in a constant resistance from the credit bureaus and collection agencies involving none responses from disputes stemming from myself who has been a victim of identity fraud. FTC report # XXXX and report # XXXX included specific, detailed, information regarding fraudulent related accounts appearing on my credit report. I have not received any correspondence in regards to claim and it has been well over 30 days. There are several fraud related collection accounts XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, Professional Credit XXXX, XXXX XXXX XXXX ) that are appearing randomly on my credit report without me have receiving any INITIAL 5 DAY NOTICE of a collector obtaining a debt. These accounts were not listed on my credit report in XXXX XXXX XXXX  and but yet are appearing on my report to this day. In addition XXXX XXXX XXXX XXXX has not removed the FRAUDULENT ADDRESSES from my credit file as per requested either which is a deliberate refusal to honor a consumers request. are some of the accounts that were opened due to identity fraud that still remain on my credit file. Under the Fair Debt Collection Practice Act ( 1692g ( a ), Fair Credit Reporting Act and Fair and Accurate Credit Transactions Act per sections 605b, 609, 611, & 623 my rights have been violated. I am familiar with the law due to my own research so accusing me of using a credit repair company is unjust and won't hold up in court. Your data furnisher or metro 2 verification system only uses general information in formats of codes ( name, social, date of birth, address ) meaning any individual with access to that information would be able to pretend that they are me and easily commit identity fraud. Since XXXX, XXXX, and XXXX  has all violated my rights and I have specific proof, I've given them the opportunity to remove these accounts or my information will be forwarded to a consumer attorney for legal proceedings.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: EQUIFAX, INC.
State: NV
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:
Credit inquiries for accounts with these companies appeared on my credit report, and I do not recognize any of these inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Since XX/XX/XXXX I have been disputing with the bureaus inquiries that I never approved of and obviously did not obtain credit for. The bureaus did not delete the inquiries nor did they respond within the 30-day timeframe that they are supposed to respond in. On XX/XX/XXXX I sent another letter to each of the bureaus, demanding they delete the inquiries that I did not authorize. Today is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07
Company: Mitsubishi Motors North America, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Mitsubishi Motors Credit of America Account number - XXXX Date Open - XX/XX/XXXX High Credit - {$27000.00} Date of last Act - XX/XX/XXXX Status - Account sold / transfer After sending notice to ALL three credit reporting agencies : XXXX, XXXX and XXXX - the account were remove due to the S.E.V.E.N year information reporting time that was under this particular account. Just recently, I FOUND OUT THAT MY INFORMATION WAS SOLD AND ANOTHER AGENCY has once again reported my information back on ALL three credit reporting agencies. This was off and completely off starting back in XX/XX/XXXX. After the security wrong doing of my information along with thousands and millions of others

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: PNC Bank N.A.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
PNC XXXX XXXX XXXX had sent out a promotional mailing that said the card had a 4 % payback on ALL purchases. After spending a few thousand dollars I went to cash in my XXXX points and the " conversion '' to cash back and applied to my account and the conversion to cash was only {$22.00}! The 4 % points generation ( XXXX ) are actually not worth {$110.00}, which would be the case with all my other 1 % card cash back, like XXXX, XXXX, XXXX, etc. Thus, the net cash back is not even 1 %, but rather only 0.8 %. I call this false advertising!! 

I talk to a PNC rep today ( XX/XX/18 ) and he said you get less on cash back and most people use gift cards. Well I check the conversion to two gift cards, XXXX and XXXX gas. The conversion is the same, NOT point per dollar, the same 0.8 % conversion of point to dollars. Very deceptive advertising!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: Experian Information Solutions 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:
XXXX and XXXX, Experian have violated my consumer rights with reporting fraud accounts on my credit report. I tried countlessly to report the issue with them but they keep send letters back in XXXX saying the accounts is verified. I sent letters back asking their method on verifying the account, i also ask to send me the original document stating how I owe these frivolous accounts. but no response. I would like these accounts deleted from my credit report immediately.

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 2019-10-23
Company: WELLS FARGO & COMPANY
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I filed a claim with my bank Wells Fargo for a transaction I paid for using my debit card with XXXX logo. I had been informed my purchases were protected. Wells Fargo closed my claim inquiry. I asked them why it was closed and they told me I would need to contact the merchant directly as I used a 3rd party app to pay for the service I did not receive. I know countless people who have used 3rd party apps and the validity of their claim was not based on who processed the payment.I paid a merchant for a service I did not receive and I have text communication from that merchant that proves I did not receive the service. I need to have the claim reopened so that I may provide the documentation that supports my claim. Wells Fargo did not even request supporting documentation. XXXX or Wells Fargo should refund my 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 2023-05-24
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX, d/b/a XXXX XXXX has negatively impacted my personal finances in addition to negatively impacting my credit scores without justification. This has caused substantial harm over the past decade and also negatively affected XXXX XXXX and XXXX XXXX as a result of their gross mishandling of my account with them or even negligent attention to correct misapplied payments and at time charging double while carrying over late fees over multiple years without applying payments to the principal. To this day the continue to miss report on my personal credit report a derogatory statement of late payments even though they have accepted payment in full, this comes after having successfully complete XXXX XXXX Bankruptcy and the firm during that time having employees incessantly calling me for monthly payments after the program was completed.

Company response to consumer: Closed with explanation