BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-28
Company: ENCORE CAPITAL GROUP INC.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I was sent an agreed judgement for biweekly payments of {$11.00} starting on XXXX the paperwork was not received till after the XXXX. When i contacted them to get a revised agreed judgement they insisted i sign the one that has a date that has already passed. I have since also received a letter saying i am now in default of said agreement. i contacted someone to explain that i will not sign something with a back date that shows i did not keep my end of the agreement and that i would need a revised agreed judgement with a future date and they advised that they will not do that. their practices are misleading and malicious. I told them i would start the payment in XXXX to allow them time to send me a revised agreed judgement with that date and that i would be happy to sign that. They will not do that. they are trying to make it appear that i am not willing to pay when i am but i will not sign a legal document showing i was supposed to make a payment on XXXX when the document was not received till after that time. i believe they intentionally sent it after the due date to they could continue to proceed against me legally and not honor the payment agreement that their website initially let me set up, auto deducted payment from my bank account and then automatically took off.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-21
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
To Experian,   XXXX   and   XXXX   I sent a certified letter asking ton only report my current information but my report is still showing inaccuracies! Please read this carefully this time.     Please remove everything EXCEPT Current addr :  XXXX   XXXX   XXXX  #  XXXX   XXXX   XXXX ,  XXXX  Current # :  XXXX  Current job :   XXXX   XXXX   XXXX   XXXX   XXXX       (   These are the only things that should be reported at this time ).     Anything else on my report as far as addr, phone number or employer should b e DELETED., This is my second request and first request was sent certified so I kno w it 's been received it just was n't done.

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 2018-07-02
Company: CITIBANK, N.A.
State: NJ
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:
There is an item on my credit that is quite old and was settled up years ago through a debt consolidation service/ Legal representative called XXXX XXXX/ XXXX XXXX XXXX whereby this item was settled and negotiated and paid yet it is on my credit as a past due and I can not buy a home because of it. The item is XXXX and is on all 3 credit bureaus.. 
also the balance is XXXX and should read XXXX. AC number is XXXX closed back in XX/XX/2013 but keeps getting reported every month

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 2020-11-15
Company: SYNCHRONY FINANCIAL
State: KY
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:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2020-12-28
Company: Rocket Mortgage, LLC
State: MO
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/2020 XXXX XXXX Quicken loan mortgage paid XXXX for XX/XX/2020 mortgage. I viewed my mortgage payment history payment returned and amount and missed mortgage payment returned date XXXX ; amounts and dates money returned XXXX $ XXXX $ XXXX $ XXXX, XX/XX/2020 $ XXXX {$100.00}. There were no notes in my acct explaining what is listed above. No letters for returned money from my bank or Quicken loans. I called Quicken loans client specialist XX/XX/2020 XXXX : XXXX Mrs XXXX explained XXXX over payment. I told her no over pay money XXXX not mine. Mrs XXXX then said Supervisors might have questions for me to hold. Supervisor XXXX said XXXX was over my acct. But in phone then XXXX off phone will call me back. I told Mrs XXXX XXXX stolen money within Quicken loans bank scam in Quicken loans they tried to use my bank acct. Mrs XXXX should have fixed XXXX back in XX/XX/2020, but the XXXX was divided into my acct. The acct didn't show XX/XX/2020 mortgage due, the acct showed XX/XX/2020 due Mrs XXXX verified no payment due for XX/XX/2020. I told Mrs XXXX that's not so, the XXXX not mine. I paid XX/XX/2020 XXXX. For XX/XX/2020. And they need to fix the problem and stop using my act. I pleaded with Mrs XXXX please give my request to higher ups. Mrs XXXX called me 2 more times wanting training for her supervisor position with Quicken Loans. I told her every thing as a customer and she still tried to get me to do something I don't know anything about Quicken loans acct payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I sent out numerous affidavits of dispute to TransUnion and XXXX  since XX/XX/XXXX. My most recent affidavit was sent out certified mail with return receipts XX/XX/XXXX. Both companies received my disputes on dates XX/XX/XXXX and XX/XX/XXXX. In my dispute letters, I asked for their validity and verification of an alleged bankruptcy on my credit report. XXXX  failed to provide such verification documents bearing my signature or methods to validate the account. TransUnion failed to respond all together to my request, which is a violation of FCRA Sec 611 ( a ) ( 1 ). Within my affidavit of dispute, I enclosed documents from the court that is listed on my report, stating they do not report information to the credit bureaus. I also enclosed information from XXXX stating they do not have any bankruptcy record on file for me so XXXX  is reporting inaccurate information stating they retained such information from XXXX. I also enclosed information of my XXXX report showing there is no public record on file for me. So with all the supported document I have filed, I request that the derogatory account be deleted from my TransUnion and XXXX reports.

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 2016-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Trans Union is not responding to my request to investigate, verify and remove accounts from my credit report that do not belong to me per The Fair Credit Reporting Act.

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 2020-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
I have not received any investigation results from the accounts I disputed over 30 days ago.

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 2020-12-28
Company: CITIBANK, N.A.
State: NH
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:
I recently checked my credit score reports and all include an old Citibank Card as a problem account that is negatively affecting my rating. 
In XX/XX/XXXX, I left the XXXX to take a teaching job in XXXX. That same month, I apparently owed {$1.00} on my Citibank card, probably a leftover interest charge. Because I had left the country, I did not receive a bill. 
A credit report shows that over the next year plus, Citibank kept piling onto this original {$1.00} penalties and whatnot until, as of XX/XX/XXXX, the amount owed was {$140.00} ; they then closed the account and reported it to the credit bureaus. 
In XX/XX/XXXX, because of the pandemic, I abandoned XXXX. After being marooned for XXXX months in the XXXX, I repatriated to the XXXX this past XXXX. During my entire time overseas I did not receive any mail from the XXXX. 
The Citibank report and the damage it's doing to my credit rating seem patently unfair, especially given my circumstances. I tried to contact Citibank using two different phone numbers provided by the credit agencies, but was unable to reach a human being.

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 2016-05-07
Company: PNC Bank N.A.
State: DE
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Problems caused by my funds being low

Complaint:
I was a recipient of a UDAAP violation wit PNC Bank. I received XXXX overdraft fees due to a deception with account information in the contract. I currently have overdraft protection on my checking account. but when I switched too XXXX checking accounts and a savings account my overdraft protection only covered my main checking account. This information was not shared with me in my initial contract or when a similar situation happened last year. I received my overdraft fees on Thursday XXXX XXXX and my direct deposit was received on Friday XXXX XXXX. I had XXXX transactions on XXXX XXXX and I was fine letting the transaction go through because my overdraft protection would pull the additional funds from my savings account. I had plenty of money to cover the overdraft in my savings account. I tried to resolve the issue directly with PNC Bank but they are refusing to further investigate the call that was done exactly a hear ago and if the representative explained the limitations of my second checking account. As I first stated this is a UDAAP violation of my protective rights as a consumer. The contact was deceptive t explain my account limitations of overdraft protection and the representative was deceptive by not explaining the detail of my contract when the situation happened a year ago. I was only informed about this on Friday XXXX XXXX in detail and now understand.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Follow up complaint to CFPB Complaint ID : XXXX I filed a complaint with the CFPB previously about pension funds that should be reversed to XXXX by Capitol One. I had requested the reversal after I made a pension fund deposit in error in XXXX. The check was made out to XXXX XXXX XXXX ( my name ) for IRA rollover and should never have been accepted for deposit by Cap One. I immediately contacted Cap One and asked that the deposit be reversed. It took a full month for them to complete this reversal which shows as a reversal on my Cap one checking account on XX/XX/XXXX. Since that time, XXXX, the check issuer, has not received the funds back. During that time, I called Cap One customer service at least every week and requested that the funds be transferred back to XXXX, and I also Emailed contact people at Cap One asking for escalation numerous times. I also called CapOne customer service with a XXXX representative on the phone hoping to facilitate the transfer back to XXXX. 
After I filed my initial CFPB compliant, I received a letter from Cap One on XX/XX/XXXX, which directed me to contact a representative a Cap One named XXXX to complete reversal of inadvertently deposited funds back to XXXX, the check issuer. Since that time, I have attempted to contact XXXX over a dozen times, each time leaving a phone message and phone number where I can be reached. She has not contacted me. I have also called the general customer service number at Capitol One on multiple occasions and they have been unable to help me, telling me that they would investigate the issue and call me back. I have called them for further escalation on XX/XX/XXXX and again on XX/XX/XXXX. They stated that they would have " XXXX '' call me back. This has not happened. 

I have been trying to get this pension check roll over reversed to XXXX since XXXX. I have spent hours on the phone with their representatives, have written Emails to their contact people, and have now spent an additional month calling XXXX in the office of the president. The customer reps who I called on XXXX and XX/XX/XXXX have Emailed " XXXX '' to try to get her attention and have not gotten any responses. Please assign someone to handle this intervention with cap one since my pension fund rollover has been in limbo since XXXX. It is no longer in my Cap one checking account ( since XXXX ) nor is it in the XXXX pension fund account that I am closing nor is it in the IRA rollover at XXXX XXXX. It should be in one of these accounts earning interest. The amount of time I have spent trying to resolve this problem is outrageous.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: OpenRoad Lending
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
I have received notice from OpenRoad Lending, stating on the delivered mail regarding a current auto debt, which is a direct violation of my consumer rights under the FDCPA I may also state that I never entered a agreement with OpenRoad Lending for them to have my private information and use it in such a unlawful and disrespectful manner. This company has my private business matter printed on the envelope is unfair and unconscionable, so embarrassing for my information to be public posted for everyone to know that this company acknowledges current debt and trying to collect a debt also by intimidation of stating in the late a high payment due of {$530.00}. All of these violations fall under 15 usc 1692f, 15 USC 1692g. My identity was used by this company without my authorization which is also identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22
Company: BMW Financial Services NA, LLC
State: UT
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have a loan with BMW Bank of North America for my XXXX XXXX since XXXX of 2015. I pay XXXX extra every month on the loan yet my interest each month remains the same. I can not log into my loan online so apply my extra payments to the principal because the website is perpetually down. I get a XXXX error that the connection timed out. I have tried to access the site from home and at work. How can I manage my loan when I can not log into the website?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: Experian Information Solutions Inc.
State: NC
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 wrote to the credit bureaus on XX/XX/22, XX/XX/22, and XX/XX/22 about the collection accounts attached to this complaint. I requested the original contact, signed by me, for these accounts along with the signed document giving them permission to purchase these accounts. I have not received any documentation which is a violation of the FCRA.

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 2020-12-28
Company: EQUIFAX, 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:
I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. The accounts in my profile are not mine. Please help me and remove these wrong unknown accounts as they kill my report. Also this wrong information influencing on my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
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: Information belongs to someone else

Complaint:
I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. The accounts in my profile are not mine. Please help me and remove these wrong unknown accounts as they kill my report. Also this wrong information influencing on my life.

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 2020-12-28
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
on XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), of the FCRA, it states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX  data breach and may have gotten into hands of the wrong person.

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 2015-08-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: RI
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio Recovery calls at least once a day for the last XXXX years. We 've told them years ago to quit contacting us.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-06
Company: BB&T CORPORATION
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
The credit balance of the account is XXXX and all the outstanding debts were waived by the company and yet the information has n't been given to the credit agencies. I would like for Regional Acceptance Corp to immediately send the updated information to all XXXX of the credit reporting agencies.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: Lenmo Inc
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Lenmo unlawfully conducted an ACH payment out of my bank account without my permission. The ACH payment was conducted on XX/XX/2020 on my bank account, with the late payment added, which I was told initially I would be refunded. I have attempted to contact them several times via email. 

I have proof of email communication, on that communication, it does not state I authorized any payment with Lenmo. The email communication has been attached with this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: Netspend Corporation
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
Within the last month we have received 2 Netspend Prepaid Mastercards at our address with names of individuals that we do not know and that have never lived at our address. 
First card received was issued to XXXX XXXX and second card was issued to XXXX XXXX. I called the toll free number and refused the card from the first mailing. I could not speak to a Customer Service Rep by using the number provided because it's an automated system and there's no option to speak to a person. Why are these cards issued with our mailing address? 

1. XXXX XXXX # XXXX XXXX XXXX XXXX sent from Netspend 2. XXXX XXXX # XXXX XXXX XXXX XXXX sent from WesternUnion Netspend Both mailings have a return address of : XXXX XXXX XXXX XXXX XXXX, TX 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