BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-23
Company: CMRE Financial Services, Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have not called them yet for I just looked in my mail and found this. Says I have a balance due of {$320.00} from something I have no clue what it is about. I went online to look up the company and have seen many negative responses about them.

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 2018-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
About XX/XX/XXXX I filed a dispute with this credit bureau reporting that the bankruptcy account listed on my credit report was inaccurate. Around XX/XX/XXXX I received this response : The company that reported the information has certified that the inofrmation is accurate. This item was not changed as a result of our processing your dispute. Please review your report for the details. XX/XX/XXXX I  replied to the credit bureau stating that the information reporting on my report is inaccurate. Furthermore, the office of the clerk for the bankruptcy that is being reported on my report, stated in a response letter to me they do not report to the bureaus, but this credit bureau has a bankruptcy reporting on my credit and has it listed as XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX listed as the company reporting it. I would like this bankruptcy removed from my report immediately. If the bankruptcy is not removed within the time given by the law, I would like to pursue relief for the damage incurred by this false reporting.

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 2020-04-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 got an email from Bank of America in response to my previous claim. In the mail has been stated to call this number before the XXXX of XXXX to speak with miss XXXX, I called multiple time avery day during the whole week and every time what I get is a Voice note. I LEFT A VOICE MESSAGE WITH MY NAME AND PHONE NUMBER AND TILL THIS DAY NO ONE HAS CONTACTED 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 2020-04-14
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have repeatedly filed disputes with Santander for inaccurate reporting of this debt. 

The car was repossessed by Santander in XXXX and sold at auction by Santander in early XXXX. 

Santander is incorrectly reporting that the account is currently no being paid it reports 72 charge offs. 

Unfortunately I cant access the paperwork showing the repo date because all of my paperwork with them was electronic.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20
Company: Ad Astra Recovery Services Inc
State: PA
Product: Payday loan
Issue: Can't contact lender

Complaint:
last year i was something inaccurate on my cbr and i contacted this creditor to get this resolved i sent them a copy of a police report and a letter stating this was identity theft. They are now asking for me to submit this info to the support desk at XXXX but its not working when i contacted the company they were extremely rude and would n't provide a alternative to submit my police report for this fraudulent claim

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08
Company: Experian Information Solutions Inc.
State: NV
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:
I have tried in three separate mailings to resolve this with XXXX, Experion, and XXXX. On each occasion I included the required identifying information along with court documents showing the respective dates of a dismissed without prejudices  bankruptcy (mine) in the XXXX (XXXX) Bankruptcy Court and the court document showing the Discharged (XX/XX/2018) Bankruptcy case in the XXXX   Bankruptcy Court, along with my request that the credit reporting bureaus recognize the dismissed bankruptcy on my credit report, which they had not done for over a year, and that they report the discharged bankruptcy in the Nevada court.  I just completed my fourth mailing and neither of these request have been honored by any of the three major credit reporting bureaus.

BOTTOM LINE: My credit report is not accurate which I believe the Fair Credit Reporting Act requires the 3 bureaus to ensure.

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 2021-11-13
Company: EQUIFAX, INC.
State: NJ
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:
XXXX XXXX XXXX Last reported XX/XX/2021 {$480.00} Open balance XXXX Original creditor Is not my account. I have no knowledge of this account please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20
Company: BBVA FINANCIAL CORPORATION
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The date of last activity on this account was XX/XX/XXXX. Compass is illegally reporting 120-180 day  lates through XX/XX/XXXX. I have tried to resolve this a few times through the credit bureau dispute process and Compass just ignores my request for correction. See screenshot of my credit report attached

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I took out a payday loan from ACE when I was XXXX years old. I am XXXX years old now. They have sold and resold this debt and I have paid it off many times because they threatened to arrest me. Now 9 years later I keep receiving phone calls and harrassing letters threatening me again but this time with a civil lawsuit and reporting badly against my credit to the credit bureaus. I found ypur information when I starting researcging if this was happening to other people and found out that not only is it but there has already been an agreed upon settlement in XXXX. It is XXXX and they are still up tp the same tricks. I spoke with a lawyer about it years ago after I was done repaying and repaying and he said that a company will keep reselling a debt even after paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
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: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX I have previously contacted your company about this account XXXX XXXX  XXXX  with account # XXXX and this account was deleted from my file and did not show any more. I am writing because upon checking my account again, this account has been relisted and reasserted to my credit file and I was never notified of this being relisted with credit agencies. 

The Fair Credit Reporting Act ( FCRA ) requires the credit reporting agency to notify you no later than five days after the date of reinsertion. Under 15 USC 1681i ( B ) ( ii ) this is a violation of my rights and under TILA LAW this is a major violation. They are also violating my rights under Pursuant to 15 USC 1681b ( a ) ( 2 ) this company is reporting an account without my consent.

This collection being added to my file has hurt my report and I demand this account be removed and blocked from being reported. and under TILA VIOLATIONS I DEMAND VIOLATIONS PAYMENT OF {$5000.00} AND ACCOUNT REMOVAL ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: PNC Bank N.A.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I called PNC bank at the customer service # XXXX talked wiith XXXX XXXX in XXXX2020 at XXXX XXXX   aproximately regarding a payment extension because i'am on an unpaid leave until further notice pending federal, state or county authorization to reopen because of the COVID 19 W.H.O. declared pandemic and US nationally declared emergency and he told me he was transfering me to collections department to resolve the issue, then XXXX answered at XXXX aproximately from the collections department i explained my issue and she told me that i will have a payment term extension and not pay nothing until XXXX2020 and a letter will be sent to me. 

I received the letter aproximately a week later from the XXXX2020 call and it states that in one of the terms and provisions that i may have a negative effect on my credit. I called immediately at the phone number on the letter which is XXXX when someone i assume a female voice answered ( who didn't give me time to ask her name by the way ) from PNC Bank collections department on XXXX XXXX XXXX XXXX2020 at aproximately XXXX i asked her that if my credit will be affected by this agreement and she rudely and in a cutthroat manner told me they dont work with credit reporting companies that i need to call them or handle it with them. I asked her for a manager and she told me that the manager will tell the same thing and in the second time i asked her she cut me off and sent me to a hold and then another customer service agent i think from collections named XXXX answered at aproximately XXXX am that day. XXXX told me that that is just a term or condition that is in the blanket agreement but that i don't have to sign it and send it. 

Also PNC bank sent me another letter stating : a Notice of Right to  cure and intent to repossess dated XXXX XXXX 2020 stating i need to pay XXXX2020 or they will be exercising their rigths under the law such as the rigth to repossess any property held as collateral and hold me personally liable or responsible for any diference between the sale of the property and the final balance. 
The CARES act specifically provides information and what to do regarding this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid the full balance that was given to me over the phone with a debit card & thought it was resolved.The rep was satisfied & never told me the correct amt ( I guess ) Many month afterwards I kept getting notices by mail & phone that I owed a {$3500.00} late fee. That turned into the {$330.00} in collections, I spoke to a rep & tried to resolve this & pay the original {$35.00} if they sent me a bill reflecting that amt. 
They agreed to send me one, but I kept receiving a statement for {$330.00}, so I got nowhere & referred the acct to collections. Told them the same story & they have my original pymt on record & they have n't worked with me. {$35.00} turned into {$330.00} Unfairly!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
so back XXXX had problems with the paying the bill because of the corona virus because of my job cutting back my hours. I made arrangements with and caught up my payment s on both of my accounts ending in XXXX XXXX I had some problems starting in XXXX with the corona virus and I could nt make my min payment in XXXX on both of accounts I know I had some waivers on my account in the past but these 2 were def due to corona virus and none of the customer wants to help get those removed saying I have already had waiver s in the past and another I talked to them on the XXXX caught up my account they told me I wouldn't have to make another payment its still shows on both accounts that a minimum is due I want the late fees. Your customer service is like robots with the power to do nothing I want my late fees  for XXXX waived these late fees on both accounts due to corona virus but none of your reps wan na listen

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
A Company called Portfolio Recovery has done all of these things. Contacted family in other states, contacted employer, threatened me, calls multiple times a day from different numbers, wo n't tell me what this is for ... .etc ... ..FOR SEVERAL YEARS!!!! 
Please stop them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09
Company: Caliber Home Loans, Inc.
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX XXXX XXXX ( XXXX ) made an overdraft from my checking account for my XXXX mortgage paymentin the amount of $ XXXX requested the overdraft amount of $ XXXXto be placed back into my checking account.Thisscenariocould have been easilyresolved were it not for theexistingXXXX governingletters, rules, policies andregulations. 

XXXX statement for XX/XX/2016mortgage paymentfrom XXXXstatement stated my mortgagepayment for XX/XX/2016was $ XXXX budgeted for this amount from my XX/XX/XXXX checking account.XXXX posted myMortgagePayment due on XX/XX/2016to my checking account on XXXX XXXX, 2016 for $ XXXXand theamount was paid by my bank toXXXXon XXXXwas {$840.00}. 

The amount of {$840.00} was posted as pendingto my checkingaccount on XXXX XXXX, 2016. I began calling andrequesting XX/XX/2016to havetheoverdraft amount of {$40.00} returned to my checking account. Finally, on XXXX/XXXX/2016 I was informed by a manager thatI could dispute the amount removed from my checking accountor have the overdraftamount placed on the principal of my loan. I was informedXXXX simply could not honor my request to put the {$40.00} back into my checking accountwithout a statement from my bank on letterhead stationery stating " the {$840.00} will not be returned or disputed '' and to " enclose a copy of the checktransaction from my checking account ''. My banking institution refused to write the letter, stating XXXX made the overdraft. 

The mortgage company agreed to work with me, but since mybank would not draft a letter perXXXX guidelines and specifications, I was left with the decision to eitherdispute the overdraft or the overdraft amountwouldhave tobe applied to the principal of my loan. AlthoughI budget my money to the penny each month andcould have used this money towardother fixed expenses, I agreed tohave the overdraft amount applied to the principal of my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
In XX/XX/XXXX and XX/XX/XXXX XXXX charged me for an item I never received ( a hot spot, now called mobile data device ). I communicated with the XXXX representative, XXXX, and he acknowledged that it was an error by the company ( see attached letter ). However, the charge was never removed by the company. XXXX eventually referred the case to a debt collector Convergent, which has negative impacted my credit score. Even after my attorney sent them a cease and desist order, they continue to dun me for an item I never received or used.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14
Company: Credit Protection Association, L.P.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have never had cable in my name. I am XXXX and live with my parents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-14
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Under XXXX Requests for Information, I am hereby writing to you to request specific itemized recorded information about the accounting and servicing of the mortgage and of my need for understanding and clarification of various charges, transactions, actions, payments, analyses and records related to the servicing of my loan of attorney fees as it relates to XXXX & XXXX. 



I am disputing the validity of the corporate advance debt you claim that is owed for attorney fees. To independently validate this debt, I need an itemized breakdown of the services performed linked to the monies disbursed ( see attachment ) XX/XX/XXXX to XX/XX/XXXX. 


I also request that you conduct your own investigation and audit of XXXX XXXX and XXXX XXXX account whether the attorney fees has been deemed reasonable based on the services rendered. I need to ensure that the attorney fees disbursed to XXXX XXXX XXXX in the amount of {$8400.00} based on the work performed is accurate to the XXXX. Please do not rely on previous servicers or originators assurances or indemnity agreements and refuse to conduct a full audit and investigation of my account of monies disbursed or provide justifiable information or itemized breakdown of the services performed. 



I want to ensure that the fees charged were for actual services performed or rendered. As such, please treat this letter as a Request for Information under 12 CFR Part 1024 ( Regulation X ) 1024.36. A servicer must comply with the requirements of paragraph ( d ) ( 1 ) of this section : for requests for information, not later than 30 days and acknowledge receipt within five days to provide a written response acknowledging receipt of the information request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21
Company: EQUIFAX, INC.
State: MI
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:
Equifax exposed my personal information. It is their DUTY to protect my personal information. For the rest of my life, I will have to be concerned, anxious, troubled, perturbed, upset and distressed about my personal credit information being exposed!
Equifax is the company I am complaining about. Are credit bureaus regulated?
I work at a XXXX XXXX and we have 6 audits every year!!
Who is involved? The WHOLE COUNTRY.
What steps are the CFPB taking to control this situation and regulate the bureaus?
This is very unsettling.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08
Company: Professional Finance Company, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I used a template found on the CFPB site to dispute this collection account and they failed to properly validate the account. I followed all the steps the CFPB told me to take so I feel that this account should be deleted from my credit report since this collection agency failed to properly validate and send me everything that the CFPB says I can request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: ENOVA INTERNATIONAL, INC.
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
Very misleading, insane interest rate ( 165 % ) I needed this for a short term dental emergency and this company wouldnt approve me because my bank letter wasnt signed by a bank employee ( my bank is XXXX XXXX they dont offer that ) I provided a voided check with my previous address, my bank statement, a direct deposit letter all which contained my current address, I also had XXXX XXXX send over detailed account history as well. They now have a ton of my personal information and are refusing to work with Me. Even though I have verified my bank through means acceptable to the IRS. Biggest scam company out there. I will be reporting them to the XXXX too.

Company response to consumer: Closed with explanation