BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
The items still showing up on my credit report all need to be removed. As these were charge offs between XXXX by " XXXX XXXX '' prior to selling to XXXX Bank in XXXX of which XXXX Bank is still trying collect debt. Therefore, both negative reporting on ( XXXX XXXX # XXXX AND XXXX # XXXX ) with XXXX Bank need to be completely removed from my file as they were not the original creditor that discharged these accounts. Also, the XXXX negative report remaining from Portfolio Recovery on ( XXXX # XXXX ) was charged off by XXXX XXXX in XXXX and needs to be removed completely from my files. I continue to get letters the claim they have never heard of my complaint but I have made a few through the XXXX agencies and CFPB. I am again attaching a file with proof of charge off 's.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Lady named XXXX from XXXX XXXX keeps calling stating I am being served for balance on a CC from Wells Fargo. She and her company have been calling various family members. The numbers are XXXX and XXXX. I have told them that this is inaccurate as I have already settled this balance back in 2016. I have never received anything in mail just calls. She keeps saying that they are mediators and that the case has been released and that I will be served.

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 2022-02-10
Company: FC HoldCo LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
When I filed for bankruptcy, my lawyer included my car loan in the bankruptcy against my directions. The loan was paid in full. I have the title and the letter from the bank that states these facts. I have filed a dispute with XXXX and they still have not changed the info on my credit report. This is very, very unfair. I paid the loan off either on time or maybe 1 month late. I am not sure. Please Help!

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 2022-06-09
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE XXXXXXXX XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-25
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
I WAS NOTIFIED BY XXXX RADIO THAT THEY WERE RENEWING MY SUBSCRIPTION OF MY XXXX RADIO 'S I THINK TIS WAS IN XXXX XXXX. I CONTACTED THEM INDICATING I DID NOT WANT TO RENEWAL MY SUBSCRIPTION..THEY GAVE CONFERIMATION OF THIS ACTION I LOST THIS INFO. THEN MY CITI-CARDS AT & T UNIVERSAL CARD WAS BILLED {$370.00}. I CONTACT XXXX ABOUT THIS ... ..THE REP SAID HE WAS GOING TO GIVE ME A SPECIAL BUNDLE FOR {$120.00} FOR ONE YEAR PLUS REPLACE MY LIVING ROOM RADIO.. HE TOLD ME I WOULD GIVEN A CREDIT XXXX. I WAITED SEVERAL WEEKS ... I WAS TOLD AT & T UNIVERSAL CARD THEIR WAS NO CREDIT GIVEN ... ..I THEN FILED COMPLAINT WITH THERE BILLING DISPUTE DEPT ... ... I REC 'D A LETTER FROM CITI-CARDS ON XXXX XXXX, 2015 THAT THEY REVERSED MY CREDIT BASED ON INFO FROM XXXX ... .THEY MATERIALS THAT USED WAS MADE NO SENSE ... I HAVE BEEN FAXING AND SENDING LETTERS TO CITI-CARDS XXXX. XXXX XXXX XXXX, SD XXXX. I HAVE BEEN DEALING WITH XXXX XXXX ... SERVICE SPECIALIST..HER PH XXXX..THE DISPUTE PHONE # IS XXXX ... FAX XXXX HAVE HAD THE AT & T UNIVERSAL CARD SINCE WHEN AT & T CREADED THE CARD WHICH IS OVER 20 YRS . XXXX XXXX IS A VERY CORRUPT COMPANY..THEY HAVE BEEN FINED BILLIONS OF DOLLARS OVER THE YRS BY FTC. IT SEEMS XXXX XXXX TAKES THE WORD OF CORRUPT ENTITY WITH INSUFFICENT DOCUMENTATION. I TOLD XXXX XXXX GO TO FTC.GOV IN ORDER TO FINE OUT HOW MANY COMPLAINTS HAVE BEEN FILE WITH FTC.IT SEEMS CITI-CARDS HAVE BEEN VIOLATING SOME FEDERAL OR LAWS

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
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 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. I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I filed for a Chapter XXXX Bankruptcy which included my home. It was clearly indicated that I was forfeiting the house and not reaffirming the mortgage loan. The BK was discharged in 2010. My attorney advised me to move out of the home promptly which I did. The lender sent me a letter stating that they are going to foreclose on the home, which they still to this date have not done leaving it in limbo with me as the " owner on title '' still. The Home Owner 's Association is now suing me for about {$20000.00} that I was even aware for years. The lender is still reporting the debt and it is reflecting on title work for the property even though it was clearly included in the Bankruptcy.

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 2021-04-21
Company: TOYOTA MOTOR CREDIT CORPORATION
State: RI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
i have filed a dispute in regards to the incorrect items on my credit report, it has been over 30 days and I haven't received any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I requested validation of debt pursuant to XXXX XXXX XXXX. I received a letter and a bill, which is not an adequate response according to XXXX XXXX XXXX I am requesting all documentation required. I notified Lead BANK ( Capital one ) of the identity theft fraud and yet they still claim that the account is allegedly mine. I demand Remedy of the alleged debt being removed from all reporting agencies and invoice of Federally Protected Consumer rights violations being paid in full by check pursuant to XXXX XXXX XXXX. XXXX and Remove Account. 

Pursuant to Regulation XXXX of the CFPB XXXX XXXX ( Capital One ) is in Violation. I DEMAND they be held accountable. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I purchased a car about 3 years ago, with Toyota finance, I was involved in a car accident, the other Party 's insurance took cared of the pay off amount on my car, I tried purchasing another car in the same dealership, once they checked on my credit, the toll me that I have a charge off amount of {$7800.00} which is not true, I have documentation stating that I only own them {$470.00} which I 'm willing to pay if they help me by taking that charge off, off my credit because like I said its not true

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
XXXX and XXXX XXXX re-aging another account that was reported and removed from my account long ago. It is now showing up as a new collections account as of XXXX XXXX, 2015 from XXXX XXXX XXXX for {$600.00}. 
I had a Bank of America account and I closed the account because they were repeatedly making it look as if I was debited the account with no funds. I wrote many times not to allow my account to be charged with no funds in the account. I would have money showing in the account and when I used it I would get over-limit fees and other fees until they charged up to over {$600.00}. I had close all my accounts with them and refused to pay because I know I did not use the card. I even closed a money market account and a few months later the bank reopened it and started to charge me fees on it. I had to let them know I had taken my money out of their bank and they had no right to reopen the account. 
This bank took money from me for charges I did not make.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
Company: Experian Information Solutions Inc.
State: MD
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   XXXX  continues to report account on my Experian report as charged off sold to another vendor. Numerous attempts have been made to Experian indicating Original creditor sold debt meaning they wrote off the debt on their taxes which also wrote off the obligation to pay. Which means " contract was cancelled '' " NO CONTRACT ''. Numerous letters have been sent via certified mail starting  XXXX    XXXX   thru present. Experian continues to have the incorrect information reporting on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-19
Company: ERC
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 am writing a complaint in regards To the three credit bureaus XXXX, XXXX and XXXX XXXX. 
I am also writing this complaint in regards to the companies XXXX XXXX XXXX XXXX and ENHANCED RECOVERY COMPAN. Im having a hard time getting my information verified or deleted and under the fair credit reporting act, 609 ( a ) ( 1 ) ( A ) they are required by federal law to verify. To verify they have to have proof of an original signed contract otherwise they have no authority to report this on my credit report. I have yet to receive any signed documents that they can verify. Ive sent out two letters to dispute this information and Both times all three credit bureaus verified it. After my first round of dispute letters I received a package in the mail from ENHANCED RECOVERY COMPAN in regards to my dispute and I know thats not allowed. XXXX XXXX deleted one of my accounts but the other two bureaus updated it and I dont understand how thats possible when its already deleted. I would like to ask XXXX XXXX XXXX XXXX and ENHANCED RECOVERY COMPAN to stop reporting this immediately because they can not verify the information and the three credit Bureaus to delete this from my credit report because this is really hurting my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card
Issue: Credit determination

Complaint:
I obtained a secured credit card from Bank America in XXXX XXXX. I provided {$99.00} and received a {$500.00} credit limit with the " opportunity '' to increase the limit and have my deposit returned after six months. At the same time, I was issued an unsecured credit card for {$7000.00} with XXXX. I used the BA card and paid the total balance faithfully over the next six months. At that time I requested and increase and return of my deposit. I was refused and told to re-request at my one year anniversary. Over the period of this past year I worked on restoring my credit rating with XXXX up to XXXX. Upon re-requesting on XXXX XXXX, my one year anniversary, I was again refused. The letter I received states my score on XXXX/XXXX/XXXX was XXXX. Not true it was XXXX. Many years ago, I incurred over $ XXXX in personal debt keeping a business open. I spent over 5 years paying off that debt as of XXXX/XXXX/XXXX. I have since re-established my credit and currently have other unsecured charge cards totaling {$12000.00} in credit limits with only XXXX % being utilized. I no longer have any serious delinquencies, no public records, and only XXXX collection on record of {$260.00} which I paid for in XX/XX/XXXX. I only have XXXX total inquiries over the last year, XXXX of which are the BA increase requests. I just lost XXXX points because I made this latest request from BA. I 've also been notified that I will be billed an Annual Fee of {$39.00} on my XX/XX/XXXX BA statement. I actually had to go back in my checkbook to XXXX XXXX to find out how much I paid BA for a deposit fee. It 's not listed on any of my statements. They have had {$99.00} of my money for over one year. Is this highway robbery or am I just dazed and confused? I 'm sure I am not alone ; there are probably thousands of poor souls out there like me. Thank you for your thoughtful consideration and being there for us citizens. I had nowhere else to turn and appreciate any assistance you can provide..

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 2015-10-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Incorrect/missing disclosures or info

Complaint:
Requested subpoenaed records from Bank of America on Intestate Account of decedent for XXXX County Georgia Probate hearing. BOA did not send records to the requestor, instead sent records to XXXX County Probate, they in turn redacted and presented records to requestor that were erroneous and not full record. BOA as an institution should have records on all wire transfer of funds an XXXX Account. Instead records have been suppressed, not presented under court subpoena and has allowed the Court Administrator 's interest and defrauding of the BOA XXXX Account of decedent

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-08
Company: CITIBANK, N.A.
State: AZ
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 applied online for a credit card with Citibank approximately XXXX XXXX. I never received the card and approximately XXXX XXXX I received a call from a customer service representative from Citibank advising my payment was 30days past due. I advised the representative that the card was never received or activated, and therefore no charges were made by me. The representative advised the charge was for the annual or yearly fees associated with the card. The representative confirmed that the card was never activated and At that point I closed the account, and was advised the charges would be reversed. Several months later a 30 day late was reported to all three credit reporting agencies. I called the original creditor and advised to have the item removed and they alleged they could not remove this item. In addition I wrote a letter to the credit dispute department at citibank asking for the item to be removed, and they advised they followed all rules and they were not at fault. 

It is my understanding that credit reporting is to administer/report delinquent acts by the consumer when they fail to repay under terms of the agreement. In my situation I did not make any charges and I never received the card for activation, I did not activate the card and I did not make any purchases with the card. At the point of cancellation, before I even saw the 30day late on my credit report, I cancelled the card and was advised by the representative that the annual fees would be reversed. 

Credit worthiness is very important to me and all consumers demonstrating an ability for an individual to repay debt in a timely manner in accordance with the terms of the loan or credit issued. I take this very serious and exhausted all means to resolve this with the issuing credit company, and did not receive any cooperation. As a society we have a responsibility to be pragmatic and practical with policies and regulations, and companies should be held responsible for practices that are not consistent with sound consumer financial issues. The creditor was not disenfranchised by any act by me, again the credit card was never activated or used. 

** ( Please note this for the account that had a {$450.00} charge for the annual fee, I have another account from the same creditor on my credit report that is accurate that does not show any late payments, that account is not in question )

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 2016-03-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
My Bank of America credit card was always paid on time and paid in full yet the stated late payments and I settled with them which is false.

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 2022-02-11
Company: ARVEST BANK GROUP, INC.
State: MO
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Two deposits went in to Arvest Bank account in Missouri I closed the account at branch on XXXX XXXX  in XXXX do to 1000 dollars un accounted for missing and two weeks later I went to desput the 1000 at branch on prospect and account was opened still with XXXX $ was there And I snapped on them two days in a row and they closed the doors on me not giving me the proper paperwork to despute any false transactions I had to go to branch on XXXX XXXX XXXX mo.to get proper paperwork and that was a moth later and they showed me more new information bottom line the bank said I was right about me not writing checks and taking out money but it was past the time frame to dispute it.

Company response to consumer: Closed with explanation