BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-26
Company: BARCLAYS BANK DELAWARE
State: NY
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:
On XX/XX/XXXX of XXXX I bought a XXXX that costed {$1700.00} in an XXXX store in XXXX, New York. When I was about to buy it, the sales person offered me the Barclay credit card with XXXX rewards. He told me that I could buy the XXXX with it with no interests if i would make more than {$1700.00} in payments before XX/XX/XXXX. I accepted the offer. 

By XXXX, XXXX I had already made {$1800.00} in payments, which, according to what was said to me, would exempt me from the interests of the XXXX purchase. To my surprise, last XXXX, XXXX, Barclay added {$770.00} in interests to my balance. When I called them inquiring about the sudden surge, they said those were the interests of the XXXX I bought in XXXX. They explained that the {$1800.00} worth in payments made by me didn't count towards the XXXX purchase. I was misled at the time they offer the credit card to me. I have been trying to explain that to multiple representatives, but they seem not to be willing to help. In XXXX, they closed my account and placed the debt in an in-house collection department. Meanwhile they are still increasing my debt by adding penalties and interests every month. On XX/XX/XXXX I call them again, and the representative told me that is there is a problem with the interests accrued by the XXXX purchase I needed to meddle that with XXXX, but XXXX said they have nothing to do with it because they are not my creditor.

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 2017-06-13
Company: ERC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have an unverified account from ENHANCED RECOVERY. I had previously disputed this account. I have never done business with ENHANCED RECOVERY. Pursuant to the Fair Debt Collection Practices Act ( FDCPA )  15 U.S.C.1692g, I  dispute the validity of the debt purport I owe. I request that ENHANCED RECOVERY Provide verification of the following : 1. The original Application or contract ;  2 . Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ;  4 . Any and all canceled checks ;  5 . Original date of default and collection activity begin  6 . Whether you purchased the debt, and if so, the amount paid for the debt  7 . The date  ( s )  the debt allegedly accrued ;  8 . An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that ENHANCED RECOVERY Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: SinglePoint GI
State: IN
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:
My credit report continues to show a collection account for a company called General Revenue. The amount is {$790.00}. I have paid {$840.00} for the exact same thing through XXXX XXXX to pay off the creditor XXXX  XXXX XXXX. I have all receipts that I have paid this off through XXXX XXXX. 
In XX/XX/2021, I spoke to XXXX XXXX at XXXX XXXX and she said XXXX  XXXX XXXX  would be able to take small balance payments to get this paid off. That is what I started to do, once I realized the account was in collections. I paid this off in XX/XX/2021. 
Around XX/XX/XXXX I spoke to a XXXX at General Revenue XXXX when I received a statement saying I owed money to XXXX XXXX XXXX. and she gave me the information to dispute the statement that I received saying we owed the exact same thing through XXXX XXXX XXXX, although it is paid off. I disputed this through General Revenue on XX/XX/XXXX at XXXX and submitted all receipts. 
On XX/XX/2021, I called XXXX XXXX XXXX and spoke to XXXX. She said the account is paid in full through XXXX XXXX XXXX 
On XX/XX/2021 at XXXX I called Student Account Services at XXXX XXXX XXXX and the collections department said we are paid off. 

The collections account continues to pop up on my credit report although I have told General Revenue it was paid off and disputed it through the credit reporting companies. I don't know if they're trying to scam us, but the information is inaccurate. I have all of the payments that show this amount has been paid off, plus extra charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

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 2022-08-04
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: Information belongs to someone else

Complaint:
I recently reach out to XXXX and Experian Regarding the impact I have suffered due to fraud and identity theft. My Consumer Report has a false score and Experian and XXXX has not helped me and I am suffering through trauma due to my reputation.

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 2021-11-18
Company: EQUIFAX, INC.
State: CA
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 do not believe I have gotten a fair and honest response to items on my credit report that are unknown to me. I have sent XXXX dispute letters to all bureaus in the last 120 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
on Tuesday XX/XX/22 i noticed that there were open accounts in my name from capital one i have never had or done business with capital one i am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13
Company: Experian Information Solutions Inc.
State: ME
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:
XXXX    XXXX   I contacted  XXXX ,  XXXX , Experian about a judgement on my report.  XXXX  and   XXXX   had no issues removing this judgement. Experian even after sending all the proof that its been paid they are still refusing to remove it from 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 non-monetary relief
Consumer complaint received 2017-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I need the following addresses removed from my credit file. I have submitted numerous requests for this to happen and nothing has taken place. The current address needs to be listed.  XXXX   XXXX   XXXX   XXXX   XXXX  SC  XXXX . I have attached my drivers license and Ssn card.     Remove these addesses :  XXXX    XXXX   XXXX    XXXX   XXXX   XXXX ,  XXXX , SC  XXXX  :  XXXX    XXXX   XXXX    XXXX   XXXX ,  XXXX , SC  XXXX  Whomever that 's reporting these addresses does not have a certified permissible purpose to do so.

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 2017-06-13
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I need the following addresses removed from my credit file. I have submitted numerous requests for this to happen and nothing has taken place. The current address needs to be listed.  XXXX   XXXX   XXXX   XXXX   XXXX  SC  XXXX . I have attached my drivers license and Ssn card.     Remove these addesses :  XXXX    XXXX   XXXX    XXXX   XXXX   XXXX ,  XXXX , SC  XXXX  :  XXXX    XXXX   XXXX    XXXX   XXXX ,  XXXX , SC  XXXX  Whomever that 's reporting these addresses does not have a certified permissible purpose to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: Collection Bureau of the Hudson Valley, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I cancelled my service with XXXXXXXX XXXX XXXX XXXX about 2 years ago. I paid my bill in full and returned the equipment. I have an email confirming that the equipment was returned. 
Then a few months later I began getting a bill from them for {$110.00}. I called the company to ask what the bill was for and they were vague about what it was for, final payment or equipment..I told them I'd paid my past bill in full and returned the equipment and asked for copies of my last 3 months. They had stopped my online access so I could not access my bills myself. 
The said they could not send me those bills. 
I refused to pay them for something that I did not know what it was for as I very clearly had paid my bill in full and returned the equipment. 
Then 2 months ago they put the invoice in for collection with Collection Bureau Hudson Valley, XXXX XXXX XXXX 
CBHV asked me to either pay the debt or send them documentation why it is not owed. 

I sent them a copy of the email showing that the equipment had been returned, since that is the only thing I could be getting billed for. Instead of accepting that, asking the XXXX for more proof that I in fact owe them any money, they simply put the {$110.00} in for collection, killing my credit which as perfect payment record with not a single late or missed payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-13
Company: EQUIFAX, INC.
State: TX
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:
There has been multiple attempts to collect a debt that is not mine by XXXX XXXX. I contacted XXXX XXXX and advised that account was opened without my consent and is fraudulent. I filed a police report and submitted it to their fraud department. XXXX has tried to get multiple credit collection agencies, which have reported to my XXXX, Equifax and XXXX account several times. Each time I challenge the collection and the account is the sold to another agency and the collections goes back on my report. Sometimes it has shown back up with the same credit collection agency. 

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. 
( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13
Company: HYUNDAI CAPITAL AMERICA
State: VA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XXXX XXXX, XXXX, my husband and I went to XXXX XXXX in XXXX VA to do a trading of a XXXX Elantra that he bought in XXXX XXXX. My husband previously spoke on the phone with the same seller who sold him the Elantra and made him clear That he wanted to have a payment that was not higher than the one he was already doing. My husband decided for a Santa Fe XXXX and when starting with the transaction, the seller told my husband that as his credit score was very low, he did not qualify for financing and I was not working ; Nor could it be done in my name. Then it was decided to make a lease and they asked me to serve as co-signer and they asked me to fill out a sheet to verify my credit. I signed the document although I did not understand much English ( I speak Spanish because I am from PR ) and the transaction was approved. We signed the contract with XXXX XXXX XXXX and signed the documents as Co-signer and left the dealer with the car. After several days, we received a call from XXXX XXXX again to tell us that the contract had gone astray and that we needed to go through the dealer again to sign. When we went, XXXX XXXX told us that there were no changes, that was just signing the same and then I came back to say as Co-signer. To my surprise, a few days later two transactions appeared in my credit history that I had started a purchase of a car in my name. I checked with the dealer and they said no, that only one transaction had been made. Now I have just received a report that the day after the purchase, a credit application was made again at my name for the same vehicle. I started to investigate with Hyundai Finance and it turns out that the dealer put me as the person who was buying a car, and now I appear as de Primary- signer. I will like you to investigate this as a fraud because two weeks later my husband told me he wanted a divorce.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
To : Consumer Financial Protection Bureau, Equifax is continuously noncompliance of the Federal Law, and keep violating my rights as consumer of this XXXX XXXX. As the XXXX XXXX XXXX please I request you to stop them with their misinterpretation of my consumer report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
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:
There are XXXX accounts that do not belong to me. I have a perfect credit rating and these XXXX accounts are now damaging my reputation and needs to be removed immediately. Note, I have not ever signed a contract with these XXXX creditors listed, nor have I ever did business with them. Again, they need to be removed from my credit reports. My currently drivers license does have my correct address as well. Thank you.

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 2017-08-27
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The Dept of Education and XXXX have listed multiple loans out in my name with derogatory remarks on all of THEM. When applying for a loan through them, I was n't intending to ever be late on payments or default. My account was sold to XXXX XXXX XXXX and I 've been making every single payment on time! I need help removing these additional accounts in my name. Having one account listed with derogatory remarks is fair. I missed payments and could n't make ends meet. I believe I 've been punished for long enough for a loan I took when I was XXXX. Please help me fix this information. If my loans were combined and sold to XXXX XXXX as one entity, my credit report should show a sole account under the US Department of Education. These same loans are listed under XXXX XXXX, AS WELL. Two entities reporting on the same loans??? I should have one account under US Department of Education. Not two accounts listed for the SAME LOANS under two entities. Only one entity should be reporting these loans, not TWO. Please help me remove these other accounts.

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 2017-06-13
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On  XXXX ,  XXXX ,  XXXX  and  XXXX / XXXX / 2017 , credit card purchases were m ade at Home Depot.  The  XXXX  purchases were, without the approval or desire of the cardholder, entered into a " Promotional Purchase '' scheme whereby no interest would be charged as long as the balances were paid off by the date indicated. The problem with this scheme, in addition to being unwanted by the cardholder, is that it is not possible to pay off a particular balance, even when you send the specific amount as they break up the payment between the promotional balance and the revolving balance, or apply the amount solely to the revolving balance, which then triggers the accumulated interest. The only way to avoid the deferred interest charges is to pay the ENTIRE balance before any of the promotional balances come due because of the way they randomly split up your payment. They told me when I called that it is mandatory on all purchases over {$290.00}, yet  XXXX  purchase  (   XXXX / XXXX / 2017   ) was only for {$100.00}. When I tried their " Contact Us '' feature on their webpage, their response  sends you to the card issuer, not the retailer. This seems to me to be a retailer imposed policy not Citibank. Additionally, they  ( Home Depot )  mail me " coupons '' on a regular basis to REQUEST this promotional balance offer on large purchases. So it sounds like I can use the coupon or not, yet in practice, they force the product on you in hopes that you fail to satisfy 100 % of the outstanding promotional balance, that you can not control how your payment is applied.

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 2022-04-26
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I made extra payments on XX/XX/XXXX and XX/XX/XXXX to the tune of about {$11000.00}. 

SPS , Inc. has refused to apply this properly. I called them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. No one has been able to apply this properly and I keep being told " they are escalating the process to give it a few more days. '' I am paying interest on a balance that is not correct and they refuse to fix it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: EQUIFAX, INC.
State: IN
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:
This Acct # XXXX shows that I owe them that I owe them {$5700.00} this acct is reporting that this acct was open XX/XX/2020 on ( 2 ) XXXX  and ) XX/XX/2020 this acct is mis reporting inaccurate info. I don't have any account with XXXX  XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 see a XXXX  XXXX XXXX account open that's associated with my credit history. 

Based on the record, the account was opened on XX/XX/2022, and has a credit limit of {$6000.00}. 

I have never opened any accounts ( checking, saving or credit card ) with XXXX  XXXX XXXX. Thus the account doesn't not belong to 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