BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Portfolio Recovery has over the past several years tried to contact me multiple times a day, multiple times a week at all hours regarding a debt they have no right to collect. I sent them a registered return receipt letter on XX/XX/2018 to cease and desist any communication with me via phone and they keep calling. I did receive the signature card back signed. They are relentless with the calling, rarely ever leave a message but when they do it is threatening and just keep calling.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-15
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I've tried to get my free report from Equifax and they keep saying my information doesn't match their records. This is probably due to the fraudulent information that's being reported about me to them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-09
Company: EQUIFAX, INC.
State: MI
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 previously reported to CFPB onXX/XX/2018with case number XXXX   vs XXXX XXXX the dba for XXXX XXXX. XXXX XXXX falsely claimed that they did not improperly report the open {$150.00} charge off for their credit card. When I attempted to call, the company gave me the run around and I was on hold for over 45 minutes without speaking with a human.

I now have the copy of all of my credit reports where I disputed that any balance owed to this company and/or its affiliates. This was a secured credit card which means I deposited {$600.00} and once I declared bankruptcy everything got paid off. Unfortunately, XXXX XXXX  continued to charge me late fees for a debt that was completely paid off and during the bankrutpcy which was in violation of 11 USC 362. I do not owe XXXX XXXX any monies and it is defaming my name by falsely stating that I owe any money at all. It is also throwing off my credit card limits making it falsely look as though I charge up cards and not pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
A charge of XXXX on my business card for an event that I paid for on XXXX XXXX 2019 for a business XXXX of XXXX event party that was never done by the vendor which I disputed and was told by American Express they dont care I have to pay it which is horrible experience thats why I used my card so I have security but American Express wants me to pay for something I never received and it was an authorized user on my business account that used the card I have excellent credit my credit line is for XXXX and they closed my account without any reason declining to give information its like they are doing it on purpose to ruin my business they issued me the credit than removed it and wont give any reason please if you can assist me in resolving this issue I would greatly appreciate it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: Grain Technology, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On or around XXXX XXXX I reported to Grain Technology , Inc that I needed to change my bank account so to fraud issues with my XXXX bank account. No one ever responded until XX/XX/XXXX saying they are backed up completely ruining my credit and livelihood .i finally was able to use my account and Im XXXX XXXX I paid XXXX $ onto my bill and my bank statement shows they took the money. On XXXX XXXX I received a email sayin it did it clear. But my {$40.00} is still gone and it shows no payment on they credit app.these people are plying with peoples livelihood and relying on a computer to run the business They dont respond and add multiple late payments to your credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30
Company: CASHCALL, 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: Old information reappears or never goes away

Complaint:
Cashcall routinely tries to collect a debt past the 4-year statute of limitations. I receive emails and letters asking me to pay a balance that I am no longer liable for, and when I call them they tell me to pay. Then Cashcall changed the last date of payment to reflect a more recent year to keep the debt on my credit report. I disputed it with the credit bureaus. This loan was taken out in 2010. This is fraudulent and illegal. It is way past the 4-year limit statute to collect allowed under California law.

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 2022-08-16
Company: Kriya Capital, LLC
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I checked my credit report and found a bill reported written off by Credence Resource Mana on XX/XX/22 in the amount of {$120.00}. I had no knowledge of this bill. I tried talking to the company ( XXXX ), on XX/XX/22. Was told I needed to give them my credit card number to be charged {$120.00}. I had no knowledge of owning any company any money. No bill, no emails, or phone calls. I refund to give them the money and they got very hostile to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-14
Company: Monterey Financial Services LLC
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I called the first time and was told that there was a mtg and I would be called back to pay off my loan, that call never came. 
I than called 2 other times and was hung up on both times. 
This all occurred on XX/XX/2020 I have also attempted to go online and pay it off but your website will not let me make a password, even though I have 1 uppercase, 1 symbol, 2 numbers, 10 characters, which surpasses your min stated password requirements, which I have a screenshot of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Accordance with the fair credit reporting at XXXX these accounts have violated my rights 15 U.SC 1681 section 6028 states I have the right to privacy 15 U.S.C 6081 section 604 a it also states of consumer report agency can not furnish an account without my written instructions Accounts that need to be rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  Thank you once again for the concern

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 2020-02-14
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX {$750.00} Opened : XX/XX/XXXX This account has me as an authorized user and I have never had an authorized user account with XXXX XXXX. I have one primary account with them and thats it. This isnt my account XXXX XXXX {$29000.00} Opened : XX/XX/XXXX This is account is inaccurate amount and has also been on my credit report for 7 years as of XX/XX/XXXX and should no longer appear on my credit report. 

U.S Dept of Ed {$59000.00} Opened : XX/XX/XXXX This account is showing an inaccurate amount also the date opened was XXXX XXXX. The amount is wrong and this account should not be shown on my credit report. It has passed the 7 years past when the account was opened and was never paid on.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
We were overcharged by XXXX XXXX XXXX, XXXX. The disputed amount was {$160.00}. I disputed this overcharge with JP Morgan Chase Bank and sent in all the corresponding documentation corroborating my overcharge. Chase claimed the overcharge was valid based on information provided by XXXX. The XXXX XXXX XXXX did NOT clarify any overcharges nor did Chase. I believe Chase did not investigate the case as they never provided any explanation as to why the charge was valid. There was no response from Chase aside from what appears to be a canned letter that they routinely send out.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-30
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I initiated a dispute for seven charges. I provided Barclay my full dispute details. The fantasy football service through gamership was never provided. I laid out all the details for Barclay. They refuse to actually investigate. The representative spoke little English named XXXX told me that the charges were legitimate because they were online gambling. I told her that 's not what it was. California law allows fantasy sports as well as federal law but I never received the service. So I asked them to reinitiate the dispute process and faxed over updated information. They refuse to assist me or provided documentation as provided by their own policies and California consumer law.

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 monetary relief
Consumer complaint received 2022-08-16
Company: VW Credit
State: CT
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Audi Financial Services ( AFS ) has repeatedly attempted to collect a debt that is not owed. I leased a vehicle with them in XX/XX/XXXX and returned it in excellent condition in XX/XX/XXXX. No payments were missed and all fees had been paid. 

In XXXX, I was notified by XXXX XXXX XXXX that they were attempting to collect a debt owed to Audi Financial Services in the amount of {$810.00} in association with the leased vehicle. When I requested a bill showing the owed amount from AFS, I received a bill showing the amount of {$1000.00} being owed, with NO explanation of what it was for. 

Several conversations took place with XXXX XXXX XXXX in order to determine the source of the debt. On 3 separate occasions, I was told 3 different reasons for the charge. 1. Excessive wear and tear at time of turn-in. 2. Disposition fee. 3. Personal property tax owed. 

I requested a complete ledger from AFS via XXXX XXXX XXXX, which I was provided ( see attached ). The ledger covers dates from XX/XX/XXXX through XX/XX/XXXX reflecting total charges of {$33000.00} along with payments of {$33000.00}, leaving a XXXX XXXX through XX/XX/XXXX. Clearly, there should have been a balance on the ledger if there was anything owed. I indicated this to XXXX XXXX XXXX and they ceased communication. 

Just yesterday, on a letter dated XX/XX/XXXX, I received another debt collection letter from a new company, XXXX XXXX XXXX XXXX, in an attempt to collect {$810.00} on behalf of Audi Financial Services. 

At this point, I have dealt with this via numerous phone calls and have proven that there is nothing owed on this account, yet I continue to receive more letters and phone calls. I feel as though I am being harassed and have tried everything to get them to stop. This car was turned in over 5 years ago, in excellent condition, and with NO BALANCE DUE!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-16
Company: EQUIFAX, INC.
State: FL
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:
Accordance with the fair credit reporting at XXXX these accounts have violated my rights 15 U.SC 1681 section 6028 states I have the right to privacy 15 U.S.C 6081 section 604 a it also states of consumer report agency can not furnish an account without my written instructions Accounts that need to be rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Thank you once again for the concern

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: Experian Information Solutions Inc.
State: GA
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:
THE FOLLOWING INQUIRIES ARE ALL A RESULT OF FRAUD CAPITAL XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX/XXXX XXXX DEPARTMENT XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX AUTO FINANCE XXXX/XXXX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX A PLUS XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX LENDER XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX FCU XXXX/XXXX/XXXX XXXX/XXXX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX/XXXX XXXX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX RENT GROW XXXX/XXXX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: NRA Group, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX of 2022 at XXXXXXXX XXXX  I paid a total amount of {$2100.00} to the National Recovery Agency. They charged me a processing fee of {$7.00} making the total amount {$2100.00}. I had four debts that I paid off that day. In return they were to send a request of deletion letter to the credit bureaus so that these debts would be taken off of my credit score. The National Recovery Agency has only removed one of the four delinquent payments that I paid off that day. On XX/XX/XXXX and amount of {$1100.00} was removed from my XXXX credit report. A total amount of {$1000.00} that I also paid off that day was not removed. This company is very unprofessional and very rude I called them to settle the debt because I was unaware that these were owed and they treated me like a second-class citizen. They talked down to me as if I was not smart enough to understand anything they were saying. And I feel that they did not do what they had promised.

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 2017-08-30
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX we subdivided the property creating two new properties with two new pan numb rd, different addresses, ... ... the deed was recorded for the new properties in XX/XX/XXXX. In XX/XX/XXXXmy loan was sold and that 's when the trouble started. Currently at the recorders office this bank has sold a XXXX loan to two different banks and I have a loan with them for XXXX. So anyone looking at my properties- it shows that I have somehow three different loans, on different properties. ... ... ..the XXXX XXXX XXXX has a loan of XXXX ... ... 
.The XXXX XXXX XXXX which is newly created parcel suddenly has two loans agains it from a different mortgager ... ... XXXX and XXXX XXXX XXXX for XXXX ... ... XXXX so somewhere these people that are selling my original loan are other stole XXXX ... ... ..or I just do not understand how come from only one loan that covered one property for XXXX now it looks like I owe XXXX XXXX dollars ... ... .so this bayview mortgage sold my loan to XXXX and XXXX XXXX XXXX ... ... ... so one address has bayview on it ... ... .and the other address has XXXX and XXXX XXXX XXXX on it ... ... ..different loans ... ... and I do n't know how to clear all these recordings that are being done against my two properties. I tried speaking with bayview and they finally sent me a letter last month saying ... oh your loan has been sold in XX/XX/XXXX... .. and they had 30 days to do it ... ... but never did it until this year ... ... ... they were aware when buying the loan from XXXX in XX/XX/XXXX that the property was subdivided and they were purchasing XXXX XXXX XXXX ... ... .and suddenly they went and recorded papers for a loan against my new property for XXXX when that money never exchanged hands ... ... ..so I need help ... ... ... ... .I am not getting any help from the bank ... ... ..I have been trying since XX/XX/XXXX to fix this ... ..than last year I paid an attorney and they took my money and never did anything ....

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: EQUIFAX, 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: Account status incorrect

Complaint:
the XXXX account in question XXXX ACC # XXXX, Is reporting a late negative, which i never committed, please have all three bureaus to remove this inaccuracy. 
i have already submitted the creditors letter for which they have approved of removing them, as banking error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
Company: EQUIFAX, INC.
State: FL
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:
On XX/XX/XXXX I received a response stating the inquiries are a factual record of file access. I am requesting that you provide me with the descriptions of procedures used to investigate my inquiries in compliance with the FCRA, Section 611. As a matter of convenience, I am resubmitting my request to correct my credit report. XXXX / XX/XX/2020 *XXXX XXXX XXXX XXXX / XXXX XXXX *XXXX XXXX XXXX XXXX / XX/XX/2020 XXXX / XX/XX/2020. These inquiries are not valid. They should be treated as Fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: Experian Information Solutions Inc.
State: UNITED STATES MINOR OUTLYING ISLANDS
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 disputed an account reported by your company in the file you maintain under my social security number. I was informed on 60 days ago that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report. In accordance with the requirements of the FRCA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing 5 business days. I hereby demand that you immediately delete the negative items from my credit report in order to avoid legal action. I am submitting this complaint separately to the Attorney General 's Office and the XXXX Please govern yourself accordingly.

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 2018-05-09
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
there are other address and accounts and collections reporting to my credit report and i have zero knowledge of who opened these accounts and how but they dont belong to me and this really frustrating that someone was able to use my personal private info i can never feel safe again

Company response to consumer: Closed with explanation