BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-03
Company: EQUIFAX, INC.
State: PA
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:
Hi, my name is XXXX XXXX and I have a critical issue going on dealing with Equifax. There are collection accounts noted on my account that are included in the documentation that I will upload that don't belong to me in which I filed an FTC report for. The information was removed across all 3 bureaus however, it has been 45 days since it was removed from equifax and they have sent me the conclusion of this information that it was removed from my report with my credit report. However, on XX/XX/XXXX recently these items appeared back on my report with no explanation or why these accounts are on my report which is a violation of numerous 15 USC Laws and FCRA violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
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:
Bogus collection accounts listed as other account on XXXX credit report. XXXX and XXXX has deleted these accounts however XXXX hasn't. XXXX says the accounts was verified. 
Portfolio Recovery Associate Acct # XXXX {$1500.00} Acct # XXXX {$2600.00} Portfolio Recovery Associate couldn't provide me with any binding contract or signature. They sent me statements on XX/XX/22 and the cover page says, This communication is from a debt collector but is not an attempt to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15
Company: AMERICAN HONDA FINANCE CORP
State: OH
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I renewed the lease on my car, and my state requires that taxes associated with that are paid up front for the duration of the lease. I made the full payment for my car for the month, but I was not able to include the taxes associated with this. Honda applied my payment to the taxes, not the car, and then reported me 30 days late. I called Honda and they acknowledged that the payment should have been applied to my car payment and not the taxes, so they removed the 30 day late. However, I renewed my lease payment again, they applied my payment to the taxes and not the car payment again, and I have a late on my credit for this reason again in XXXX 2017 with XXXX. I would like to see the 30 day late removed, for XXXX as I did make my car payment, just not the payment for taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-15
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
These medical debt collection agencies has attempted to collect a debt on several different levels. One was a debt that my grandson 's school was responsible for because he had football insurance, the others were used against me when I gave them my VA medical insurance information upon entry to the ER and on their constant harassing and threatening phone calls, to no avail. I am now a 100 % XXXX veteran living off of VA and SS benefits and declared " unemployable '' XXXX XXXX was sent a " victim 's fraud '' package.I also sent them relevant documents. So why deleted only XXXX They dismissed two accounts and not a XXXX one. This is very disturbing to me. I have a XXXX as well as XXXX and this does not help XXXX. 
During XXXX I was a victim of fraud. And the credit bureau has an " VICTIM FRAUD ALERT '' on my credit because all necessary police and other reports were submitted to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09
Company: IQOR US INC
State: CA
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 am disputing a credit charge from Allied Interstate LLC. in the amount of {$46.00}, which is included on Allied Interstate LLC statement dated XXXX XXXX, 2015. 
On XXXX XXXX, 2015, I called ( XXXX ) XXXX and I am disputing this charge and notice of collection. As I told the reprehensive, I do not have a XXXX account or username which this charge is billed. 
I asked for a number for XXXX and the representative gave me the wrong number to contact XXXX and I have no way to dispute these charges with XXXX. 
I believe this Allied Interstate LLC is fraudulently sending collection notices to consumers and trying to collect on XXXX accounts which do not exist. 
I have enclosed a copy of the Allied Interstate LLC bill with the disputed charge highlighted. and copies of my email correspondence Interstate Allied Interstate LLC. Please investigate this dispute and provide me with a written statement of the outcome. 
Thank you for your time and attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-17
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
i have this on my XXXX report that i requested a inquire but i was in a XXXX  and its not mine i have never applied for credit with this company and need this inquire to be removed ASAP its effecting my report

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15
Company: Immediate Credit Recovery
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I got a letter from a collection agency saying that I owed a high a amount of money back. For what what I do n't know. I see that it was opened on XXXX XXXX. XXXX. Saying I owe for a loan for schooling within years that 's I never attended. I attended college in the year XXXX and finished. After i got my certificate I started working with my XXXX and never attended school after that. I never ever opened up or took any school loans out. So when I seen that this was for XXXX it set a red flag for me. Becauae I became pregnant in XXXX and I stopped work for a year. I do n't understand why I 'm getting this collection agency saying I owe money when I never attended school or anything for two years sense XXXX. I strongly feel this is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Ive sent in 3 rounds of letters to dispute a few hard inquiries ( some duplicates ). I have never received any acknowledgment of my letters back from TransUnion. Anytime I call the customer service, they are extremely rude, very aggressive and refuse to investigate my issue. Ive been hung up on in the middle of conversations etc. These inquires are unauthorized and also unverified. I would like TransUnion to take me serious and fix this inaccurate information.

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 2021-01-03
Company: Convergent Resources, 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: Account status incorrect

Complaint:
I wish to file a complaint against Convergent. XXXX was paid and by law they must recall the account from Convergent as they have no legal reasons to report the account on my credit reports and therefore must delete. They also stated they would recall the account in the letter they sent 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 2021-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Transunion way to go on not doing what the law requires. I went through the statements and found proof that not only am I making the monthly payments so the late history is inaccurate and CLEARLY not verified! But the balance is also wrong. The date of the last payment is wrong! So if you want to ignore me or make me jump through hoops maybe I should turn the FULL payment history, the multiple letters to the bureau and the creditor, the CFPB complaint, and the monthly statements over to a consumer attorney and to see if I have a lawsuit! I'm paying XXXX XXXX and they are NOT in compliance with FCRA reporting and your bureau did a XXXX-XXXX  job on looking into this. All I want is this corrected IMMEDIATELY!!

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 2021-01-03
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2020, I sent a letter regarding inaccurate and unknown information on my credit report. It has been over 60 days, and I have not received a response. I feel like Im being taken advantage of and being ignored for the dispute I requested. 

Section 611 ( a ), It is plainly stated : If the completeness or accuracy of any item of information contained in a consumers, or applicants, file at a consumer reporting agency ( such as XXXX  ) is disputed by the consumer. The consumer notifies the agency directly, or indirectly through a reseller, of such a dispute, the agency must, free of charge conduct a reasonable reinvestigation. This reinvestigation will determine whether the disputed information is inaccurate and record the status of the disputed information, or delete the item from the file. This must be done before the end of a 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

It has been over 60 days. The inaccurate information/accounts should be deleted immediately, or I will file a litigation due to the stress it has cause me. My information was also impacted by the Equifax Data Breach and may have got into the hand of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03
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: Account information incorrect

Complaint:
XXXX & XXXX way to go on not doing what the law requires. Experian - How dare you insult me! What is it about my previous complaint that would make you think I am not intelligent enough to have written it when it's my truth!! I'll tell you what else is the truth. I went through the statements and found proof that not only am I making the monthly payments so the late history is inaccurate and CLEARLY not verified! But the balance is also wrong. The date of the last payment is wrong! So if you want to ignore me or make me jump through hoops maybe I should turn the FULL payment history, the multiple letters to the bureau and the creditor, the CFPB complaint, and the monthly statements over to a consumer attorney and to see if I have a lawsuit! I'm paying XXXX  XXXX  and they are NOT in compliance with FCRA reporting and your bureau did a half-assed job on looking into this. All I want is this corrected IMMEDIATELY!!

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 2022-10-17
Company: CarMax, 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:
i have this on my XXXX report that i requested a inquire but i was in a XXXX  and its not mine i have never applied for credit with this company and need this inquire to be removed ASAP its effecting my report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: CITIBANK, N.A.
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:
unauthorized inquiry on my credit reports.company also company form of communication is not within means for consumers to dispute..company has inaccurate phone number

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23
Company: LJ Ross Associates
State: MI
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
There try to collect a debt from XXXX from XXXX XXXX in the amount of {$280.00} .In XXXX hired a attorney to represent me and they ( My attorney ) are trying to collect for the collection agency. This debt is clearly pass statutory of limitations, So it should n't have been on my record let alone shared with this attorney.This is a Fraudulent act on both parties, Reporting attorney to the attorney grievance XXXX currently in court about this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17
Company: Sortis Financial, Inc.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
just last month I received a disturbing letter from clearspring stating I owed XXXX on my loan for past escrow balance and that my new monthly payment would rise XXXX dollars more this is not a new tactic I, ve just settled with XXXX XXXX XXXX and my new amount states XXXX all of the escrow has been figured in to this im up to date on all payments till XXXX but my account does not reflect this because there holding it just today XXXX refused to accept my payment of XXXX stating it, s not what the account calling for after explaining that I don, t owe anything on escrow as a matter of fact XXXX sent me another breakdown that stated that I owe only XXXX I, ve requested a QWR and no response as of yet now I, ve contacted my attorney who handled the previous case which has similar tactics I want a complete detailed breakdown and a stop to harassing calls constantly and they need to update payments quicker because XXXX person says they see it and the other has no clue this is XXXX XXXX XXXX tactics they are I believe XXXX and the same Sad I thought I was done with protecting my Home from this type of mishandling my loan is a fixed loan which all of the escrow was figured in too since I, m up to date it can, t be short all taxes and insurance are the same I, ve checked

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I have had several cards in good standing with Chase and recently had my credit limits cut by 70 %. I understand that Chase must manage its risks in extending credit and may reduce credit accordingly ; however, a drastic decline of credit to just above the outstanding balance creates a hardship to consumers as it directly impacts my credit score as my percentage of credit used goes from 30 % to 100 %. In order to object to the bank 's decision, I had to have my credit pulled again negatively impacting my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-17
Company: Collection Bureau of Fort Walton Beach, Inc
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX I requested my credit report from the 3 bureaus and saw a medical bill listed as collection for XXXX. That bill was taken care of by the VA. They pay all my medical bills. Anyway I decide to write ( Collection Bureau of XXXX ) a letter of validation. I sent the letter off certify mail on the XXXX of XX/XX/2022. Collection Bureau of XXXX received the letter on the XXXX of XX/XX/2022, I have the signature card to proof it. As my letter stated they were given 30 day to sent me proof of validation. It past 30 days and I have not heard from them as of yet. And this is a clear violation of the Fair Debt Collection Practices Act. So I'm requesting the help of the CFPB in taking care of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: Experian Information Solutions Inc.
State: IL
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:
My personal identity information was stolen in several breaches from companies I had business with, my employer, as well as from the XXXX XXXX XXXX and its affiliates. These breaches occurred from XXXX through XX/XX/XXXX. I also learned that my identity information had been shared on the XXXX XXXX  Market as a result of these breaches. These breaches have resulted in persons unknown to me and without my consent attempting to obtain credit cards, car loans and in some instances personal loans in my name, damaging my credit profile with unauthorized Hard Inquiries.

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 2016-10-27
Company: PNC Bank N.A.
State: NJ
Product: Credit card
Issue: Balance transfer

Complaint:
Dear CFPB, Last month I applied for a balance transfer with PNC Bank. I asked the customer services representative would there be any interest that I would be responsible for and they explained to me no. I sucessfully completed the balance transfer. This month I received a fee of interest for using my card. I called and was told that any " future purchases '' I made with my credit card that I would be responsible for the fee. Not only did the customer service representative not seem to care, she did n't even assist to escalate. I contacted the PNC escalation area who said they would research this and they never called me back. I feel as though I was baited and switched and the bank does not care. All they are concerned about is making fees off customers and putting it in their pocket. I want the fee removed from my credit card account and returned to me. Any assistance in escalating this matter CFPB it would be appreciated since no one will return my calls as promised.

Company response to consumer: Closed
Consumer complaint received 2022-10-17
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello : On XX/XX/22 XXXX XXXX  XXXX and XXXX XXXXXXXX account on XXXX. These 2 individual promised to unlock the linked in account. The reason the XXXX  account was locked was due to too many pages viewed and visit from the account. I have to look for work inflation is sky high. After XXXX  over {$1700.00} on 8 different times, these XXXX XXXXXXXX and XXXX XXXX  account decided to scam me, He claimed that he is from XXXX in company but this is fradulent. You allow these two individual to be on XXXX and scheme people who are in desperate for jobs. Please refund and prosecute these 2 and the gang involved and refund asap {$1700.00}. Names : XXXX XXXX XXXX XXXX Tks. 
Account holder name XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: Paypal Holdings, Inc
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2021, I sent to XXXX XXXX, through Venmo, a company dedicated to transmitting safe, fast, social payments, {$300.00}. As required by Venmo for verification purposes, I provided XXXX telephone number. 
Venmo did not pay XXXX the {$300.00} because her Venmo account was frozen due to activity that triggered security alerts. As suggested by a Venmo agent, I paid XXXX the {$300.00} outside of Venmo, by check, and requested reimbursement of the money by Venmo. Venmo has refused to reimburse the money because it allegedly paid a different XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-03
Company: BANCO POPULAR DE PUERTO RICO
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 information incorrect

Complaint:
I have had numerous problems with Banco Popular. I have a home mortgage with them. They have sent my payments back into my bank account instead of applying them to my loan payments and they ruined my credit score by several hundred. Had to report them for that. Now they have not reported my XXXX/XXXX/XXXX XXXX mortgage payments on my bank account. The incorrect loan amount is on my credit scores and my bank account. I emailed them every day to complain so I have it in writing and no one will fix the problem. This has been going on since XXXX XXXX. They also never send me my monthly statements, I will get one month then not another. I can not believe this bank is so slow to fix a HUGE problem that is effecting my credit scores. I have the credit bureau also looking into this with disputes but still no reponse from this bank. This bank should be fined, put on probation and monitored for a year. I want all my past monthly statements, my loan amount to be up to date EVERY month and to update all credit bureaus monthly for the duration of this loan. If they can not do this then sell my loan to a reputable bank with all the same parameters remaining.

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