BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-24
Company: V and H Portfolio
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Vance and Huffman LLC and XXXX XXXX XXXX XXXX {$8700.00} i have filed several disputes against this company in the credit bureau. this is not my debt. i do not and have not opened an account with this or any other company the dates they say was opened is XXXX, 2020 i asked for proof, a signed contract, anything to show that this is my debt but the have given me nothing and have lied to the reporting agencies and its still on my credit. 

this is against the law and they dont care.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-24
Company: EQUIFAX, 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:
I am XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. 

I, XXXX XXXX, have been a victim of identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the XXXX. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand pursuant to 15 USC 1681c-2 ( c ) that you have the Authority to Decline or Rescind. I assure you the information that I am presenting to you was not blocked in error. No material misrepresentation of the fact has taken place. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized. 

XXXX XXXX # : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
These are fraudulent inquiries on my report please remove them. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX 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 2016-10-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This has been going on for years. I now want to replace my car, so I 'm going at it again. Experian for years repeatedly attaches to my record bad, probably fraudulent debts, connects me to addresses I have never had any connection to. When I 've tried to dispute these items I get form notifications saying that they are my debts and addresses, etc.. I 've lived at XXXX addresses in the past 30 years, incur no debts ( I did have a dispute with XXXX ). I will attach the letter I sent to XXXX and the letter I will send to the XXXX credit reporting agencies. I feel shame, frustration, hopelessness. Did I XXXX someone off? How can anyone repeatedly do this unless their intentions are malicious?

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 2015-08-19
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
Experiain is : -Deceptive Marketing -Illegal practices in the enrollment process -Unfair Billing PracticesExperian is Illegally charging my credit card for credit monitoring service for credit card add-on. I am disputing transaction. On or around XXXX XX/XX/2015 and XX/XX/2015 I talk to there customer service agent from XXXX several times and I informed no refund. I am requesting cancellation and full refund of {$60.00}. I was charged from XXXX, XXXX and XXXX 2015 with Experian. I received several of there email stating that my Experian Credit Report is ready. It never allowed me to view the account. I never signed to request monthly FICO credit report. There overseas customer services they do n't understand what 's going on. I request several times Experian to remove me from there mailing list and they refused. 

Thanks,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-24
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
This complaint is against PNC Bank. My husband and I were BBVA customers, which was previously Compass Bank. As I am sure you are now VERY aware, PNC bought BBVA and on or about the weekend of XXXX XXXX, PNC migrated BBVA accounts XXXX changing account numbers, etc. We had four accounts with BBVA, two business and two personal. These accounts were all linked and accessible via online banking prior to the migration. After the migration, only three accounts were linked, the two business accounts and the personal money market account. The personal checking account was NOT linked and all the bill pays previously set up with BBVA were CANCELLED. This is completely unacceptable. To make the problem worse, PNC appears to have been completely unprepared to deal with the onslaught of customer service calls as a result of problems caused by their so-called migration. Each customer service representative I managed to talk to about the issue the day after the botched migration ( after being on hold for ridiculously long periods of time ) had a different approach to resolving the issue, none of which made sense. They were clearly not very well trained. When we went to a local branch the day after the botched migration in an attempt to fix the problems, the person there filled out a form to fix the linking or so we thought. Here we are over a month later and the personal account is still not linked. Each week, I call customer service and I get yet another story as to why the linking is not done. 

It is COMPLETELY unacceptable for a bank to CANCEL scheduled bill pays, as PNC did. This created all sorts of problems. Further, the minimum they could have done is to notify us that there was a problem, which of course did not happen. 

Further, we went to the branch where we had a safe deposit box as we needed to move the contents closer to where we are now living. This was a former BBVA branch and the people there did not even have instructions as to how to cancel the box. I have no confidence that the automatic charge was not stopped. The manager actually had to go to her office and print out online instructions.

This bank was clearly unprepared and incompetent in the acquisition of BBVA and the transition of our account and many, many others.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX 2014, I initiated disputes with Experian ; XXXX and XXXX XXXX regarding the removal of account reporting on my credit reports that did not belong to me. Subsequently, XXXX and XXXX XXXX proceeded to investigate and found that the information was incorrect and the accounts ( XXXX ) including this account were deleted from my credit report. Experian Credit Bureau has not investigated my dispute and has not made the changes to my credit report although I have disputed these entries via CFPB disputing process ; today I received another copy of my credit report and although they stated in their response to my prior dispute that the account was not reporting on my credit file, they are incorrect as it is ( please see page attached ) they still have chosen to do nothing. I am requesting for the fourth time that these fraudulently opened accounts be removed so that my credit report reflects true and accurate information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-05
Company: EQUIFAX, 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 have paid full amount to XX/XX/XXXX credit services which is the third party collection company that the original creditorXX/XX/XXXX are using. I have disputed the account and provided the evidence that was paid in full to the 3 credit bureaus and the results came back as " partially paid '' from account balance which is incorrect. They have told me to contact the lender which I have and they told me the account is settled so I do not know why the credit reporting agency is have inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: Grant & Weber
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account appears on my credit report but it does not belong to me and i think is part of my identity theft case.

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 2022-05-05
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:
I sent a letter regarding inaccurate personal information, negative accounts and 2 late payments reported on my credit report. To this day over 60 days later I have not received a response yet. I sent letters to all 3 bureaus, I am being wrongfully accused of these delinquent, charged off accounts. This represents myself as an irresponsible individual. I'm being taken advantage of and being ignored of my disputes, which is costing me my life. No apartment is willing to accept my application, no mortgage lender will provide me home loans. I am STUCK for something they reported inaccurately!!! 

Section 611 ( a ) it is plainly stated that a failure to investigate these items with 30 days gives a reason to immediately remove those items from my credit report, it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you cause me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person. 

Account Name : XXXX XXXX XXXX Account Number : XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report! 

Account Name : XXXX Account Number : XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit. I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report! 

Account Name : XXXX XXXX  Account Number : XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit. I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report! 

Account Name : XXXX XXXXXXXX XXXX  CARD SERVICES Account Number : XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report! 

Account Name : XXXXXXXX XXXX XXXXXXXX Account NumberXXXX Inaccurate payment history reported, REMOVE Two - 30 Day Past Due remarks reported immediately ( XXXX, XXXX & XXXX, XXXX ) I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information 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 2015-06-15
Company: Diversified Consultants, Inc.
State: MS
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:
This company is trying to collect a debt that has already been removed from my report. XXXX Collections tried to collect the debt last summer, and reported it to XXXX. I disputed the information, which ultimately resulted in the removal of the account in question from my credit report. The account has now been readded by Diversified Consultants as they are trying to collect it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Blakely-Witt and Associates, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have sent over court documents showing that I owe a XXXX balance, several times and the debt collector is refusing to remove this inaccurate information from my report! This matter needs to be addressed, and rectified, as it is causing damage to my credit, and reputation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-06
Company: Marlette Funding, LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Repeatedly calling my in-laws several times per day even though they have my phone number. They have told them repeatedly that I am not reachable at their number. 
They also call me repeatedly, even after speaking with them and making payment arrangements.

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 2021-11-24
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: Personal information incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous personal information reporting on my Credit Report : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX CT XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
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: Investigation took more than 30 days

Complaint:
Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 usc 1681is the same as it is under 15 usc 1602 ( l ) which is the term credit card means by any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, XXXX said ANY card. The credit card is my XXXX XXXX card. This is the credit card I used to originate the consumer credit transaction below.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-02
Company: Netspend Corporation
State: AZ
Product: Prepaid card
Sub-product: General purpose card
Issue: Fraud or scam

Complaint:
This company, Net Spend sent me a debit card that I did not request. The card can only be activated by entering my social security number, not the card number. I tried to contact Net Spend and without activating the card I could not speak to customer service. I have filed a complaint with the FTC and Local Police. My name and address is listed with Opt-out Prescreen list and flagged with the credit bureaus. I had to email them to cancel card XXXX exp XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: Genesis FS Card Services, Inc.
State: MA
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:
Ok this is the more recent and most relevant explanation of my situation with indigo credit card/ Genesis card services. I Typically Indigo reports to the credit bureau on the XXXX of every month its been this way since I opened the card XX/XX/XXXX. In the past 23 months I've had one occasion where I was 30 or more days late there was an online payment issue the funds were never taken from my account until the following month I believeit was {$28.00} Indigo would not give me an ear. I hadn't had a late payment 12 months before nor after. the XX/XX/XXXX late payment was irregular and what I believe to be an error on Indigos part. Indigo continues to make negative remarks on my report affecting my score greatly. XX/XX/XXXX a remark was made and a change was added to my payment history bringing my score down XXXXpoints almost as retaliation for a dispute I made about incorrect reporting. Made XXXX. I paid my balance to {$0.00} I used my card on the XX/XX/XXXX and XX/XX/XXXX Indigo reported on XX/XX/XXXX instead of XX/XX/XXXX as per usual. Further more indigo keeps prompting me to enroll in overdraft protection which I declined. My XXXX statement shows {$0.00} balance yet a balance increase of {$320.00} was reported XX/XX/XXXX which lowered my score XXXX points. I called to file a dispute on XXXX. I questioned why my account was able to go over the limit although I wasn't enrolled in overdraft service as well as disputed indigo reporting later than usual. Indigo customers service explained they had no record of reporting on XX/XX/XXXX and that an investigation would begin. I proceeded to make a payment of {$230.00} on XXXX to bring my account current during the investigation. Inigo reported once again XXXX of a balance decrease of {$230.00} with a {$95.00} Balance showing which is still incorrect because non of my transactions made after XX/XX/XXXX should be reported until XX/XX/XXXX. I call costumer service again to inquire about the investigation and to question why indigo reported again showing my last payment made XXXX indigo reported to me the investigation was complete and that the amount was reported correctly and that indigo had no record of reporting on my account on XX/XX/XXXX nor XXXX that they could do nothing els to help me. Indigo reported on XX/XX/XXXX as previously scheduled showing a {$0.00} balance also adding a negative remark changing a payment history from 3yrs ago I don't understand. The continuous damage to my report is costing me time and money now that im in the process of buying my first home. Indigo 's irresponsible care of my account is most damaging to my financial future. Currently in the process of securing legal representation Pending this final attempt to resolve my current unfortunate situation

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have leased a vehicle in XXXX, MO from a dealer when we first moved to that state. The dealer did not give us information or any kind of explanation on tax. Later on we have informed that we need to pay around {$500.00} personal property tax for a vehicle that we dont own. We always pay the registration, licence, title etc. fees in other states. This is the first time I heard about that kind of tax. When I searched, in few states in XXXX they charge personal property tax for the vehicles that you own. But the XXXX that I leased is not my own property. The title is on XXXX XXXX XXXX. The Missouri law says if you lease a vehicle it is between you and the company. I also looked at my lease agreement, it does not state any kind of personal property tax info. The XXXX XXXX claims that they are paying the taxes for us and try to collect this money from me. I spoke with the financial supervisors at the XXXX XXXX XXXX to see how they expect me to pay a personal property tax for something that I dont own. They gave me no answer and asked me to pay it. At the end of the 3 year lease term they calculated about {$1500.00} tax money and give it to the collections and report it to the credit agencies. Please let me know what we can do about it. Thanks.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25
Company: EVERBANK, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We recently had insurance unjustly forced on us by Everhome Mtg. We had provided proof of insurance in a timely manner plus XXXX more times after that, because of XXXX subsequent threatening letters from Everhome Mtg., advising that they had no proof of insurance, and, that they were proceeding with the forced insurance. After an exhaustive effort, we finally compelled them to remove this unjust instrument. Our XXXX insurance agent advised us that Everhome Mtg. admitted to receiving all of her prior email/faxes documentations ( the cover letters I attached below ). The problem we have is that this happens every year. I discussed this issue with Everhome 's " escalation '' department. She advised that they have no supervisors or quality control. Her recommendation was to just to " keep calling '' until they acknowledge our proof of insurance. Since the employee I talked to has no record of the problem, it is unlikely to be solved between them and me alone.

Company response to consumer: Closed with explanation