BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-25
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
1.Ive written and called Experian several times regarding this account. 
XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX {$690.00} For the past year since XX/XX/XXXX Ive been calling and disputing this inaccurate account to no avail. I recently disputed in XX/XX/XXXX. Experian has since sent a letter that theyve been sending for the past year. 
2. They sent an email and letter stating that the account in question was verified and validated by the creditor, yet theyve neglected to furnish me with the proper documentation.

3. Ive contacted them 3 times over the past 3 weeks, to advise them to delete this invalid account from my report. Still no avail, Im Am now preparing to start litigation process against Experian This account has been removed from XXXX as well. 
4. Lastly, I have a fraud alert placed in my credit profile, that indicates that anyone who runs my credit profile needs to call me and that was never done .Ive reached out to Experian several times to advise them on unauthorized account access.

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 2022-03-13
Company: Consumer Portfolio Services, Inc.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Consumer portfolio services inc has sued me for a balance due on my car, i was in an accident and the person had no insurance, they got a check for half of the amount from the insurance. I have been severely affected by XXXX XXXXXXXX and the accident.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13
Company: EQUIFAX, INC.
State: OH
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:
In the recording with the fair credit reporting act conversion account number XXXX XXXXXXXX XXXX XXXXXXXX and account number XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1518 section 602 a state I have a right to my privacy 115 U.S.C 1618 section 604 2 also states a Consumer reporting agency can not parish XXXX account with out my writing construction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13
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: Public record information inaccurate

Complaint:
On XX/XX/XXXX i sent Equifax a certified letter inquiring about a public record listed on my credit report this letter was delivered XXXX XXXX. Equifax then responded that this account was accurate and verified by their source XXXX XXXX shocked by this information i contacted XXXX XXXX they have removed this information XXXX XXXX and sent me an update. Equifax removed this public record from my report and then added it back without sending me an update or notifying me. I then contacted Equifax XX/XX/XXXX requesting that they delete this account from my credit report due to their Method of verification being invalid because their resource is no longer valid XXXX XXXX is not reporting a public record. They then responded again saying that this account was verified by XXXX XXXX. On XX/XX/XXXX i contacted Equifax again explaining to them that their resource is invalid and to delete this inaccurate public record from my credit report this letter was delivered XX/XX/XXXX. XX/XX/XXXX they still responded again that it was verified through XXXX XXXX a company that IS NOT REPORTING THIS INFORMATION. On XX/XX/XXXX i sent a letter to Equifax to dispute this public record for being inaccurate. Also i have contacted them multiple times about accounts that are inaccurate they have not provided me with their method of verification or paperwork for those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12
Company: Santander Consumer USA Holdings 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: Investigation took more than 30 days

Complaint:
I have a account with XXXX XXXX/ Santander usa , account number XXXX balance is {$9500.00} I'm Requesting this account to be deleted from the credit report based on the repo was not done according to California law. I already contacted a attorney and he said I have a case. so please delete this account from XXXX and XXXX. XXXX  already deleted this account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I spoke to Bank of America Regulatory Representative XXXX on XX/XX/2018 at XXXX XXXX. At that time I was advised that Bank of America would be removing the reported trade lines from the XXXX XXXX XXXX  and XXXX  XXXX I clearly asked how long this process would take and was informed that it would be removed within 48 hours but to wait at least a week. I was also informed that I would be receiving a letter to that effect as well. Pursuant to XXXX confirmation I attempted to open on an account on XX/XX/2018 with a local branch and was allowed a second chance checking account. However, the following day I was contacted by the bank and advised that my account would be closed by XX/XX/2018 due to information that was reported on the XXXX XXXX XXXX. When I asked this banking institution why my account was being closed when it was initially approved, I was told that they perform an additional search beyond 30 days for information reported to the XXXX XXXX XXXX. 
So once again I have received incorrect information and now I have a direct deposit tied up with this banking institution because of this reporting. I simply want this information REMOVED from the XXXX XXXX XXXX as was agreed. I know I am only a small customer but Bank of Americas customer service is ridiculous and needs to be addressed by someone. I dont want to seek legal remedies but this maybe the only route as to let Bank of America stop taking advantage of people. 
PLEASE REMOVE ALL NEGATIVE INFORMATION FROM THE XXXX XXXX XXXX  AND XXXX AS YOU AGREED TO DO!!!

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 2022-09-08
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
In XXXX, I took out a loan from BMO Harris Bank in the amount of {$19000.00} for an XXXX trailer ( make/model a XXXXXXXX XXXX ). 

In XXXX of XXXX, I sold that vehicle to a dealership for {$20000.00} -- approximately {$1300.00} more than the payoff amount. 

The dealer confirmed they made a payment to BMO Harris Bank for the full amount of sale ( {$20000.00} ) and that BMO Harris would mail me a check for the balance of {$1300.00}. 

I never received the check. At first BMO Harris informed me that the check went to an incorrect address ( XXXX from which I had moved ). This mistake is innocent enough and I thought would be easily resolved. 

I have, since XXXX of XXXX, been in contact with BMO Harris Bank every couple of weeks to check on the status of my check and provided them with my new mailing address multiple times. I have received varying responses : they must wait 90 days for the check to void before sending me a new one ; they must send me paperwork to sign to confirm I have moved before sending a new check and voiding the old one ; that a manager has been referred to this case and will be in touch with me, etc. 

A manager has never phoned me to resolve this and I have not received via email or postal mail any of the supposed forms they have asked me to fill out.

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 2022-09-08
Company: Credit Karma, LLC
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
Good evening! I have been utilizing Credit Karma in order to learn new information that pertains to building better credit. I have been utilizing their services for a couple years now. After improving my credit quite a bit, they started sending me loan offers and credit card offers labeled as outstanding odds of approval! and great odds of approval! After finally getting my credit somewhat healthy, I decided to apply for a XXXX XXXX card and applied for it through Credit Karmas app due to it saying you have outstanding odds of approval! I applied for the card on XX/XX/22. I was denied. It also put a hard inquiry on my credit report and lowered my credit. I dont feel as if this is fair. If they are to be trusted with all of my personal information but theyre telling me I can get approved for a card and I get denied, that doesnt feel good to me. They obviously cant be trusted. Enjoy your night and thank you for taking the time to read this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
Company: CMRE Financial Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Creditor , XXXX XXXX XXXX XXXX XXXX dba XXXX XXXX XXXX was complained about in BBB Case # XXXX. According to XXXX XXXX, XXXX ext. XXXX, the creditor declined to engage in a dispute resolution procedure in XX/XX/XXXX. In XX/XX/XXXX, creditor forwarded one of their disputed accounts with me to CMRE ( account # XXXX ) located at XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, CA XXXX. On XX/XX/XXXX, I emailed XXXX a summarization of dispute history -- requesting it drop XXXX XXXX XXXX account per its unethical administrative conduct. To review , XXXX XXXX XXXX ( ACCT.XXXX ) forwarded for collection my disputed balance owing to a variety of  outside agencies without regard for billing errors. My emails to CMRE received no reply, but collection calls continued. BBB 's complaint # XXXX was started in XXXX XXXX in order to address CMRE 's deliberate indifference about XXXX 's conduct. In reply to BBB,  CMRE sent statement of PT services dated XX/XX/XXXX. In email reply to it, I addressed their record as not at issue. The dispute, rather, was about XXXX 'S broken promise to provide " in network '' benefits for my XXXX " XXXX XXXX '' policy first discussed with its Insurance Benefits Supervisor, XXXX.Instead of addressing XXXX 's dodginess re : billing error ( an internal matter after reported services ), CMRE simply provided reference to activities occurring prior to dispute -- changing the subject. So CMRE perpetuated XXXX 's refusal to address original cause for concern and create false inference that balance reported owing was without question marks. On XX/XX/XXXX, CMRE sent another form letter without contact info or reference to materials it received this month demonstrating support for my position that XXXX 'S reused to provide a dispute resolution procedure to which I was entitled over a year ago. Please note that XXXX 's has more than one account number, but all it 's accounts for me remain in disputed status with respect for above.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13
Company: National Credit Adjusters, LLC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I've contacted National credit adjusters numerous times to validate my debt because they are reporting inaccurate information on two accounts which include amount owed and accurate dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13
Company: DISCOVER BANK
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
The company Discover Financial Services closed my secured credit card for XXXX bias reasons. I reached out for a valid explanation and was provided with 2 different reasons for the closure. I have requested documents and the exact reason per my under the cardholder agreement and was never provided an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13
Company: PENTAGON FEDERAL CREDIT UNION
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Hospitalized due to XXXX and complicated by XXXX, Was out of work and unable to make payments

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I

previously reported this company for putting unverified collection accounts on my credit file. This company attached two letters that I never received because I never lived at with either address on those letters. This company failed to send me any letters to my correct address and has listed and reported this unverified Information on my credit which has caused serve damage to my credit file. This is against the FCA they are required to send letters to the consumer and verify that all the information is correct. Which they have failed to do so I will attach these letters that they provided in a previous response and this is clearly not any address associated with me. Which clearly means that someone has used my information to obtain credit. This information needs to be deleted until they can verify the correct owner of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: EQUIFAX, INC.
State: MN
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:
On multiple occasions, I have requested Equifax to correct inaccurate information on my credit file, and provided supporting documentation from the courts but Equifax refuses to do so. ( see uploaded documents )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have sent in my notice of rescission letter to XXXX on XX/XX/2022. In my letter, I stated multiple violations made in my contract and my right to rescind 3 years after consummation ( they did not send me 2 copies of my right to rescind ). 

I received a letter from XXXX on XX/XX/2022 that says " As a validation of the disputed debt, we have enclosed a copy of the executed retail installment sale contract between yourself and XXXX  ). This contract is sufficient under Texas Law to create a valid obligation from your part to XXXX  and we will not rescind your contract ''. 

First of all, I didn't dispute the debt. I am practicing my right to rescind my contract and XXXX is denying me that right. This is another attempt to put XXXX on notice the effects of rescission. 

The effects of rescission 12 CFR 1026.23 ( d ) which states that the security interest in my contract becomes void, and I am not reliable for ANY amount ; INCLUDING the finance charge. I know that XXXX had 20 calendar days after my original notice, to return any money to me that has been given and take immediate action to reflect the termination of the security interest. In which you haven't done, according to the letter I received on XX/XX/2022. 

I will be taking legal action. Attached is my Affidavit letter of truth, my cease and desist letter, and my original rescind letter. I have also printed out the codes you have violated according to federal law. 

The affidavit will be notarized on paper ( the one sent through CFPB isn't signed ), everything will be sent via certified mail to your chief executive officer and XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13
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 information incorrect

Complaint:
On XX/XX/2022 I paid this account balance in full. The account currently has a {$11.00} credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 have had a recurrent issue with getting a resolution regarding the inquiries on my credit report with the  Transunioncredit bure au. I have sent a notarized letter and have spoke with representatives on several occasions. There are hard inquiries on my credit report that I did not authorize and not aware of the company at all. The credit bureau has failed to properly investigate this issue and has sent me a generic letter stating that the inquiries are accurate but they have failed to send me proof of the accuracy. The inquiries that have been disputed and not resolved are the following :  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX   XXXX   XXXX  and  XXXX . I appreciate CFPB looking into this matter further.     Best Regards,  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 2022-03-13
Company: Ability Recovery Services, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This agency has been harassing to pay a debt that has already been paid. The debt was paid in XX/XX/XXXX. They are still harassing me. I had to block their number and I am still getting letters. I told a man in XXXX, I would take care of it. I did not even remember the debt and I took care of it like I said I would. I found out today XX/XX/XXXX that they added the debt to my credit report, falsely. They are not managing their accounts correctly or trying to make me pay the debt twice so that they can make money off of me. I am literally in the process of looking for a home and they are messing with my credit score and ability for my family to buy a home.

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 2022-03-13
Company: Child Support Recovery Services, Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX is reporting incorrect information to my credit report. 
-Amount of payment has already XXXX agreed and paying on time.

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 2022-09-08
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:
account information not reporting to all three credit bureaus.

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 2022-09-08
Company: EQUIFAX, INC.
State: FL
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:
The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to XXXX 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions I

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
Company: EQUIFAX, INC.
State: FL
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 have had a recurrent issue with getting a resolution regarding the inquiries on my credit report with the Equifax credit bureau. I have sent a notarized letter and have spoke with representatives on several occasions. There are hard inquiries on my credit report that I did not authorize and not aware of the company at all. The credit bureau has failed to properly investigate this issue and has sent me a generic letter stating that the inquiries are accurate but they have failed to send me proof of the accuracy. The inquiries that have been disputed and not resolved are the following :  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX   XXXX ,  XXXX , and  XXXX   XXXX   XXXX . I appreciate CFPB looking into this matter further.     Best Regards,  XXXX   XXXX

Company response to consumer: Closed with explanation