BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-16
Company: STATE FARM BANK, FSB
State: PA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I negotiated a payout and cancelled my card on XX/XX/XXXX. The bank does not dispute this. However, they never shut off the card and when a recurring charge from a local store was processed later in XXXX and XXXX, the charges went through and now the bank wo n't remove them and say I am responsible for these charges. The card was cancelled on XX/XX/XXXX, anything after that should have never went through. I have called them over 10 times to resolve this. when they are n't sending me to different departments, they are refusing to take the charges off the cancelled card. Just as an aside. My husband also negotiated a settlement amount and payment for his credit card on the same phone call. His card was cancelled per his instructions. This is their mistake, not mine. Thank you for your help with this. Please direct all inquiries to my husband XXXX. He handles the finances and he was the person interacting with the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09
Company: Mel S. Harris and Associates, LLC
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
My checking and savings at XXXX XXXX XXXX were put on hold. I went to my bank to inquire why. They gave me a phone # ( XXXX ) XXXX. I was told I have an outstanding debt with XXXX that had been sold to Mel S. Harris and Associates in NY. I was told they were sending letters to a home I have n't lived at for well over a decade. I was told they had a legal right to seize my money. I was told the debt was from XX/XX/XXXX. The original debt was from the mid XX/XX/XXXX. In XX/XX/XXXX I was repairing my credit score and settled this debt to the best of my recollection. I no longer have records this far back. I sent a letter to XXXX yesterday in an attempt to track the settlement. It is the beginning of the month. This is when most of my bills are due. I have checks out there. XXXX is to a court for an unrelated incident. If that check bounces because of this I will probably have a XXXX for my arrest. It is a violation and a {$25.00} check. It is very bad on so many levels. Untangling this mess is costing me money everyday I can not access my bank accounts and their former contents. In all likelihood this has set off a chain of events that could take years to untangle. I missed a potential job interview trying to resolve this. I just XXXX with a XXXX degree and am trying to embark on a new career. I am getting married and they took the savings that I 've scraped together working XXXX jobs, XXXX days a week while I was taking XXXX credit hours of collage classes. As I am typing this I am missing work. I work in the XXXX industry. I do not get paid sick days or time off. It also just looks bad as I had to tell my employers why I am missing days. I might lose shifts permanently because I 'm missing shifts. I am waiting to hear back from Mel S. Harris. I left a message and the representative also told me she 'd be calling me back today. So far no call. I 've tried to make contact at her office repeatedly today. I may have to keep trying tomorrow. I 've spent the last few days researching what i can to and trying to contact anyone to help. It 's eating up my work and school time. Time is money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Inaccurate information is reporting on my consumer report.. Please consider this dispute & formal request under the FCRA, to provide a copy of the verifiable original creditor documentation to the following inaccurate accounts and/or information ; 1 ) XXXX is NOT my account 2 ) XXXX is NOT my account 3 ) XXXX is NOT my account 4 ) XXXX is NOT my account 5 ) XXXX NEVER KNOWN BY THIS NAME 6 ) XXXX NEVER KNOWN BY THIS NAME 7 ) XXXX NEVER KNOWN BY THIS NAME 8 ) XXXX I never lived at this address 9 ) XXXX I never lived at this address 10 ) XXXX I never lived at this address 11 ) XXXX I never lived at this address 12 ) XXXX I never lived at this address Experian 's failure to positively verify these accounts have damaged my credit, life, liberty & pursuit for happiness.

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 2018-05-29
Company: EQUIFAX, INC.
State: LA
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:
please please please can yall make these bureaus obey the law. when Equifax had a breech last year all of a sudden I had collections accounts,3 different ss numbers, different addresses, and new opened accounts that didn't belong to me..some information was removed like the addresses, ss numbers but they refused to removed 4 collection accounts they continue to send back verified when I asked them for the method of verification I am constantly ignored by law this is against my rights and against the law .The law states that the bureaus must report 100 % accurate and true information.they refused to verified the accounts below These accounts in question are 1 ) XXXX XXXX XXXX 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX 4 ) XXXX XXXX MANAGE SOME OF THESE COMPANIES ARENT EVEN LEGALLY ALLOWED TO COLLECT IN THE STATE OF LOUISIANA. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g, I was expressing my right to demand that the bureaus disclose there compliance with Metro 2 and disclose to me all of the documents that they have recorded and retained in there files at the time of this request concerning the accounts that you are reporting in my credit report.

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA because they refused to provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
There was an incorrect tax lien filed in XXXX County Court in XXXX 2016. In XXXX 2016 the Indiana Department of Revenue notified the court to EXPUNGE the entry as it was done in error. All other credit agencies removed the entry however Experien has not

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 2016-01-11
Company: Nations Recovery Center
State: NC
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
On XXXX/XXXX/XXXX my employer received a phone call from XXXX asking to speak with me. I was not working that day and when I did return to work they gave me the # and said the caller asked that I contact them right away. When I called I was told that they were attempting to collect a debt and that if I did not pay asap they would begin proceedings to have my wages garnished. They stated there was a judgement against me in the courts and that I would have to pay or make payment arrangements within 1-2 days. I told them I would need to call them back. They next called me directly on Friday, XXXX/XXXX/XXXX, and again asked me to make a payment. They offered a " settlement '' of a lower amount for which they claim I owed. I asked to have the offer sent to me in writing and provide 30 days, they told me I did not have 30 days but they did say they would email a copy of the judgement and put the offer in writing. I advised them my wife would call them back on Monday. They called me on Mon morning, XXXX/XXXX/XXXX to ask when I could make a payment. I told them my wife would call soon. My wife called XXXX XXXX Mon, XXXX/XXXX/XXXX to ask questions. They did not send me any details via email but they told her I did, they attempted to bully her into payments but she asked for the case #, etc. It turns out they were using a judgement in the name of XXXX XXXX XXXX XXXX and were attempting to collect more money than the judgement was for. They connected her and the courthouse which backfired on them as she learned she could make payments to the courthouse. She called my wife after the phone call and asked how she wanted to pay- my wife responded- to the courthouse. The woman told her she did not have time if we wanted to take the " offer '' my wife said put your offer in writing and provide 30 days and they refused. They still claim they emailed the details the previous Friday which was a lie. This companies name turned out to be Nations Recovery Center Inc in XXXX GA. The sad part of this scenario is that the original debt was related to a PREPAID credit card company- XXXX ( yes prepaid! ) that was paid down to a XXXX balance and was asked to close the account. They did not and continued to charge fees month after month until it reached an astounding amount ( over XXXX )!!

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 2015-11-07
Company: CAINE & WEINER COMPANY, INC.
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I bought a coin from XXXX XXXX..I placed payment with my credit card company.. I did not receive product after reasonable time and placed a dispute with credit card company and payment to XXXX XXXX, XXXX TX. After extended time and communication with XXXX XXXX.. Received product. I called both credit card company and XXXX XXXX to release funds to XXXX XXXX. All XXXX had to do was contact my credit card company and funds would be released.. They failed to do that.. I contacted XXXX XXXX and they said they never ran into this problem and did n't know what to do ... Ha Ha ... I then contacted my credit card company and they cancelled the transaction. I then sent XXXX XXXX a check for the full amount. It was sent Priority Mail with delivery confirmation. It was delivered on XX/XX/XXXX ... As of this date they have not cashed the check ... .... But they did turn my name over to a collection agency Caine & Weiner ... That company wants payment threatening to send in a negative report to the credit bureau ... Along with that phone calls.to my home and cell .... I have attempted to pay XXXX and for whatever reason they will not cash my check.. I have no intention of paying to have the check cancelled and sending one to this supposed collection agency.. I just want them to cash my check and leave me alone.. FYI there are an outlandish amount of alerts for deceptive business practices filed against XXXX .... Not sending products paid for .... Saying products returned were nothing but empty envelopes .... Changing prices for products after purchase ... An interesting note is XXXX XXXX will not respond to communication attempts ... However they did send my name to a collection agency in less than 45 days from my initial purchase .... And without contacting me first .... A little quick on the trigger ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28
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: Information belongs to someone else

Complaint:
There are banks reporting that i owe money and i have never had an account with them such as XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. Also there are other banks th as t keep running my credit constantly and bringing my score down i do know aww hat else to do. Its the same facilities when i check it. I even put a flag so it can not be run without authorizations but that does not seem to matter

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-26
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX XXXX sent this disputed debt to a collection agency who has posted this account to my credit report. This is against the law. I have a right to dispute this bill. They know I do n't owe any money and sent this debt to collection company anyway. Collection information listed below. I will contact a lawyer about this. 
THE XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Account Number : XXXX Original Creditor : XXXX XXXX XXXX Address Identification Number : XXXX Status : Collection account. {$630.00} past due as of XXXX 2016. 

Date Opened : XX/XX/2016 Reported Since : XX/XX/2016 Date of Status : XX/XX/2016 Last Reported : XX/XX/2016 Type : Collection Terms : 1 Months Monthly Payment : {$0.00} Responsibility : Individual Credit Limit/Original Amount : {$620.00} High Balance : NA Recent Balance : {$630.00} Recent Payment : {$0.00} Payment History : Account History : Collection as of XXXX 2016 I HAVE ATTACHED FCC COMPLIANT WHICH WAS DONE MORE THAN 3 MONTHS BEFORE ACCOUNT WAS SENT TO COLLECTION AGNECY

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 2016-05-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Portfolio Recovery Associates bought a debt from XXXX XXXX XXXX. They have called my work number and stated that a person was at my home and I had better have a payment for them or they were going to garnish my wages. They continue calling all of my telephones, which is a {$1500.00} fine per call in the State of Florida. They are also trying to collect on credit card debt that is over 5 years old. I 'm about to contact an attorney to stop their harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-11
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
In 2016, I suddenly received noticed that my Experian account had decreased by XXXX points. On my report, I noticed that Experian reported a delinquent payment from XXXX of my XXXX accounts, but neither XXXX nor XXXX had. When I called XXXX, they said that there should be no payments reported as delinquent, since they were reporting all payments as on-time. I then called Experian, and they told me even *they* could n't find any record of a delinquent XXXX payment. And, yet, in my credit report, they continue to list a recent delinquent payment. 

Experian 's account representative acknowledged the error, and could not find an explanation. I submitted a ticket to Experian 's engineering team, per their recommendation, and have only gotten a response that they 're working on it. Four and a half months have passed, and my Experian score continues to be at least XXXX points lower than my XXXX score and XXXX points lower than my XXXX score. 

No one -- not Experian, not the credit repair agency I contracted to deal with the problem -- can seem to figure out what 's going on. And, yet, my credit score continues to suffer because of this mysterious reporting error.

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 2015-04-24
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX inserted collection on my credit bureau. Per letter sent to me by creditor a verification of debt was requested promptly on XXXX XXXX, XXXX ( attached ). A letter to all XXXX credit bureaus was sent on XXXX XXXX, XXXX. No response from XXXX has been received as of XXXX XXXX, XXXX. A call to creditor on XXXX/XXXX/XXXX acknowledges receipt of letter dated XXXX/XXXX/XXXX for verification. They also acknowledge they can not verify accuracy of debt or date of first delinquency. Per my records, this account was paid in full to the original creditor and the account was closed prior to XXXX. Per the Fair Debt Reporting Act, any debt reporting needs to be accurately reported and a verification of debt is required if requested by consumer. Furthermore, any debt with first date of first delinquency over 7.5 yrs from the original debtor can not be reported to the CRA 's.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-15
Company: Computer Credit, Inc.
State: PA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt has been paid in full back on XX/XX/2016. It was paid online my reference number is 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 2016-04-06
Company: STATE FARM BANK, FSB
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
In XXXX 2015, we switched our vehicle insurance to State Farm. I received a phone call from a gentlemen named XXXX a agent, Asking me if I wanted to save money on out auto loan and he could get us a lower rate interest and our auto payment would be lower. We made appointment and I went to speak to him at the branch that week. He quoted me some quotes and I decided to transfer my loan with them, to save money. He set up everything including auto pay, because he said that this would be the only way the bank would approve it, so he did. My first payment was until XXXX. I went back into the branch before XXXX to get a quote for my truck loan and he sold me. I switch over my loan with State Farm. He told me right there in from of everything was set up, including auto pay.Just like he did the car loan. Life went on and on XXXX XXXX, I called XXXX the agent to ask him if the car and insurance went through. He said yes, at the same time I asked him should i call you on XX/XX/XXXX to make sure you get the truck payment. He replied no because everything looked good and the other two payments had gone through. Life went on, I later received a letter for the truck loan, it had n't been paid. I called him, he said he would look into it and I called him everyday about 3 times a day for the next 5 days. He was n't there and finally, i spoke to him and ask him what happened, he said he fixed everything, I told him are you sure, I do n't want this to hit my credit report. He no it wont, just call them and make the payment. I went back to the branch on my day off and XXXX was no longer working there. I went ahead and explained my issue with XXXX. She told me XXXX no longer worked there for this mistakes and he was getting customers upset. She looked through my file and noticed he did n't fill out the paper work correctly and did n't set the auto pay as well. She went ahead and fixed the papers, set the auto payment and the back took my payments for XX/XX/XXXX and XX/XX/XXXX. I told her but what about my credit report? She replied NO it should be good and I will fill out this dispute letter and they should be able to take it off. Well it never happened and this unacceptable. I'am trying to close on a house and I cant because they have n't dropped this case on my report. I will living in the streets with my XXXX mother and father. I called and they give me the run around they cant do anything about it. They are responsible for this, for not setting up my account correctly and now am being punished for it. I need to get this removed from my credit report before, i loose everything, my home am trying to purchase and my home am renting. I'am really upset, I would n't be in this situation if XXXX and XXXX would of fixed it 2 months ago. XXXX admitted of getting the dispute document faxed to her, but it was never filled out and send back. They need to take responsibilty and correct this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Certified letters have been sent to the accounts. I will attached the certified receipt. 

I have recently been informed that there is negative information reported by XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX and XXXX in the file you maintain under my Social Security number. Upon ordering a copy of my credit report, I see an entry from these company listings Late Over 120 Days and ACCOUNT LEGALLY PAID IN FULL FOR LESS THAN THE FULL BALANCE LAST REPORTED DELINQUENCY. I am unaware of Late over 120 Days and ACCOUNT LEGALLY PAID IN FULL FOR LESS THAN THE FULL BALANCE LAST REPORTED DELINQUENCIES.. 
Please validate this information with XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. A legally binding contractual obligation to pay you the alleged amount. 
An employee looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. 
Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

The inquiries not belonging to me are XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX and XXXX XXXX/XXXX/XXXX. Please provide me with viable proof that these belong to me. An employee looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. 

Please update my report and remove the highlighted accounts and 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 explanation