BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-17
Company: Pinnacle Credit Services, LLC
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 is not mine

Complaint:
3rd Party collection company is attempting to collect a debt, that was not mine nor authorized by me, additionally, this debt they are attempting to collect is beyond 6years the statute of limitation in Pa where I reside, the holder of this debt is also a collection agency, XXXX the original debtor removed the debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Dear Equifax Information Services LLC : This letter is a formal complaint that you are reporting inaccurate and incomplete information on my Credit Report. I understand that mistakes happen but your inaccurate information could cost me higher interest rates and I have enough expenses as it is. Can you please investigate the following information and either remove it or at least send me the information that you used to add it to my report. XXXX XXXX/XXXX/XXXX Find out the exact date, because I think the XXXX shown is not quite accurate. Refresh my mind on this data and verify or delete this entry form my credit report. XXXX XXXX Verify the remarks, payment status, history dates, and high credit. Check it and repair accordingly. XXXX XXXX I want a verification in the status, monthly payment, XXXX payment history and credit limit because is difficult for me validate. Corroborate if is possible make any corrections or delete. XXXX XXXX Rectify the high balance, limit, comments, account status, and payment history. I have doubt that must be clarified so if you may please check the data and possibly correct them. XXXX XXXX Review this data like the status, comments, payment history, and high credit because I feel there have some errors. Verify and repair or delete. XXXX XXXX I contemplate in some context on this account might bring possible errors.I believe the pay status, comments, account status, and high balance are having a great effect examine and repair or end the reporting. INCORRECT ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX My address should be accurate and current. Refer to my attached documents so the proper corrections are made and delete the following from my personal credit file. INCORRECT ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX My address should be update, correct, and accurate. Refresh and take away the following from my credit report : Incorrect Name XXXX XXXX XXXX am confuse how you are provide my name on my personal credit report. Please verify into this have it corrected and delete the following : XXXX XXXX XXXX XXXX/XXXX/XXXX Verify the company name, date shown, and if this was authorized properly. Afterwards remove it from my credit file since the data might be erroneous.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21
Company: Paypal Holdings, Inc
State: DC
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I was attempting to move money from my PayPal account this morning to my PayPal pre-paid card. This action was unsuccessful though I had funds in my PayPal account. I signed into PayPal and saw a note that the funds in that account were being held and that their system identified another account with a debt. This is the first time I have been told of this and found out not my a formal letter, nor any other communication until I received an email later on this AM. I contacted them concerning this " other '' account and requested that information be provided to be in written form, and requested that my account be released. After being bounced around from limitations to the other office I finally was able to have a CS fill out a fraud claim. I informed them that 1 ) the XXXX informed me three years ago that my identity was stolen ; 2 ) I am a former XXXX on XXXX was was informed in XXXX that my information had been hacked. I also noted that I needed the funds to purchase my medications this afternoon. I was told that my case was being expedited and after a review they may release my money. If they were able to not do whatever they do, I would have no recourse legally. First off I was denied a formal letter with information to be able to review and dispute. Secondly, I was not given any notice or time about this. Thirdly, PayPal uses some algorithm which they do not share or do they provided to a consumer in written mailed out form. And lastly, the hold a consumer 's funds on the basis of this system and are not willing to provide the consumer anything about the situation. At this time I am waiting for PayPal to honor their promise to review, contact me, and lift the limitations on my account which not only apply to my funds, but by bank debit card, and another card which I am unable to anything with that information. In other words it they have taken hostage of my financial records and without due process of the law ; in some sense this action can be seen as harassing the consumer as it is a non-verbal threat in order to make the consumer pay a debt that they may or may not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: Lendmark Financial Services
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debtor continues to make up to XXXX phone calls a day at work and to my " emergency contacts '' to collect a debt that payments continue to be made on. They will call up to every two hours to work continuing to harass not only myself but my place of business.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
We booked and fully paid total of {$2100.00} XXXX {$500.00} initial deposit, {$1600.00} final payment ) for a cruise with XXXX XXXX on XX/XX/XXXX. Due to Covid-19, the cruise was subsequently cancelled by XXXX XXXX on XXXX. At that time we elected to reschedule the cruise for XXXX at same rate. 
Since Covid-19 was still ongoing, XXXX XXXX cancelled the XXXX XXXX cruise. The option for refund was acknowledged and we filled out the proper documentation with XXXX XXXX for the refund. The refund confirmation stated that refund will be processed in 30-45 days. After several phone calls and continued request for refund with XXXX XXXX that went unanswered, we filed a dispute with our credit card holder, Bank of America and provided all requested documentation. Credits to the account with Bank of America were issued in the amount of {$500.00} and {$1600.00} on XXXX. No further communication by either XXXX XXXX or Bank of America was received until XXXX, XXXX Bank of America was denying the claim and will be reversing the previous credits issued. The claim was escalated with Bank of America on XXXX ( case # XXXX XXXX with XXXX who agreed to reopen the case but also advised we file with CFPB. Please see all documents attached including receipts, refund acknowledgement and subsequent BOA claim denials.

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 2021-04-21
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:
I discovered in my credit report, some information is not mine. I think that I may be a victim of identity theft. I do not recognize these accounts and have never incurred debt with these creditors. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. It could also be possible you are mixing up these accounts with someone that has a similar name as 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 2021-04-22
Company: AES/PHEAA
State: NJ
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:
ON XX/XX/2019 FEDLOAN SERVICE # XXXX ADD A DEROGATORY MARK IN MY CREDIT REPORT AT XXXX UPON FURTHER RESEARCH THIS ACCOUNTWAS TRANSFERRED/HOLD AND I AM NOT LONGER RESPONSIBLE FOR THE ACCOUNT, DEBITORS CREDIT DID NOT VERIFY THIS COLLECTION. ALSO THERE'S WAS NOT WRITTEN FORM OF COMMUNICATION CONTRACT OR SIGNATURE FOR THIS ACCUSED DEBT AT ALL. A BILL WITHOUT A SIGNATURE DOES NOT VALIDATE THE DEBT AND ANYBODY CAN SEND A BILL AND SAY ITS MINE. ACCORDING TO THE FCRA FEDLOAN SERVICE HAS VIOLATE MY RIGHTS AS A CONSUMER AND I'M REQUESTING LEGAL ACTION TO REMOVE THIS ACCOUNT INMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
A LOCAL MAN STOLE FUNDS FROM ME AND MY MOM. HE JUST PLED GUILTY - HOWEVER I AM HAVING A HARD TIME FROM THE BANK TO RETURN THE STOLEN CHECKS/ MONEY. THE CRIMINALS NAME IS XXXX XXXX - HIS SENTENCING IS XXXX/XXXX/16

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2015-06-02
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I turned in the XXXX lease car for a new lease car at nissan dealership. I was told all would be taken care of. XXXX debt collectors begin calling about damage to XXXX of {$400.00}, harrassing phone calls, were told to stop ..kept calling ..were told to send info about lease car damage ... none sent..calls continuing..XXXX XXXX XXXX, XXXX XXXX various numbers used

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: EQUIFAX, INC.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Their phone number is XXXX Constantly calling! 
They never leave texts or voicemails. I've called that number and it's always busy or it disconnects. 
I HAVE called other numbers too that are harassing me with calls. Gotten a hold representatives. They promise not to call again but within 2 or 3 days, they start calling again! 
I know it's about credit card debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have paid the required settlement amount of {$5500.00} in full on XX/XX/2021 but a balance of {$2300.00} is being reported on my credit report. The amount agreed upon in the settlement was paid before the date required in the settlement agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
On XX/XX/XXXX, my wife and I sent a letter to Equifax asking them to investigate errors on our credit report. Months passed, and we simply could not get Equifax to respond. After countless follow-up letters and complaints, my wife finally received the results of her credit investigations in XX/XX/XXXX. However, unfortunately, even after continue follow-up letters and complaints, I have yet to receive the results of my credit investigations. It has now been six months since we sent our original letter. The fact I have received no response from Equifax is utterly ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06
Company: ALLIANCE FINANCIAL RESOURCES
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I started a mortgage refi with a company Alliance Home Loans. They told me that i am not to make my next month payment. we have never had missed a payment in 3 years. They failed to close the loan on time which now we cant re fi for 3 month and have damage or perfect payment history. And now we have to struggle to catch up. I feel that if they could n't close they should have let us know!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: Experian Information Solutions Inc.
State: AZ
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SS : XXXX DOB : XX/XX/1990 Account- XXXX XXXX XXXX Account # XXXX After Moving from XXXX , XXXX  to XXXX , XXXX I recently reviewed my credit report in order to obtain a mortgage on a home and I noticed several inconsistencies and inaccuracies regarding the account XXXX XXXX XXXX. These can not be accurate. The name on the account is not me. I am XXXX XXXX NOT XXXX XXXX. Also these accounts appear to be furnished by the same creditor so why is all the provided data different? Delete ALL information regarding this account from ALL credit reporting agencies WITHIN FIFTEEN 15 CALENDAR DAYS you are required by federal law to verify - through the physical verification of the original signed wet-ink consumer contract with my signature on it- This is NOT a request for verification or proof of my mailing address Now, I respectfully request that your office ( s ) provide me with competent evidence that I have any legal obligation to pay this debt PLEASE DELETE 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 2017-04-29
Company: Convergent Resources, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I requested validation/verification of this debt through the credit bureaus in  XXXX  of  XXXX . The debt collectors refused to do so and the credit bureaus deleted them off of my credit report between   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX  . I have no recollection of this debt and according to my past credit report, this debt is almost 10  years old . Now, the SAME collection company sent me a letter dated  XX/XX/XXXX  to try to collect the debt once again AFTER their refusal of verification/validation.

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 2021-04-22
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In the month of XXXX I made the deposit of two checks, one check was from XX/XX/XXXX for the amount of XXXX dollars and the other check was from XX/XX/XXXX also for XXXX dollars, as the two checks are in my name and are for the same amount of money, that caused the system to reject them, since the system assumed them as duplicates, so I made several phone calls to Fifth Third Bank, then I had an appointment with a very nice and competent representative, who explained to me all the procedure to follow after speaking with the corresponding department, and she told me that the money would be in my account within a maximum of 3 days, but that was on XX/XX/XXXX, that representative has called me to see if it is already resolved and so far these funds have not been deposited in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
I had been working with Carrington Mortgage company since XXXX 2015 on a mortgage loan. I had been pre-approved for {$170000.00}. I was working closely wiht the mortgage loan officer. We finally got a closing date of XXXX XXXX, 2015. On XXXX XXXX, 2015 the mortgage loan officer called and said they needed a few additional days as XXXX of the loan processors was in the hospital. My realtor had me sign a extension contract, extending the closing for XXXX days. XXXX days after the extension was signed I got a call from the mortgage loan officer telling me I would not be getting the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: Westlake Services, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
back in XXXX I had financial hardship due to covid. I called Westlake financial to tell them what was going on. they did offer one month of no payment but since I got furloughed from work I would still be in trouble. they are trying to hold me accountable for a vehicle that I gave back to them and now it reflects late payments and different amount. I did have XXXX for pay off now they went from that to XXXX and I have a letter to send them XXXX this is totally wrong

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 2016-12-08
Company: NCC Business Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On my credit report it states that I owe more than what 's actually owed. I called the debit collection agency they stated that they just rounded the debit off.

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 2015-08-10
Company: HCFS Healthcare Financial Services of TeamHealth
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I found an entry on my credit report from ARS, a collection agency. I disputed with the credit bureaus and recently requested a validation of debt. The letter I received in the mail as validation of debt is not adequate as it does not give a place of service, service provided, or who the service was given to. It only has a date of service and an amount. I do not believe this account belongs to me and they have failed to prove that it does.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-30
Company: Vengroff Williams, Inc
State: FL
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 recently applied for a mortgage and found out that this haed inquiry is on XXXX report as of XXXX/XXXX/XXXX. I contacted bot XXXX and the agency and neither are willing to help. they pass the ball to each other so no one is responsible. on XX/XX/XXXX I faxed a request to have removed and my report was updated that the inquiry will be removed XXXX/XXXX/XXXX. This FRESH report from XXXX/XXXX/XXXX shows its still on there but set to come off 8 days prior? I need removed Immediately

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 2021-04-21
Company: Fay Servicing, LLC
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a matured notice by XX/XX/XXXX want XXXX try talking to company tried to get a extension but told no want there money I dont have that kind of money in such a short time

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NH
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
I am in the process of refinancing and the Mortgage Company will not release the payoff info to the Title Company. The Title Company has been requesting the info since XXXX. They followed up once and then reached out to me for assistance. This is the second problem I have had with this company, ref complaint # XXXX. I have missed XXXX deadlines to conform with a court order due to errors and delays on the mortgage company 's behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: EQUIFAX, INC.
State: OR
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:
My private Information that I did not authorize to be shared is being reported to a non affiliated third party which is fraud. I never gave authorization for my private information to be shared with Equifax I have already reached out about this on multi occasions and highly upset and given that the wrong information is being reported and is not in line with my XXXX report this is another violation. It needs to be removed asap before I seek legal action. Unless Equifax can prove that the have my authorization to report my private information they need to stop reporting. They are furnishing a deceptive form and I will take them to court. 

Attached is a letter I have already sent to Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15
Company: U.S. BANCORP
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I wanted to stop XXXX ( XXXX ) automatic monthly withdrawals from my checking account and was told by the person at the bank it would cost me {$35.00} each to do this ( {$70.00} ). I told her this was a rip-off. It took her less than XXXX minute to enter the information into the computer to stop these monthly withdrawals.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation