BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-18
Company: RENASANT CORPORATION
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I had wrote a check to a check cash place and I told the lady I want to make payments on the check I only got XXXX I made one XXXX payment then she tell me she change it to a installment loan that shot up to XXXX and some after I had pay XXXX and only got XXXX so I said no I'm not paying that when I only got XXXX we had a court case last year in XXXX then I put a stop payment and block on that check.then XX/XX/XXXX I had XXXX in my account i got XXXX out atm and it said I only had XXXX so I go in said and ask were my XXXX dollars ok now from XX/XX/XXXX when I wrong the check til XX/XX/XXXX a year later here come that same check pending the woman in didn't help me so I call the main bank in she said it just got there she see were that check had shipment on it so she said I'm stopping it right now and putting stop payment again for free then on Monday the XX/XX/XXXX that same check show up again and XXXX gone all over I go back to the bank and I said how a year old check that was block keep getting in my account over a year old and to blocks the last block was the XXXX a Friday the the XXXX which was that Monday a again so the manger got mad cause I told I don't understand what she was trying tell about my XXXX give what money I had still in the accout and your accout is now close now get out before I call police you don't no longer have a accout here.so I had XXXX she give me on the XXXX never got my XXXX or no understanding close on the XXXX XXXX in it then no on the XX/XX/XXXX I'm XXXX how when you close it on the first now check this out my XXXX check came to the close accout on the XXXX they let it come then got XXXX out of it and tell go get all of it from the drive threw don't go in.now a close account on the XXXX XXXX accout close then XXXX overdraft on the XXXX with a close account.how you got my XXXX check that should have gone back cause the accout was close they told me and I should have got my hold XXXX in the mail not missing XXXX I look online in what they did was they insurance I had for XXXX let it come in and out that close account 4 times and charger me XXXX for that with a close accout.help me get my money and then some cause I feel I was did wrong to stop payment and over a year old check then kick out then XXXX overdraft when accout was close on the XXXX they said. All cause the manger got mad cause I didn't understand and she new I was in the right so she could not explain it to me were it should good to me she got mad. Help me please

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 2023-10-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Auto Loan with Bank of America was paid off on XX/XX/2023. On XX/XX/XXXX, we contacted B of A representative XXXX per telephone at XXXX. We were told that BofA will release the lien within 8 days and we should receive our pink slip within 3 weeks. Nothing happened, so we contacted XXXX again the middle of XXXX- she said she would check on it. On XX/XX/XXXX, we received a letter from XXXX XXXX at Bof A that said they had contacted the CA DMV to confirm our title work and that we should receive our title within 60 DAYS. Her telephone number is XXXX. On XX/XX/XXXX, we contacted XXXX at XXXX and she stated that they still had not received the lien release/title from the CA DMV, and said they would submit another request to the DMV. On XX/XX/XXXX, we contacted XXXX XXXX again and she stated that they had not received the electronic title yet and that she would reach out to the CA DMV as well as the dealer we purchased the vehicle from and would call us back on XX/XX/XXXX. 
Today, XX/XX/XXXX, we received a call back from XXXX and she found out that the DMV had issued what BofA needed on XX/XX/XXXX! However, she had no explanation as to whether our title was lost in their system or what had happened to it. Her " solution '' was to request another lien release and send it to US and that we would go to the DMV and request ( and pay for ) a duplicate pink slip. Their loan has been paid off for 4 months now, and we still do not have clear title to our car.

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 2023-01-26
Company: ERC
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In 2021 XXXX XXXX XXXX  was notified with a complaint against XXXX XXXX XXXX concerning these charges. 3 days after a customer service manager from XXXX XXXX XXXX contacted me to understand my complaint submitted to XXXX. I explained the reason of the determination of the contract service since I could not use the phone and neither the service and I was tired calling and calling for help. I returned the phone and I was told that my service is terminated and I would not have anymore charges or any contract with XXXX XXXX XXXX. and here we are after 2 years. Everything should be on file, including the dispute made throughout XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: Assured Financial LLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a collection letter from Assured Collections, LLC ( XXXX XXXX XXXX XXXX, XXXX, OK XXXX ) on XX/XX/XXXX, stating that they were collecting on behalf of XXXX XXXX XXXX. They were collecting an amount of {$2900.00} for a product # XXXX, date of XXXX XX/XX/XXXX. I immediately responded to the letter stating that I never received such a device, checked with my physician 's office to confirm my bills for this XXXX were paid in full, and no device of this type was ordered. I have since received another collections letter stating that I should pay immediately or a negative report will be sent to credit reporting agencies, or a legal suit could be brought against me. 
I have researched XXXX XXXX XXXX, and found numerous complaints filed with the XXXX  that is exactly the same as my situation, where they wait 2 - 2 1/2 years then start tryng to collect. I never received any type of contact from XXXX prior the above referenced letters. 
I am refusing to fall for this scam and am contacting legal representation to hopefully get this resolved. 
I have filed a complaint with XXXX, and will be reaching out to all agencies to make people aware of this scam.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-13
Company: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XX/XX/2021, I requested from the company in question the method of validation used in claiming this debt belongs to me. They have yet to send me any information to which they claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: SYNCHRONY FINANCIAL
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Received a loan you didn't apply for

Complaint:
So, Synchrony Bank has placed a lien on a vehicle that I paid for in cash outright. I have the evidence to support that and the dealership is a witness that said fact. I have the temporary title ( because I never received the permanent one from the dmv ), the retail certificate receipt of sale, the wire transfer receipts, etc. Also, my insurance company and myself have confirmed with Synchrony that I have no loan or account with them nor do I have any relationship with Synchrony of any kind. However, something that would take them all of ten minutes to do ; Which, is issue me a lien release document ; they simply refuse to do. They have refused to assist me in any way but the FDIC says I would have to retail legal counsel in order to pursue a quiet lien and that is simply unacceptable primarily given because I cant afford that ; Moreover : why do I have to fight so aggressively over something that OBVIOUSLY belongs to me? This is not okay and Synchrony is instigating an egregiously hostile environment. { lease assist me in this matter so I can have this fraudulent bank removed from MY title of MY motorbike. Thank you.

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 2023-08-14
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 submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23
Company: JPMORGAN CHASE & CO.
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I 've had a mortgage with Washington Mutual, which was taken over by Chase, for almost 20 years. I 've never missed a payment, and always paid on time. I 've also always paid my property taxes to my town. There has never been a problem. A few months ago, Chase contacted me and told me I owed my town about {$4.00} in overdue property taxes. I called my town and they told me I did not owe this amount. I also could not believe that given my perfect track record that Chase would even be doing this. I called Chase and told them I checked with the town and I did not owe the approximately {$4.00}. I still do n't understand why Chase would be doing this. In the last month, I learned that Chase was starting to pay my property taxes, even though I had paid them and they were up to date. I know that when I pay my property taxes, they go to an out of town company, so it can take several weeks for them to show up in my Town 's records, but that system is up to my town, I have nothing to do with it. On XXXX XXXX, 2017 Chase sent me a letter saying prior correspondence had been in ( their ) error, but I do n't know what that error was. Then they sent me a statement saying " escrow shortage '' was {$2900.00}, but I 've never had an escrow, then I called Chase automated line and they had a much lower figure for the alleged " escrow shortage. '' This is because my property taxes are all paid up and current, as I 've always taken care of them without problem. I am quite angry at Chase about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: HEARTLAND PAYMENT SYSTEMS INC
State: TN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
The alleged debt was paid in full In accordance to cfr XXXX. This was a credit sale, I am aware this is a negotiable instrument evidencing the debt arising from this consumer credit transaction. This debt was paid in full at signing of the debt, yet you are trying to charge me XXXX. Deceptive collection practices is what your doing and many other violations. Me, the debtor have the right to bring any claims and defenses against any holder of this instrument at any time. 
16 CFR 433.2 NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: EQUIFAX, INC.
State: GA
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:
Despite multiple written requests, the unverified items in question. listed below continue to report on my credit report in violation of federal law. These items in question. must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items in question., I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
This is my FURTHER Complaint that I was the victim of identity theft, XXXX and TransUnion Credit Bureaus don't care at all that I want to dispute these XXXX ACCOUNTS in my credit file. XXXX! How often do I have to tell them that these accounts are NOT MINE? Please DELETE the following accounts listed below. 
XXXX XXXX XXXX  XXXX Balance Owed : {$920.00} ; XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$15000.00}.

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 2022-06-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Bank of America XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, California store opened a business credit card for me without my permission. He did not inform me that he would run my credit to open such a credit card. I went to the bank to open a checking account for my new business. He ended up run my credit and opened a credit card for me. 

When I told him that what you did was wrong and you behavior caused trouble for me in obtaining the mortgage, he said that BOA would not blame him for anything, and he also said that " you deserve it ''. 

I made several complaints to BOA. The banker was correct. He did not get punished for any of his wrongdoings. BOA called me and provided a fake number to call back. It never worked. Called for dozens of times. BOA does not want to face the problem or to give me an answer. I have been a customer in BOA for seven years. This experience was disappointing and unacceptable.

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 2023-08-14
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:
I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have submitted my Affidavit of Truth multiple times. Transunion has failed to respond.

A Un-rebutted Affidavit STANDS AS TRUTH IN COURT.

TRANSUNION has committed aggravated identity theft. TRANSUNION has committed fraud and has also committed more than 1000 violations under the FCRA. TRANSUNION is in violation of 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681i ( 5 ) ( A ) ( i ), 15 U.S. Code 1681n ( a ) ( 1 ) ( A ), 15 U.S. Code 1681o ( a ) ( 1 ), and 15 U.S. Code 1681n ( a ) ( 2 ) PROOF is attached TRANSUNION is now in default and agrees with the FACTS. 

I am XXXX XXXX and I am submitting this complaint myself AS THE CONSUMER NATURAL PERSON.

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 2021-03-17
Company: Client Services, Inc.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To whom it may concern, Account # XXXX I have previously sent you a request to validate my debt, account number XXXX on XX/XX/2021 and XX/XX/2021. 

Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I have given you 30 days to remedy the situation, which is a very reasonable period. I have received no reply from you, though I did receive confirmation via mail that you did receive my letter. 

Since you are still reporting this account on my credit report, you are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, which I may collect from you by filing a claim in small claims court. I intend to follow through with the suit if I do not hear back from you within 15 days. 

You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. I'm sure your legal staff will agree that noncompliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 

I look forward to hearing from you, XXXX 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 2021-09-22
Company: Bull City Financial Solutions, Inc
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Several requests have been sent to this Debt collector. This is the formal complaint against BULL CITY in regards to acct # XXXX. 
I have not received any response, for the company has failed to comply or adhere to my previous request that was sent by certified on XX/XX/2021. By not replying they have failed to adhere to the FCRA by not responding within 30 days nevertheless 60 or 90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX {$0.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request 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 non-monetary relief
Consumer complaint received 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 sent this request that you reinvestigate the disputed Accounts from my credit report as well as update this Account from my report during the investigation period. As of this date, you have failed to respond to my request. 
XXXX XXXX XXXX Balance : {$150.00}, XXXX XXXX XXXX Balance : {$8.00}

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