BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-06
Company: Experian Information Solutions Inc.
State: AL
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:
im filing this report against the XXXX major credit bureaus. XXXX XXXX and Experian have been reporting inaccurate information or my consumer report. I first want to say Ive never given these companies permission to furnish anything on my credit report they art violating my rights and committing Identity theft with these actions. I demand that this account be removed from my consumer report as soon as possible and bh law they have 4 days to remove it. once removed i would like and updated copy of my credit report be sent to my mailing address. This action has cause complete turmoil in my livelihood and I am prepared to collect XXXX for each inaccuracy placed upon my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-24
Company: Data-Central, LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
As of XX/XX/2021 the check # XXXX was received and confirmed by XXXX XXXX. Email attached. Now being harassed by a debt collection agency for a debt that has been paid in full. 

A debt collection agency is emailing a warning to collect a debt that has been paid in full. On XX/XX/2021 a bank statement shows the check ( # XXXX ) was cashed out of my account for {$1200.00} ( Apartment termination amount ). 

The debt collector is emailing reminders to pay the debt with 'fradulent ' emails that contain A phone number, no extention, and the phone number requires an extention to route the call ... " discuss payment arrangements at ( XXXX ) XXXX ''. The email is sent from a No-Reply account, no associated emails to contact, and links to a website that are broken/do n't exist ( 404 errors ). 

After contacting the Apartment Manager, an email was sent confirming payment and yet this third party 'Central Billing ' and XXXX XXXX XXXX ' , the collection company and continues to email me collection warnings that include all aspects and credit edits/liens/damage reports. Have located the business and also contacted their support email to remove my/account referenced as the debt doesn't exist. Has been paid in full to terminate the agreement and has been completed.

Company response to consumer: Untimely response
Consumer complaint received 2023-08-03
Company: Fidelity National Information Services, Inc. (FNIS)
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: Account information incorrect

Complaint:
I have called and XXXX XXXX and Chex system and they keep telling me to call each other. Chex system says I have a an account of XXXX $ I owe and I never used a XXXX XXXX account I called XXXX XXXX they said they do not see anything that shows I owe this money. Please help me resolve this I cant get a bank account nothing I cant even get my report from Chex system

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 2022-10-04
Company: DISCOVER BANK
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
XX/XX/XXXX, call from Discover Card to remind me to fill out and file a form they allegedly sent me in XXXX to verify my identity. I never got the email so they sent it again. They claim it was a random identity check, but the form requested authorization to look at my last two years ' tax returns. They also asked for my social security number, both of which I declined to do. I smelled fraud. I told them so. They said it was a random check. I said, you dont need my tax returns to verify my identity, and you dont ask for SS numbers on an unsecured phone line. They then asked alternate questions and finally agreed I was who I said I was. But they wouldnt reopen the account. 

Today I was declined a purchase even though there was adequate credit. I called the number on my card and got the same story. Ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: Continental Services Group, Inc. d/b/a ConServe
State: NY
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
To whom it may concern, I am not connected to this debt with Conserve. I have attempted sending several disputes asking for Request for VALIDATION, NOT Verification mutiple times through certfied mail on the following dates : XX/XX/XXXX, XX/XX/XXXX, and recently again on XX/XX/XXXX. I sent these disputes to all three credit bureas and Conserve collection agency. Conserve will not reply to my letter directly but when calling the credit Bureas I am told that Conserve responded to their own inquiry saying this date is mine by using my CURRENT Address and name. 

My address and name should not be the only proof that shoud be used to connected to a debt. After disputing for the last three months I never got a response from them which is against the fair credit reporting act. My dispute said the following : " If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX  and XXXX  } request shall be sent to me immediately. " I again recieved no response unless I call the credit bureaus asking why isnt this file in dispute and why is it still on my report if they are not responding to my letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: CITIBANK, N.A.
State: NC
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On Wednesday, XX/XX/XXXX, I attempted to log in to my CITI account. Previously, I was able to log in and access both my CD account and credit card account under the same log in. I spent at least 3 hours on the phone, being bounced around between departments and people. I spoke to at least 10 different people on the phone and even more through their chat services. After wasting half of my day to this, I was finally able to log into my account again, but found I was only able to see my credit card. On XX/XX/2023 and XX/XX/2023 I have tried 10+ times each day to attempt to regain access to my CD. However, nobody has been able to help me. Everyone just transfers me to someone else. Nobody is able to tell me what has happened either.

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 2023-07-08
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 am writing to dispute the collection efforts regarding accounts of the alleged debt below that you claim I owe. I am aware that under the Fair Debt Collection Practices Act, you are prohibited from using any false or misleading representations in your attempts to collect a debt.Specifically, You are in violation of 15 U.S. Code 1692e ( 10 ) False or misleading representations, which prohibits the use of false or misleading representations in connection with the collection of a debt. Also I believe that the inaccuracies present in my credit report violate the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681o, which stipulates the responsibilities of credit reporting agencies regarding the accuracy of the information they report. Your attempts to collect the alleged debt have been misleading and deceptive, as you have failed to provide me with sufficient documentation and proof of the debt.

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 2023-09-08
Company: A.R.M. Solutions, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was contacted via mail by A.R.M. Solutions, Inc. about an alleged debt for the amount of {$390.00}. I do not have a contract with them that would give them grounds to collect any debt from me, and yet they claim that I owe this debt. Due to the fact that they have contacted me without my consent, A.R.M. Solutions , Inc. has infringed on my right to privacy as a consumer. On XX/XX/2023, I mailed an Affidavit of Truth to A.R.M. Solutions , Inc. outlining {$6000.00} in violations that I discovered on their document dated XX/XX/2023 from their initial contact with me. I also attached an invoice for that same amount of {$6000.00} in damages to be paid to me by check. They received both documents on XX/XX/XXXX, evidenced by USPS tracking # XXXX. A.R.M. Solutions , Inc. has failed to rebut my affidavit with an affidavit, nor pay my invoice, resulting in a default on their end. On XX/XX/XXXX I mailed to them a Notice of Default and Opportunity to Cure, granting them 10 days from receipt to pay my {$6000.00} invoice. I am eagerly awaiting my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: Nelnet, Inc.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
With Nelnet Ive tried calling multiple times within their listed hours of operation but the automated recording said they were closed. My loans are supposed to be on an IDR plan, Ive made two payments based on the letter I received from them, however I am still seeing a balance due for the month. I have tried reaching out with no success. 2 hour hold times ( via phone ). Please advise!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Accounts in good standing for 20+ years.

1. Bank abruptly decides to close account - allegedly for " operating a business type that we have chosen not to service '' ( for reference I work in the medical IT 
consulting field - specifically Covid projects ) - give 30 days " non-negotiable notice '' and XXXX number to call " with any question ''. 
2. 1-851 line is a scam - staff consistently answers with : " we can not give any explanation ( s ) '', " we can not discuss any bank policy ( ies ) '', " all we can do is confirm that closing notice is final ''.

3. Bank abruptly changes reason of account closing to " like you asked us to '' - After many calls - including one from my same bank personal wealth management associate NO INFORMATION OF ANY SORT IS PROVIDED NOR CAN BE OBTAINED.

4. I stop making payments and send a letter requesting details/contacts re : whom allegedly requested accounts to be closed. I receive a letter back stating " we are unable to process your recent inquiry [ .. ] with the information provided. 
5. Non-stop collection calls from XXXX number start from XXXX including weekends 6. I answer *many* of them and ask EACH TIME : A ) please review notes and that you see my prior requests - and complaints filed - to have manager review case ( ie " business type '' that the bank no longer service AND information regarding who allegedly requested account to be closed ) B ) EACH time I told that yes the many requests can be seen in the system but that no further details can be provided as only a manager can do that.

C ) No Supervisor or Manager are EVER avaible D ) EACH time a promise is made to have manager call back WITH INFORMATION within 24-48 hrs. THIS NEVER HAPPENS 7. When it becomes clear that this account closure due to business type is a sham and clearly will not be reversed, I spend 2 1/2 days of otherwise billable time ( @ XXXX XXXX/hr ) setting up alternate banking and credit card accounts with different banks 8. After at least a dozen conversation with customer service - many of them documented and some even with case # 's assigned to them, the bank has the gall to send me a letter claiming that they " have not been able to reach you [ me ] by phone since your initial communication ''. 

Is this time of Covid - and other banks *helping* their customers - there is something ominous about this scripted and clearly planned Bank of America closing of GOOD STANDING small transaction accounts without cause or reasons. 

This should be investigated for BOTH orchestration, cover-up, and extent of doing. issue.

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 2023-02-06
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 repeatedly sent Transunion proof that these accounts are fraudulent and should not be reported on my consumer report. Transunion has continued to violate my consumer rights. I have sent in the proper documentation required and Transunion has failed to delete the accounts. Transunion is willfully failing to comply with federal law.

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 2023-08-03
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company calls every 5 minutes, disturbs me at work and while driving endangering my life. They insist that I owe a Dr. that I have never seen. I have no bills from this doctor at XXXX XXXX and XXXX. I have no account with them since I have never been there.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 is XXXX collections in my credit report both from the same company XXXX XXXX XXXX I have no idea where this even came from I have already filed a identity theft report I want this off my credit report its preventing me from getting any findings needed to further build my business and my financial wellbeing please and 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 2022-11-18
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I made a payment on XX/XX/XXXX to XXXX in the amount of {$50.00} which was declined. I had {$580.00} in my account. I called Citibank on XX/XX/XXXX and spoke to a supervisor by the name of XXXX in the XXXX- she told me that she could not help.

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 2023-08-03
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/2023 said the charge for helping me get a loan modification was XXXX down payment, next payment XXXX. I made the first two payments. I sent copies of mortgage statements and bank statements. After that I tried to reach them but the phone just rings. They scammed me My home is in foreclosure and my mortgage company keeps sending me home retention package and still continues to not help me. I was told i had reached my limit for a modification which is twice They cut into your equity and then forclose on your property. I have income, ,I have been struggling since covid and the lost of my husband..This is unfair Looking for hope

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: HYUNDAI CAPITAL AMERICA
State: MA
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: Billing dispute for services

Complaint:
Back in XX/XX/XXXX, I leased a car through XXXX XXXXXXXX in XXXX MA. ( Which is now a XXXX XXXX ) I already was not happy with my purchase experience. 
Now, This past XX/XX/XXXX, they repoed my car, with no warning & I still haven't got a full explanation of the exact reasoning. 


In XX/XX/XXXX, I was laid off because of the Pandemic, and currently still am. I did email to ask to defer payments, like they offered but didn't receive a response. 

In XXXX, There was an error in taking money out of my account, but in my bank statements, you can see I put the money into my debit that day for my monthly car payment. 

Faithfully, ever since and before this - Hyundai has taken my monthly payments out like usual. 
ON XX/XX/XXXX around XXXX XXXX - My car was repoed out of my fathers driveway. No warning. ( I didn't think anything was wrong, considering my monthly payments were being taken out per usual. ) Shocked this was happening and it was too late to call anyone, I checked every account I could. 

My hyundai account said I had a balance past due of " {$880.00} '' and said the total due was {$1100.00}. 
The woman I spoke with the following morning, said i had to pay {$1300.00} for them to tell me where my car was and {$120.00} cash to go pick it up an hour away by XXXX ( it was XXXX XXXX ) or they could auction my car if they wanted. 

From my account it looks like the total I was charged was {$1300.00}. 

On XX/XX/XXXX, I sent Hyundai a check for {$1400.00}, I checked with my bank, and yes Hyundai did cash this money electronically, but never posted it to my account. 

The following day, XX/XX/XXXX I called and they said I had to wait a few days for me to get out of " repo '' and help me further with my account. 

XX/XX/XXXX - I called and then asked to be transfered to a supervisor, after getting no help - but he also told me he can not help with Repo 's. 
I asked about the missing check, he agreed they have no record of it and to mail in a bank statement to California but said " once we process it, it will be in your account '' My credit score also went down MAJOR because of payments they say I haven't made. 

I am XXXX year old girl. I work hard to make all my payments in a Pandemic. 
Of course, if I thought I had owed money, I would have paid. 
Now, this is going to affect so many things that I won't be able to do in the near future because of bad credit I don't believe I should have. 
I have money that is missing & unaccounted for, and every payment I have been told I owe is different.

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 2019-04-01
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Navient services my student loans. I have requested an income-driven repayment plan, which would delay payments for one year, allowing me to get financially stable. I can not afford payments at this time. I began contacting them in XXXX and attempting to apply for this. They were supposed to email links and paperwork to complete this. I never received that. I called back in XXXX and XXXX, multiple times, and finally spoke to a rep in XXXX who walked me through the application on the Navient and Studentloans.gov website. She said everything was in order and it was handled. I began receiving emails last week that I have loan payments due in XX/XX/2019. Next month. I called them back today and spoke with a rep who claimed there was no signature so it was denied, but she could see the electronic signature so it should have been approved. I was not convinced, so I asked to speak to a supervisor. I spoke to " XXXX, Rep # XXXX '' who was very rude, argumentative and unhelpful. He blamed me for everything and told me that it was my fault, basically. He said they do not accept electronic signatures and that was why it was denied and that I will now have to redo the entire application process and make sure I sign it this time correctly. He talked over me, loudly and refused to answer my questions or help me at all. I was so frustrated with his attitude and talking in circles to confuse me and blame me that I asked to speak to a different supervisor. He refused to transfer me, telling me that he can not transfer me to his peer and that his manager is not in the office today. I finally hung up, feeling bullied, frustrated and back to square one. I just want this handled and for them to stop dropping the ball. I have done everything exactly as they have told me to do, and yet they deny the application due to their own negligence. That is not right.

Company response to consumer: Closed with explanation