BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-27
Company: V and H Portfolio
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company placed a collection on my credit report. I have disputed this debt several times through the credit bureau as not mine and asking for validation. In response, the company submitted a standard note agreement that could have been completed by anyone. The note agreement was missing the following : - Signature page with a wet signature - Copy of the ID of the person signing the note agreement - Original creditor contact information I believe this to be a violation of Regulation F, FDCPA, and FCRA guidelines as they have provided no information to confirm I owe this debt or that I originated this debt conclusively.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: Experian Information Solutions Inc.
State: OH
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-05-12
Company: ROBINHOOD MARKETS INC.
State: WA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Deposited funds of {$1000.00} to robinhood brokerage around XX/XX/23. Decided to not use robinhood and withdraw funds back to XXXX  account. Have contacted customer support several times with resulting in email contact only and continuing to ask for increasingly sensitive information in order to have funds returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
Company: Specialized Loan Servicing Holdings LLC
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 is missing that should be on the report

Complaint:
Found out that my mortgage company, Specialized Loan Services ( SLS ), has yet to file my on time payments with XXXX credit Bureau. I have been calling them for over 3 weeks each day to see about a resolution and they have yet to resolve issue as I have spoken to credit bureau who verified no resolution has occurred after they have reached out to creditor. I have spoken to serval customer service agents along with supervisors and nothing is rectified to this date XX/XX/XXXX.

Also asked for mortgage note on home and loan company could not produce. I was then sent one from XX/XX/XXXX which is not the same as my current mortgage note. Three weeks later and still no correction to credit report nor my current mortgage note

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 2023-09-14
Company: Nelnet, Inc.
State: MT
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:
XXXX XXXX XXXX XXXX shows check was deposited by NelNet. Check was for {$4100.00} to pay off the balance of our Parent Plus loan. 
XXXX XX/XX/2023 No change in our loan balance. I called and they found check. I was told it will be processed. 
XXXX XXXX I called again as there was still no change in loan balance. I was told they will submit a request to get the payment processed. Advised me to call back on XXXX XXXX if nothing has changed in our account. Our account shows interest accruing but I was told they would back date the check to XX/XX/XXXX so no interest will need to be paid. 
XXXX XXXX On hold/waiting for call-back from XXXX XXXX. Eventually transferred to XXXX XXXX ( same as in first call ). Said they will submit a request to process the payment, will take 10-14 business days. I told them thats what I was told when I called on the XXXX. He said there was no request submitted on that date. I asked to talk with the next higher level of customer service, he said I would be told the same thing by them. I asked to be put through anyway. After another 15min on hold, was told no one was available but that I would get a call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: CREDIT ACCEPTANCE CORPORATION
State: NC
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:
In accordance with the credit Reporting act XXXX XXXX has violated my rights 15 usc 1681 section 602 states I have the right to privacy 15 USC 1666B : A creditor may not treat payment on a credit card account under an oean end consumer credit plan as late for purpose

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 2022-07-09
Company: Westlake Services, LLC
State: OH
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:
In Accordance with the Fair Reporting act XXXX Account, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2018-05-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
By XX/XX/XXXX I was enrolled in a promotional offer with Bank of America expecting to receive a {$200.00} bonus for making {$20000.00} in qualifying deposits to my existing savings account and maintaining that balance for 90 days following enrollment. The full offer has been attached. 

According to the terms of the offer, Bank of America would deposit the bonus amount within 60 days. 

As of XX/XX/XXXX, which is well beyond the 60 days promised, no bonus has been deposited into the relevant account. 

I have attempted to resolve the issue directly with Bank of America through their telephone customer service line on XX/XX/XXXX and XX/XX/XXXX, and through their Financial Center located at XXXX XXXX, XXXX XXXX XXXX, XXXX, MA XXXX on XX/XX/XXXX. 

During the XX/XX/XXXX interaction, a representative of Bank of America confirmed that the deposits made to the account between XX/XX/XXXX and XX/XX/XXXX met the qualifying deposit requirement of the offer and that up until the date of the call the appropriate balance had been maintained. The representative opened an investigation ( reference number : XXXX ). 

On XX/XX/XXXX, I attempted to follow up on the investigation with another telephone customer service representative. They provided contact information for the Incentives Bonus Team ( XXXX ) but were otherwise unable to provide additional information or resolve the issue. 

On XX/XX/XXXX, I attempted to contact the Incentives Bonus Team at the number above ; the Bank of America representative refused to discuss the status of my account promotion or progress of the investigation. 

On XX/XX/XXXX, I met with Bank of America representatives in person at their XXXX XXXX XXXX XXXX. The representatives reviewed my account and reached out to the Incentives Bonus Team but again were unable to provide any additional information. 

As of XX/XX/XXXX, two months after the expected bonus payout date, a satisfactory resolution has not been reached.

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 monetary relief
Consumer complaint received 2023-07-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Bank of America, N.A breached line of credit ending XXXX on XXXX and caused three of my properties in XXXX Virginia unlawfully foreclose ( XXXX ). XXXX XXXX XXXX XXXX XXXX XXXX on behalf of Bank of America XXXX XXXX XXXX a complaint against my property at 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 XXXXXXXX attempted to foreclose my property in XXXX, and made me to file XXXX  XXXX bankruptcy to protect my property at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FILED FALSE, FRAUDULENT claim in XXXX  XXXX bankruptcy with different account number from Bank of America, XXXX, XXXX  XXXX BANKRUPTCY CASE NO XXXX CLOSED ON XXXX, AND case number XXXX ca XXXX XXXX XXXX DC XXXX on XX/XX/XXXX. 
conclusion because of the Bank of America, N.A breached line of credit, and opened accounts without my knowledge, and because of the XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX filed false, fraudulent papers in my property deed book, and filed false fraudulent complaint and attempted to foreclose in XXXX my property and filed false proof of claim in bankruptcy XXXX  XXXX in XXXX, i suffered a lot financially and emotionally. 
i demand compensation for all of the financial and emotional damages, AND VACATE ALL OF THE FALSE, FRAUDULENT PAPERS FILED SINCE XXXX IN MY PROPERTY DEED BOOK IN WASHINGTON DC. 
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  Bank of America N.A XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: SYNCHRONY FINANCIAL
State: NY
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:
Syncb/tjx co dual I been paying my bill on time evrey month no late payments no nonething and they closed my account it should be no reason for this to be on my credit report wen they closed the account

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 2016-08-04
Company: Automatic Data Processing, Inc.
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
On XXXX XXXX I got a phone call from ADP bank services asking about recent transactions on my card, I heard on the recording there was a transaction from an ATM withdrawal, the more I thought about it I was like I have n't been to an ATM recently with that card, when I called to check the balance there was nothing but XXXX dollars left on the card. I called ADP and they told me there was three transactions made on that card that morning at a XXXX bank I had never been to, withdrawing XXXX dollars XXXX times. I was in XXXX XXXX which is a good hour away with the card present in MY POSSESSION. I had the card with me the whole time, and no one else has the pin. I filed a dispute and a police report right away. I had used that card with the PIN a few days earlier at a gas pump, my guess is that the card number and pin were scanned there. I waited 10 days for the company to tell me I 'm not getting my hard-earned money back, the representative told me there was no failed PIN attempts. But yet they did n't inform me about all the failed transactions that person had, until after I asked. I argued that I physically had the card with me and if they could look up the camera they could see it was n't me or my bright red ADP card, he said there WAS NOTHING i could do, and there was no way to appeal, and said I could n't send in my police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I tried to have them remove false information. 
I would like to know their Rules and procedures for obtaining bankruptcy information. I have been in correspondence with XXXX XXXX XXXX, U.S. bankruptcy court And he stated the court does not communicate or verify information directly with the credit reporting agencys.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: ENCORE CAPITAL GROUP INC.
State: ME
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Midland Credit, who informed me they were acting as agent for XXXX XXXX, settled an outstanding debt for less than the amount owed. The settlement was paid in two ACH installments, External Withdrawal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 and External Withdrawal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 for XXXX each. They have not removed this information or adjusted to show it is settled although XXXX XXXX  has updated their records. I received notification from XXXX XXXX, XXXX XXXX, that this collection account balance has increased, although how this can be eludes me. I have tried to file formal disputes on this company for erroneous reporting through the credit bureaus and was only told they met FCRA standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: Experian Information Solutions Inc.
State: TX
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 mailed a letter requesting verification of the information held with the company XXXX, a company I have never been associated with along with any documents or contracts with my wet signature for verification of any contract signed ( which is normal for my operation of business ). They returned with documents that were incorrect including an amount I did not owe them nor did I attend school dated back from 2015 in the amount of XXXX and XXXX including a disbursement date of XX/XX/2015. Not only did they return this inaccurate infomation, they also did not include majority of the things requested for verification for consumer ( including last billing statements, late payment notifications, original contract with wet-ink signature, proof when any debt owed became delinquent, proof of service with state, etc. ) This company is in partnership with the Department of Education XXXX XXXX XXXX and has unauthorized shared information within their operation of business. Including that, information came back under my request of verification in the form of documents including an incorrect mailing address, email address, and typed signature ( not official wet-signature signed per request ) as well as late payments on credit report to a business I never had business with. This matter is affecting my score with inaccurate information unverified and after my request, no action has been changed to remove, going against my rights as a consumer.

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 2022-07-09
Company: Experian Information Solutions Inc.
State: OH
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:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # xxxxx XXXX XXXX XXXX XXXX  Account # xxxxxxxxxxxxxxxx XXXX XXXX XXXX XXXX Account XXXX xxxxxx XXXXXXXX XXXX XXXX XXXX Account # xxxxxxxxxxxxxxxx XXXX XXXX XXXX XXXX Account # xxxxxxxxxxxxxxxx XXXX XXXX XXXX XXXX Reference # XXXXXXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX XXXX bankruptcy Reference # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2019-08-30
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
My Navient account was put in forbearance for less than two weeks which has caused my payments to increase. This resulted because Navient refunded my monthly payment due it being " sent to the wrong address. '' A Navient customer service agent offered to put my account on hold while the matter was sorted, but I wasn't told capitalized interest would increase my monthly payment. If I had been told this, I would never have agreed to it. I've attempted to solve this issue, but I've been told there's nothing that can be done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have brought 3 cars from Usautosales. Currently it's reporting on my credit report 2 times for different amounts. I have reached out to the company and also the company that has taken over its portfolio and still no answers. I charged XXXX for a XXXX XXXXXXXX XXXX I have had the car since XXXX and paid every payment on time. There is no way they are reporting that I owe XXXX to one company and XXXX to the other and reporting over XXXX or more to my credit report for the same vehicle. Not to mention 2 of the vehicles I had totaled out and I had gap and protection. But I paid out of pocket and was never reimbursed or helped. I actually had to pay them. Please research my case and inform me of the next steps to take.

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 2023-09-14
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am not liable for this debt it is inaccurate and from identity theft I asked company to remove reporting from credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20
Company: Fidelity National Information Services, Inc. (FNIS)
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Now married to my husband, I have XXXX now attempted to simply get added to our joint account so I may be issued a debit card and purchase groceries, etc. My records indicate, as ChexSystems just sent me my requested copy dtd XX/XX/XXXX that queries were made on XX/XX/XXXX and 5XX/XX/XXXX by XXXX XXXX XXXX XXXX. The bank indicated XXXX times that a code was returned that they can not override indicating I do not qualify to do business with their bank. The reason provided : the code received back from ChexSystems. 
I then requested the report ChexSystems sent XX/XX/XXXX and it shows the XXXX queries but no other information at all regarding the reason for the code or any cause for me to be denied anything via ChexSystems query. My report shows " no information found '' under the check ordered and reported information sections. If this is indeed the case, reporting to the bank a code that denies me membership is a misreporting of my status and should be corrected as soon as possible. If the report I requested is missing information, then this report should be corrected so I can then find the source of negative reporting and get the situation corrected or disputed properly. 
I therefore request either a corrected report or a correction to the code returned when a bank requests information regarding me using my social security number or name. If possible, I further request an explanation why for the past year I 've been unable to be added to a joint bank account with my husband, yet the report I requested contains no negative reporting associated with my social security number. 
I believe I have a copy of the bank 's " bad code '' report, but I definitely have a copy of my ChexSystems report if needed. 

XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: EQUIFAX, INC.
State: SC
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:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see verifiable proof ( an original consumer Contract with my signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation