BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-28
Company: Commonwealth Financial Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Servicing Department : Please be advised this notice is in regards to recent Commonwealth Financial Systems claims on account # XXXX and regarding my potential claims pursuant to the Fair Debt Collection Practice Act, 15 U.S.C. 1692 et seq. ( the FDCPA ). I deny any and all liability and financial responsibility for the indebtedness claimed by you. Accordingly, this letter serves as a formal dispute of any balance associated with the abovementioned account and as a demand to discontinue any current and further collection attempts. Furthermore, pursuant of the Fair Collection reporting Act ( FCRA ), 15 U.S.C. 1681 and 15 U.S.C. 1681i, I demand an immediate expulsion of past or future credit reporting by of any current or future collection efforts, including any derogatory remarks furnished thereto. 

I further request that you discontinue all collection efforts, unless and until you timely ( 30 days ) provide me with : ( 1 ) evidence that I am the proper party in interest concerning the suspected debt ; ( 2 ) verification of the debt in question, ( 3 ) any and all legally signed bonafide contractual agreement, and ( 4 ) the successive documentation evidencing any assignment or transfer of a debt account to Commonwealth Financial Systems, from the original creditor. Furthermore, I request that Commonwealth Financial Systems to discontinue reporting of any derogatory information regarding the abovementioned account to Credit Reporting Agencies. Regardless as to whether these demands are fulfilled or the outcome of this dispute, I hereby exercise my rights to enter the entirety of this letter as a Consumer Statement in XXXX XXXX credit file pursuant to FCRA provisions. 
Failure to adequately respond to the demands included in this letter, within 30 ( thirty ) days, will render a legally binding presumption that XXXX XXXX  acknowledge I am not the proper Party in interest to the claimed past due amount and any further collection efforts are unlawful. 


Respectfully yours, XXXX XXXX XXXX ldw

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: CITIBANK, N.A.
State: OR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2019 ( all 3 bureaus ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to 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 2023-10-31
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
To Whom It May Concern : I have submitted disputes to Equifax over 7times already, XX/XX/XXXX, XXXX requesting the removal of a few accounts, in compliance with the Fair Credit Reporting Act, Section 611, part B, subsection ( iii ) 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] I am dismayed that XXXX has not taken care to maintain the procedures to assure complete accuracy in the information they have published and has not complied with the law by providing the requested information within the 30 days allowed. 
The accounts that I know to be reporting as a result of a mismatched credit profile, theft and with errors are : 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. 

I have never worked for XXXX XXXX The hard inquires that I know to be reporting as a result of a mismatched credit profile, theft and with errors are : XXXX XXXX XXXX XX/XX/XXXX + XXXX XXXX XXXX XX/XX/XXXX + XXXX XXXX XXXX XX/XX/XXXX + XXXX XXXX XXXX XX/XX/XXXX + XX/XX/XXXX + XXXX XX/XX/XXXX + + XXXX XX/XX/XXXX + XXXX XXXX XXXX XXXX XX/XX/XXXX , XXXX XXXX XX/XX/XXXX AND XXXX XXXX XXXX XX/XX/XXXX. XXXX can see that there are alerts attached to my profile about mismatched information along with long standing fraud alerts. I have never lived at or received mail at these addresses : XXXX XXXX XXXX XXXX, XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07
Company: EQUIFAX, INC.
State: NC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-04
Company: LEXISNEXIS
State: SC
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:
Someone with a similar name filed a Bk in 2013 and it is listed on my credit report with XXXX and XXXX. I have never given Lexis Nexis written permission to provide this information to ANY consumer reporting agency. I have wrote the courts and the responded saying that they do not provide any personal information to any credit bureaus. I have reached out to XXXX and XXXX and they both said that Lexis Nexis provided them the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
i check my credit and i found out that someone has been using my personal information they even bough a car with 2 credit cards and the other account i have no knowledge of im am a victim of identity theft i did not authorize these accounts

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 2021-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 have sent XXXX and TransUnion verification letters regarding inaccurate letters that appears on my credit. They always said " Verified '' but never actually send me the tangible verification documents that say that debt belongs to me. I do not recognize them. I never signed up for them. 

I am requiring them to send me documents that those debts belong to me or I will be suing for having such information affecting my life and finances. 

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 explanation
Consumer complaint received 2019-07-27
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX sent an alert that a new " hard '' inquiry was just added to my XXXX credit report from Jpmcb - Card Service on XX/XX/2019. 

This fraudulent inquiry could affect my score. 

I have not approved this inquiry and it should not be listed on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-05
Company: AES/PHEAA
State: CA
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:
In XX/XX/XXXX I reapplied for an Income Driven Plan and was informed it was approved for $ XXXX/month. I filed my taxes in XX/XX/XXXX, checked the status a few weeks later and seen a tax topic code 203. Unsure what that meant I did research and found it was due to my student loans. I contacted the loan company right away and was informed my loans were put in default in XX/XX/XXXX, I was never informed about this. I started contacting the debt collection company that was handling the debt and the Department of Education. I was told there was nothing that could be done to stop the tax offset of my refund. D.O.E stated if the error was on XXXX XXXX I would need to contact them and dispute the error. I contacted the Service Recovery Department of XXXX XXXX on XX/XX/XXXX and was informed my application for the Income Driven Plan was either never processed or wasnt processed correctly. The agent I spoke with started the request to have the default reversed due to clerical error and informed me it would take 30 business days for the request to be sent to the Department of Education. I called the DOE on XX/XX/XXXX, they had not received the request yet. I contacted XXXX XXXX on XX/XX/XXXX to check the status again, I was informed the requests are sent to DOE the end of every month and was assured it would be sent by the end of XX/XX/XXXX. I contacted DOE on XX/XX/XXXX, they still have not received the request. I contacted XXXX XXXX on XX/XX/XXXX and was told their internal department has not reviewed my case yet. At this point I have waited the time they required and I had my entire tax refund offset due to clerical error on XXXX XXXX and they can not give me answer to when this will be resolved. After they do send the request to the DOE I have to wait an additional 30-60 days for the loans to be sent back to XXXX and out of default, 45 days for DOE to process the refund for the amount that was offset and an additional 14 days for a check to be sent to me. This situation has caused me extreme hardship, financially and emotionally. Something needs to be done for XXXX XXXX to resolve their error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-11
Company: Cloud Willis & Ellis, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2023, I received a collection letter from Cloud Willis & Ellis , LLC claiming I owe {$330.00} to a XXXX XXXX accnt # XXXX. Although I only received it today, the letter provides only XXXXour ( 4 ) days for me to dispute the debt. The letter is not postmarked however, I have provided proof of receipt through USPS Mail. I signed up on an electronic USPS dashboard which documents mail I am to receive. I am responding to the company at the same time electronically however, the lack of dispute time is concerning as I believe they are supposed to provide thirty ( 30 days ). A lack of postmark on the exterior of the letter suggests a lack of accountability since it makes it hard for a mail recipient to prove when it was mailed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
I filled an dispute in regards to the incorrect items on my credit report and it has been well over 30 days and I haven't received any investigation results.

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 2022-08-29
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been on mortgage with PRMG ( PARAMOUNT RESIDENTIAL MORTGAGE GROUP , INC. ) Corporate office located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX. 
I have not received any Tax document from them for past three years. 
I have tried numerous time to get it resolved. They have not able to give me access to my online account from the day I have been on their mortgage. No visibility on my account for all the payments I have been making. I have tried numerous times to send the statements they have not provided any to me till date.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My loan servicer ( Suntrust ) will not remove PMI from my mortgage despite my having paid over 20 % paid equity on the loan over the last 14 years. My original appraisal was $ XXXX. I put 10 % down at closing and have never missed a payment. Upon calling they quote rules from their system not available on the public internet/Suntrust site. I believe the practices by Suntrust to be unfair, underhanded, and purposely deceiving.

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 2023-10-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I filed a claim to bank of america for unauthorized charges dated back 4 months. The customer representive start from XXXX and was working her way back to XXXX. For over {$5000.00} purchases. I wanted to put XXXX claim in but she put XXXX for XXXX months and said that the system was not letting her put XXXX claim in. She also said that I had a year to put the rest of the claim in. When I did they denied my claim. Anybody could see that over {$5000.00} worth of game purchases was not normal. When I called to see why my claimed was denied they said it didn't match the previous claims. I told the representative to put a claim for game purchases. She did that and also included card purchases that I didn't want to report fraud for.

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 2021-01-14
Company: HYUNDAI CAPITAL AMERICA
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I contacted Kia last fall to get assistance due to losing work from Covid-19. They told me they could extend three months of my loan to the end of the term but I would have to pay at least one payment up front for them to do that. I paid over XXXX dollars to them, processed the paperwork. One month later they were calling me for more money and informed me that my request was denied and " you have to make ten monthly payments on time to qualify for a postponing of your payment again. '' I have made every attempt possible to pay what I could and last week I made a payment of {$50.00} on the internet. I borrowed money this week from my son when I found out my Stimulus payment was going to be postponed. I attempted to log into the website, my account was locked. I called the number and the guy advised me I would have to pay an additional {$7.00} to make the payment over the phone when my son was present to give permission. 

I attempted to call again this evening, the first call went to the automated system - a {$3.00} fee to process a payment - and was going to take my payment until I put in my social. I then got transferred to a live agent who advised me they had to get me over to my agent. I began talking to my son and she said " excuse me '' and I responded with " I was talking to someone else. '' The line disconnected. I called back, same situation, automated system sent me to a live agent so I could make a payment for an additions {$7.00}. I asked this agent if she could take my payment and she immediately got rude with me saying " when you give me your name, I can pull up your account. '' I gave her my name, she told me she would have to transfer me also, I again I said something to my son. This agent said " who are you talking to. '' I responded with " my son. '' and she disconnected the call. I tried to call back 3 times and each time the call was disconnected. Finally on the fourth try, my son also called from his phone and we finally got the payment sent in. 

This feels like they are refusing to take my payments even though I have informed them of the situation and how it relates to Covid-19. 

Please help, they are demanding all of my stimulus check before they will reopen my account on the website so I am not charged additional fees to make a payment.

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 2023-10-31
Company: CREDIT ACCEPTANCE CORPORATION
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with additional add-on products or services purchased with the loan

Complaint:
In XX/XX/XXXX I had went to search for a vehicle that would be reliable and just in a certain price range that I would be able to afford. I came across a car lot just off of XXXX at the XXXX XXXX XXXX XXXX There was a XXXX XXXX XXXX that was just within my budget priced at {$11000.00} which with payments I felt confident to be able to pay off within a reasonable time. I came back to the lot the next day and traded in my XXXX XXXX towards the total and spent the whole day with a gentleman at a desk to cover the contract for the XXXX. Everything seemed to make sense and I signed the contract and made several months worth of payments that were around {$400.00}. One day I wanted to inquire about what I still owed on the XXXX so I called the credit acceptance company and asked what the amount I still owed was at and I was told that I owed around {$34000.00}. At that point I thought there must be some sort of confusion and that they had pulled up the wrong account. When I spent a whole business day with the gentleman in the lot to cover the contract, I had asked him 20-40 times throughout the discussion of the contract if there were anything on each page worded to change the overall price or finance of the XXXX in which every time he assured me no not at all sir this vehicle is {$11000.00}. Once realizing that I had been scammed and had taken a loan that I would actually not be able to afford I surrendered the XXXX and had lost my means of transportation. On top of that they sued me in court immediately and my credit has been ruined since XXXX. I am currently still on a homeless veterans program to assist with my living situation and to this day, even though I am permanently and totally XXXX through the VA from a service connected injury I still can not be approved for a home loan to provide for me, my wife and XXXX children. The account sits at {$11000.00} today and is preventing me from moving forward in getting my home loan through XXXX XXXX. I would have never agreed to anything that would have caused my life to collapse this way and at that time exceeded my budget so greatly. When I went back to the dealership to ask questions about what had happened they were no longer a car lot and the business was now an audio shop. I need help, thanks.

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 2023-08-13
Company: American Credit Acceptance, LLC
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Good afternoon, I denounce that without legitimate authorization, was consulted by XXXX financing entities for the purchase of a vehicle, I do not know since I have a vehicle of my own without credits, I only approached the car plaza to ask the cost of a vehicle, NEVER AUTHORIZE THEM TO CONSULT FINANCIAL INSTITUTIONS, FOR WHICH I DENOUNCE THIS UNPROFESSIONAL AND daring BEHAVIOR on their part, when I observe it is that I was consulted by these entities : XXXX. XXXX AUTO XXXX XXXX 
XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX AMERICAN CREDIT ACCEPT XXXX. XXXX XXXX XXXX XXXX has been denounced is that I never gave my approval to the vehicle sales store and neither to financial institutions, for notifications to my email address.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
XXXX XXXX* Balance Owed : $ XXXX Delinquencies reported after the account was closed. This is a violation please delete. 

Chapter XXXX Bankruptcy Discharged XXXX You've not furnished any documentation whatsoever and this means that you are reporting false info and just do not care. I've since made complaints against you with the CFPB.

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