BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-26
Company: Duncan Solutions, lnc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Professional Account Management LLC ( PAM ) has called numerous times using abusive language for an alleged debt that I have no recollection of. They have also sent said bills of this alleged debt and when being asked in writing to provide proof of such debt, they failed to respond. Attached is a letter dated XX/XX/XXXX in the amount of {$290.00}. As stated before PAM has been asked to cease all communication on XX/XX/XXXX iin concerns with this alleged debt and they failed to respond or follow request. This endeavor has caused me such anxiety and grief in which medical attention has been sought.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: EQUIFAX, INC.
State: NV
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 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 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 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01
Company: EQUIFAX, INC.
State: NY
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 have no knowledge of some accounts on my credit report. I didn't even know about credit system since I got to this country in 6 years ago, until got separated from my husband and move out then I started receiving letter form companies about debts that I did not own or have knowledge of. 
I called these companies and told them that I did not open an account with them or have knowledge of any accounts. They assured me that the issue will be resolve because they couldn't or have any prove that it was me. 
They did close the accounts and I never received any letter again from them. 
Years gone by I ask told by a friend that I can sign for credit monitoring and keep track of my credit when I will did and discovered that those accounts were added to my credit report. I called the 3 credit bureau agencies numerous times and sent the letters three times and informed them that I have no knowledge of the accounts and they accounts doesn't belong to me. After several dispute they still have the accounts as open and collections without any prove. I asked for prove and they sent me a summary of monthly data of reports that was sent by these companies ( collections ). 
It is clear that these 3 credit bureaus are working for other companies and collections companies to put false information and false accounts into consumers like myself, to use their power to make me as a bad credit consumer. 
And what that means is that I will be false to pay for something that I have no knowledge of, to be able to get approved for any purchase of a car, a home and etc. They have refused to investigate, they have not sent me any prove, they have not deleted the fraudulent accounts and am asking for the intervention.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
THIS ACCOUNT WAS OPEN FRAUDULENTLY AND CREDITOR IS REFUSING TO REMOVE ACCOUNT FROM MY REPORT EVEN WITH ALL SUPPORTING DOCUMENTATION CLEARING ME. THEY CONTINUE TO SEND TEXT MESSAGES, INVOICES AND CALL ME IN REGARD TO THIS FRAUDULENT ACCOUNT. THEY ONLY NOW HAVE MY CURRENT AND ACCURATE INFORMATION DUE TO ME HAVING TWO ACCOUNTS THAT ARE MINE AND AUTHORIZED BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
NOITICE XXXX XXXX XXXX XXXX/ LAW OFFICES MBA IS IN VIOLATION OF ; Privacy Act of 1974 ( 5 U.S. Code 552a ) Important Definitions ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; This includes consumer reports ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31. Again they need prior written instruction of the individual to whom it relates. Section 3711 ( e ) of title 31 States ( 1 ) When trying to collect a claim of the Government under a law except the Internal Revenue Code of 1986 ( 26 U.S.C. 1 et seq. ), the head of an executive, judicial, or legislative agency shall disclose to a consumer reporting agency information from a system of records that a person is responsible for a claim if ( E ) the head of the agency has established procedures to ( iii ) get satisfactory assurances from each consumer reporting agency that the agency is complying with all laws of the United States related to providing consumer credit information ; and Either way they have violated not only the Fair Credit Reporting Act but also the Privacy Act of 1974

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-01
Company: Experian Information Solutions Inc.
State: MO
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:
Experian is reporting that I have a collection that isnt mine. I have no contract with this creditor.

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 2023-12-05
Company: Nelnet, Inc.
State: HI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I applied to the new XXXX repayment plan in XXXX of XXXX. I contacted Nelnet in XXXX after receiving a giant bill to repay my loans and after waiting on hold for over XXXX hours they answered the phone. I was told my application was under review and I would need to wait for a request of XXXX dollar payment to change plans. The woman told me they would send the email by early XXXX at the latest. I told her the bill shows I owe a massive payment that I can not afford. She said well you dont actually owe that we just have to process your application. I told her legally it shows I do owe that, and you could ruin my credit or worse by sending me bills prematurely. She assured me that I didnt owe that amount and I would have my application completed promptly. I havent received any information or emails from since then and I can not get anyone to answer the phone for days. This is beyond unacceptable. No one has XXXX hours to wait on hold. This is predatory and should be investigated. How could the federal govt select this terrible company to take over student loan debt?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: TD BANK US HOLDING COMPANY
State: OK
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I called in to TD Auto Finance XX/XX/XXXX to inquire where my overpayment was from my payoff that my credit union sent in. 10 day payoff quote on XXXX was {$58000.00} and my XXXX XXXX sent in a check for {$59000.00} which was applied to my account on XXXX This would be an overpayment of roughly {$420.00}. Rep tried to tell me that was the exact payoff at that time, which I explained was impossible if the 10 day quote on XXXX was {$58000.00}. She refused to provide what the payoff was at the time the payment was applied. Further, I cancelled loan products XXXX XXXX XXXX XXXX which would be applied to the loan balance. They said they applied a XXXX refund, but could not explain where the XXXX refund was. I see a rebate of {$630.00} in transaction history online and the rep could not explain where that went to. That rebate shows the exact same date of XX/XX/XXXX that payoff was applied. They also show fees of {$1100.00} in their online transaction history on my account that the rep could not explain to me. I simply want my overpayments and product refunds sent to me and not kept dishonestly by TD Auto Finance. TD Auto Finance has yet to send me or my credit union the title for our car after payoff as well. Rep became very rude and defensive when I demanded an explanation of how funds were applied to my auto loan which really upset my husband & I. She asked us what exactly we did not understand whereas it was this rep that was not understanding how a per diem worked and a product refund worked on an auto loan. This is just not acceptable and we as consumers are out several hundred dollars that they can not explain to us. Feel free to reach out to us for further info including account numbers, etc. We are happy to provide any documentation needed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-01
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am complaining about SPS because they did not properly respond to the debt validation letter I sent. The ceo of SPS did not respond TILA recissionni sent. XXXX XXXX did not respond to the TORT letter I sent. All of these letters were sent XX/XX/2019. The three letters were ignored and my house was put in foreclosure. I would like for SPS to stop the XXXX sale date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Chase Bank In accordance with the Fair Credit Reporting act this creditor has violated my rights under 15 usc1681 section 602 states, I have the right to privacy. Under 15 usc 1681 604A section 2, a consumer reporting agency can not furnish an account without my written instruction. IN XXXX XXXX XXXX, there was a company illegal using my business account at Chase Bank which caused the account to close. This caused issues for me in the past with other banks i told them of the issue and they refused to solve the issue there are several reporting issues on my consumer report which caused me to be denied a business account therefore unable to create payroll.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
XXXX XXXX Bankruptcy Court of Virginia docted bankruptcy XXXX XXXX. XXXX XXXX was violated by Truist bank auto department XXXX XX/XX/2023. When I woke up, i found out they stole my car without due process or without court order. It ruin my life and my family. This is violation to federal statute. 

XXXX ( Truist auto account ). 

XXXX XXXX XXXX in Virginia XXXX holding my car property

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 2022-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX : XXXX XXXX XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXX  XXXX XXXX Balance : {$3900.00} XXXX  XXXX XXXX Balance : {$290.00} XXXX XXXX Balance : {$19000.00} XXXX  XXXX XXXX {$0.00} XXXX : XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXX XXXX XXXX {$3900.00} XXXX XXXX Balance XXXX {$19000.00} XXXX  XXXX XXXX Balance : {$460.00} TransUnion : XXXX XXXX  XXXX XXXX {$3900.00} XXXX XXXX Balance XXXX {$19000.00}

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 2022-05-17
Company: Experian Information Solutions Inc.
State: VA
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:
Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : Experian : XXXX XXXX XXXX XXXX XXXX Balance : {$4700.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX Balance : {$290.00} XXXX XXXX Balance : {$19000.00} XXXX  XXXX XXXX {$0.00} XXXX : XXXX XXXX XXXX Balance : {$4700.00} XXXXXXXX XXXX XXXXXXXX XXXX {$3900.00} XXXX XXXX Balance : {$19000.00} XXXX  XXXX XXXX Balance : {$460.00} XXXX : XXXX XXXX  XXXX XXXX {$3900.00} XXXX XXXX Balance : {$19000.00}

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 2023-06-13
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: HOMESTAR FINANCIAL CORPORATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I submitted my loss mitigation package via email on XX/XX/22 and on XX/XX/22 I received a letter dated XX/XX/22 stating that my application was incomplete and that I had to fill out a printed copy of the application and mail it in. I already spoke to an agent about the costs of gas and printing and how I could not afford to mail a hard copy and the agent reassured me that I could fill out the pdf version of the loss mitigation packet and email it. Now the lender is not honoring the packet. 

I called my lender on XX/XX/22 to verify the status of my loss mitigation application and the agent could not verify the status ( if they received it or not ), but kept asking me if I wanted to pay over the phone with him. I kept telling him I did not have the funds to make a payment and to please stop asking me, but the agent kept asking me if I wanted to make a payment. The agent even asked me if I was refusing to make a payment, which made me ask for his manager. The agent never got his manager and refused to assist me. 

I believe this lender is purposely pushing people into loss mitigation by lying about the process of paying back the deferred amount. The lender made it seem like all I had to do was call back and be placed on a forbearance plan, but now that the entire balance is due, nobody in their company knows how to help me. 

I have already submitted my application and called to verify they received it and have gotten no assistance, so I am reaching out to you..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: LEXISNEXIS
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Most recent correspondence received from LexisNexis dated XX/XX/2022 stating unable to authenticate. I have mailed 4 separate certified letters containing my driver 's license, social security number, proof of address and identity theft report. LexisNexis returns an " unable to authenticate '' letter each time. They have not and will not initiate the dispute I have requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX  Acct # XXXX and XXXX XXXX Acct # 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 2021-10-13
Company: R & B Corporation of Virginia
State: VA
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:
Notice be it to all in Fact, I am a federally protected consumer pursuant 15 usc 1681 ( a ) ( 4 ). Notice in Fact, I have never signed a contract or a PROMISSORY NOTE WITH CREDIT CONTROL CORP. Notice in Fact, I believe this company to be a 3rd party debt collector. As such I demand to see a receipt of purchase giving CREDIT CONTROL CORP legal jurisdiction to collect any alleged debt they may claim I own past present or future. Pursuant 28 usc 8 ANY and ALL certificates of indebtedness and or bills are the obligation of the United States not the consumer. These accounts being reported on my consumer reports are a clear violation of XXXX usc 1681b as I have never given my written or oral consent for these items to be furnished. This violation is punishable of {$1000.00} per violation pursuant 15 usc 1692k. I DEMAND that these items be removed from my consumer reports OR send me a check certified mail for every minute that each item has been on my consumer reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation