BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-22
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I had financed my car through a small loan company in XXXX TX. This co was purchased by XXXX XXXX XXXX XXXX in XXXX XXXX TX, this company has officies all over the USA. In XX/XX/2019 they demanded that I pay them a large sum of money and I explained I did not have the amount of {$570.00} if i remember correctly, the mgr lady said she would try for a modification if i paid. She deposited that check that day, and it was visable in my bank account that day, i called my bank and explained that i had told the company not to cash the check, my bank reversed the payment. XX/XX/2019 they sent a repo guy to take the car, never advised me so I could remove the personal belongings mainly my XXXX etc, The call went to the repo dept, never talked to anyone, i did leave my number to call me. no calls was returned. I began looking for a car to drive and found on at a dealership. I purchased that car and notified my ins carrier. I recieved my payment schedule on the auto policy, it was over {$400.00} per month, I called my agency and was told that this was due to an accident and claim filed on that car, I had no accident nor did I file any claim. I called the XXXX XXXX XXXX numbers but got a run arouid about where the car was. After numerous calls I gave up and began working on my ins co for paying the claim on that car, finally reached the reginal mgr in the XXXX area. I explained what had happened and he removed the claim from the ins co data. That brought my payments back to normal. This past month I had to get a new policy and a couple of agencies asked about this claim, was able to obtain a policy through a local agency and payments reasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
Company: EQUIFAX, 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:
After reviewing my credit profile I notice unauthorized inquires on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: American Credit Acceptance, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I Consumer XXXX, XXXX, XXXX entered into a Consumer Credit Transaction with American Credit Acceptance on XX/XX/2019 I use my credit card as defined under 15 usc 1602 ( I ) The term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. The credit card i use is my Social security card. And there was a finance charge involved as defined under 15 usc 1605. American Credit Acceptance then took my credit and got a loan and being to violate 15 usc 1692e. Because they falsely represented the STAUS of debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16
Company: M&T BANK CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
On XX/XX/2018, my sister had a XXXX XXXX  her from talking or moving. A power of attorney was granted to me, XXXX XXXX XXXX, XXXX XXXX  in XX/XX/XXXX of that year. The power was notified before my sister had completed the XXXX ( XXXX XXXX ). She was judged to be competent by her physicians. I forwarded this with a request by M & T bank to change the address so that I could pay the account. They refused to honor the power of attorney and would not discuss the reason. My sister was undergoing XXXX treatment and I was personally trying to straighten up her bills. As a result, M & T bank was paid {$3300.00} on XX/XX/2018. M & T bank would not send me a bill or statement. On XX/XX/2018, my sister died and I forwarded M & T Bank a copy of the death certificate and my appointment as Administrator of the Estate. The only bill I could find from M & T bank continued to show a balance and it was repaid again. M & T bank has refused to discuss any dertails of my sister 's account with me despite forwarded their requested information. After 3 phone calls and another forwarding of documents, I finally was asked to personally deliver a copy of the death certificate and my appointment as Administrator. I took pictures of the event. Now two weeks later, M & T bank which has closed the account because I notified them of my sister 's death have collected the debt twice, they still refuse to give me any information, they claim that they hold any excess payments for two months even on closed accounts, and they hold an excess {$2700.00} paying no interest and refuse to add a forwarding address which I have requested. Any excess payments they say will go to the address of the old record, which they will forward to a branch for pick-up should it be returned. The account was in the name of XXXX XXXX XXXX, XXXX, XXXX. XXXX XXXX, XXXX, Pa XXXX last four of thye account XXXX. I don't have the complete account number.

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 2021-03-19
Company: SYNCHRONY FINANCIAL
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On Thursday XX/XX/XXXX, attempted calling XXXX XXXX XXXX XXXX XXXX, who apparently owns my alleged {$830.00} debt with GE Money in order to get more information, confirm the debt is mine, and pay it. I was informed that if I called again, it would be considered harassment, and to not call again. I'm not exactly sure how I'm supposed to pay a debt with XXXX XXXX XXXX XXXX XXXX when calling them is apparently considered harassment.

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 2022-07-05
Company: NAVY FEDERAL CREDIT UNION
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On the XXXX of XX/XX/2022, I received a check for 1 month of work from a man whose house I cleaned. The check was {$960.00} which I thought was a strange amount but disregarded the leary feeling because my boyfriend had also done outside work for him. 

I mobile deposited the check and instantly got {$250.00}. I used that money to pay on my credit cards and get some gas. Navy Federal held the remaining funds for I believe 5 days. I've never had my funds held for more than one day, even over the weekend. Then again, I had never accepted a personal check from anyone other than my grandmother. When I deposited the check in my account on the XXXX my checking was overdrawn by - {$100.00}. XXXX XX/XX/2022 my checking account was at + {$180.00} and my savings account had {$200.00}. 

You can imagine my horror when I logged into my account and had adjustments which brought my checking account to - {$780.00}. I talked to two ladies at Navy Federal. They said all I could do was continue to attempt to contact the guy because his account was now closed. I've called and called, I've gone to the house, and it's now empty. The Navy Federal lady said that my account would be eligible to close by XXXX XX/XX/2022 which was about 6 weeks away by then. Having had this credit union for 6 years now and maintaining a 100 % payment history I was extremely worried about losing my oldest account. I agreed to try and make as many payments on it as possible while being unemployed. She told me she would make note of that so that I wasn't harassed by phone calls from Navy Fed. They didn't call again after that whatsoever. I didn't receive an email or anything. I checked my account on XX/XX/XXXX and no longer had my checking account, instead, I now have a combined savings/checking account. I can not get a new checking until I pay off the debt that they took away. The same day this happened I got a {$600.00} payment from the state of Oregon. I knew that payment was coming and had planned on putting the entire amount towards my overdrawn account. Now I don't even have the option to pay towards a positive balance and I can only send money to another Navy Fed account holder The {$200.00} from savings brought my checking to - {$430.00} but not until Navy Federal closed my account without as much as an email. I wasn't alerted in any way that this was going to happen and just now discovered that I owe closer to {$400.00} than the {$700.00} I had thought. I was under the impression that since I had been making payments my account would still be considered in good standing. I'm disappointed with the lack of communication. Navy Fed has always been very good to me but now I'm second-guessing my membership.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
There are some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report . Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : US DEPARTMENT OF EDU State inquiry occurred on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX that occurred on XX/XX/ and there is XXXX that occurred on XXXX 
The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home.

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 2023-08-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is Several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review these accounts ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the following incorrect information on my credit report. 

XXXX XXXX XXXX XXXX Balance : {$4500.00} ; ATTYGENERL XXXX Balance : {$4500.00}.

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 explanation
Consumer complaint received 2021-03-18
Company: PNC Bank N.A.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have incurred numerous unauthorized subscription and membership charges from XXXX from XXXX to XXXX, totaling to nearly {$500.00}. I cancelled these plans on multiple occasions, for which these charges were generated but they continued to be automatically reinstated, thereby resulting in unauthorized transactions to my card. 

A few of the various subscriptions & memberships that I was charged for include, but are not limited to, the following titles : XXXX Membership, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, etc ... 

I reached out to my bank to try and resolve this issue but by the time I'd recognized these charges, the deadline for filing a dispute had passed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The property address mentioned above was foreclosed on XXXX XXXX, XXXX and Charged off by XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX was the first lien-holder and tried twice to participate in a short sale, but XXXX XXXX XXXX refused twice ; therefore, the home went into foreclosure. 

We made numerous calls to XXXX XXXX XXXX who told us the home was charged off and we did n't owe anything. Then we received notice from NationStar saying they had the loan now. We disputed the validity of this debt. MationStar at one time agreed that XXXX XXXX XXXX should have never sold this loan to them, but then started charging us the regular monthly payment amout of {$620.00} which has significantly increased this debt. And now NationStar is selling this disputed debt to XXXX and the debt amount has doubled from the original debt amount. 

Additionally, this property was part of the National Federal Class Action Lawsuit against the XXXX banks ( including XXXX XXXX XXXX and XXXX XXXX ) that foreclosed on homes and should not have.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04
Company: SYNCHRONY FINANCIAL
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The telephone number is XXXX. The message is " This is a message from Synchrony Bank regarding XXXX. Please return our call to XXXX. For faster service visit our websire a mysynchrony.com. Our mailing address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Utah XXXX. Again please call XXXX. This is a recording. Thank you. '' There is another telephone number with this same message. It is XXXX. This one requests I give the last four digits of my social security number. I do not do this.

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 2023-08-29
Company: Experian Information Solutions Inc.
State: TX
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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3200.00}.

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 explanation
Consumer complaint received 2022-03-02
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I SENT IN MY DISPUTE LETTERS ALONG WITH FTC REPORT. 
THE INFORMATION ON MY REPORT WRONG.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: Winklevoss Exchange LLC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I sent a wire to XXXX on XX/XX/2021 for {$21000.00}. The wire was never accepted by the bank from my account at XXXX XXXX XXXX XXXX. I have reached out to both my bank and JPMChase and the business that received the money Gemini Trust Company LLC. My bank told me that the wire has already been sent and received by Gemini Trust Company LLC. I have the XXXX and XXXX numbers to prove and show the transactions. I have been told that Gemini Trust Company LLC has already switched banks to a new account. But that was after the wire transfer had been completed. So that shouldn't be the issue anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: Source Receivables Management LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This original creditor was XXXX, which I reported this account with fraud department and all debt was deleted and was told by sprint that this debt was not owed. the account was some how purchased to diversified ( collection agency ) I provided diversified with all information that XXXX provided me that the account was fraud and was deleted from my credit report, since diversified was unable to collect on a fraud account they sold this debt to SRM ( Source RM ). I have provided SRM with all information and they have yet to stop sending debt letters and have this fraudulent debt removed from my credit report, I have sent letters to cease all phones calls and ask that this account be removed from my credit report. I am now making a complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
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:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2018-06-28
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: Old information reappears or never goes away

Complaint:
My husband add me like an authorized user without my permission to his XXXX bank credit card. When I realized it, I called and bank delete me like and authorized user BUT still report to all credit agencies like I am still on his account and it hurts my credit score enormously! As my husband has missed payments, etc. But I have nothing with his financial problem as I just recently moved to the USA and do not want to suffer from this false information! I called 2 times to XXXX bank and they confirmed that do not see me more as an user but they do not know that to do to eliminate all false info from credit agencies! Please help me to solve this 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 non-monetary relief
Consumer complaint received 2019-03-26
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have received numerous - hundreds, if not thousands of calls from this company. I recently pulled a credit report and attempted to pay the debt. They refused to provide information and now they have told me they refuse to speak to me, or to provide information on resolving the debt unless i obtain a lawyer. I have attempted to send them payment to resolve the debt and they are refusing to provide information on the debt amount, and payment remittance address. The service reps have repeatedly been disrespectful, demeaning and down right rude. I requested a letter that they would remove the debt with payment in full, they refused and sent me to a website with generic information. The service rep - XXXX XXXX then stated " I dont really care about your debt of {$700.00} as much as my job and I will not help you with your problem anymore ''. Absurd tactics from this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-18
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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