BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
SECOND REQUEST I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX   breach as well.

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 2019-09-09
Company: VALLEY NATIONAL BANCORP
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
XXXX XXXX is a XXXX a lying XXXX this bank treats me horibke doesnt address any of my concerns that I have Im unable to open an account and they refuse to tell me why I hate them they give me a hard time both online and in the branch garbage people

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: Experian Information Solutions Inc.
State: OH
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:
This is account is reporting inaccurate information XXXX XXXX/XXXX # XXXX on Experian, XXXX, XXXX. 

On XXXX  reporting Exceptional History not late payments ; however reported as a Charge-off ... On XXXX  reporting as " Unknown Payment History Charged-off as bad debt ''. Reporting on Experian with incomplete payment history and as Charge-off with a balance. 

Please remove this account as your violation of the Fair Credit Act 611 as this 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 2021-10-04
Company: AFNI INC.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As a ( natural person ) federally protected consumer, I XXXX XXXX never enter any consumer credit transaction with AFNI INC for them to have obtain my personal information. With AFNI INC obtaining my personal information without my consent they are in fact in violation of 15 USC 1692 for infringement upon my consumer 's right to privacy and they have also committed fraud and identity thief for purchasing my personal information. AFNI INC also in violation of 15 USC 1692j for furnishing deceptive form making it seem like I owe this allege debt when in fact I don't.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
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:
I have several hard inquiry that I did not authorize. There are a few dates that have multiple hit all on the same day. I will attach an XXXX sheet that has the inquiry that I am complaining about. I has a list of the inquiry in question the date and the company that is reporting them.

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 2019-09-09
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I submitted a Second written request in writing to Experian, to have a copy of the original creditors documentation on file to verify that this information is mine and is correct in the results of the first investigation. and I have have not been provided any original documentation under Section 609 ( a ) ( 1 ) ( A & Section 611 ( a ) ( 1 ) ( A ) by mail, I continue to receive emails the last email was on XX/XX/2019 from the Experian credit bureau that the account have been updated and verified. with no proof of documentation. to the below accts 1 ) XXXX XXXX XXXX {$590.00} 2 ) XXXX   XXXX XXXX XXXX {$810.00} 3 ) XXXX XXXX XXXX XXXX {$970.00}

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 2018-06-15
Company: Diversified Consultants, Inc.
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I found that Diversified ( listed as a collection on my credit bureau report is reporting and unpaid debt which they have listed XXXX as the original creditor. The debt is not mine. I never received proper notification that the debt was validated by XXXX XXXX. I never received notice that I have the right to dispute the debt. I never received notice of what it comes from or why Im being billed {$110.00}. I had a long relationship with XXXX and never had any outstanding debts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-15
Company: Southwest Credit Systems, L.P.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I want to file a complaint against, SOUTHWEST CREDIT SYSTEMS, LP. XXXX XXXX XXXX XXXX, XXXX XXXX Re : Acct # XXXX, and THE COLLECTION FIRMOF XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Account # XXXX. The claim I owe {$700.00}. 
On XX/XX/2018 and XX/XX/2018 I wrote and sent certified letters to XXXX XXXX regarding Acct # XXXX. ( See Attached letters ). After finding out about this negative accounts on my credit karma account I submitted the validation letters to SOUTHWEST CREDIT SYSTEMS, LP. They removed it from my credit report but now I received a letter from THE COLLECTION FIRM OF XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Account # XXXX, and they are calming I owe {$700.00} for them. I honestly feel like I didnt get what I requested and its just getting passed around. 
They have failed to satisfy my request and validate the debt they claim I owe them. This is drastically affecting my credit and I need help taking care of this matter. 

Thank you in advance XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
This is the complaint against Bank of America rewards credit card ending in XXXX in the name of XXXX XXXX. 
Id like to inform u that the bank is constantly imposing late fee and interest charges even though the payments were made in full without leaving any balance behind. During this whole year ( XX/XX/XXXX to XX/XX/XXXX ), Bank of America has imposed charges for {$28.00}, {$69.00}, {$110.00} and {$120.00} which makes a total of {$330.00}. These charges were imposed after the payments {$270.00}, {$220.00} and {$230.00} were made consecutively. 
I tried to speak to a lady over the phone, but she started yelling and screaming and not listening to what I was trying to say. So Im here requesting u to resolve this issue. Id really appreciate if u could resolve this issue by removing the unnecessary charges of {$330.00}. 
As a XXXX American, I have been facing XXXX  discrimination every time I visit Bank of America.

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 2018-06-15
Company: Lending Club Corp
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have a loan with LENDINGCLUB CORPORAT. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and LENDINGCLUB CORPORAT with no successful resolution. XXXX, XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
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 a loan with ONEMAIN. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and ONEMAIN with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days lateXX/XX/XXXX and XX/XX/.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: TRANSWORLD SYSTEMS INC
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I pay all of my medical bills via XXXX XXXX and I paid the medical bills for my XXXX XXXX  in full in XXXX of this year. I have reviewed all of the bills I receive in XXXX and all are paid in full. 

I have received an attempt to collect a debt of XXXX now from a debt collection agency. I have never received a bill for this amount, and have done nothing with this XXXX XXXX XXXX of XXXX since XXXX of this year -- and that debt was paid in full at the time of service. 

Attempts to request information both from the XXXX XXXX XXXX of XXXX and the debt collection agency have gone unanswered.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: WELLS FARGO & COMPANY
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I tried to transfer XXXX, XXXX & XXXX to my XXXX XXXX XXXX XXXX account from Wells Fargo account and Wells Fargo keeps completely lying 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 2018-06-15
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I rented an apartment from XXXX XXXX from XX/XX/XXXX- XX/XX/XXXX. 
My apartment was located next-door to the superintendent of the property. I went away on vacation on vacation in XX/XX/XXXX. I came home to find that there was a hole drilled into the wall in the closet under the stairs with a white cable wire going through it. 

I called up XXXX XXXX on XX/XX/XXXX to notify them of the incident. XXXX XXXX stated they would look into it. I was disturbed XXXX XXXX 's lack of response regarding this matter. I was very upset that an employee who is their superintendent would use his key to gain entry to my home and drill a hole into the closet in order to gain free access to my cable television. 

My wife and I had XXXX small children ages XXXX and XXXX XXXX old. My wife and I no longer felt safe in the apartment. In XX/XX/XXXX we informed XXXX XXXX that we did not feel safe after their employee unlawfully entered our home without prior permission and stole our cable services. 

I took pictures of the holes drilled into the wall and the cable wire which were sent to XXXX XXXX Corporate office. XXXX XXXX kept our security deposit and come to find out 5 years later they filed a judgement against in the amount of {$10000.00}. I never received any notification from XXXX XXXX regarding the judgement. I Spoke with XXXX XXXX prior to me vacating the apartment. 

I tried to contact XXXX XXXX requesting back up documentation for the alleged balance they claim I owe them.

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 2019-09-09
Company: I.C. System, Inc.
State: SC
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 a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

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 2018-05-14
Company: Fidelity National Information Services, Inc. (FNIS)
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 am a victim of identity theft. I have previously disputed items within the ChexSystems report and I have now received responses to my disputes from ChexSystems. 

In the responses to the disputes ChexSystems acknowledged that they received a copy of the police report I filed, however they said they could not use the police report because the information stolen could not be used to open bank accounts. 

The police report states that the items stolen from my office include : my social security card and my passport which includes my date of birth. ChexSystems is not correct when they have stated that the police report was not sufficient. 

ChexSystems continues to report addresses on my ChexSystems report that are not mine and do not belong to me and that I have never lived at. Being in the middle of identity theft and is hard and ChexSystems is making it much harder to prevent further security threats to my identity by continuing to report addresses that do not belong to me. I have now filled out an FTC affidavit of identity theft and have listed all the addresses on the affidavit that are not associated with me. 

I wish to dispute the following addresses on my ChexSystems report due to fraud : All variations of the following addresses are incorrect and should be removed. 

XXXX XXXX XXXX XXXX XXXX, Texas ; XXXX XXXX XXXX XXXX, TN ; XXXX XXXX XXXX XXXX, TN ; XXXX XXXX XXXX XXXX, TX ; XXXX XXXX XXXX, TX  ; XXXX XXXX XXXX XXXX, Texas ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas If any of these addresses were reported to ChexSystems by a financial institution that financial institution did not have my authorization to view, access or update my ChexSystems report and thus ChexSystems may not use that as a reason to keep reporting the incorrect information. 

I am also disputing the following inquiries that are appearing on my ChexSystems report and were not authorized by me : XXXX XXXX XX/XX/XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX I have previously disputed the inquiry from XXXX XXXX XXXX XXXX XXXX XXXX - date XX/XX/XXXX. I disputed this directly with XXXX who told me they were requesting a removal from my ChexSystems report but it is still being reported.

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 2018-05-14
Company: AFNI INC.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
AFNI, Inc. sent me a collections notice. This debt does not belong to me. By law, a debt collector is required to validate that this debt is mine ( via a contract ) before they can report the debt on my credit report. Because this debt is not mine, I know these procedures were not followed and is causing unjust harm to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I've had issues with Citizens Bank in the recent past. I don't understand why the math is always miscalculated in the banks favor, other than my belief that this bank taxes Customers who are living in poverty. On XX/XX/2018, J made a purchase at XXXX ( online ). While the order was shipped on XX/XX/XXXX, Citizens shows it as a sale on XX/XX/XXXX. I still had {$21.00} in my checking account. Fortunately, I was able to start using credit cards to keep afloat. However, my bank has charged me fees on not having the money in my account that should in fact still be there. I've been charged " fees '' of {$95.00}. However, I'm allegedly {$120.00} in the red. That leaves {$25.00}. {$21.00} is what the " magic math '' reads on my ledger on the Citizens App. I'd like not only my account brought back to good standing, I'd like a full refund of the {$120.00} they will take from tomorrow 's direct deposit paycheck. And, if legal- I'd like them to pay ME a fee for this hassle. {$35.00} would suffice. Thank you for your time and assistance. Please have a beautiful weekend.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: Mobiloans, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I had a emergency my mom passed I needed a loan to help with services and this company I borrowed {$1000.00},, XXXX every two weeks and what ever your balance they added a finance charge of XXXX every time you make a payment so you would be able to pay loan down and I didnt understand this process so on XX/XX/2019 I got laid off my job I ask this company can I please be placed in a payment plan because I dont have income and I dont want anything negative on me so I am asking to be place on a plan they said they dont have a plan and I have to make away and pay the note every two weeks or the finance fee will continue till you 60 days late and it will become a charge off and you  will have a negative impact on your self I couldnt believe they wouldnt help the customer its not my fault that a company laid off the entire department, I am looking and going on interviews I am so stressed trying and hoping I get a job soon, I can not pay these people what they want! All I ask is for a payment plan and my other creditors offered me a payment plan and its so much better till I get back on my feet,, please help this is terrible.

Company response to consumer: Untimely response
Consumer complaint received 2020-02-03
Company: Penn Credit Corporation
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
DMV in Texas does not have my apartment number listed on my registration, despite me showing proof of residence with my lease. Toll bills have not been sent to my mail. Signed up for XXXX and was assured my account was clear as that was they only way they were able to add my license plate to the account. Received a letter in the mail from Penn Credit Collections company with the apartment number listed. I never received ANY toll bill in the mail, therefore, could not pay the original bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: LEXISNEXIS
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have an court order eviction I've never knew about coming up on XXXX but it doesn't show on XXXX or XXXX, because I have XXXX XXXX I know exactly what is on there and I've rented many property 's since 2015 and never had a problem getting into a place and that's exactly why I never knew my old landlord was trying to file a property of possession against me .I need to get this disputed right away because I've been on a waiting list for 2 years or longer for an affordable housing apartment and I'm next on the waiting list for a 2 bedroom for me and myself and kids, this is why I found out that this eviction is on my credit report because they use XXXX to run credit and not XXXX or XXXX so this is the only reason why I now know about it .I have until monday to fix this and get it off my credit so I'm not skipped and be put back on the waiting list again .if you can please help me with this issue I would appreciate it very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: HYUNDAI CAPITAL AMERICA
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My car pyt was paid on due date of XX/XX/XXXX and cleared my bank. The Hyundai Motor Finance online shows my XXXX pyt as late and I have called them twice to complain. They say it is a computer klitch and they cant fix it. I said I dont want my credit report affected by this and they said they couldnt control that. I have never been late with any payments and I dont want my credit affected by 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 2020-05-12
Company: EQUIFAX, INC.
State: TN
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:
Yes I Was Working On My Credit Report and I ask them to show me Accurate information that i went Through with the Bankruptcy Process. and I sent All My Documents and show my proof and they, Failed To Remove it off my Credit Report.

Company response to consumer: Closed with explanation