BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-12
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have disputed the late payments XXXX XXXX,  XXXX XXXX XXXX accounts for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP

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 2017-07-12
Company: SECURITY FINANCE CORP
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The car was a lemon When it was first brought they would not let my mother return the car. After a month the check engine light came on the car starter altnator and kept running hot after fixing the car numourus times. PFS than said to Voluntarily Deposed it. That 's the only way they will sell it back .The car was than sold in a auction but bc of it bring a lemon it could not get the full amount on it which was never my fault

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 2022-02-15
Company: Experian Information Solutions Inc.
State: FL
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: Other problem getting your report or credit score

Complaint:
My credit score with Experian was XXXX and now it is XXXX. I tried contacting them to find out why my score dropped. I have not applied fir any credit. It is very hard to reach this company by telephone. I need to know why my credit score decreased. This is causing me a problem finding somewhere to live. Why did my credit score decrease on XX/XX/2022? 

I am submitting this complaint with my former address that was used at the time I registered with Experian. I am XXXX  at the present time due to landlord, XXXX XXXX deceptive business practices and gross negligence.

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 2018-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I've made several attempt to dispute the bankruptcy showing on my reports to XXXX  but to no avail. I contacted XXXX XXXX the reporting company for XXXX  and they indidcated the Bankruptcy in XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX that was claimed to be filed was removed and XXXX  has fail to update or refresh their records. According to XXXX XXXX, those bankruptcy should not be showing on my credit report. I've also reached out to the bankruptcy court who informed me that XXXX  has not contacted them for any information.

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 2017-07-12
Company: TCF NATIONAL BANK
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I 'm trying to use an app on my XXXX called XXXX XXXX and I just need the approval from the bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
During XX/XX/2021 my debt card and information was stolen from me and a check of {$9000.00} was put into my account I called pnc to dispute this charge, when I contacted the company they told me I would not owe no money back because it wasnt me now I am getting mail from debt collectors on the behalf of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: Debt Recovery Solutions, LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account XXXX XXXX XXXX XXXXXXXX balance {$1900.00} has just popped up on my credit report without ever communicating to me. This company is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my credit karma and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before.If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely.To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING.The Federal Trade Commission recently took action against a Missouri collection company and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX director of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethically acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to an fdcpa lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: Receivables Performance Management, LLC
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:
Debt was disputed with Receivables Performance Management, dispute is attached. Receivables Performance Management received dispute on XX/XX/XXXX, proof attached. 

I have yet to receive any response from Receivables Performance Management. 

Pursuant to XXXX XXXX XXXX, when a debt is disputed all collection efforts must cease. Receivables Performance Management, is still communicating with me indirectly about this disputed debt through the medium of my consumer report Unverified debt to a CRA qualifies as a collection of the debt, ... .. Any subsequent reports to the CRAs violates 1692g ( b ) [ Semper v. XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX ] Reporting a disputed, unverified debt to a CRA violates this [ XXXX v. XXXX XXXX. XXXX, XXXX XXXX XXXX Fed XXXX Appx. XXXX, XXXX ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: ACE LENDING GROUP, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX As a young XXXX female, purchased my first home I felt discriminated against and I believe I was overly scrutinize because I am a minority The level detail and question that I am experiences were beyond the norm. For example without knowing my responsibility or merit question why a company would paid my current salary automatically assume that I was not worthy. I believe if I was white male that wouldnt have been question. Also asking me pacific question about the company owner ship even thought I let them know I am only a employee there. When I suggested them to call company owner they refused to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
Company: Navient Solutions, LLC.
State: OH
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:
I called Navient in order to apply for a income based deferment on the loans that they are servicing. While on the phone I inquired about the Public Service Forgiveness programs offered by the government. The agent on the line started asking me a serious of verification questions and the next thing I know I am getting an email stating that my FSA ID password had been reset. As things continued she then informed that there is a {$690.00} fee to enter into the program. Which I know to not be true as the program is free to enter for those that qualify. The agent had told me she was checking in the Fed database to see what my loan amounts were and what my payments in that program would be, but she never told me that she was resetting my actual account password so that she could enter my account. Now she continues to call me at all hours of the day trying to get me to apply for he program through Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
To XXXX XXXX XXXX AS TRUSTEE Attn : LEGAL DEPARTMENT Address : Unknown Ref. : XXXX XXXX XXXX Acc # XXXX NOTICE TO DISCLOSE INFORMATION This letter is a formal request under Fair Debt Collection Practices Act ( FDCPA ) to XXXX XXXX XXXX AS TRUSTEE to disclose the following information regarding the loan account # XXXX : 1.- Default date of Loan 2.- Proof that status of Limitation has not expire 3.- XXXX XXXX XXXX as Trustee 's Headquarter address and agents, all information, but no limited.
Since Bank of America and XXXX XXXX XXXX has refused or failed to provide the requested information or released the loan.
We ask to the Consumer Financial Bureau ( CFPB ) to open a judicial complain against Bank of America and XXXX XXXX for Fraud and its criminal involvement in Mortgage Fraud, Wrong Foreclosure, forge assignment and misrepresentation and conspiracy to steal.
We acknowledge that Bank of America is XXXX XXXX XXXX AS TRUSTEE.
Solution Release the Loan and return all payment collected since 2006 Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Wells Fargo closed a business partnership account without calling me and I had emailed, called and went to the XXXX CA location requesting to close this account and they told me no. Then after I filed 2 police reports that the business partner had stolen from me they continued to allow withdrawals and even allowed the business owner to close the account when the denied me the opportunity. The other business owner was obviously made to send me 1/2 of what little bit was left in the account via a cashiers check. I have yet to cash it because I am not excepting this by no means. I feel like Wells Fargo is fully responsible and they should not only refund me the 1/2 of the cashiers check, but the months of debits made by my business partner because I had reported it to them and they did not allow but allowed her to close it for whatever reason. I have went in and called to complain with numerous emails and not one person has reached back to me with a response.

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 2017-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX use my identity and share my information with another person and there is 16 unauthorize hard inquiries on my credit report.My credit scores is around 500. 

Also Transunion and XXXX has n't deleted the negatives of unauthorize hard inquiries and negatives after Bankruptcy chapter XXXX on XX/XX/XXXX it was discharged on XX/XX/XXXX by Federal Judge.

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 2022-02-15
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My card was used and XXXX was taken out of my Chine card with out my knowledge in XXXX I live in upstate ny. I called immediately after to try and see what was going on. I was told to wait a couple days until The atm purchases were approved. I have never heard of atm withdrawal pending. Then I can dispute the charges. After they did a investigation '' and this morning at XXXX you concluded there was no fraud. I provided a police report of a previous incident in which my credit card was used in XXXX  last year. I requested a full refund refund and was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have previously submitted several complaints with each bureau due to their lack of investigation or none AT ALL. At this point each bureau is in extreme violation and I am keeping stellar record of this and will be taking legal action if not resolved with a consumer attorney. Please refer to the previous disputes filed under complaint number XXXX XXXX XXXX XXXX XXXX XXXX XXXX smart sales and XXXX XXXX and experian is reporting different last active dates which is causing this account to re-age and this is a major violation and its being ignored. This needs to be removed immediately. 

XXXX or XXXX XXXX has not even been investigated AT ALL removed this are face legal action. Remove immediately. 

Please consider this my written authorization and attached is proof of my identity.

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 2017-09-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I sent Bank of America a payment for XXXX that is still missing. They also told me they would not charge me cash advance fees during this process. They are useless and have not resolved either matters

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-15
Company: Capio Partners, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-15
Company: Navient Solutions, LLC.
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Navient is trying to collect payments for XXXX and XXXX, 2022, while my loan has been transfered to XXXX, where no payments are due until XXXX, 2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My Bank of America debit card was stolen in the mail, activated by someone other than myself, and used to withdraw {$1000.00} and accumulate an additional {$8.00} in ATM fees over the course of two days ( XXXX XXXX and XXXX ).
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This was my initial card received and Bank Of America has done nothing to help this fraudulent activity. During the appeal process I asked that Bank of America not send any more personal information to my address, they agreed but then proceeded to mail the information rather than email as I requested. Bank Of America has been completely unhelpful in the situation.

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 2017-12-30
Company: Bread Financial 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 status incorrect

Complaint:
Hello, My name is XXXX XXXX and I currently have a credit card with XXXX XXXX. Back in XX/XX/XXXX I paid off the entire balance and have never used the card ever since. About a month and a half ago, I received an alert from XXXX XXXX that my credit score dropped, I was horrified - I checked and found out that I have a delinquent payment for XXXX dollars plus a late fee of about XXXX dollars, I thought someone was assuming my identity since I knew that I had a XXXX balance. I called XXXX XXXX immediately which was about 2 months ago and asked about the charges, upon review it was noted that the company made a mistake and billed me for fees erroneously. I asked about what will happen to my credit report and was told that in 30 days it will be corrected. Till today, this is still on my report and to every time I call to report to XXXX XXXX over the phone I am told that I need to be the one to petition a removal from my credit report. Please help me with this situation because I feel helpless and with my credit score falling so low, I dont think I will be able to get a car like I had planned because of my score. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over XXXX months.

Company response to consumer: Closed with explanation