BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-03
Company: Professional Debt Mediation, Inc.
State: AZ
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:
Professional debt mediation has reported a {$1400.00} delinquent account on my credit report on behalf of XXXX XXXX XXXX XXXX in XXXX, GA. When I moved into these apartment homes, the community was brand new - as were all personnel in the front office. The lease that I signed required a 30-day lease non-renewal notification. However, after signing my lease, the front office staff added a cover page to the lease which I was never shown and I never signed. This new cover page stated that the lease, instead, would require a 60-day notice of non-renewal. Having received no notification of this policy or the fact that the front office staff planned to hold me to their 60-day cancellation policy without ever providing it to me, I provided the required 30-day notice that I did not intend to renew my lease. After informing me that they planned to charge me one months rent for failing to provide adequate notice, XXXX XXXX then provided me with a copy of all leasing documents they had on file for me, which are attached to this complaint. As you can see, the cover page that was never provided to me is unsigned by me. Instead, the lease that I DID sign clearly required a 30-day notice, which I provided and was accepted by the community management. See paragraph 6, circled in green. This is nothing less  than fraud by a predatory management team who was clearly incapable of doing their job correctly from the beginning. Their flaws, however, are not my fault, and I refuse to pay a debt which I do not owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20
Company: CITIBANK, N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Opened new CitiBank checking account on XX/XX/XXXX and funded $ XXXX using my external acount at XXXX. About a month later, Citi closed my checking account due to pending verification and transferred the funds ( $ XXXX ) back to my external account on XX/XX/XXXX. However, the external account was closed by then ( XX/XX/XXXX ). The funds were returned to CitiBank as the account was closed.Citi is unable to trace the transaction and I am still waiting/have not received the funds yet.Citi keeps saying that they have sent the funds to the external account and that they dont have the funds. The citi case # is 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 2019-11-04
Company: General Motors Financial Company, Inc.
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: Investigation took more than 30 days

Complaint:
PAYMENT HISTORY ERRORS : This complaint is regarding my auto loan financing account with GM Financial. For the last few years I have disputed this issue multiple times through each of the credit bureaus individually ( both via online/phone and by mail ), as well as once with the CFPB. Every time I have filed a dispute, the response from GM Financial has been inadequate and nothing has been resolved or corrected on any of my credit reports. 

There are still major errors on my credit reports, to which have significantly and negatively impacted my credit status. None of the credit bureaus have been helpful in properly processing my disputes and have not obtained adequate response or solution from GM Financial. My credit score is being penalized for having 6 late payments reflected on my GM Financial account, which is completely inaccurate and false misleading information. GM Financial reported to the credit burea
us that I made payments " 30-59 days late '' for the following billing months : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX Enclosed is a copy of my Bank Checking Account Transaction History Report, which verifies that I did in fact made those monthly bill payments on time. None of the above listed months were paid late. All 6 of these months need to corrected and updated to reflect that I paid those payments " On Time ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
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:
i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX, XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
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: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal 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 non-monetary relief
Consumer complaint received 2021-09-24
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX XXXX. The next door neighbor spotted 2 men in a white sedan parked in front of their house walking in front of my house and theirs checking mailboxes. The police were called and spoke to the men. They gave the police a phony story and were allowed to stay there. At XXXX I get a call at work from my mother in law that the men stole a plain white envelope from the XXXX XXXX. My mother in law asked what did they just take from you? The XXXX driver stated a plain white envelope addressed in my name that I never ordered. I found out after reading quickly through my emails the thieves XXXX over nighted a replacement chase debit card to my address. So I called Chase at XXXX XXXX  and told them what had just happened and to lock my account. All good right? No they put me on hold and send me over to identity theft department. While I'm on the phone with them for 20 minutes I watch my account in real time get debited {$980.00} at an ATM and {$8500.00} withdraw inside a Chase branch 5 towns away. The withdrawal inside the bank had a time stamp of XXXX XXXX  I was able to see that on my mobile app. This could of all been avoided if they had locked my account when I asked. So I spent 2 more hours on the phone filing 2 separate fraud claims. Filed and received a police report with 4 witnesses of these men stealing the debit card. Only to get denied the {$980.00} ATM withdrawal claim already and never received the forgery documents I have to fill out and send back for the {$8500.00} in bank claim. Also filed a claim with XXXX. I had to freeze my credit because i dont know how much info of mine these thieves have ss # number or other cards etc. The police officer who wrote the report told me he has good body cam pictures of the gentleman from the initial stop. I hope they catch these guys. Also chase never sent me a new card you would think that is automatic procedure I had to call again today and order one and my account is still frozen 9 days later so all my auto bill pays are getting declined. This has been a nightmare.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-20
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
Sent disputes to all three credit bureaus, asking for accounts to be verified, on who they spoke to, name of the person. Did not verify with no one, just sent letter back that says verified, tried to disput again, continue to receive letters stating they will not reinvestigate, even though they never provided me the information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: ALLY FINANCIAL INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I bank with Ally ( an online bank ). I made a {$500.00} deposit on XX/XX/XXXX. The check was written from a XXXX XXXX account. 
It was an electronic deposit. I have made many over the course of 3 years. The process has always been a portion of the funds are available the next day, the balance in 2 days. For this deposit, I was told by Ally that they had " confidential information that indicates the check may not be paid. '' I have never deposited a check that wasn't paid. I want to know what confidential information they have. The funds from the XXXX XXXX account were withdrawn on XX/XX/XXXX. The hold on my checking account is until XX/XX/XXXX. This does not make sense to me and I feel targeted.

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 2018-07-21
Company: Nelnet, 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:
I sent several letters to XXXX XXXX XXXX, on XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018, to validate the information that is being reported on my credit report. The information that is reporting on my credit report is inaccurate, I have attempt to reach out to XXXX XXXX XXXX, with the addresses provided on my credit report, - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX, and XXXX XXXX XXXX XXXX, FL XXXX. Given that XXXX XXXX XXXX provided a false address, I demand an immediate removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NC
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 have been going through this issue since 2018 with Portolio Recovery Service LLC. They keep putting this information back on my report and it is affecting me from moving forward in my life. I am unable to get certain jobs and all. I am tired. This is in regards to account # XXXX have sent them a ceast and desist letter on XX/XX/2018 and they followed up with the same collections debt. I have also sent a copy of police report stating fraud etc. I am tired. This is hurting me bad. I am ready to take it to the medi. I have also been breached

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have called all 3 credit bureaus for them to remove the fraud alerts off of my credit reports. Please do so immediately.

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 2020-12-09
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:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 ( FCRA ) these creditors have violated my rights for these accounts : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent.

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons.

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 2018-07-21
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I submitted a complaint about LOANCARE on XXXX-18. Now I recently received another notice from them stating my mortgage payment is 3 months late, and now they are applying late charges ; also stating I may lose my home, and that this will effect my credit score. Never missed a mortgage payment in 5 years ; as long as I have owned my home. My Loan was transferred from XXXX XXXX XXXX to these people, and nothing but trouble. Never ever had a problem. I work, make payments on time. LOANCARE also increased my mortgage from $ XXXX/month to  over {$5000.00} a month. WHAT! I called them about 2 months ago, and they said they wanted me to send them a check for {$19000.00} re : escrow? WHAT? I'm wanting to file a class action lawsuit ... ..this is causing me sleepless nights, anxiety everyday. I have never ever had a problem like this in my XXXX years on this Earth. I pay taxes, work at a job that helps people in life. What is going on?? I see all these complaints about this company, and wondering how this has been allowed to continue for so long?? Will someone please help us law abiding citizens, and do something? PLEASE ... ..this is getting harder for me to take everyday. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
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: Report provided to employer without your written authorization

Complaint:
I did not authorize for these companies to perform any type of inquiry on my credit report. 

These fraudulent actions were conducted without my consent or knowledge. 

REMOVE IMMEDIATELY!!!

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 2020-01-07
Company: Navient Solutions, LLC.
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: Account information incorrect

Complaint:
I attended XXXX-XXXX  XXXX Online and received funding XX/XX/2009 for {$6300.00} & {$4600.00} through Navient, XX/XX/2009 for {$3700.00} & {$2400.00} through Department of Education/Navient and XX/XX/2009 for {$690.00} & {$1300.00} Department of Education/Navient these classes I can not receive credit for because the school was closed. I paid for school that lost accreditation and had other legal issues that halted my education. I cant get or transfer any of the credits earned. I have requested consolidation of these loans so that the correct amounts are included and the forgiveness is applied for the years mentioned and the amounts included above.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
Company: Radius Global Solutions LLC
State: OH
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a letter from Radius dated XX/XX/19 stating that I agreed to pay them {$2000.00}. I NEVER made this Agreement. I have Never spoken to anyone at Radius. I do Not owe this debt and certainly would not agree to pay it. XXXX XXXX was the original creditor of this debt and XXXX XXXX has been deleted from my credit report. XXXX XXXX changed their name to XXXX. All XXXX accounts have been removed from my credit report because the were XXXX XXXX. XXXX sold this debt to Radius during the time I had a complaint with the CFPB against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
This morning, I had a positive balance of {$70.00}. At XXXX, I was charged an overdraft fee of {$180.00}, putting the balance of that account at - {$100.00}. I am overdrawn because of an overdraft fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am a victim of identity theft & the person is completing applications in my name without my permission. I have included my identity theft report.

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 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2018-07-25
Company: Capital Accounts, LLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2018 I request the company to validate this account is mines by providing me a breakdown of fees including any collection costs and medical charges and provide copy of my signature/e-signature with the provider of service to release my medical information. On XX/XX/2018 the company sent back a letter with account balance but didn't not validate this alleged debt account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22
Company: ClearOne Advantage, LLC
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Starting XX/XX/XXXX I paid Clear One Advantage a fee for providing me with services to repair my credit. This agency did not contact any of my debtors to inform them that Clear One Advantage was representing me. Also my debt continue to increase while waiting for Clear One Advantage to assist me in paying my debtors. When I informed Clear One of this increase of my debts I was told that I had to pay them {$15000.00} before they could help me pay my debtors. Their contract is design to fit the company and not the client. I was charged a monthly fee of {$220.00} starting from XX/XX/XXXX to XX/XX/XXXX. This company did not report that I was paying fees to the 3 credit bureaus. This could have helped my credit if they would have reported it to the credit bureaus. I had numerous problems trying logging into my account with Clear One Advantage.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21
Company: DISCOVER BANK
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/18 I called and was told I would receive my card yesterday XX/XX/2018 I call and ask where my card their response is no one ever marked it as such after speaking to five different ppl, its ridiculous

Company response to consumer: Closed with non-monetary relief