BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-28
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I placed a complaint here last month ( XXXX-XXXX  } in which I described the situation with Suntrust Bank. I detected fraud on my check account in the fall of XXXX. I reported this to Suntrust who then followed their procedure of closing the account and immediately opening a new account. My funds were transferred by Suntrust to the new account ( ending in XXXX ) with the promise that any outstanding checks would be rerouted to this new account. I use the Suntrust Bill Payer service which requires me to place the check amount and the date of delivery in the blanks and then hit send. In XX/XX/XXXX and again in XX/XX/XXXX both payments were returned because they were applied to the old account which had no funds. The funds were transferred to the account ending in XXXX. I did not direct my checks to be paid from a closed account. The error was made by a Suntrust employee. Each of these checks drew a late fee for {$10.00} and a bounced check fee for {$30.00} for a total of {$80.00} from the biller, XXXX XXXX. They are the business office that collects home owner association dues. I should also inform you that while I was hospitalized in XXXX of XXXX my wife paid bills that she found on my desk, including the penalties placed by XXXX. After recuperating, I attempted to get a refund from XXXX  but they refused even though I could show the error was made by Suntrust. Suntrust does have a policy to reimburse for a loss like this. They are supposed to stand by their agreement with the Bill Payer customer. Suntrust contacted XXXX asking them to return the fines to me, but they refused. Suntrust reimbursed me for one of the checks, the one for XXXX. I attached the " final response '' from XXXX XXXX who is an assistant vice president of Suntrust. In the third paragraph she says the XXXX check was returned " unauthorized '' because the account was in a " no debt '' status and that there were no funds to cover the item. She also said that the account was closed in XXXX of XXXX which is inaccurate because I closed the account in the fall of XXXX. With the number of payments I send out I would have bounced a lot of checks that month if I tried to use the account that was empty. I was not aware of the procedure that Suntrust uses to pay our bills. Apparently smaller concerns like XXXX  are sent checks instead of electronic deposits. I never touch the checks that XXXX  receives. The errors were made by Suntrust.

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 2021-10-20
Company: CarMax, 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: Account information incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This company is currently showing 30 days late ( XX/XX/2020 ). I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: SECURITY CREDIT SYSTEMS INC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Ambulance bill was handled by insurance company. Have been trying to dispute information from the credit bureau 's but have been unsuccessful. Insurance company handled bill. Instead of removing the collection off credit report the credit bureau 's just removed the amount owed on one report and left the collection open.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: MARINER FINANCE, LLC
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/XXXX Mariner Finance sent a check to be cashed as a loan. My husband XXXX XXXX XXXX cashed the check using his driver license. XX/XX/XXXX my son XXXX XXXX XXXX Credit report was showing loan and that is was late. I called the local branch and spoke with manger XXXX XXXX he asked for us to send social security cards and that he would correct the information. XX/XX/XXXX the information was correct and put on XXXX XXXX report but then they reported the account is charged off and in collections. We made our payments on time and called the branch on 3 different occasions to ask for this to be corrected. The assistant manager in XX/XX/XXXX asked for me to email showing how it was being misreported so she could correct it. I sent it and never heard back and report is still being reported wrong. I called back several times asking for Mr.XXXX  to call me back to have this fixed and get no call back. I have disputed with credit reporting agencies only to come back information is correct. We paid this loan off early. This misreporting is causing us undue stress in causing his credit score to be low due to the misreporting. We have done everything as a consumer and this business has done nothing in correcting there problem even though they admit its incorrect!

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 2020-04-28
Company: EQUIFAX, INC.
State: AZ
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:
On XX/XX/2020, I was alerted by XXXX XXXX that a hard credit pull was completed by XXXX XXXX XXXX through Equifax. I created an online dispute with Equifax on XX/XX/2020 because I have NEVER used XXXX XXXX XXXX for anything, nor ever looked into any of their services. I received a response from Equifax stating that is was a legitimate pull. I followed up with XXXX XXXX XXXX on XX/XX/XXXX and they stated that my SS # is not in their system, nor do they have a record of me requesting any kind of credit through them. That, in fact, it should never have been pulled and should be corrected. I was told by that representative that they would send a letter to Equifax, but when I called on XX/XX/2020, Equifax had not received anything and they stated that I needed to call XXXX XXXX XXXX again. Upon doing so, I spoke to XXXX XXXX XXXX  's Fraud department only to be sent to another XXXX Fraud department. That department put me on hold for an hour, twice, only to pick up the line and then drop the line. I have not been able to reach anyone else and no one is able to help me rectify this situation. I value my credit, especially in light of the present situation where I may have to seek funding elsewhere to provide funding for my business. I would like someone to please rectify this as soon as possible, but I am getting nowhere with either entity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This account PENNYMAC LOAN SERVICES is reporting late ( XX/XX/2020 ) as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: WESTERN UNION COMPANY, THE
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I sent someone {$900.00} via Western Union on XX/XX/2020 from my XXXX prepaid card.Weeks later I was informed by XXXX that Wester Union reported recipient had not picked up the funds and I was due a refund of XXXX XXXX.I called Western Union for a refund on XXXX XXXX was told I would be sent a check for {$900.00} " within 7 to 14 days ''. Today isXX/XX/2020 and I still have not received my refund.They gave me a case number : XXXX.I have called Western Union numerous times and each time promised something would be done but nothing has been done.They confirmed my name and address numerous times.But have not sent my refund.They keep giving me a runaround.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL
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:
XXXX, XXXX SOC SEC # XXXX  DOB XX/XX/ ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX LAW OFFICES MBA XXXX LAW OFFICES MBA XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious LAW OFFICES MBA XXXX  LAW OFFICES MBA XXXX   I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX   XXXX  of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOBXX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Capital One called in XXXX, and called in XXXX XXXX let them know that I was NOT the one that applied for this card

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: CAINE & WEINER COMPANY, INC.
State: FL
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:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1935 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1935 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: Advanced Collection Bureau, Inc.
State: FL
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:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1935 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ADVANCED COLLECTION BU XXXX ADVANCED COLLECTION BU XXXX ADVANCED COLLECTION BU XXXX ADVANCED COLLECTION BU XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ADVANCED COLLECTION BU XXXX ADVANCED COLLECTION BU XXXX ADVANCED COLLECTION BU XXXX ADVANCED COLLECTION BU   XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1935 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: Experian Information Solutions Inc.
State: LA
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:
XXXX XXXX allowed an account to open in my name. Account # XXXX. 
They originally sent me an letter in the mail, stating the account will be closed, removed and deleted from my credit reports, which did happen. They began reporting the account AGAIN, then it was removed AGAIN. Now, it's back showing on my Experian credit report. XXXX has also been calling me multiple times per day, which i believe is harassment and sending me emails stating the account is due for an payment to get back in good standings. The account placed a WRONG address on my credit reports as well, that i'm still battling with the credit bureaus to delete the Wyoming address. I never lived in Wyoming!! 
I pay all of my bills on time and have zero negative items on my credit reports. 

Experian has deleted this item on XX/XX/XXXX report # XXXX, which they verified with XXXX XXXX that the account is not mine before they deleted it, Then again on XX/XX/XXXX report # XXXX. 

XXXX XXXX also responded to the CFPB on XX/XX/XXXX complaint number # XXXX that the account would be deleted from my credit reports and closed permanently. 

I am a victim of identity theft and i receive credit reports each month to watch out for things like this. 

I demand XXXX XXXX to stop contacting me about account # XXXX and remove their negative reporting from my Experian credit 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 non-monetary relief
Consumer complaint received 2020-04-28
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: Information belongs to someone else

Complaint:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 2018-11-20
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I am co signer for my daughter student loan, we have completed forbearance and deferment and they have sold the loan a total of 5 times to different collection agencies. I am XXXX years old and can not pay this. they have harassed me calling me all hours of the night and day. I have sent correspondence to cease and desist and they still call

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: American Collection Services, Inc. (OK, TX)
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
While reviewing my annual credit report on XX/XX/18, I discovered two reported incidents being claimed as unpaid debt against me a company called " American Collection Serv ''. Both incidents claimed that I owe them {$7.00} for each incident. I filed a dispute online with XXXX  indicating that absolutely NO INFORMATION has been provided to me about either claim, that I have never been contacted by this company, I have no clue what the claim is pertaining to, and to please have this mysterious/anonymous company contact me with any & all information. 

The dispute was closed by XXXX  on XX/XX/18 as a " verified '' debt that I owe. I have never heard of a company called " American Collection Serv '' and no one has contacted me. This slanderous information is impacting my credit score and reputation. XXXX will not provide me with additional details and merely points me to the CFPB for recourse. 

Can you please help me find out what these false charges are being claimed for? The reckless nature of XXXX and " American Collection Serv '' in this matter is shocking. I am at a loss and very concerned that anonymous reports are impacting the financial well being of my family. Thank you,

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