BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-28
Company: Experian Information Solutions 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:
This occurred on XX/XX/2021. I got an alert from my bank and Experian that someone had just ran my credit for an SBA loan at XXXX XXXX XXXX, XXXX XXXX, Tx. XXXX. I immediately called the Washington D.C. office. She ran my SSN and acknowledged that someone has put in a loan application under my social. She said she couldn't give me any information but told me to file a police report which I did, and also to contact you as well as the OIG.

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 2020-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
XXXX XXXX XXXX, # XXXX, CA XXXX TransUnion charged me XXXX for an membership that isn't advertised, it just asks you for a credit card number tricking you into thinking it's for the credit check but it's actually for their membership

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-03
Company: U.S. BANCORP
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I XXXX XXXX entered into a consumer credit transaction with XXXX XXXX XXXX ( XXXX ). A consumer transaction is a transaction in which a finance charge is involved. Pursuant to 15 usc 1605 a finance charge is the sum of all charges in a consumer credit transaction. Because I know the finance charge is the sum of all charges I was not expecting a bill.

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 2019-11-15
Company: GLA Collection Company, Inc.
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
GLA COLLECTIONS # XXXX XXXX XXXX XXXX XXXX Ky XXXX XXXX XXXX XX/XX/14 I had free insurance plus I contact my ins people to pay this bill and they said they would I was at my sister house staying when I went to this medical dr so they been paid {$590.00} To a Dr XXXX 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 2017-09-18
Company: SUNTRUST BANKS, INC.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I deposited a check in the amount of {$98000.00} dated. The check was made out to my company XXXX XXXX XXXX. The check was dated XX/XX/XXXX check number XXXX. Before I allowed XXXX XXXX to deposit the check I explained to him what the check was for. I have a asphalt contract with XXXX XXXX XXXX. He called someone on the phone and came back and assured me that there would be no issues. He stated that {$49000.00} would clear within 5 days and the other balance of {$49000.00} would clear five days after that. Before the money was to clear I received a message stating that my account had been closed. I also received a statement stating that {$98000.00} was in my account. I went to the bank he requested that XXXX verify the check. They did verify the check. He stated that the account would be reopened and it would clear in 7 days. Once again no money cleared. Went back to the bank and told me that the check would be mailed out. No check was mailed out. I called the bank and a rep stated that the check was being held in the vault and I should get a letter in the mail as to what I needed to do. No letter has come and no money has come. XXXX XXXX requested that the money be sent back. No money has been sent back. XXXX XXXX has not been helpful he has been giving me the run around. When I call the bank they leave me on hold and he never picks up. He does not answer emails. The prje3ct is now on hold because I have no money to pay the workers or buy asphalt. I need the money to be returned back to me or back to the sender.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-04
Company: Commonwealth Financial Systems, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received zero communication nor notice from this Commonwealth Financial regarding any outstanding debt or collection amount. I tried to call the number listed for the collector as soon as I saw the mark come up on my credit report on XX/XX/30. I was completely blind sided as I was never told or informed of any amount being owed to Commonwealth Financial or XXXX XXXX. After I saw the derogatory remark on my credit report as it is the only reference to this debt and option to contact the agency to inquire about the debt I was completely unaware of. When I called XXXX multiple times, it would play an automation after one ring and state " nobody is available to take your call at this time '' then immediately disconnects/hang up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
During a very difficult time, Amex collections habits were relentless and ruthless. They called my employer more than 4 times daily from their Arizona hub. They shared with my mother my personal information, and shes not even on my account. They also shared information with my brother. It was humiliating and degrading. It had gotten so bad at work that it annoyed my co-workers and boss - I was sent home for a few days as they were attacking our companies main line. I have proof of all contact, even after telling them repeatedly not to call me at work. They would call me everywhere but my own personal line - Im assuming as a scare tactic. It was more like bullying. So aside from my credit being completely ruined after explaining to them the situation and still sending them funding even through COVID. They still continue to mark me late monthly on my credit report. No empathy or assistance whatsoever just harassment after several years of timely payments and multiple accounts. The only company that would not work with my DMP, but arrange payments with them anyway. The reps are extremely robotic, and sometimes difficult to understand. Im paying a large amount per month, and still being reported. I was even charged late fees by Amex after being sent to collections - with payments going their way. The debt on each card is $ XXXX. I pay over {$300.00} on one card now and almost {$200.00} a month on another regardless of my situation. Still not good enough. Its honestly discouraging - and Im doing everything on my part. Complete failure on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. 
I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft.

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my 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 explanation
Consumer complaint received 2020-09-05
Company: Allied International Credit Corp., (US)
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Initially I received several phone calls from Allied International Credit Corp on my land line, but they didn't leave a message. Shortly after, I received a letter dated XX/XX/2020, informing me that XXXX referred a collection of an alleged debt that I owed to them. 

I immediately signed on to XXXX to check because it seemed very strange. # 1, I do not have any outstanding invoices and my account is current. # 2 I  do NOT have an account number as they stated. # 3 There is no description of an item # linked to XXXX that I'm allegedly being charged for and that they are claiming is unpaid. 

I then conducted an internet search of this Allied International Credit Corp and saw many complaints from others, stating the exact same thing I experienced.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
There was a check fraud of unauthorized transaction of XXXX dollars Transaction occurred on XX/XX/2020. 

I noticed it on my account about a week after it happened.. 

I have notified my bank, Schools First Credit Union, within 14 days. ( this number is accurate, as I remember notifying before 14 days. 

They told me I have to fill out a check fraud report unless I don't get cover this money .... 

Due to heavy volume schedule at work, I didn't find the time to visit the bank.. 

They told me I can't get my XXXX dollars because I came in too late ... 

I have reported the fraud within less than 14 days after it happened ... 

Not even near the 60 days of not reporting of this case ... 

Could you please help me with this case.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19
Company: Commonwealth Financial Systems, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Because of a security breach, I have a credit report monitoring program. I was notified recently of a new item on my report. It was a collection notice lodged by Commonwealth Financial Systems , Inc. located in XXXX XXXX, Pennsylvania. I contacted Commonwealth and was advised that a woman using my name, my date of birth and my social security number had incurred charges in the amount of {$530.00} at the emergency room ( XXXX XXXX XXXX ) at XXXX XXXX in XXXX on XX/XX/XXXX, for her minor child XXXX XXXX. Based upon that information, and believing I was a victim of identity fraud, I filed an incident report with XXXX XXXX Police on XX/XX/XXXX. It is incident report number : XXXX. I also filed an identity theft report with the FTC- # XXXX. 
I was able to contact a XXXX. XXXX XXXX, in the financial office at XXXX XXXX. ( Her contact is : XXXX. ) She was able to locate the account in question. She advised that the person who had incurred the charges was an XXXX XXXX XXXX and that no date of birth, nor social security number had been provided. XXXX XXXX also had an address on XXXX XXXX in XXXX XXXX. Finally, XXXX XXXX indicated that she has seen this happen many times. A collection agency will find someone in the geographic vicinity with the same or similar name and implement collections against them. Needless to say, I was not the victim of identity fraud committed by this woman, but was the subject of unscrupulous practices by this collection agency. Commonwealth did  not take any effort at all to confirm the identity of the debtor, they just placed the derogatory information on my credit report. While this may be no big deal, if they are doing this regularly, they should be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: Experian Information Solutions Inc.
State: IA
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:
FOR THE 30TH TIME, NOT MY ACCOUNT.

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 2018-09-19
Company: CHARLES SCHWAB CORPORATION, THE
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX could not write this : On XXXX XXXX I asked XXXX XXXX XXXX to send me a new order of checks as I only had one left. 

On XXXX XXXX without my authorization or knowledge my check account and my brokerage accounts were closed! The money in my taxable account without my authorization or knowledge was withdrawn by XXXX XXXX XXXX and a check was allegedly sent to me that I have not received! I objected to my accounts being closed! 

Mr. XXXX XXXX from the consumer advocate 's office told me on XXXX XXXX that both accounts had been closed but were now open again. 

I checked my accounts on line this morning, XXXX XXXX, and discovered that there was no taxable account. I called Mr. XXXX who told me that myh accounts had again been closed! I protested. He called back later this morning to tell me that my accounts were open again! 

This is a comedy of errors that must never be repeated either for me or for anyone else who is a costumer of the XXXX XXXX XXXX XXXX XXXX XXXX. 

I still do not know, in fact, if my accounts are open or closed or if they will be closed again without my authority or knowledge!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio Recovery Associates called my cell phone looking for my mother. She does not have the same phone number and they would not tell me why they were calling her. I asked how they got my phone number, and she repeated asking for my mother. This debt collector is calling other people other than the debtor in attempt to ruin a persons reputation in order to make them pay. Would not give any other information, and then hung up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-19
Company: Nelnet, Inc.
State: GA
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:
To anyone who will listen : My consolidation master promissory notes ( MPN ) are dated in XXXX, XXXX, XXXX, in such, there is no 6 months grace period. It is my understanding that all consolidated and non-consolidated loans are treated the same. When Nelnet began to enforce the newer version of MPN with Item 17 grace period, I never signed that version, I was never advised by Nelnet of any changes to my MPN or the enforcement of the newer version of MPN. I was in school for fall XXXX and took the spring/summer XXXX off due to a job relocation, to included, I am currently in school for fall XXXX. During my time away from school, my non-consolidated loans had a 6 months grace period. Without my knowledge, Nelnet reported to my credit bureau, XXXX, XXXX, and XXXX   90 days late payments during my VA mortgage pre-approval process. My VA lender disqualified my loan because of the recent XX/XX/XXXX 90 days late listed on my 3-credit bureau. I respectful request verifiable proof of a signed Consolidation Master Promissory Note ( MPN ) with Item 17. By Nelnet submission, their review my signed Consolidation Master Promissory Note ( MPN ) with Item 17 and upon request this document was never provided. Nelnet decision to enforce policy, shouldnt supersede contraction obligations has led me and my family into financial hardship and emotional stress with the negative credit report posting of late payments. With Nelnet negative credit bureau listing and denial of VA loan has presented very limited options regarding housing for my family. We are begging Nelnet or XXXX to reverse the negative impact. Ive enclosed my three signed MPN dated XXXX. I respectful request verifiable proof of a signed Consolidation Master Promissory Note ( MPN ) with Item 17. If the signed Consolidation Master Promissory Note ( MPN ) with Item 17 is not provided, I respectfully request the removal of all negative posting of late payments in XXXX & XXXX on XXXX, XXXX, and XXXX. 

Thank you for listening, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: EQUIFAX, 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:
EQUIFAX IS REPORTING A FRAUDULENT ACCOUNT ( XXXX XXXX XXXX ) ON MY CREDIT FILE EQUIFAX HAS BEEN TOLD THAT THIS ACCOUNT IS FRAUD. XXXX ALSO HAS A FRAUDULENT ACCOUNT ( XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-12
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 have disputed these accounts from XXXX/XXXX several times on my credit report, it just says : disputed by consumer. 1. I wasn't even in the US when these accounts were opened. 2. I don't know what this company is, I have never heard of it and I certainly never opened any accounts with them. This is completely ridiculous.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have disputed these accounts from XXXX/XXXX several times on my credit report, it just says : disputed by consumer. 1. I wasn't even in the US when these accounts were opened. 2. I don't know what this company is, I have never heard of it and I certainly never opened any accounts with them. This is completely ridiculous.

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 2019-03-05
Company: Experian Information Solutions Inc.
State: CT
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:
On XX/XX/19 I filed a CFPB complaint # XXXX, In pure regards to the validity of a unverified debt XXXX XXXX XXXX stated that I owe. 

On my credit monitoring service today on XX/XX/19 I received a notification that there was a decrease in a collection account that I supposedly paid XXXX XXXX XXXX at lease {$1.00}. I have never contacted this collection agency directly outside of this platform " CFPB '' to address my concerns. 

This company has reported to XXXX  according to my monitoring service that I personally made a payment towards this account which never happened. 

Therefore, I'm asking for XXXX XXXX XXXX to provide proof of payment and method of payment made by me as reported to 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 non-monetary relief
Consumer complaint received 2020-09-08
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Have called me constantly everyday since XXXX. Today XX/XX/20 the representative was rude to me because I asked for a settlement then responded he will take legal action against me. He refused to make an offer and snidely remarked no I just dont want to pay the full amount.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-10
Company: Sa-Vit Enterprises, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I'm in the process of cleaning my credit and came across this account in my file. It is saying I owe a debt to which I am unaware. Please provide validation via mail. As per the fair credit reporting act.

1. Original contract with signature 2. Original bills with breakdown 3. Notarized copy of the purchase of debt 4. Copy of your bond and license to collect in my state.

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