BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-02
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my second time disputing the following accounts : -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 I am not an attorney or third- party rep, there are accounts on my credit report that does not belong tome and believe that this is an act of fraud. I have a legal right to dispute anything on my credit report that I do not recognize.

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 2019-10-22
Company: BB&T CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/26 I opened a account with BBT to take advantage of the bright checking bonus of XXXX Offer XXXX. I saved the criteria to make sure I met the requirements. On two separate occasions I called my local branch and the XXXX and asked the timeframe of when it would deposited and did I have to do anything else. I was told to wait 60 to 90 days because I had already had the two monthly deposit of more than 100 from my direct deposit from my bank.Which was requirement within 75 days. I have been very specific to the tee to make sure I followed every requirement. Then today the rep told me my offer ID wasnt on my application. I specifically made sure before opening the account online the Id number was placed. I had several chats asking for the confirmation and requirements. This is simply false advertising and bad customer service. I have attached my phone records showing the calls that took place and want this escalated immediately when I've made sure to do everything correctly. This is deceptive business practice

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 2020-11-16
Company: General Motors Financial Company, Inc.
State: NC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
Charged extra and incorrect interest amount of XXXX $ by GM Financial XXXX Did NOT get a proper statement!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My account was closed due to suspected fraud. I told them i had nothing to do with it that someone must have stolen my bank information. They refused to believe it and after paying {$290.00} to get my account balanced and in good standing, they are still reporting that the account is unpaid and delinquent. I have the receipt that i did in fact pay the {$290.00} on XX/XX/2016 at XXXX XXXX  est.

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 2019-11-13
Company: Experian Information Solutions 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 status incorrect

Complaint:
There are several closed accounts that only Experian is reporting as late every month they are as follows : XXXX XXXX/XXXX  XXXX XXXX/XXXX  XXXX I will attach the reports from XXXX  and XXXX showing that these account do not report every month SINCE they closed.

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 2021-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Dear Sir or Madam : I am writing to dispute [ a ] fraudulent charge ( s ) on my account in the amount listed on the attachment. I am a victim of identity theft, and I did not make [ this/these ] charge ( s ). I request that you remove the fraudulent charge ( s ) and any related finance charge and other charges from my account, send me an updated and accurate statement, and close the account ( if applicable ). I also request that you cease reporting the inaccurate information to all of the nationwide credit reporting agencies ( CRAs ) to which you provided it.

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 2018-02-07
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have contacted XXXX early XX/XX/XXXX, and have filed a complaint that the account does not belong to me. Nothing has been done to remove the account. Today XX/XX/XXXX have contacted the Department of Education, and Nelnet, the account servicer, and they have told me that they have no record of any kind associated with my social security. Nelnet did give me a website, https : //www.nslds.ed.gov. When I made contact they also could not find any account associated with my social security.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04
Company: Ocwen Financial Corporation
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Ocwen servicing wrote my mortgage off over ten years ago. They never notified us that they had it. We were sending our payments to XXXX XXXX  when we receive a letter stating they were no longer be taking payments and we would be notified where send those payments to well that never happen now ten years later we request a release and Ocwen refuses, we didnt even know who they were until a few months ago we were in the process of selling our home. Every year when we paid our taxes on our house we would check to see if a mortgage company finally was reported it wasnt. When Ocwen responses the first time, they told title company it was written off, than the next time we contact them they said they were gone foreclose on our home. They had ten years to notify us and they didnt. We feel Ocwen mishandled our mortgage fraudulently and is trying to find loopholes for the bad business practices of our mortgage. All we want is a release because we feel it wasnt our wrong doing, it was Ocwen.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28
Company: MoneyLion Inc.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I received emails from a company called " Moneylion ''. And they state that I have a new debit/pre pay card opened in my name and that I'll be receiving a physical card in the mail. I did not sign up for any such account and this appears to be a miss use of personal information for fraud purposes to try and collect fee 's from the unsuspecting account holder.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Received a letter that my account would be closed to do inactivity for 18 months or longer this information is incorrect i have use the card 2 times and had paid in full and also prior to this letter I had spoken with CS agent and that will not be happening

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29
Company: MARINER FINANCE, LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. 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 2018-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Back in XX/XX/XXXX I was suspected of identity theft in a data breach with XXXX. In XX/XX/XXXX I submitted a dispute to all 3 major Credit buraus Agencies in regards to my suspicion of identity theft .I have yet to have my disputes resolve or any feed back regarding this matter and its well over 60 days.

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 2018-03-29
Company: United Collection Service, Inc (FL)
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have tried to go through the credit bureau several times abot a debt that was over 8 years old and is still showing up on my credit report. I have asked Equifax to validate the information yet it appears that nothing is being done since this debt is from XXXX when i had to take an ambulance to a hospital due to my XXXX XXXX XXXX. The name of the credit collector is UNITED COLLECTION SERVICE , INC and they are saying that the account was opened : XX/XX/XXXX ( 6 yrs, 2 mos ) and the Original Creditor Name : XXXX XXXX. At the time they are saying this was opened I was already living in another state for a year and a half.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
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:
Hi, I was actually talking to a representative from Portfolio Recovery Associates and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below. Please remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have dispute XXXX/XXXX. 

My original loan was sold to XXXX XXXX XXXX XXXX XXXX. The problem is that I made my final payment and received an email advising mouth loan was paid off. About two months later I received a letter stating i owe a final payment to the new company. I informed them that I made the final payment to the old servicer. They basically  said, " Contact them to receive a refund ''. So, I paid XXXX and they said my account was paid off but they said I was 60 days late and denied that the account was paid off before transfer. I contacted them several times informing them that this inaccurate reporting has devastated my credit profile. 

I reached out to the Transunion, XXXX, and XXXX  to inform them of dispute and inacurrate information reported. I sent two letters to each bureaus asking for a full investigation to resolve my issue. All  three bureaus failed to verify with a real investigation, they did not provide me with any names or any real proof of investigation. I exaplained that I do not contest with eOscar. 

I am requesting that XXXX XXXX XXXX XXXX XXXX 60 day late payment be deleted from my credit profile. 

P.S. 
All of the three major Bureaus Failed to meet the 30 day deadline for investigation. 

Sincerely XXXX XXXX Address : XXXX XXXX XXXX   XXXX, NC XXXX Email : 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 2021-10-07
Company: Genesis FS Card Services, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I paid my credit card on XXXX in the amount of XXXX, I have no food, no diapers and they are refusing to take off the manual hold when they got there payment I was told my kids have to wait another 7 days for it to fall off, there has to be something that can be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
tried to contact this company and no help this bill is {$2200.00}. and the company is XXXX on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: CREDIT BUREAU OF LEWISTON-CLARKSTON, INC
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have been in contact with this company on a regular basis and have been making regular payments.Yet it is reported as past due/unpaid?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Hello,My name is XXXX XXXX XXXX. I am XXXX years old. I am a XXXX XXXX. I am an XXXX veteran of the United States of America. I object to being treated like this. My Identity was stolen to open credit cards, get cars, set up utility services and cell phone services and other things that I have not been aware of.This needs to stopped.I am demanding that all of these fraudulent account be removed from my name and reports with your agency 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 non-monetary relief
Consumer complaint received 2018-02-07
Company: Credit Service Company, INC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted Credit Service company by phone and certified mail at the given address of XXXX. XXXX  XXXX XXXX XXXX, CO XXXX to have the debt validate with the actual contract that I have signed obligating me to this debt with no response and they continue to report me to XXXX the legal time limit for a company to respond is 30 days and they have exceeded that time

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 2021-01-29
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I XXXX XXXX got a letter in the mail stating that TD Bank wanted wanted to close my consumer accounts with no explaination what so ever. TD Bank stated " it was thier right to close all my accounts at thier " discretion '' sound to me like discrimination. I was the consumer that extended my credit to TD Bank to open the accounts. I attemped to call their td bank number which was XXXX attched to the correspondance that I received in the mail and it was a XXXX voice number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: EQUIFAX, INC.
State: AR
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 received a letter in the mail that I was sent to collections. I immediately took actions and got a copy of my credit report to see why this was reflecting on my credit and why in the world this collection bill was under my name. My identity has been compromised and I need these fraudulent items off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: EQUIFAX, INC.
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:
This has been reported to XXXX XXXX, equifax, and XXXX XXXX different times. 

On XXXX XXXX I was in a car accident. On XXXX XXXX XXXX XXXX sent XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Tx XXXX A check for {$12000.00} Inwich was the balance that was owed on the car. XXXX XXXX has confirmed that this balance has been paid off but these credit bureaus do not want to do there job and correct there mistake. These credit bureaus with there actions keeps costing me thousands of dollars because they do not know what they are doing and they keep XXXX up my credit report when they do not do there job. I have attached a XXXX receipts from XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: American Collections Enterprise, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I took a rental car from XXXX XXXX  leasing and they had a flier or a notice not part of their contractual agreement and they charged me XXXX USD for a car clean up. I disputed this with them on my XXXX XXXX credit card bill sending them the pictures of my car. Now they send this bill to collection agency resulting to an amount of XXXX USD. 

I received a letter 6 months or 9 months before stating that I owe and I explained American Collections agency on what actually happened. I never received any feedback or call from thereon. This charge is now on my credit report for a long time and I want to have it removed. 

I spoke to American Collections agency today explaining that the charge done by the location in XXXX for XXXX is a fraudulent charge. I can imagine anyone charging XXXX USD flat fee for a car cleaning where the car was rented for a week will have small dust particles because of walking. I also ensured the same before leaving the car that if I need to do anything at the time of check up. 

American Collection agency is basically being biased and saying that their customers rent a lot of cars and they know what they are doing. With all due respect they do not want to resolve this dispute. I called their office like 4 times and the lady just hung up on me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX http : //www.payacei.com Email this Business ( 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 2021-11-29
Company: Experian Information Solutions Inc.
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:
This has been reported to XXXX XXXX, XXXX, and experian XXXX different times. 

On XXXX XXXX I was in a car accident. On XXXX XXXX XXXX XXXX sent XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Tx XXXX A check for {$12000.00} Inwich was the balance that was owed on the car. XXXX XXXX has confirmed that this balance has been paid off but these credit bureaus do not want to do there job and correct there mistake. These credit bureaus with there actions keeps costing me thousands of dollars because they do not know what they are doing and they keep XXXX up my credit report when they do not do there job. I have attached a XXXX receipts from 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 2020-11-22
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:
XXXX XXXX XXXX CCOUNT DETAILS Account Name - Account # XXXX Original Creditor - Company Sold - Account Type COLLECTION Date Opened XX/XX/2020 Account Status! - Payment Status Unpaid Status Updated XX/XX/2020 Balance {$1900.00} Balance Updated - Original Balance {$1900.00} Monthly Payment Equifax and XXXX  put this on my report 3 times now just changed the name. 
law does not permit this without notifying me first within 5 business btw FTC violations sent the police report and ftc

Company response to consumer: Closed with explanation