BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$10000.00}, {$13000.00}, {$13000.00}, {$4500.00}, {$6200.00}, {$14000.00}, {$8700.00}, {$3400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

3. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 


-- PERSONAL LOAN 4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

-- COLLECTION ACCOUNTS 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4500.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6200.00} -This is not my account. 

7. XXXX XXXX I with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

8. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8700.00} -This is not my account. 

9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3400.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Companies do not fix the problem. XXXX XXXX account number XXXX open date XX/XX/XXXX, Drop off date XX/XX/XXXX ; XXXX account number XXXX open date XX/XX/XXXX drop off date XX/XX/XXXX ; XXXX account number XXXX open XX/XX/XXXX drop off date is XX/XX/XXXX ;, XXXX XXXX account number XXXX opened XX/XX/XXXX drop off date XX/XX/XXXX. All these companies have been contact numerous times over the past two years by myself and I hired XXXX XXXX XXXX ( a credit repair organization ).

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 2021-10-06
Company: National Credit Adjusters, LLC
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:
I paid a debt off that showed up on my credit report in XX/XX/2020. I did not make this debt, however it was paid off due to the numerous disputes and no change. I have a copy of the receipt yet, it was never reflected on my credit report as paid. The initial company was XXXX XXXX  XXXX XXXX XXXX XXXX The debt was bought by national credit adjusters. The debt was paid as noted on the receipt attached to this claim. It needs to be reflected on my credit reports on all three bureaus. Its been almost a year since I paid and no change. Its been disputed several times and when it comes back from the credit bureau it does not reflect paid. The credit Bureaus refused to change, despite me providing proof of payment. This needs to be fixed ASAP, I have spent so much money disputing this when it should have been fixed a year ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I closed this account and it is still showing open and reporting to credit bureau as open. This account is closed because they kept lowering my credit limit using false information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: AC AutoPay LLC, Denver, CO Branch
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I am a former employee of AUTOPAY aka AC AUTOPAY. The company consistently and knowingly engages in fraud at multiple levels of the operation. They knowingly provide false/unverified information to their federally insured credit union partners. They send credit applications without verifying length of employment, length of residence, vehicle trim levels and general vehicle options. The lending partners are not aware of this. It's done internally, again, knowingly, with the goal of increasing the number of approvals and ultimately the amount or revenue. This has gone on for several years. 

Additionally, at one point during the operation they collected sales tax on hundreds if not thousands of transactions, when in fact no sales tax was actually due. This was around XXXX. These were straight refinance transactions and they were collecting sales tax, it was itemized into the loans. 

Autopay willingly and knowingly allows their employees to use illegal sales tactics. These tactics include lying about the cost of ancillary products, not disclosing basic details such as loan term, and insinuating that the lender is requiring you to buy ancillary products. Only if a lending partner catches on to the lies, will they take any corrective action. 

Autopay has consistently engaged in illegal advertising. They quote customers rates that they know they will not be approved for, at times, even quoting rates that dont exist. This is done both on their website and through channel lead partners. 

Finally, Autopay engages in illegal workplace standards, such as, not allowing employees to take full lunches, not paying overtime in any way, and filing false time cards. 

This is a boileroom operation that needs to be investigated in depth.

Company response to consumer: Untimely response
Consumer complaint received 2020-07-07
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I returned two items to Nordstrom via USPS on XX/XX/XXXX, tracking for the returned item/package states it was received on XX/XX/XXXX. Through multiple contacts to Nordstrom chat and customer service line Ive been given different time frames for when my return will be processed. Its now been 34 consecutive days and 24 business days since I provided my return via usps, the FAQ section on the Nordstrom website states returns are proceed 10-14 business days, we are now 10 business days past the maximum business allotted to a return as per the FAQ section. On my Nordstrom card I keep receiving a charge of interest for this purchase when I do not have the item with me and I returned it once I received the return label. On XX/XX/XXXX I was told via a chat with the Nordstrom customer service that I should expect a return by Tuesday XX/XX/XXXX, it is now Tuesday XX/XX/XXXX and I place a call to Nordstrom customer service only to be told that only one item was returned and I should be receiving a gift card in the mail for it ( WHEN I PAID VIA A NORDSTROM CARD, I should be refunded in the method of which I paid ) and that the other item that was returned together, had not been processed and THIRTY days later they could still not tell me why. With a pandemic in place Im unsure where the logic of giving a gift card makes sense if I made a return because I didnt like the item and the item was approved for return because Nordstrom provided me a tracking label, that means I need my amount cash/credit paid returned as it was provided not at the choice and discretion of Nordstrom as they please. Im saddened by Nordstroms customer service and lack of communication between staff and towards the customer. I have not received any update on this return, not one email after I was sent the tracking number. And each time I call customer service each person I speak to is lost on the matter and does not understand why Ive been made to wait so long on a return.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-01
Company: Experian Information Solutions Inc.
State: TX
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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$27000.00} XXXX XXXX XXXXXXXX Balance : {$450.00} XXXX XXXX XXXXXXXX Balance : {$27000.00} XXXX XXXX XXXXXXXX Balance : {$440.00}

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 2020-07-07
Company: Conn's, Inc.
State: TX
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: Problem with personal statement of dispute

Complaint:
Submitted Disputes and verification of debt VIA Certified mail on XX/XX/XXXX along with a settlement of debt offer to companies listed below Via certified mail, see USPS Receipts. 

None of the companies listed below have responded to the 15 day requested time frame Per the Fair Debt Collection Practices act and are still actively reporting negative debt on my credit report. 

XXXX  - XXXX XXXX  XXXX XXXX - amount stated owed {$560.00} Credit limit was {$300.00} paid. Unsure how {$560.00} is falsely being reported and no information will be returned or has been verified by company. 
XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX-amount stated owed- {$670.00} XXXX XXXX . I believe amount was paid being that on another report it shows paid in full. No response back from company for debt validation or Debt settlement offer response .XXXX Dispute report # XXXX shows the XXXX Paid in full and acct closed by me XX/XX/XXXX. 


XXXX XXXX XXXX - Amounts have conflicted info on reports {$580.00}, {$720.00} This collector agency has been deleted from XXXX  conformation # XXXX due to unable to verify debt but still reporting on XXXX, and XXXX. 

XXXX XXXX- Amount stated owed {$1200.00} XXXX XXXX XXXX XXXX FL XXXX - XXXX CC used was not me, I asked them to provide validation of debt that it was me that used the CC. The cc was used for a XXXX company  whom was not me, I also sent a Settlement offer letter agreeing to pay a refused amount of XXXX for deletion. No response back to both requests. 

Conns XXXX XXXX XXXX XXXX  XXXX XXXX TX XXXX - {$7000.00} a XXXX   XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX {$7400.00} Both companies reporting same debt and conflicting amounts owed, also Conns reports same acct as paid in full, and {$0.00} owed under same acct # XXXX. Report attached. 

XXXX XXXX XXXX - XXXX XXXX XXXX , XXXX, MS XXXX {$580.00} Both companies XXXX XXXX XXXX & XXXX XXXX XXXX are reporting same account on my credit report. No response back for Debt verification and Settlement offer sent. 


All items have been disputed and request for validation has been asked by credit bureaus and myself due to non response and inaccurate information being reported its a violation of FRCA-1681s-2.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: CAVALRY INVESTMENTS, LLC
State: TX
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: Problem with personal statement of dispute

Complaint:
Submitted Disputes and verification of debt VIA Certified mail on XX/XX/XXXX along with a settlement of debt offer to companies listed below Via certified mail, see USPS Receipts. 

None of the companies listed below have responded to the 15 day requested time frame Per the Fair Debt Collection Practices act and are still actively reporting negative debt on my credit report. 

XXXX  - XXXX XXXX  XXXX XXXX - amount stated owed {$560.00} Credit limit was {$300.00} paid. Unsure how {$560.00} is falsely being reported and no information will be returned or has been verified by company. 
XXXX XXXX XXXX XXXX, MN XXXX Calvary Portfolio XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX-amount stated owed- {$670.00} XXXX XXXX . I believe amount was paid being that on another report it shows paid in full. No response back from company for debt validation or Debt settlement offer response .XXXX  Dispute report # XXXX shows the XXXX Paid in full and acct closed by me XX/XX/XXXX. 


XXXX XXXX XXXX  - Amounts have conflicted info on reports {$580.00}, {$720.00} This collector agency has been deleted from XXXX  conformation # XXXX due to unable to verify debt but still reporting on XXXX, and XXXX 

XXXX XXXX- Amount stated owed {$1200.00} XXXX XXXX XXXX XXXX FL XXXX - XXXX CC used was not me, I asked them to provide validation of debt that it was me that used the CC. The cc was used for a XXXX XXXX whom was not me, I also sent a Settlement offer letter agreeing to pay a refused amount of XXXX for deletion. No response back to both requests. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX TX XXXX - {$7000.00} a XXXX   XXXX XXXX XXXX, XXXX XXXX, XXXX GA,30067- {$7400.00} Both companies reporting same debt and conflicting amounts owed, also XXXX  reports same acct as paid in full, and {$0.00} owed under same acct # XXXX. Report attached. 

XXXX XXXX XXXX - XXXX XXXX XXXX , XXXX, MS XXXX {$580.00} Both companies XXXX   XXXX  XXXX & XXXX XXXX XXXX are reporting same account on my credit report. No response back for Debt verification and Settlement offer sent. 


All items have been disputed and request for validation has been asked by credit bureaus and myself due to non response and inaccurate information being reported its a violation of FRCA-1681s-2.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Company: PMAB,LLC
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt was reported as unpaid on my credit report and was already paid to the original debtor. Called to have it removed and or updated and the person I talked with became very rude. This was reported after the account was paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: CITIBANK, N.A.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
i changed my card due to wear and tear. i got my new card with a different cvv - it had allowed me to use the card upon activation to withdraw XXXX. I proceeded to do another withdrawal but i get a message on the machine error XXXX as the response code. I went inside citibank and they said my account looked fine and issued me with a temp card as they order a new one. i then started to use the card to see if it worked withdrawing money and i got the same error XXXX, I went back inside the bank and they called the security department who told the manager of the bank that my account is under review. they told me that i had to wait XXXX XXXX to make a decision. i am scheduled to fly out on saturday -.and have no funds to go to my mom 's funeral. in the interim i am unable to withdraw or do anything

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 2021-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent a Certified Dispute Letter to Transunion ( Tracking # XXXX ) and it was received on XX/XX/2021. 30 days have passed and I haven't received any response from Transunion. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.

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 2021-02-24
Company: Bureau of Accounts Control
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/2020 debt collector contacted me on be half of original creditor ( XXXX XXXX XXXX ) apartment owner. The debt collector claimed I have unpaid amount of {$590.00}. Right away I checked on my bank account and saw the image of cleared check. The snapshot of the check has handwriting mark of check depositor with my apartment name on it. I contacted the XXXX XXXX XXXX to confirm, they confirmed I do not have unpaid dues. In XXXX, I received few calls from debt collector which I didn't answer since I was out of country and they left me a voicemail. 

Inspite of explaining debt collector and confirming with original debt collector. They filed a complain against me on credit report. Now they have ruined my history. Very unprofessional

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: Lloyd & McDaniel, PLC
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX  and its assigned credit collecting agency, Lloyd & McDaniel PLC, have done irrevocable damage to my credit, my livelihood, and my understanding of the credit system. XXXX XXXX, through its excessively aggressive collection techniques, and inability to comprehend that there is a fraudulent charge of {$20000.00} on this credit account, have refused to acknowledge that it is fraud, have attempted to collect on a debt that is not owed, that is under investigation by the Indiana Attorney General 's office and the Federal Trade Commission, and is currently being dealt with by our business insurance company. 

At present, XXXX XXXX continues to file lawsuits, aggressively, to collect on a balance that is not owed. Any balances that were owed by myself or my company have been completely rectified and I can not understand why this charade is continual. We have done everything in our power to avoid a countersuit, but it appears that this will be imminent as XXXX XXXX refuses to acknowledge my rights under the FDCPA and continues to collect on debt that is not owed to them and is subject to investigation by law enforcement authorities.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
yes XXXX XXXX useing my ssi information for this credit card fraud on my credit report address u need contact her XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: AES/PHEAA
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: Problem with personal statement of dispute

Complaint:
Latest dispute date : XX/XX/21 and results on XXXX account has been disputed several times ; the disputes are investigated with results stating that information is accurate and that Ive agreed to these terms. That is incorrect, I do not agree. All other student loans I had between XXXX were closed. This is the only one that keeps XXXX  me. Furthermore, the government has forgiven student loans ; During the pandemic, the government has stopped payments ( including interest ) on student loans till XX/XX/21. Please have this investigated and removed from my name. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-08
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: Old information reappears or never goes away

Complaint:
I have asked, through Credit Repair individuals, that my previous names and addresses be removed from my Credit Report. A company named XXXX XXXX XXXX has worked with me since XX/XX/XXXX. Previous addresses and previous married names that date back toXX/XX/XXXX continue to appear on my XX/XX/XXXX 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 2017-11-02
Company: NATIONSTAR MORTGAGE LLC
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Applied for a loan modification and was denied. I lost a source of income due to a XXXX. Never had a late payment in 12 years. I asked why my loan modification was denied, i was told because of insufficient income. That was the hole purpose of me filing a loan modification. They are not helping me with my situation and being able to keep my house

Company response to consumer: Closed with explanation