BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-05
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Not really seeing this issue on your check list prior to this page. But I put money into my Huntington Bank Savings account on XX/XX/XXXX in the amount of {$21000.00} on XX/XX/XXXX I received an email ( attached ) saying " Bring this coupon to a branch, visit a branch before XX/XX/XXXX. Hurry, this is a limited time offer, and you need this coupon code to get started. '' and get a {$100.00} bonus. 
I showed XXXX at the bank on XX/XX/XXXX, the email and she says I would get the money in 5 to 10 days. No money, so I talked to a XXXX XXXX on XX/XX/XXXX and she says it takes 60 days from XX/XX/XXXX to get the {$100.00} Bonus. No money, went back in XX/XX/XXXX talked to XXXX and he says he has to send email to there back office. Then they tried to say the offer didn't start til XX/XX/XXXX and I disputed it with XXXX that the email says bring coupon in a branch BEFORE XX/XX/XXXX Which I did and about a week later they said that it had been approved for me to get the {$100.00} bonus money. No money, so on XX/XX/XXXX I spoke with XXXX XXXX at the Bank and she says the {$100.00} would be deposited in my savings account in 7 to 10 days. No money, On XX/XX/XXXX I told XXXX XXXX no money yet, she told me the guy was on vacation and back on XX/XX/XXXX No hear from anyone, called the bank XX/XX/XXXX and XXXX XXXX says she would email them again. NO Hear from them yet and NO MONEY.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-22
Company: I.C. System, Inc.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I recieved A collection notice from company called I.C. system on XX/XX/XXXX about a XXXX  past due account This is the 4th collection agency that has contacted me since XXXX. XXXX XXXX  complaint # XXXX XX/XX/XXXX and also XXXX XXXX XXXX complaint # XXXX and also # XXXX XXXX XXXX  XXXX/XXXX XXXX refused in the past and still refuses to respond or return calls on this matter I keep having to dispute. Short story was disconnected XX/XX/XXXX still billed me in error even though I had called and turned in equipment will not credit me the balance Recieved new service XX/XX/XXXX paid past due balance the told me I had to pay to get new service came back about a month later saying I owed them more I still have XXXX  at present time same address

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 2019-09-08
Company: Westlake Services, LLC
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a car loan from Honor finance was going through a tough time lost job and had a repo. I did not want a repo on my credit so i contacted Honor finance and made an arangement with them to pay back what i was behind on and that i would get the car back. I made my payments every two weeks to catch up i called to make my last payment to honor fiance to get my car back and came to find out the company no longer exists and that they claimed bankruptcy. Due to the bankruptcy my account was reffered to another company called west lake finacial i called them to make my last payment and get my car back to find out from one of there reps that my car was sold in auction and that they had no information of the deal i had worked out with my original company honor finance i am disputing the dept since my arrangements that were set with my original financing company were not followed on there end. I have emails from my original financing company of our agreement and feel as if i was being lied to and cheated out of my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: Mobiloans, LLC
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: Information belongs to someone else

Complaint:
False credit inquiry. I contacted the company, but I did not feel comfortable sharing my personal information over the phone.

Company response to consumer: Untimely response
Consumer complaint received 2022-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I recently became aware that someone has been using my social security number to open checking accounts, lines of credit and car loans. There has been multiple applications to companies i am not associated with and the amount of inquires on my report are starting to hurt my score. 

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 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 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 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 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 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 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 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 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 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 XXXX XXXX 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 2021-08-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

XXXX XXXX XXXXXXXX Inquired on XX/XX/2020 Inquired on XX/XX/2020 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08
Company: NEW YORK STATE HIGHER EDUCATION SERVICES CORPORATION (HESC)—
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
This was a Private Student loan that was issued by XXXX XXXX, and now NYSHESC is garnishing my salary for this loan. NYSHESC has never taken any legal action against me to retrieved the funds, and the statue of limitation has been expired over 16 Years ago. NYSHESC does not owned this loan nor was it sold to them. I have send numerous letter to them and they have disregard them. For garnishment Process. Unlike federal student loans, a private lender must proceed by filing a complaint on the defaulted student loan in federal or state court. That means typically the borrower will receive personal service of the summons and complaint, with an opportunity to answer, raise defenses, and appear in Court. This never happened. They are trying to collect on a loan that they do not own. Private student loans can not directly garnish wages without a judgment. So, for a private student loan servicer or collection agency to garnish your wages, that entity must first sue you and obtain a judgment. Guaranteed student loans ( e.g. federal, state, or non-profit guaranteed loans ) can directly garnish your wages without a judgment. there are no Judgment against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08
Company: Porania, LLC
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:
We filed for bankruptcy back in 2010, years later we won a court settlement and paid off our bankruptcy through the court settlement. the bankruptcy still shows open on our account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: Resurgent Capital Services L.P.
State: NE
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter dated XX/XX/2021 from XXXX XXXX XXXX XXXX claiming they are trying to collect an alleged debt of {$680.00} for the " current creditor, '' LVNV Funding LLC, which is a debt collector that is attempting to collect an alleged debt for another creditor, XXXX XXXX XXXX, XXXX. 

There has been no verification or validation of an alleged debt from LVNV Funding LLC, nor any proof that either company is legally allowed to collect debt in the State of Nebraska.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I would like to open a bank account which is essential to my financial health. I was able to unfreeze easily with XXXX and XXXX. However, with Equifax, I am unable to unfreeze my account despite calling and using the website. I will need help from Equifax to avoid incurring personal financial damage due to Equifax 's mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08
Company: MIDCOUNTRY FINANCIAL CORP
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This company has reported a charge off on my credit report. I paid this account in full through a wage garnishment. Garnishment stopped when it was paid in full, yet it is now listed as a charge off. When I called the company, they state the debt was not paid XXXX full and garnishment was stopped in error. This is absolutely NOT true. I want this charge off and all bad reports from this company removed from all of my credit reports

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 2019-09-08
Company: BMW Financial Services NA, LLC
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XX/XX/XXXX I settled and paid on BMW Charged off account in the amount of {$4500.00}. I have notified the company on several occasions that are still reporting the account as a charge off last payment received XX/XX/2019 and not reporting as the stated letter of the settlement. 

I have contacted and sent proof /documentation to all three credit bureaus and they are saying that BMW is stating that the payments are reporting correctly per BMW. 

The reporting is inaccurate as of XX/XX/2019 on all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: Paypal Holdings, Inc
State: MN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XX/XX/XXXX Issue 1 : Paypal authorized, allowed, and debited from my checking account ending in XXXX, two transactions with high balances on XX/XX/XXXX. These were allocated to pay my normal living expenses and have caused me hardship to pay my creditors. 

These do debits from my checking account were unauthorized. 

I have contacted Paypal and was told it would 10 days to investigate! These funds need to be credited immediately to my checking account ending in XXXX. 

Issue 2 : Lastly, I have a contractor building the deck to my home. I authorized Paypal to debit from my checking account ending in XXXX in the amount of {$240.00}. Paypal received these funds and have indeed been given to Paypal. Paypal has placed these funds on hold until XX/XX/XXXX, despite having received these funds. 

I contacted PayPal directly regarding both the unauthorized and the funds they are withholding from the contractor. Paypal refused to release the funds back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I'm perplexed about the way this account is reporting on my credit report consider it's already paid off. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I looked at my credit report today and I found inaccurate information. I have never lived in XXXX, IN. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX OH XXXX. Please remove the following addresses they are not mines XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, CA XXXX XXXX XXXX XXXX XXXX , XXXX  , OH XXXX XX/XX/2014 XXXX XXXX XXXX , XXXX , CA XXXX XXXX XXXX XXXX , XXXX  , OH XXXX XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX  , XXXX , IN XXXX XXXX XXXX XXXX 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 2018-11-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I received a deposit for startup ( XXXXk ), to my BofA business account, used the funds accordingly, every transaction is accounted for, 5 days later my account was closed at banks discretion, no explanation, other than due to depository guidelines

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 2019-05-17
Company: Fidelity National Information Services, Inc. (FNIS)
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:
I am a victim of identity theft. The information listed in this package, which appears on my credit report, does not relate to any transaction that I have made. It is the result of identity theft. I was incarcerated from XX/XX/XXXX until XX/XX/XXXX. During that peiod some one used my identity to purchase houses, open several bank accounts, apply for credit, file taxes and seek medical care.

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 2019-09-08
Company: HEARTLAND PAYMENT SYSTEMS INC
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I did not notice that anything was wrong with my student loans until this morning. I have paid my loan payment through auto-payment for years with the exact same checking account. No information for my checking account has changed. I never received statements from Campus Partners, who was previously my loan servicer until XXXX/XXXX/19. The only info I have received in years, other than tax forms, was notice recently that my servicer was changing. I have gotten no emails, phone calls, or paper bills. 

This morning, I happened to get a notice from one of my credit card accounts that my credit score had changed. I pulled my credit report and discovered my score has dropped from an XXXX to a XXXX! I looked into the details and noticed my student loan payments through Campus Partners were marked as delinquent. This is the first and only time I was made aware of this, and only because I pulled my credit. {$140.00} has been debited from my account automatically on the 15th of every month for years. I tried to access my account on the Campus Partners website to see what was going on, but I no longer show as having an account with them. I also can not access my account through the new servicer. 

I called my bank XXXX XXXX XXXX XXXX XXXX to see if they could help me figure out what happened. They said that they show zero efforts from Campus Partners to draft my account since XXXX of this year. There were no NSFs on my account. Ive had plenty of funds to make the payments every month. Campus Partners simply didnt do what I asked them to do and auto-draft the payment, nor did they tell me it was no longer set to autopay or that payments were late. They simply waited nearly 5 months and then reported me delinquent. Had my credit card not told me my credit score changed, I would still not know. The last draft on my checking account was on XXXX/XXXX/19 for {$140.00}. My bank said theyd be happy to provide info showing that no attempt was made to draft the funds and that no payments had ever been denied. 

Im happy to pay every penny I owe, and I would have already done so, if Campus Partners had told me there was an issue with my payments. Ive never been delinquent on any debt in my life. Ive responsibly paid on this student loan for over 10 years, and I feel it is wrong for them to treat me this way. Ive spent years building my credit score of over an 800. This is simply unethical, and I ask for your help in resolving the issue and getting my credit restored.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account XXXXXXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX have violated my right 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without any written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: Experian Information Solutions Inc.
State: SC
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:
date XX/XX/14 looking at my credit report you are reporting inaccurate information from XXXX. 1st you are listing this account as a CHARGE OFF not a repossession which is a violation. 2nd the high balance isnt the same balance. Experian/XXXX  is reporting {$27000.00} and XXXX  is reporting XXXX if you all are getting the information from the same collector why are the numbers different? 
this needs to be deleted off all 3 of my credit reports immediately. Also after numerous times of asking a representative they could never VALIDATE this inaccurate debt. 

plz see attachment below

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