BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-26
Company: M&T BANK CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
We utilize Regions online Bill Pay, and made a payment to M & T Bank on XX/XX/2016 for an RV loan. In XXXX of 2016, Regions put the payment amount of {$670.00} back into our account because M & T bank never cashed the payment. We have not been able to get an answer from M & T Bank as to why they did not accept the payment. We did not catch the redeposit transaction until working up the taxes this year. 
We did not get any notice from M & T of a past due amount, and when I called to inquire, was told it was my fault because I did not notify them of an address change. However, I receive a monthly reminder through email that would constitute a point of contact, but M & T chose to ignore that, and churned the account with late fees. 
I contacted XXXX about my bill pay account to get documentation so that I could prove I made the payment, that is when I found out about the redeposit in XXXX. Because M & T did not cash the payment, XXXX  could not provide the documentation, nor could they provide documentation of our checking account more than 6 months in arrears. They sent a letter to M & T Bank, which I believe M & T Bank ignored. The letter is attached. 
I MADE THE PAYMENT IN GOOD FAITH, but made the mistake of relying on the online banking system for documentation, which there really isn't any after 6 months. 
Please address this issue, I am a business owner, and about to change ALL my correspondence back to paper copies and forget online banking.

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 2020-07-24
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: Information belongs to someone else

Complaint:
I have several items that are listed on my credit report that are not mine and are fraudulent, errors and incorrect as none of the accounts are mine. XXXX XXXX appears on my report twice and I have requested these fraudulent accounts be removed from my report as letters were sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX These accounts are keeping me from buying a home and making it impossible to move forward with my life. 

XXXX XXXX - balance is showing as {$1500.00}, dates open XX/XX/XXXX closed XX/XX/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 2020-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$360.00} XXXX XXXX {$640.00}

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 explanation
Consumer complaint received 2018-04-16
Company: Experian Information Solutions Inc.
State: PA
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 contacted all three companies bureaus XXXX, experian, and XXXX on numerous occasions regarding my personal credit report wanted to know why my credit score keeps dropping when in fact i never apply for credit and my bills are always paid on time.example signed up with experian credit monitoring service, however i'm at a XXXX credit score for 3 weeks, then i check on XX/XX/2018 and my score dropped 9 points over night in addition my score dropped 18 points with XXXX, and 10 points with XXXX, so my plight is if all my bills are being paid on time and i never applied for more credit and there is no negative information being reported then why is my score dropping this appears to be an personal vendetta against me for having lawsuits with all 3 credit reporting companies in the past.In addition they are not reporting that i have a mortgage which i signed on with wells fargo bank as well. They are also reporting accounts which have been resolved with XXXX  XXXX XXXX and ect. Please help me resolve these issues because it appears they have a personal vendetta against me for filing lawsuits against them for wrong doings.

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 2018-07-17
Company: ERC
State: OK
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:
We have not had services with XXXX since XX/XX/XXXX, they are saying we opened an account with XXXX on XX/XX/XXXX for the amount of {$790.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX XXXX XXXX is showing 3 late payments on report. There are no late payments on this 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 2020-06-03
Company: Experian Information Solutions Inc.
State: VA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX SSN : XXXX DOB : XX/XX/XXXX Re : Creditor/Debt Collector Amount Owed This letter is in regard to a phone call I placed to your company regarding the accounts listed on XX/XX/XXXX ( calling asking for a legal debt validation ). I called to inquire about these accounts that are listed on my Credit Reports. I spoke to a Customer Service Representative. 

She informed me that she was unable to provide me any legal documentation proving that any of the following accounts are legally valid : XXXX XXXX {$18000.00} XXXX XXXX XXXX  XXXX {$5600.00} XXXX XXXX  XXXX  {$580.00} XXXX  XXXX  XXXX  {$18000.00} XXXX  XXXX  XXXX  {$3600.00} XXXX  XXXX {$0.00} XXXX XXXX - SOUTH {$1300.00} How did you investigate this account without any documentation? You havent provided me with anything not even an account number. Its incredibly frustrating because it affects my ability to get a place to live and a job. 

I need this debt validated or remove all information regarding this account from my credit reports. I am not requesting a copy of the credit report. I am asking for proof that I opened the accounts because they arent mine. They belong to someone else. 

If this incorrect information is not removed from my credit reports within 30 days, I will file suit against your company for violating FCRA section 623. I am including a copy of this letter to my attorney. 

I only wish to communicate via mail. Please do not call me. 


Sincerely, XXXX XXXX XXXX Cc : 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 2020-07-09
Company: SYNCHRONY FINANCIAL
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have tried for months to resolve and settle this account. First it was with Walmart, it's been tossed around with XXXX  XXXX and Synchrony Bank, now it's with XXXX XXXX  XXXX. I have called and called many times. NO RETURN CALLS. I have left messages with Mr. XXXX, XXXX and XXXX. NO RETURN CALLS. No communication whatsoever. I have filed complaints before and XXXX XXXX XXXX said they didn't have it. I call Synchrony Bank they say they do. Finally today they say they do have it. No return calls after 4 calls! This is wrong. They are harassing me. I am sick of it. Synchrony Bank says they own it but refuse to take a payment or try to settle this. Please help me. I will be filing a complaint with the Missouri Bar Association.

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 2022-08-08
Company: EQUIFAX, 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: Account status incorrect

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  XXXX Balance : {$270.00} XXXX XXXX XXXX XXXX**** Balance {$13.00} XXXX XXXX Balance : {$78.00} XXXX XXXX Balance : {$11000.00} XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I had a venture credit card with capital one. I had lost the card and requested a new card. After few days, a screen popped up on capital one mobile app asking if I would like to upgrade my card from venture to quicksilver. Comparison showed that currently I am getting XXXX reward for every dollar and with new card I will be getting XXXX. Rest of the terms are same. Who will not upgrade it? I accepted it, but after conversion I see that all my miles have been converted to dollar. Miles had more values. I called capital one back that your comparison did not mention that miles will be converted to Dollars. They said that I can not go back and ended up taking dollars than miles. This is clearly a fraud for having customers take the cash back than dollars which has more value. I was upset and ended up closing the account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: EQUIFAX, INC.
State: OH
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:
I tried to sign up for the fraud alert offered by Equifax and have had a terrible time doing it. I started the computer-based process on XX/XX/XXXX and was told after entering a small amount of information to come back to the site to complete the process the next day. Why? That is but the first oddity. Upon following that instruction on XX/XX/XXXX, I had a question, so decided to call. Thus started the fall down the rabbit hole. Busy, busy, busy, then on hold, on hold, on hold, and an hour went by, then all of a sudden the phone went to a busy signal again! I started the call process again just out of sheer cussedness and after another 45 minutes reached a person. I quickly determined that she did not know what she was talking about and could not answer my question. 
Although frustrated, I played around on the computer a bit more and found the page to complete the fraud alert registration, and discovered that they want me to enter all kinds of sensitive information, i.e. Social Security number, date of birth, my middle name! Are they crazy? They already compromised my financial information by allowing it to get hacked, and now they want me to put it into cyberspace again, just in case the criminals missed something the first time! Can you help with this craziness?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Received a letter from Chase that they are closing my credit card account, which I have had for 18 years, based on a 'reputational risk ' to the bank. When calling, they confirmed the letter is legitimate, but will not provide any additional information other than accusing me indirectly. Specifically stating that I must have done something that would create regulatory risk or potential fines for Chase, such as when someone opened an account at a XXXX dispensary ( which I have not done ). They refuse to provide any other information, other than essentially accusing me of illegal activity ( they mentioned money laundering as well ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
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: Old information reappears or never goes away

Complaint:
My consumer statement is inaccurate. This section of my credit report should be blank because I have not provided the company with a statement. Somehow, the details of a former dispute, have been copy pasted into that section. I have asked Equifax over a period of several months to remove it and they just won't. The statement is inaccurate and I have disputed this item multiple times to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: Commercial Acceptance Company
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:
This alleged XXXX XXXX XXXXgency failed to contact me within five days of receiving my dispute of alleged debt account # XXXX in doing so they violated Title 15 1692g ( a ) also this alleged collection agency failed to respond to my dispute it now has been over 45 days and this alleged collection agency has not ceased collection of the disputed debts violating Title 15 1692b.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02
Company: WELLS FARGO & COMPANY
State: IL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is a follow up complaint to Claim Number XXXX. I received a letter from Wells Fargo indicating I was contacted by phone On XXXX XXXX,2008 and  verified information as a co-signor on a Private Student Loan. I have asked for more details on the telephone conversation since I do not recall having such a conversation NINE YEARS later.

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 2020-08-24
Company: NRA Group, LLC
State: RI
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I submitted a complaint just the other day and the companies response is the same as it has been since I started this. They keep telling me to contact the " client '' which is XXXX XXXX. XXXX XXXX   sent me a packet which I filled out and mailed back as well as faxed over to them back in XXXX. This is completely unacceptable response. XXXX XXXX needs to get their stuff together and organized and this company needs to remove this false information off of my report immediately. I have kept records of all the information and letters I have sent and ready to file legal action if it is not removed promptly. I've attached the fax I sent as well as the previous complaint response below : Company responded on XX/XX/2020 RESPONSE TYPE Closed with explanation Company 's Response NRA Group , LLC has received this complaint. The consumer was advised to fill out the dispute packet and mail it back to the client. We provided them with this packet and billing on XX/XX/2020. The consumer will need to fill out what we sent them, follow the instructions and mail back to the client. Per the client the {$90.00} is owed.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: First Advantage LNS Inc.
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
National Credit Audit Corporation ( NCAC ) XXXX XXXX XXXX XXXX, TX XXXX. Is a debt collection agency, reporting on all three major credit agencies ( XXXX, XXXX and XXXX ) an alleged owed debt. I have reached out to National Credit Audit Corporation ( NCAC ) disputing this information. National Credit Audit Corporation ( NCAC ) has failed to validate this debt. At no time have I entered into any agreement with National Credit Audit Corporation ( NCAC ). And National Credit Audit Corporation ( NCAC ) can not provide any legal documentation with my valid signature of any alleged rental agreement. National Credit Audit Corporation ( NCAC ) is a debt collection organization, and the alleged original creditor is an apartment complex. The original credit has reported they have no ties and/or affiliation with National Credit Audit Corporation ( NCAC ). 

On XX/XX/2019 I received written notification of this alleged debt. On or about XX/XX/2019 and again on or about XX/XX/2019 I requested the following of National Credit Audit Corporation ( NCAC ) : in accordance with Section 809 - Validating Debts of the Fair Debt Collection Practices Act. National Credit Audit Corporation ( NCAC ) continues to fail to validate this debt and provide original documentation of the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay National Credit Audit Corporation ( NCAC ) what you say I owe ; Identify the original creditor ; Provide a verification or copy of any judgment ( if applicable ) ; Show me that you are licensed in my state and provide me with your license numbers ( if applicable ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-24
Company: Exeter Finance Corp.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
In XX/XX/2019 my XXXX year old XXXX died and I was desperate for a car so I went to XXXX in XXXX WI. I had a bankruptcy on my file but other credit cards with exceptional repayment history. The only loan they offered me was Exeter Finance in Texas at 28 % interest. Normally I would NEVER take out a loan with this high interest but I was desperate. They should NOT have approved me for a loan at all!!!! XXXX told me I should be able to refinance it in 6 months. So I called Exeter at 6 months and they refused to refianance the loan. There is also an arbitration clause in the agreement that they demanded I sign and I was unaware of what it really meant at the time. They went through the paperwork so quickly I don't even remember signing it! Now it's over a year later and with COVID I've missed about 6 or 7 payments. They put 4 payments at the back of the loan and told me I would still be paying interest on the missed payments so I would owe even more money so it really was no relief. I've told them to come repossess the vehicle but they haven't done it. I even had it parked in a paid garage to keep it from damage!! To date they haven't picked it up. I had to move it because I cold n't afford to keep paying for the covered parking garage for it. They refuse to refinance and refuse to lower the interest rate. This is a {$19000.00} car! I owe {$24000.00} plus on it!!! More than I originally financed! The payment should be no more than {$250.00}!! This is the equivalent of a {$45000.00} car!!! It's predatory!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: Thunderbird Collection Specialists, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have mailed several certified requests to validate debt that I do not owe from Thunderbird Collection Specialists. Company consistently refuses to respond providing ORIGINAL documents under the Fair Credit Reporting Act.

Thunderbird Collection Specialists responds with false invoices with misleading information including invoices with incorrect addresses ; documents created from its internal accounting system.

*Thunderbird Collection Specialists has received Countless complaints identified on the XXXX XXXX XXXX ( XXXX  ) web site from consumers for violating rules relating to the Consumer Financial Protection Bureau and the Fair Credit Reporting Act.

Note : Thunderbird Collection Specialists has been informed and contacted, but continue with its illegal practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: CONTRACT CALLERS INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Calls excessively during the day, no one answers the phone when I pick up, the phone number harassing me is 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