BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
The Bureaus are not reporting accounts I am on personally and also as an Authorized user. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
The above are all credit card accounts. I have had the cards for over one year. 

They were reported previously and now they have disappeared.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
Company: RentDebt Automated Collections, LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
i sent a letter to Rentdebt Automated Collection, on XX/XX/2020 concerning a alleged debt of {$1200.00} that i do not owe.I haven't receive anything that i requested and i also attached a copy of the letter below

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
Company: EQUIFAX, 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 have been trying to have a fraudulent inquiry removed from my Equifax report since XXXX. I have contacted both Equifax and XXXX XXXX XXXX XXXX XXXX about having this removed, and they both blame each other for it being there. I have the document sent to XXXX XXXX XXXX XXXX XXXX, and the listed times I contacted Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: SUNTRUST BANKS, INC.
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I paid a bill using SunTrust 's online bill payment. I received an email the next day saying I was now enrolled in their " ebill '' program and would no longer receive paper bills but have my bills emailed to me. I DO NOT WANT this and did not authorize them to do this. I called ( and was on hold for over 15 minutes ) and spoke with a rep. They said they could not cancel this. I told him I never enrolled or wanted this service, they gave it to me. He refused to cancel this and I asked to speak to a manager His manager, XXXX XXXX, got on the line. I explained to her SunTrust enrolled me in this service, I did not want it, and I wanted it cancelled. She refused to do so. I informed her I would be filing a complaint with the CFPB, With what happened with the XXXX XXXX unauthorized accounts I am shocked that another Bank would be engaged in practices like this today. I can not believe a Bank would enroll me for a service without asking for my permission or authorization and then refuse to cancel it. I want the EBill program cancelled on my account asap.

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 2019-10-10
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Debt Collector : ProCollect XXXX XXXX XXXX # XXXX XXXX TX XXXX, Representative for this company is a Mr. XXXX, I have repeatedly asked that all communication with this company be via mail, they still continue to call and call at any hour of the day. They also continue to call my employment even though they were never given this number and have been asked to not contact. I have repeatedly asked that they not contact my Ex-Husband on his cell phone regarding a debt that is not associated with him at all ( divorce final over 6 years ago, debt is from 2019 ), the last call was on XX/XX/19 to his voicemail. I have sent a certified letter XX/XX/19 to this company specifying their violations.

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 2018-01-25
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 is missing that should be on the report

Complaint:
I recently received a copy of my XXXX and Equifax credit report and I notice there is three unauthorized credit inquiry on my credit score. I do not recall authorizing this credit inquiry. I have contact XXXX and Equifax to please remove these inquiries but in the end it turn to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX XXXX, 2018 I sent a certified letter to the company Portfolio Recovery Associates regarding a debt that is reporting on my credit report. The letter stated them to validate NOT VERIFY a debt that they was attempting to collect from me. I specifically asked for a signed agreement and other documents validating this debt. They sent a letter that clearly does not validate this debt by which does not prove that I am not obligated to pay them anything. They have reported delinquent information to the credit bureaus that i am asking to be deleted. I have no known relations with this company. Also the letter they sent me contains the last four digits of a social security number that is not mines.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
Company: ACS Education Services
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I received a loan in 1999 for a mere {$5000.00} to go back to school. I became pregnant, and had to stop attending college. When I discussed doing an income based repayment, I was told no, and that I could easily just go into forbearance until I was financially able to repay my loan. I was never informed of the $ XXXX/month interest I was accruing. And wasnt informed until I was sent a bill for over {$20000.00}. Because Of interest, I have been paying over $ XXXX/month for years, owing well over {$30000.00} on a mere {$5000.00} loan. I received a measly {$100.00} check due to the lawsuit. But I am still paying an astronomical amount for a loan I have paid back, plus interest already. I still have 10 more years to pay back $ XXXX/month loan for an {$5000.00} loan. This is criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: SUNTRUST BANKS, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Instrument # XXXX Sold to XXXX XXXX XXXX see attached letter SunTrust Mortgage NOT the servicer, NOT the loan holder, NO NOTE. 
Loan # XXXX After the sale and transfer of the mortgage and Note XX/XX/2006. 
A Lien Release should have been filed by LAW, with the clerk of court 15 Years ago.

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 2017-10-04
Company: Veros Credit, LLC
State: LA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I owned a vehicle financed by Veros CrediXXXX XXXX at XXXX XXXX, Ca. The vehicle was XXXX to their possession but they recorded this erroneously as a XXXX as opposed to a voluntary XXXX. Furthermore, the vehicle was auctioned for an amount up to the value of the remaining loan balance and Veros Credit ceased reporting this to the credit bureaus as such. Instead, they are reporting that I owe the an approximate amount of {$4600.00}. They have done this for over 60 days. Additionally, when I spoke with a representative prior to the auction, I was advised that any monies obtained from the auctioning of the vehicle would be applied to the account and would therefore reduce my liability by that same dollar amount. Veros Credit has been made ware that they have been reporting incorrectly. I would also like to note that I am not interested in direct contact with the company. They may only reach me through the means of the CFPB. The mailing address, nor any other applicable personal information provided is not to be reported to any consumer reporting agency, nor to be used in any attempt to collect any debts, especially due to the fact that it is a disputed issue. Give our relationship in which they engendered mistrust, Veros Credit does not have my permission to utilize any personal information in any manner, not even for their purposes. The keys to the vehicle were provided willingly to an agent appointment by Veros Credit, which is therefore an implied surrender of the vehicle. In short, that is not the only aspect of the account/reporting that is being disputed as untrue/problematic, but also the collection amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: DISCOVER BANK
State: NY
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:
Opened a secured account to build credit now my score is the middle XXXX and the account has been over a year close to 2 years and Discover refused to return the {$250.00} dollars deposited. 
Month after month saying I do n't qualify for promotion to the next level. However, I have received two major credit cards in which 1 is {$4000.00} limit and the other {$1500.00}. Furthermore, I have never been late and Discover is trying to say because of their system glitch that a payment defaulted back to my husband 's account which he closed. Discover received a NSF on a payment. However, I called 24 hours later and talk to rep at Discover which she verified my statement an no fee or late payment was reflected. 
What will it take for Discover to do the right things for the consumers or will we see years later a class action and government fines like XXXX XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is missing that should be on the report

Complaint:
I recently received a copy of my Transunion and XXXX credit report and I notice there is three unauthorized credit inquiry on my credit score. I do not recall authorizing this credit inquiry. I have contact Transunion and XXXX to please remove these inquiries but in the end it turn to no avail.

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 2022-11-18
Company: EQUIFAX, 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:
I want to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2018-06-01
Company: HYUNDAI CAPITAL AMERICA
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: Account status incorrect

Complaint:
I recently turned in a XXXX XXXX XXXX leased vehicle and just traded another XXXX XXXX XXXX leased vehicle. BOTH had perfect payment history and XXXX XXXX XXXX has placed a 30 DAY LATE for each lease on MY credit and my wifes credit report AFTER the 1st was turned in and AFTER the 2nd was FULLY PAID OFF IN TIME which is FALSE AND INCORRECT. THEY ARE REPORTING FALSE 30 DAY LATES EVEN THOUGH PAYMENT HISTORY WAS PERFECT AND THEY WERE BOTH TERMINATED/PAID IN FULL 20 DAYS PRIOR TO ANY OTHER PAYMENT BEING DUE. THEY REPORTED THIS 3 MONTHS AFTER BOTH WERE TERMED/PAID OFF which is an ERROR on their part and creating a credit nightmare for me and my wife right now. 

They corrected 1 when I filed a complaint with the 3 bureaus and they JUST put it BACK ON MY CREDIT FILE AGAIN today. This has Never happened before with any finance company and I have NEVER BEEN LATE ON A PAYMENT WITH ANYONE!! XXXX IS FRAUDING ME AND OTHER CONSUMERS BY DESTROYING THEIR perfect credit. I believe it is because I DID NOT PURCHASE/LEASE ANOTHER XXXX someone needs to start a class action lawsuit to stop them!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I noticed that there was a MAJOR drop in my credit score in the past two months but nothing has changed on my end. I have not been delinquent on any accounts and I can not find any negative impacts on my credit report to be affecting the score so! It dropped from the mid XXXX to XXXX! I am diligent about paying everything on time. I did notice that my current employer is not listed, and I spoke with my employer yesterday about this. ( XXXX XXXX ) also, I see that there is an open account from XX/XX/XXXX-XX/XX/XXXX for XXXX XXXX for an apartment I rented years ago in California. I do not know what exactly has caused my score to drop so dramatically but I need it to be reviewed please because I have worked very hard to assure j maintain a great credit score and am currently looking to get an auto loan.

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 2018-01-25
Company: National Credit Adjusters, LLC
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: Information belongs to someone else

Complaint:
I have sent out letters to credit bureaus for accounts that I did not recognize and those reporting incorrect information. I have not received any correspondence from the companies or credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Good Evening, My Name is XXXX XXXX, I would like to file a compliant against CHASE. I've tried numerous times from getting denied for a modification to trying to sell my home. Chase has blocked my efforts at every turn. I have a 3 family property and because I am in default due to non paying tenants. Chase has denied me numerous times for a short sale and keeps saying HUD is denying it based that I was not supposed to rent out my property. This is absurd this is a legal 3 family, this is how I qualified for this house in the first place by the rental income this property was generating and now HUD is denying me a chance to sell my home at a short sale because I rented this property out years ago? 

I am asking for some help here. I had my realtor reach out to them again today and I am going to resubmit a short sale package for the 8th time. IN the hopes with your intervention I can finally get approved for a short sale and I can move forward with my life after this sale is over. 

Regards XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have an account that was reinserted on my credit from a company that I have never done business with : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX they sold this account to some 3 party junk debt buyer and I never recieced any 30 day notice or contact what so ever. I demand this account be deleted at once due to several FDCPA violation and FRCA violations. I never signed any release for my HIPPA act protected medical records to anyone at any time. 
I have been effected by the COVID 19 Pandemic shutdown and was not able to work due to restiction in the state of Florida I has a few late Payments from XXXX XXXX XXXX XXXX # XXXX I request they be removed and from my credit report.Looking over my credit report I noticed there were some late payments showing and due to the pandemic/hardship I was not able to make those payments on time. The following accounts are listed that show late payments for 2020 XX/XX/2020, XX/XX/2020, XX/XX/2020, XXXX, XX/XX/2020.

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 2020-02-10
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
LoanCare has reported my XX/XX/XXXX as late. My payment of {$2700.00} was sent through my online banking and cleared my checking account on XX/XX/XXXX. Somehow LoanCare could not locate my account and apply my mortgage payment. Loancare held on to my payment and didn't return it back to my bank until XX/XX/XXXX. 

As soon as my bank notified me on XX/XX/XXXX, I took care of the mortgage payment. When I saw that this impacting both our credit scores, I wrote a letter to LoanCare on XX/XX/XXXX. I have yet to receive a response on this error. 

Why do we have to be penalized when we sent payment on time, LoanCare held on to the payment ALL month and by the time they sent it back to my bank pn XX/XX/XXXX it was already more than 30 days late!

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 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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 XXXX XXXX, has violated my rights. 

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 a account without my written instructions

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 2019-07-13
Company: M&T BANK CORPORATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
M & T Bank is using escrow ( Tax, and Insurance ) tactic fabricate default of my mortgage, while increasing my monthly mortgage payment from {$860.00} to {$910.00} ; A the same time M & T Bank has refunded escrow excess of {$980.00} within the past 12 months. M & T Bank also claim that I have a default mortgage balance of {$2700.00}, given the fact that I have consistently made mortgage payments of {$870.00} for the past 15 months. I've called them about this discrepancy, and they continue to ignore my inquires while saying its due to changes in my Taxes and Insurance. I vehemently disagree, my real-estate Tax does not change given the fact that I have 20 year Tax abatement with the city of New York ; I currently on year 13 of that tax abatement. In regards to Insurance, I have sent evidence of my home owners and condo insurance to M & T several times. Mortgage premium and the default increase is unfounded ; I have express this to M & T but rudely treated with collection tactics and told to pay excess amount.

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 2021-08-17
Company: TRUIST FINANCIAL CORPORATION
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
regional acceptance been pay in full auto loan not show pay in full need be correct soon as possible

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 2018-03-27
Company: Monterey Financial Services LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I opened a XXXX account in XX/XX/XXXX, I paid the full amount in XX/XX/XXXX. The account was close and Monterey reopened the account on XX/XX/XXXX. There was no actual contract and the amount was paid in full for {$1000.00} now it stated that I owed {$3000.00}. False information and amount. Im no longer reliable for this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation