BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-12
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: Account status incorrect

Complaint:
XXXX XXXX XXXX is reporting my CLOSED - paid off - mortgage - XXXX XXXX account XXXX - as delinquent -120 days. 
This morgage has been closed and paid off on XX/XX/2017! Need this to be fixed ASAP. This account has never been delinquent and/or late and it is closed as XX/XX/2017

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 2020-12-15
Company: Experian Information Solutions Inc.
State: GA
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:
Because I asked for validation of debt when I physically mailed certified letter to the creditor of the alleged debt posted on my report but there is no way to reach them as they deliberately put bad address. The credit bureau did not verify anything and just leave it. How come they put it is in dispute when it was not validated.

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 2019-01-12
Company: SYNCHRONY FINANCIAL
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Please be advised that my statement is not necessarily a complaint but more of a request. Three years ago I went through a number of serious financial setbacks, including a medical condition. Several of my accounts went into default. However, I still desire to see if I can settle each one of them. I do not desire to file for bankruptcy at this time, but I realize that is still an option. Therefore, I am respectfully requesting settlement offers to be mail to me within the next few weeks, and I will do my best to borrow funds from family members to satisfy each settlement as they come in.

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 2020-08-27
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: LA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Vin # XXXX Account # XXXX XXXX XXXX I leased and turned the car in the same year. The date I turned the car in was XX/XX/12. I called and said the balance would stay on my credit report as long as the balance wasn't paid. The account is over 7 years old. Please remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I get calls for anyone with the last name XXXX. The most recent call was for XXXX XXXX. This person does not live here. I want the calls to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-12
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was purchasing 4 tickets with parking passes from XXXX XXXX who advertised the tickets on XXXX. The tickets were for the XXXX XXXX vs XXXX game on XX/XX/2018 at XXXX XXXX at XXXX XXXX XXXX XXXX in XXXX Texas. I transferred the agreed upon amount of {$400.00} thru XXXX on XX/XX/2018 within my Wells Fargo App to XXXX XXXX who also had a Wells Fargo account. Our correspondence throughout this process was thru text messages, which I still have on my phone, and the seller ( XXXX XXXX ) confirmed he received the {$400.00} and was starting the transfer of the tickets to my XXXX account. I never received the tickets. When I text him back he did not reply. So I attempted to call and he had blocked my number. I called Wells Fargo and they opened a claim and assigned it to their fraud team. After several days they finally called me to say that there was nothing they could do, and that they dont guarantee goods and services. They did confirm XXXX XXXX had an account and confirmed the transfer of {$400.00} from me to him but would not give me any other information. They said all I could do at this point is file a police report. Ill I have for information of the individual ( scammer ) I sent the money to is his name ( XXXX XXXX ), his email ( XXXX ), and his phone number ( 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 2019-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
TransUnion is not correcting my name nor incorrect addresses on my credit report. They have my twin brother 's name on my report and I never had the name XXXX. My name is XXXX XXXX XXXX. Trans Union has mixed up my credit with my brother 's and admitted it but they won't fix it. I have had a dispute with them for over a year now and I'm losing patience and may consider hiring an attorney for this matter!

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 2019-01-12
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This debt was removed from all credit bureaus several months ago. It was not removed as a result of a bankruptcy ( Ive never filed for bankruptcy ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-14
Company: Cedars Business Services, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
repeated calling and emailing for debt collection without disclosing the issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Company: Resurgent Capital Services L.P.
State: IL
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:
XX/XX/2016 I received a letter from a collection agency demanding payment for an account that I did not open. I began to investigate immediately and discovered a payment was deducted from my bank account that I did not authorize for a furniture store in XXXX. I was able to dispute that transaction and the bank reimbursed me my funds. I then called the furniture store who informed me that the furniture was at an address in XXXX. I have never lived in XXXX and definitely did not purchase furniture from this store. I informed them that this was identity theft. I filed a police report and contacted the collection agency who stated the issue will be resolved. I began receiving threatening phone calls and decided to check my credit report. Needless to say this fraud is reported my credit report. The issue was not resolved. The lender is XXXX XXXX for {$1300.00}. I was able to dispute and have it removed from one credit bureau but now they are reporting it to another one.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12
Company: CITIBANK, N.A.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
XXXX XXXX Account number : XXXX Issue with Citibank XX/XX/2018 Monthly Service Fee {$25.00} After calling them multiple times to have them change my account package for the monthly service fee, they sneaked me this fee one more time. This is like the 4th time they have done this to me since the first time I called in.

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 monetary relief
Consumer complaint received 2019-01-12
Company: CREDIT ACCEPTANCE CORPORATION
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The laws of the state of Pennsylvania clearly states that when a repossession takes place, that there must be at least two auctions completed before there is an upset price pertaining to collection purposes. However, in fiscal year 2017, being XXXX I suddenly faced several financial issues that caused this repossession. Accordingly, I am requesting a reasonable settlement to this collection. The vehicle loan was for a 19.99 % interest rate, and the payment was very high. However, I was only 30-days behind on the payments, and if I was given proper consideration as before, I could have brought the payments current. I would appreciate an offer in compromise either through my email or direct mail, and Ill do my best to make that payment to benefit all parties.

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 2018-05-12
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Walmart has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2020-08-19
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XXXX XXXX I went to chase bank ( located at XXXX XXXX XXXX, XXXX, Tx XXXX ) to exchange small bills for large bills. I had {$6000.00} in smaller bills ( 20/10 ) and went to the drive through to exchange it for 100s. The teller greeted me, gave me the money in an envelope and left. 

On XX/XX/XXXX, I see a {$2000.00} withdrawal from my account. For the item description, the bank states, we have deducted {$2000.00} from your account. Ive called the bank and emailed them and nobody can answer me why.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05
Company: Bridgecrest Acceptance Corporation
State: UT
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I believe Bridgecrest has violated Regulation Z in multiple regards.

1 ) My minimum monthly payment is {$220.00}. I pay {$300.00} a month. I logged on to my account on the evening of XX/XX/2021 to find a late balance of {$16.00} on my account. Every payment has been processed on time and I did not receive a late payment notice, or even a payment due notice, for the {$16.00}. Because my minimum payment is {$70.00} lower than what I actually pay, the payments have all been accepted and cleared on time, and I was never notified of ANY payment due, I can not fathom what this charge was for. As I mentioned, I pay {$70.00} MORE than what is owed every month. Bridgecrest purports to charge me {$1.00} per day in interest. Unless the company is charging me nearly double in interest what they are legally bound to, this charge was illegally tendered. 

2 ) There is no transparency regarding these loans. It is not possible to see on the website what charge the late balance pertains to, nor is it sent to me in a paper statement. There is also no way to see what monthly payments are attributed to ( principal or interest ). It is impossible to ascertain what the charges consist of or even what the outstanding balance on the account is. There is only a " Get a Payoff Quote '' button. A consumer can not see what they have paid or what they still owe. 

3 ) I was not notified about this balance at any point. I found it by accident. Because Bridgecrest provides no details about the debt their consumers owe them, it is impossible to see what precipitated the balance. It is unclear whether it is one charge or many.

4 ) It is unclear whether the Amount Due balance is actually past due or is just designed to look that way. If it is the latter, it is clearly designed to falsely make consumers think their accounts are past due. This is an abusive practice and robs consumers of knowledge they need to allocate their payments as they choose to do.

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 2019-01-12
Company: EVERBANK, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened a savings account with TIAA Bank on XX/XX/XXXX with an initial deposit of {$56000.00}. I have only received one bank statement from them in this time. On XX/XX/XXXX I tried to sign up for online banking and to use the mobile application. I created a user name and password but was unable to login even after being text a security code. I called customer service and they said IT wasnt there to assist me and would have them call me on that Monday. Nobody called and I called TIAA on XX/XX/XXXX and spoke to XXXX XXXX, again nobody could assist me and I was told IT would call me. I called again on XX/XX/XXXX and spoke to XXXX XXXX again and again nobody could help me and was told IT would call. I called on XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX speaking to XXXX XXXX, XXXX XXXX, and XXXX XXXX and again IT wasnt there and nobody could assist. At this point in time I am beyond frustrated and upset with this bank for its poor customer service and empty promises of a simple call back. Since I havent received account statements and I am unable to access my accounts with modern technology I pray my money is still there. I would greatly appreciate any assistance from the CFPB with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Equifax is denying my ability to receive my free annual credit report online. Both of the other services ( XXXX  and XXXX  ) had no issue verifying my identity and providing me with my credit report. The XXXX website lists three steps required to view your credit report online : 1. Fill out one form to request one, two, or three credit reports 2. Pick the reports you want ( Equifax, XXXX   or XXXX ) 3. Request and Review your reports ONLINE. 

Equifax refuses to furnish my credit report online as they are required to do. Instead, they are requiring me to pay for postage and mail them a form with sensitive personal identifying information. Equifax has demonstrated extreme negligence in safeguarding millions of Americans ' personal info, exponentially increasing the risk of identity theft. I do not trust them to keep my information safe once they physically receive copies in the mail. Equifax must be held to the same standard as the two other credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: Experian Information Solutions Inc.
State: IN
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:
On XX/XX/20, I applied for a credit line with XXXX to get the money to repair my roof. XXXX denied the application because they said Experion had sent them a report saying I had no credit cards or rotating credit lines. I actually have 3 credit cards, student loans, and auto loans that were all missing from the report. When I called Experion, they checked and said they could see all of my credit cards and loans. The person on the phone verified all of them with me. They told XXXX to call them to verify the correct information. XXXX is not capable of doing this, so I asked Experion to please send the correct report to XXXX. They refused and insisted on just sending me my credit report even though I had already verified what was on it. 

Experion 's incorrect reporting of my credit information to XXXX cost me a line of credit that would literally put a roof over my head and refused to correct its own mistake.

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 2019-01-12
Company: SUNTRUST BANKS, INC.
State: TX
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:
My SSN was used without my knowledge and/or consent to illegally purchase a car. I notified the sales manager of the car lot, along with the bank. 
Let them know my identity was compromised. Was advised someone would contact me, which did not happen. Now the bank is negatively impacting my credit score.

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 2019-01-12
Company: Navient Solutions, LLC.
State: NM
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Current resident physician who is trying to apply for medical residency forebearance. Staff at navient is either not trained to understand what form/process is involved or do not follow through emailing appropriate form. 

This is an ongoing issue which last year negatively effected my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: Sequium Asset Solutions, LLC
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
A gentleman from sequium assets continues to call me and harass me about a debt that I believe is not mine. I've asked for proof of debt and he said they mailed it but I never received it. I've asked multiple times for them to quit calling me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have reached out to Capital One in XX/XX/2020, asking for validation Of debt for the {$19000.00} balance they have listed on my credit report with all three bureaus. In response on XX/XX/2020, they requested proof of identification. In response to the requesting proof, I send proof of identification along with the same letter asking for proof of debt. Capital One proceeded to respond with a letter on XX/XX/2020 asking for proof of identification again. I responded with proof of identification once again and a follow up letter on XX/XX/2020. Capital One proceeded to respond to my letter on XX/XX/2020 by asking for proof of identification for a third time. Capital One has yet to respond to any of my letters Ive been mailing in to them since XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Bank of America debited {$33000.00} from my savings account when my wife wired money into my account to purchase a home. Unknown to me, BofA debited the money from my account without consent and without notification. The second mortgage debt had been discharged and I received a XXXX tax statement for the debt already. I called the bank and they would not give me any information about who collected the debt and I could not dispute or make a fraud claim against the {$33000.00} electronic debit from my account. We were not able to purchase the home we had a contract on and lost {$1000.00} deposit and other fees totaling about {$2200.00}. I still have not heard from the bank or received any written or oral message about where the money went and how I can dispute the electronic debit.

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 2021-02-11
Company: Waypoint Resource Group, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against XXXX XXXX. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.

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