BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-11
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
this company has a XXXX bill they put on my credit report and they refuse to communicate with me about this debt. This is my Second time disputing this debt with the cfpb they sent me what they called debt verification the last time i disputed it but it wasn't sufficient ive tried emailing them i wrote them letters and ive tried calling to either verify this debt or pay it off because its hurting my credit but ive never gotten a response from any of my inquiries. im not sure what type of debt collector this is they are very poorly managed

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 2021-03-29
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I got scammed by XXXX XXXX XXXX, they used the co-signer scam on me and took advantage of my naive position as an immigrant that doesn't know anything about how things work and the fact that I had good credit and they just wanted to sell a car no matter what. They made the co-signer scam by telling the person I was just accompanying that he didn't qualify on his own for financing and said that since I had a relationship with him they suggested me to co-sign for him, they lied to me assuring me that In was only signing as a reference to help him be able to get a loan and have the car with better interest and better price. But this is of course FALSE!, this was repeated by another finance manager when I tried to r4turn the car, she said they ( XXXX XXXX ) couldn't get to me for money because he was the principal not me, it was until months after that I realized of the scam and lies, when the lender ( XXXX XXXX ) called me to explain I was equally responsible for paying the debt. The debt on the loan is now {$22000.00} with {$2200.00} in late payments. 

I accompanied my boyfriend and roommate at the time XXXX XXXX XXXX, to buy a car at XXXX XXXX XXXX. I just went with him as a company but when he applied the finance manager told him that he didn't qualify and that he needed a co-signer, they asked about what was our relationship and proceeded to tell me I could co-sign for him and that I was only signing as a reference to help, no one explained to me what co-signing meant and I am an immigrant and I do not know anything about that. No body told me I was going to be responsible for paying if we didn't and that I had to rights to the car. Once I realized XXXX XXXX XXXX was a con artist I tried to take the car back to the dealership, only to be told by XXXX XXXX another financial manager at that dealership that they could not come to me for money because he was the principal and I now know that is not true, she lied to me. I lend him the down payment money which he paid in full to gain my trust, he said he would pay the car once he got the inheritance money from his mother 's death and that was all a lie.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Have been receiving phone calls and now collection letters about a unpaid Best Buy account over 10 years old. Calls saying they will garnish our pay or that were are going to be served papers to be taken to court.

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 2021-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I got scammed by XXXX XXXX XXXX, they used the co-signer scam on me and took advantage of my naive position as an XXXXt that doesn't know anything about how things work and the fact that I had good credit and they just wanted to sell a car no matter what. They made the co-signer scam by telling the person I was just accompanying that he didn't qualify on his own for financing and said that since I had a relationship with him they suggested me to co-sign for him, they lied to me assuring me that In was only signing as a reference to help him be able to get a loan and have the car with better interest and better price. But this is of course FALSE!, this was repeated by another finance manager when I tried to r4turn the car, she said they ( XXXX XXXX ) couldn't get to me for money because he was the principal not me, it was until months after that I realized of the scam and lies, when the lender ( XXXX XXXX ) called me to explain I was equally responsible for paying the debt. The debt on the loan is now {$22000.00} with {$2200.00} in late payments. 

I accompanied my boyfriend and roommate at the time XXXX XXXX XXXX, to buy a car at XXXX XXXX XXXX. I just went with him as a company but when he applied the finance manager told him that he didn't qualify and that he needed a co-signer, they asked about what was our relationship and proceeded to tell me I could co-sign for him and that I was only signing as a reference to help, no one explained to me what co-signing meant and I am an immigrant and I do not know anything about that. No body told me I was going to be responsible for paying if we didn't and that I had to rights to the car. Once I realized XXXX XXXX XXXX was a con artist I tried to take the car back to the dealership, only to be told by XXXX XXXX another financial manager at that dealership that they could not come to me for money because he was the principal and I now know that is not true, she lied to me. I lend him the down payment money which he paid in full to gain my trust, he said he would pay the car once he got the inheritance money from his mother 's death and that was all a lie.

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 2018-09-19
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 belongs to someone else

Complaint:
on XX/XX/17 I looked at my credit report online, with one of the free websites. I found another XXXX XXXX, who lives in XXXX, CA on two of the three reports. From the scores listed, my score is bringing hers down with XXXX and Transunion. Of the three reporting agencies, only XXXX  did not have the XXXX XXXX in XXXX. Today, I tried to notify them online but could not contact them with out signing up for something. I tried calling but got a robot and could not get a person. Her score makes mine look really good, in the 700-800 range. With out XXXX XXXX, my score is XXXX, not too bad and much more realistic. I am concerned that my score could adversely affect XXXX XXXX 's financial possibilities. I just want to straighten things out and have accurate information for both of us.

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 2021-05-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/XXXX I accidentally rolled a XXXX XXXX XXXX over a XXXX foot embankment of the XXXX XXXX XXXX XXXX  while parking an XXXX XXXX car in a XXXX XXXX XXXX XXXX XXXX XXXX parking lot with no guard rail. The location is a popular tourist destination at XXXX XXXX XXXX XXXX XXXX XXXX XXXX  near XXXX XXXX  XXXX in Washington, XXXX 

At the time of the accident the vehicle was traveling no more than 5 miles an hour where the lot abuts the canal. Because there is no guard rail or other barrier on this section of the lot, a car that moves beyond the end of a parking space will roll to the bottom of the canal if it is empty or fall into the water if it is full. Either outcome is likely to cause extensive damage to the vehicle and major bodily trauma and/or drowning to the occupants. Fortunately for me the canal was empty at the time, I was wearing a seat belt, and my air bag deployed. 

The XXXX claim report on the damaged vehicle is not currently available, because an inspection is needed on damage to the roof of the car, which flipped over, to determine whether it can be repaired. I estimate the cost of repairs be at least {$10000.00} and the cost of replacement to be at least {$20000.00}. 

BankAmerica ( BA ) /Mastercard ( MC ) refuses to pay an an XXXX damage claim for the vehicle and has locked me out of its online claim reporting system, because it reports that it terminated my collision damage waiver ( CDW ) coverage benefit on XX/XX/XXXX. 

BankAmerica representatives I spoke with on the phone on or about XX/XX/XXXX insisted that BA notified all beneficiaries of its intention to terminate the XXXX XXXX benefit in a mass mailing in XXXX, XXXX. I do not recall receiving that mailing. Even if I did, I have opted out of printed notifications and expect to receive information about my MC account via email. 

Also I have documented proof that on XX/XX/XXXX XXXX paid another damage claim to XXXX for an incident that occurred on XX/XX/XXXX. This payout provided me with the expectation in XXXX, XXXX that it would honor future XXXX claims as well. 

To date I have been unable to challenge BankAmerica 's decision to terminate my XXXX coverage in court, because it has not provided me with proof of the termination of the benefit, the date the benefit was terminated, and the method of notification. Also BA has not provided me with an explanation for why a benefit that terminated in XXXX was still in force on 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 2019-08-09
Company: Ace Motor Acceptance Corporation
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call 4-10 times a day and now they are calling me at my place of work even though they have been told not to on XX/XX/2019.

Company response to consumer: Untimely response
Consumer complaint received 2018-07-19
Company: EQUIFAX, INC.
State: IL
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:
Due to billing error by XXXX XXXX XXXX and lease end processing issue with XXXX XXXX in XX/XX/2018, a bill for early termination of my XXXX XXXX XXXX lease was not received from XXXX XXXX XXXX until XX/XX/18. On XX/XX/2018, I discovered the early determination bill existed from XXXX XXXX XXXX for {$1400.00}, after it was reported delinquent to the credit bureaus. I contacted XXXX XXXX XXXX by phone and via email, on XX/XX/XXXX. The representative stated a bill had been sent in XX/XX/2018, I stated I did not receive the bill and requested a bill be sent to me. I also discovered that the address on the bill didn't have my apartment number, which can cause delivery issues as I live in a multiple unit dwelling. As stated previously, I finally received the bill on XX/XX/XXXX. After attempting to resolve the amount with the dealership at XXXX XXXX, I paid the remaining balance over the phone on XX/XX/18.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: Andreu, Palma & Andreu, PL
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I spoke with many people at Andreu, Palma, Lavin & Solis, LLC regarding a wage garnishment issue. Once that was taken care of I was informed of another file they have for me. The file is for a judgement from XX/XX/XXXX. In XX/XX/XXXX, my bank account was frozen and I had it unfrozen because I was living alone raising a child. I was very naive at the time under the impression I would be notified at a later date to resolve the issue with the debtor. Well over the years, 17 years to be exact I had forgotten all about it since I was never contacted. Now in XX/XX/XXXX, I am being informed by Andreu, Palma, Lavin & Solis, LLC I owe over {$14000.00} on this judgement from XX/XX/XXXXand the only way I found out was because I was calling about another issue. The I was asked if the my contact number was still the same and I was provided a number that I have not had the use of since the year XX/XX/XXXX. I want proof that there was an attempt to contact me over the past 17 years. I find it unreal that a company has held onto this debt and has charged me interest daily for all this time but couldn't locate me to try to collect the money. Also, I asked to try to resolve this issue and was told the client will only accept a lump sum amount. There has to be a way to have proof that there has been an attempt to locate me and a reason why I can't try to make this right after 17 years. I know I owe the money, but I feel as if they are just trying to break me after all these years of no contact by demanding a lump sum payment to clear it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-21
Company: LEXISNEXIS
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: Reporting company used your report improperly

Complaint:
I try dispute with all 3 Bureus a chapter XXXX also disputed with lexis nexis they all saying is verified by court they all get in this information from Lexus nexis that is a third party agency so basically they are lying so in other words I would like this resolution resolved right away thank you they all lied sayin is verify by court court doesnt report to know one please deleted this immediately as I have proof from court an also is against the fair act to lie in reporting a file

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-12
Company: Navient Solutions, LLC.
State: KS
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:
On XX/XX/XXXX, at approximately XXXX XXXX CENTRAL STANDARD TIME. I, XXXX XXXX XXXX, called Navient for deferment ( In-school XXXX XXXX ). They promised to accept my documentation and proof of enrollment at XXXX XXXX XXXX XXXX. I am enrolled for 6 credit hours. The last term was a pain to get deferred, also! Now, Navient has denied my in-school status and stated, " Ineligible school. '' Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: CITIBANK, N.A.
State: NC
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:
There are two unauthorized inquiries on my credit report. The credit report does not have a contact phone number for the companies requesting my credit report. I tried calling from phone numbers on line to find out who and why these two companies are inquiring on my credit, but was not able to speak to anyone about this issue.

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 2020-05-22
Company: TFS FINANCIAL CORPORATION
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:
Consumer ID # XXXX on XXXX Report. My Accout was overdrawn at XXXX XXXX  XXXX XXXX XXXX back in XXXX. Mortgage with XXXX XXXX and overdrawn account were both named in my Bankruptcy Filing of XX/XX/XXXX and discharged. Somehow a delay in reporting this debt ended up on XXXX though it was already resolved prior. I want it REMOVED IMMEDIATELY and in it's entirety like it never happened because it never should have happened to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I wrote a check for {$850.00} for my rent on XX/XX/XXXX. I saw this morning, XX/XX/XXXX, that there was an overdraft for the amount of {$260.00} and a fee of {$35.00} as well to cover the overdraft. Now mind you, I found it strange because this money was taken out of what I have known all this time to be my savings account. When I contacted customer service regarding these transactions and the overdraft as well as the fee I had to pay, I was notified that my savings account has changed into another checking account unbeknownst to me. When I opened my bank accounts, I requested both a checking AND savings account. I was never told that if I move my own money between accounts more than 3 times that I would not only be charged {$10.00} but that it would also be changed into a checking account. Also, if the account changed, then why was I still paying the {$12.00} a month for a savings account I no longer had? That question was never answered. I was told that I would have to wait 2-3 business days before I would receive any money back. It is supposed to be the amount of {$880.00} by Monday XX/XX/XXXX. Had I know any of this were to happen I would have never opened an account with Bank Of America.

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 2020-05-22
Company: Debt Recovery Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I just don't recall any debt from XXXX, I just notice a collection account on my credit report and I doubt is mine, I called to the agency to pay the bill just because I don't want to have that derogatory information on my personal credit report, I asked the collector that I just don't want to waist their time with long investigations and disputes, I was in the position to pay the bill if they can delete the collection account from my credit report but the collectors don't provide me a clear YES or No, they just said I can pay if and " SEE WHAT HAPPENS LATER ''. So I requested a validation of debt and must important where and when this loan was approved since I feel is not mine or is identity theft, The collection agency claimed they are collecting on behalf another collection company so THEY DON'T HAVE THE FILES AVAILABLE but they will request it and send a validation of debt to my mailing address. I haven't received any letter from them and I disputed this collection account with the credit bureaus but they claim is a legitimate debt but they just don't proof it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24
Company: USCB, Inc.
State: AZ
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:
XXXX. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX, XXXX, XXXX XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


Please delete the disputed items from my credit report within ( 4 ) four days as required by the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: EQUIFAX, INC.
State: NY
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:
The credit bureau has ignored my dispute for over 30 days and the inaccurate information is misleading and impacting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws.

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