BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN
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:
XX/XX/2019 Bank of America stole over {$400.00} from me this time, after assisting a shop in stealing {$540.00} AND my laptop from me with no help from the CFPB because you allowed them to simply run out the clock responding -- so thank you for that. 

I was XXXX, XXXX, and XXXX XXXXXXXX at a XXXX XXXX hotel where I paid to vacation for a few days in XXXX, XXXX. 

It was an international incident with the U.S. Embassy in XXXX XXXX with access to all photos pertaining to evidence of this series of events so please contact them directly for confirmation because this is none of you XXXX business, and only describing the evidence during a call literally traumatized a bank employee who handled this properly at ANOTHER bank I work with. 

Simply refund my money, including fees accrued as a result of BoA 's theft, with stiff penalties for BoA attempting not to process a fraud claim properly on purpose AGAIN. This bank has stolen over {$1500.00} USD from me during the last year.

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 2017-12-07
Company: Ability Recovery Services, LLC
State: TX
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was contacted by Ability Recovery Service after this debt was recorded on my credit report in XX/XX/XXXX. I spoke with a representative inXX/XX/XXXX to inform them that I did not owe XXXX University anything. I ask for a debt validation and they sent me a statement from XXXX University that showed that I had a balance on my account. I asked for documentation that provided a detailed breakdown of what the amount was for and nothing new was sent. I reached out to XXXX University and they said that it was a student loan refund check sent to me but because I did n't finish the quarter I owed them that money back. I have never been informed before this year that I owed a balance. I withdrew from school because of a XXXX and as a result in XX/XX/XXXX all of my student loans were forgiven by the government. They say that I owe {$1800.00} because the money that I received in the amount of a refund is owed to them because I withdrew from school but that money was included in my forgiven loans. They never sent any student loan documentation in support of their claim

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22
Company: National Credit Adjusters, LLC
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021, National Credit applied negative inaccurate account information to all three credit bureaus. Before submitting the negative information, NCA did not attempt to contact me regarding the alleged negative account. I contacted NCA regarding the inaccurate information submitted to the credit bureaus. I asked the representative about the alleged negative account. The only information I received from the representative was an inaccurate address from a different county and the alleged previous account ower was XXXX Mastercard. This is false information because I have not applied nor had an account with XXXX Mastercard. Also, I contacted XXXX Mastercard regarding the alleged account and the attempt by NCA to collect on an inaccurate debt. XXXX Mastercard representative validated that no account was found. On XXXX XXXX, I mailed a validation letter to NCA, response is pending. NCA reporting false information to the credit bureaus is a violation of the Fair Credit Reporting. Attempting to collect on a false debt is a criminal offense. During research regarding NCA, I found numerous complaints from consumers regarding inaccurate negative information applied to he/she credit bureaus by NCA. Also, in NCA settled with the Bureau of Consumer Financial Protection for unlawful collection practices. Applying a false negative account to a consumer 's credit bureaus which has cause an negative financial impact is unlawful. I am requesting this inaccurate information to be removed from all the credit bureaus and accurate account validation from NCA. I am not requesting a fake bill, which is not an acceptable form of account validation. I am requesting a contract with an signature and/or accurate information from XXXX Mastercard. I have attempted to resolve this issue with NCA and all three credit bureaus without resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-13
Company: Advanced Resolution Services Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
ARS was sent a letter to remove an item from the report they hold under my social security number and share with the 3 major credit bureaus. It is not permissible under FCRA since there is no information bearing my signature to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
Company: EQUIFAX, INC.
State: FL
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:
Date : XX/XX/XXXX To Whom It May Concern, Equifax, XXXX  and XXXX  are reporting inaccurate information on my credit file. They have failed to investigate and verify that these items are reporting correctly. Their action has hurt my ability to obtain new credit and this is very troublesome to me. I have been disputing with them since XXXX of XXXX last year and they still have not corrected the errors and this is a direct violation of my rights under the FCRA! I have documented each letter that I sent to them and their responses that I can use in my defense. I am asking that the said accounts below be removed from my file immediately! 
Accounts Account Name : XXXX XXXX Reporting on Equifax and XXXX 1. Open date of XX/XX/XXXX is incorrect. 
2. Past Due Amount of {$720.00} is incorrect Account Name : XXXX   XXXX  XXXX XXXX  XXXX  XXXX Reporting on Equifax, XXXX, and XXXX 1. Two different account names : XXXX  and XXXX  2. Account Status : 2 states Closed and 1 state open 3. 2 Different Open dates : XX/XX/XXXX and XX/XX/XXXX 4. Balance of {$100.00} incorrect Account Name : XXXX XXXX XXXX Reporting on Equifax, XXXX, and XXXX  1. Account Status : 2 states Closed and 1 state open 2. 2 Different Open dates : XX/XX/XXXX and XX/XX/XXXX 3. Balance of {$1200.00} incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
Company: Southern Auto Finance Co
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX, SAFCO has issued their attached written response to my recent CFPB complaint. Within this written response, SAFCO has indicated that they processed an application for credit from the consumer on behalf of XXXX XXXX XXXX XXXX on XX/XX/XXXX. SAFCO has also indicated that the application for credit included all of the consumer 's personal identifying information. Despite the above responses, SAFCO has failed to produce any proof of a signed credit application by the consumer which was processed on XX/XX/XXXX. SAFCO has also failed to produce any evidence which directly relates to a legible copy of the consumer 's personal identifying information or a copy of a valid photo ID which supports the consumer 's above credit application process on XX/XX/XXXX. NOTE : SAFCO ( Southern Auto Finance Co. ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15
Company: VIRTUOSO SOURCING GROUP, LLC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Name : XXXX XXXX SSN : XXXX Virtuoso Sourcing Group has been contacting me just about every day even though I've asked them to cease contacting me since I am currently a recent college grad and have yet to secure employment to make payments on the debt. In XX/XX/XXXX I filed a complaint in which I was told that the frequent calling would stop due to me being assigned a designated agent to handle the account which I was okay with, but it deemed to not be true as I'm still getting calls just about every day from different agents within Virtuouso Sourcing Group. Today, XX/XX/19 I verbally asked to stop receiving communication through telephone and to only be communicated by mail only, I was verbally told by the supervisor/floor lead that they would cease contacting me and when I receive employment I can call them, but I know the calls will continue so, therefore, I'm writing this complaint. I've recorded the following dates and times of their calls within the last week and a half ( my phone won't go back any further than this ) Called XX/XX/19 Number : XXXX Time : XXXX Called XX/XX/19 Number : XXXX Time : XXXX Called XX/XX/19 Number : XXXX Time : XXXX Called XX/XX/19 Number : XXXX Time : XXXX Called XX/XX/19 Number : XXXX Time : XXXX XXXX Called XX/XX/19 Number : XXXX Time : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
Company: Experian Information Solutions Inc.
State: NV
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:
On XX/XX/XXXX, I disputed items in my credit report that were a result of Identity Theft. I filed the dispute online through the Experian website where I was required to upload documents to support my claim of Identity Theft. I uploaded numerous supporting documents including, a copy of a police report for the theft of my belongings and credentials that led to the Identity Theft, and Identity Theft Affidavit, an FTC filed complaint for the Identity Theft, etc. On XX/XX/XXXX, I received a letter from Experian advising me that the Identity Theft report I provided for my dispute does not meet the guidelines by the federal Fair Credit Reporting Act for the following reasons. But the letter does not list any following reasons. Experian is now requesting that I provide them with an enormous amount of specific information and support documents in order to proceed with my dispute for Identity Theft. I've already provided them with the requested information when I initially filed my dispute online through their website and uploaded the requested documents electronically. There is already an extended fraud alert ( 7 years ) on my credit report from when I first reported the Identity Theft to Experian in XX/XX/XXXX. In order for Experian to have placed the extended fraud alert on my report, I was required to provide them with information and documentation that supported the Identity Theft, so the information had already been provided to Experian in XX/XX/XXXX. The information and documents I uploaded on XX/XX/XXXX, when I filed my dispute online through the Experian website, did reference the Identity Theft that occurred and supported the fact that Identity Theft was committed against me. I'm not understanding why Experian is now saying the information I provided did not reference Identity Theft. The letter I received from them on XX/XX/XXXX, fails to state the reasons why they did not accept the documents I provided.

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 2019-01-31
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I have recently been a victim of identity theft ... all documentation has been submitted to all 3 bureaus, Equifax, XXXX, and XXXX. Strangely enough 2 out of 3 of the Credit bureaus have followed the law exactly as stated as it pertains to the consumer, but Equifax seems to follow it's own rules and has been the MOST DIFFICULT to deal with, I have several inquiries that I have stated in my AFFIDAVITS and recent disputes that I DID NOT AUTHORIZE but and EQUIFAX continues to report and they are hurting my SCORE! the 3 inquiries are XXXX XXXX, XXXX  AND XXXX XXXX ... ..I also have an XXXX XXXX showing on my report that I have never done business with but EQUIFAX claimed to have verified but yet the other 2 major credit reporting agencies found them to be FRAUDULENT and removed them!! and they are also reporting my current VEHICLE late with XXXX on 2 consecutive months XXXX and XXXX and this is absolutely NOT FACT!!! the other 2 credit reporting agencies do not report this! EQUIFAX are nothing but CROOKS that kill the average CONSUMER and something has to be done to put this XXXX to a STOP!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-15
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: DC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Sent wire for full payoff amount on mortgage on XX/XX/XXXX ; As of XX/XX/XXXX, bank says they won't process it until XX/XX/XXXX but the funds were electronically transferred. I see no reason for bank for legitimately delay the payoff processing by over a week so as to collect interest on the outstanding balance. They should process the payoff as of the day the wire is received and, if the wire transfer exceeds the daily interest charges ( which it would ), they should refund the difference between whatever has been sent in and what is *actually* due as of the time the payoff wire hit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
For the past 5 months I have been trying to get Method of Verification for Account # XXXX with Lease and Rental that has been validated according to the Credit Bureaus. The dates for the requested information are XX/XX/2020, XX/XX/2020, XX/XX/2020. The only information that I received back is that the account has been updated, remains, or verified as accurate. As a consumer, I feel my rights have been disregarded and I also feel devalued. To me this matter is not being taken seriously. If the debt in fact valid I should have received the method of verification used to verify that this debt belongs to me.

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 2021-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone:XXXX XXXXXXXX SS XXXX This is the 3 time I have disputed and filed a complaint with the CFPB and the FTC over accounts XXXX XXXXXXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, Third-Party Collection Agency unable to validate debt. Other problems have included debt buyers selling with accounts with one creditor and then being collecting by another who allegedly purchased the debt ( Smith v. Mallick, 514 F.3d 48 ( D.C.Cir. 2008 ) ), disputes between debt buyers over who owns which account when buyers have purchased partial portfolios ( Wood v. M & J Recovery LLC, CV 05-5564, 2007 U.S. Dist. LEXIS 24157 ( E.D.N.Y., April 2, 2007 ) ( dispute over who owned the 1/5th of a portfolio that included the debtors account ), or debt buyers attempting to collect monies in excess of the balance of a previously settled debt ( Overcash v. United Abstract Group , Inc., 549 F. Supp. 2d 193 ( N.D.N.Y. 2008 ) ) there are so many violations I don't which one to start with. All of these accounts are fraudulent until I see PROOF OF CHAIN OF TITLE OF OWNERSHIP!! I have not received any documentation from any of the above companies and I request again that proof of Claim and verification.

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 2019-01-31
Company: PNC Bank N.A.
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was in the process of making a partial payment to another party for a hotel/timeshare reservation. Upon the funds being pending/withdrawn I found out I was part of a SCAM. I contacted my back to see what could be done. Funds were sent via XXXX and they had informed me that my dispute wouldn't fall under any of there 4 categories. The only thing I could do is a small claims. My dispute is for {$250.00} that was withdrawn from my account on XX/XX/XXXX and now it's just gone. I guess hard lesson learned but sad that the bank couldn't do anything to help or look into it! Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: Receivable Management Group, Inc. (GA)
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt does not belong to me. Please remove this from collections. If you would like me to send my police report or ftc report please send me a fax number to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I'm trying to put a security freeze on XXXX, Experian, and XXXX. XXXX and XXXX are no issues, they allowed me to put a freeze on the phone. Experian IS AN ISSUE. To put a freeze on them, they want me to mail my address, date of birth, social security number and 2 proofs of address to them. The letter to them is to be titled " Experion ''. If I do this, anyone who sees a letter to " Experon '' could open the letter and see all my personal information and I would be subject to identity theft which is what I'm trying to avoid. Please make them allow a phone freeze like the other 2 agencies. I did not give any of these agencies permission to hold any identity information about me in the first place.

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 2020-12-02
Company: Nelnet, Inc.
State: NY
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:
ISSUE : XXXX XXXX FAILED TO GET ME DECENT JOB WITH MY XXXX DEGREE OBTAINED FROM THAT GRADUATE SCHOOL SINCE XX/XX/2016. NOW I HAVE MY XXXX XXXX AND ONLY DOING XXXX XXXX FREE WORKS AND NO PAYMENT. ALSO HAD PROBLEMS WITH XXXX XXXX XXXX, XXXX XXXX AND XXXX UNIVERSITY WHICH WERE FURTHER STUDIES AND NO TRANSCRIPT GIVEN SINCE THEY NEVER GAVE ME TIME FOR COURSES MAKE - UP AFTER DEATHS AND PERSONAL INJURIES WITH IN MY EXTENDED FAMILIES. SO FAR DEBT TOTAL AT ABOUT {$100.00}, XXXX AND NO JOB HELP AND OR SUPPORT PER PAYMENT. I AM A SPECIAL SENIOR AND SOME OF THEIR STAFFS NOT HELPFUL

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone:XXXX XXXX SS XXXX This is the XXXX time I have disputed and filed a complaint with the CFPB and the FTC over accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Third-Party Collection Agency unable to validate debt. Other problems have included debt buyers selling with accounts with one creditor and then being collecting by another who allegedly purchased the debt ( Smith v. Mallick, 514 F.3d 48 ( D.C.Cir. 2008 ) ), disputes between debt buyers over who owns which account when buyers have purchased partial portfolios ( Wood v. M & J Recovery LLC, CV 05-5564, 2007 U.S. Dist. LEXIS 24157 ( E.D.N.Y., April 2, 2007 ) ( dispute over who owned the 1/5th of a portfolio that included the debtors account ), or debt buyers attempting to collect monies in excess of the balance of a previously settled debt ( Overcash v. United Abstract Group , Inc., 549 F. Supp. 2d 193 ( N.D.N.Y. 2008 ) ) there are so many violations I don't which one to start with. All of these accounts are fraudulent until I see PROOF OF CHAIN OF TITLE OF OWNERSHIP!! I have not received any documentation from any of the above companies and I request again that proof of Claim and verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07
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 belongs to someone else

Complaint:
In my Equifax credit report, only SSN, XXXX account and one of the addresses are mine, others belong to another person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I was trying to open account with Wells Fargo and XXXX XXXX  but denied to open accounts for me and they couldnt provide me any reason for decision And Im sure that I dont have any bank debt and still I couldnt open bank account. 
I appreciate your help

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