BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-28
Company: Premier Auto Credit
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Premier auto credit has abused my rights and violated 15 USC 1692 under FDCPA They are in violation of 15 usc 1692b ( 5 ), 15 usc 1692f ( 8 ), 15 usc 1692c ( a ), 15 usc 1692e ( 2 ) ( A ), 15 usc 1692b ( 2 ), 15 usc 1692f ( 1 ), 15 usc 1692e ( 11, 15 usc 1692e ( 14 ), 15 usc 1692d ( 5 ), 15 usc 1692c ( a ) ( 1 )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15
Company: Amsher Collection Services, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i recently checked my credit report and realized there is an outstanding bill for XXXX dollars for this company that i have heard about nor have i ever signed a contract with i have tried numerous to contact them but no answer again i dont know this company i have never signed any agreement with them nor any of there affiliates

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 AM A VICTIM OF IDENTITY THEFT

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 2021-05-28
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:
Hello, there is a debt. collector with the following data : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX They reported a debt. of {$740.00} to Transunion, this information is not true, they said it belongs to XXXX  XXXX, but I don't have this account with them, neither opened and account. 

I disputed twice this information to Transunion, reporting it as fraudulent or incorrect, twice I received the following information ; DISPUTED RESULT : Disputed information was verified as accurate TransUnion investigated your dispute but did not change your information. 

After talking today to Transunion they said they requested more information about this debt. from the collection agency, but they didn't provided any information backing up the amount they are claiming. 

I did search the internet and found out there are a lot of complaints about this company scamming customers. The representative at Transunion said at this point the only way they can remove this information is, if the debt. collector accept that the information was entered by error, or if I report this to Consumer Financial Protection Bureau as a fraudulent transition.

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 2020-08-22
Company: TRUIST FINANCIAL CORPORATION
State: NH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2021-05-28
Company: EQUIFAX, INC.
State: AL
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:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692. I am trying to buy a home. This fraudulent account and fraudulent collection company is destrpying my chance to stop being a renter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name DPT ED XXXX XXXX {$420.00} DPT ED XXXX XXXX {$14000.00} XXXX XXXX  XXXX {$420.00} XXXX  XXXX {$740.00} XXXX XXXX  XXXX {$460.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Company: EOS Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A derogatory item was fraudulently added to my credit report for a large past due XXXX bill in someone else 's name. They have this person listed as my " alias '' on the credit report. I do NOT have a XXXX account. The amount is {$3700.00} and was first added in XX/XX/XXXX and reported on XX/XX/XXXX. Approximately 1.5 - 2 years ago, XXXX started mailing billing statements to my address with the name of the other person. I marked the envelop with " return to sender ''. When that didn't work I called XXXX and spoke with a customer service representative. I though they were going to update their records but they never did. I stopped getting mail from XXXX and didn't know about the credit report problem until I applied for a home loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Good Afternoon, I would like to file a complaint because I'm a former student with this school I have complained about this school before. Im currently in default on my private student loan owing {$14000.00} come XX/XX/XXXX. I have already contacted a lawyer locally to investigate this school for predatory lending practices. I have contacted the lender to negotiate payment arrangements back in XX/XX/XXXX and told them that I {$290.00} twice a month while paying rent and a car note was not feasible to make a living so I was sued and granished XX/XX/XXXX. I have since went to court and filed a homestead deed to have my funds returned to me they have filed another court hearing for garnishment XXXX which I will have another attorney review my case before then. I'm currently {$80000.00} in debt from student loans I can not go back to school due to the XXXX cap the school took out.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was a victim of identity.

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 2018-05-04
Company: SLM CORPORATION
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
A student loan was obtained from XXXX XXXX to fund my XXXX college education. The original loan amount was for {$28000.00}. We have been making larger payments to reduce the principal amount and pay the loan off as quickly as possible. Each time a payment is made and we call the XXXX number the information received is not accurate. First we were told that if the payment was more than the interest amount due any additional amount would be put toward the principal amount. We noticed that this was not happening and called back and they told us the account needs to be set up on auto payment to have the additional amount reflect in the principal. I called on XX/XX/XXXX to inquiry why the balance is not going down and XXXX stated that the extra amount is paid forward to the interest for next month. Why.the purpose of making additional payment amount is to reduce the loan. If you put the extra amount toward the next months interest, you will never pay the loan off. 
Regardless of the above scenarios different things have happened with the payments. It is truly very inconsistent. For example ; On XX/XX/XXXX the payment amount that was due is {$270.00} which was paid. An additional payment was made for {$2000.00} the next business day. {$150.00} was held for interest and {$1800.00} was applied to the principal. ( The account was not on auto payment ) On XX/XX/XXXX a payment for {$300.00} was made. The accrued interest was {$160.00} ; the difference of {$130.00} was added to the principal. ( The account was not on auto payment ) On XX/XX/XXXX the accrued interest was {$220.00}. A payment of {$300.00} was made and nothing was applied to the principal balance. 
On XX/XX/XXXX the accrued interest was paid and the remaining amount went to the principal amount. 
My goal is to pay back my student loan but the inaccurate and inconsistent way that the loan is handled does not make sense mathematically nor is their reason for how the payments are applied. I have called XXXX XXXX customer service area about every other month to discuss the discrepancies in the account. The phone representatives truly do not understand the complexity of the account and the manager NEVER takes the call. The associate on the phone is asking questions and then relaying the message. You will never get an accurate answer. It is really disappointing that a company can practice this type of behavior which ultimately affects the lives of people. Shame on you..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I getting the run around about correcting a ongoing balance. XXXX  XXXX blames it transunion and transunion blames it on XXXX  XXXX. It is holding me up from buying my home. Loan officer wont let me go further

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 2021-05-28
Company: CAVALRY INVESTMENTS, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Calvary Portfolio Services purchased a credit card debt in XXXX of approximately {$3000.00}. I reached an agreement with them to pay half that amount in equal monthly payments, which I did. I paid every month, on time, until our agreed upon amount was paid in full. Calvary agreed that once paid, the debt would be removed from my credit report. However, 5 years later, in XXXX, I received correspondence from a different debt collection company claiming they bought the other half of the debt. A few months later, I received correspondence again from Calvary, claiming they had repurchased the alleged remaining debt. I am a resident of California, whose laws prohibit collection of debts over 4 years old. 

To recap, this company breached our agreement by 1 ) reselling the remainder of the debt they agreed to forgive, 2 ) repurchasing that same forgiven debt and trying to collect it after CA statute of limitations had expired, and 3 ) refusing to remove the paid-as-agreed debt from my credit report, even after I disputed the debt. 

These deceptive tactics are damaging to my credit and to me. I completed my part of our agreement. Calvary needs to complete theirs and remove this from my credit report. Furthermore, this company needs to be forced to abide by the law and all consumer protections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- AUTO ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
Ref : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX BOA Application # XXXX SBA  # XXXX EIN # XXXX My name is XXXX XXXX and I am the owner of a small business that has been greatly affected by the Covid-19 pandemic and, as such, have had to solicit a XXXX loan with Bank of America, the banking institution which I have been a patron of for many years. 

I would like to bring to your attention the behavior of one of the BOA XXXX XXXX XXXX department, XXXX XXXX. In addition to asking me and my accountant to engage in fraud by knowingly filing taxes for my corporation with incomplete, false and premature information ; she has continuously erected obstacles for me which have made it incredibly cumbersome for both myself and my accountant to comply with. 

Today she insisted on me doing something that is impossible and would not only leave me breaking the law, but leave my accountant with her license revoked. XXXX refuses to understand that despite the fact that my business latest tax filing was for the year XXXX, it is both up to date and in complete compliance with the Internal Revenue Service. This is because the business in question does not run on a calendar year but rather off of a fiscal year that commences on the corresponding day which it was created. As such, my latest and up to date filing ( which has been uploaded to the XXXX system ) is from XX/XX/XXXX and finalizes on XX/XX/XXXX. Meaning that XXXX is advising me to file a tax return for the remaining 4 months and make it seem like it is for the entirety of XXXX committing fraud in the process. 

My accountant thus concluded that to satiate her unreasonable request, perhaps uploading Bank Statements for the remaining 4 months would suffice. Sadly XXXX continues to push this narrative which, if followed, would result in my fraudulently filing a tax return with the IRS. 

I do not know who to turn to as there is little transparency on the part of Bank of America as it pertains to the XXXX loan process and I am fearful that I will get rejected for my refusal to act unethically and engage in fraud. 

Any assistance in this matter will be greatly appreciated. 
XXXX XXXX XXXX, XXXX, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NH
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
Company: Selene Holdings LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I 1st notice it XX/XX/XXXX when I try to make my payment on line that I was one month behind so I call was able to make payment for XXXX. And the rep. Told me to call the following week she was going to note it. I call the following week that the rep was going to talk to supervisor so supervisor would look into cash dept. I did explain to them I have my back statement where it shows the dates Selen has been withdrawn the payment. Also they can't find a check that send back in XXXX but my bank shows it was process and stamp by them. I call this Monday XX/XX/XXXX to call back Wednesday well Tuesday and Wednesday collector 's call me that I owe again I explained and again they told me to call Friday today XX/XX/XXXX now the rep tells me I need to do it in writing. Am upset cause no one told me that and I ask to speak to supervisor oh supervisor not there they will transfer me to voice mail but the rep said this it says they will call within 24 hours but they wouldn't. XXXX  is right around the corner my credit score went down. Please advice XXXX XXXX email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
I'm a M/L Wealth Management Client. I believe that BOA decision to stop loaning money to firearms businesses is political activism, and is illegal. The firearms businesses are producing and selling legal products. I consider this to be gun control by financial institutions.

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 2021-05-28
Company: EQUIFAX, INC.
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:
I checked my credit report there are accounts under a Bankruptcy that I have never filed. I sent a letter asking XXXX, XXXX, and Equifax to provide a method of verification for these accounts. The letter came back that the courthouse provided them with information, I contacted the courthouse and the courthouse sent verification to me providing the information is inaccurate and false. I sent the letter to XXXX, XXXX, and Equifax showing the information they have is false and not true, they provide no information to any credit bureau. According to the FCRA its against consumer rights to report false, inaccurate, and incorrect on someone's credit report. This information is inaccurate and needs to be deleted and removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
Company: CAINE & WEINER COMPANY, INC.
State: TN
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : 06 XXXX  ) XXXX ... XXXX XXXX ( Original Creditor : 09 XXXX XXXX XXXX ) XXXX ... CAINE WEINER ( Original Creditor : 01 XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation