BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/18 and a couple times before I received a call at my work number for my Bank of America Secured Mastercard. I advised they are to call the cell phone on my account. Then on XX/XX/18 they called again and after verifying the account I told the agent that I never gave authorization or that I never stated my work number as my primary phone contact number. The agent advised needed to make a payment on my credit card I advised to call back on the next day as I'd have funds available to make the payment. He said he would he also said that he would update the numbers on my account. I work generally between XXXX so calling my work number wouldn't be a good contact. Also I applied for the secured card inside the Bank of America app which I had for my regular banking and savings and on those accounts they have my cell phone XXXX as the regular contact. I had missed a couple payments and I didn't know the account was in jeopardy of closing. When the man called on XX/XX/18 he didn't even advise the account had closed on XX/XX/18. I had missed a couple statements. The bank advised their primary contact is the mail. But it was also on them to have the right phone number. I get calls from the regular banking side on my cell of XXXX regularly but I never did for the secured card but they were created in the same BOA app. If they had been using the correct phone number I could've been made aware and made a payment to keep the account open. Summer months are often tougher bill wise so I had fallen behind. But BOA being a major bank and all I would've if called on the right number did something to get that payment in. I personally think they should reopen the account and let me continue and it's then on me to get that {$130.00} caught up on the account. If not then they should at least remove it from my credit report and send me my collateral of {$300.00}.

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 2021-03-28
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2017, Transunion added a derogatory mark on my credit report per XXXX XXXX. Upon further research, this account was transferred/sold, and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was No written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, Transunion has violated my right as a consumer and I am requesting legal action to remove this account immediately.

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 2020-01-24
Company: ALTERNATIVE DISPUTE RESOLUTIONS
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
Dear Consumer Financial Protection Bureau, CFPB : THIS IS A FOLLOW-UP FOR COMPLAINTS XXXX, XXXX, XXXX, XXXX, XXXX, AND XXXX. 

XXXX XXXX, XXXX XXXX owe me {$3200.00} ( XXXX since 2017 ), {$500.00} ( XXXX XXXX ) plus expenses. The Judicial Arbitration and Mediation, JAMS, continue to delay the inevitable. JAM 's Senior Case Management, Mr. XXXX XXXX need to get the proof ALL PARTIES HAVE RECEIVED THE REQUESTED INFORMATION FROM MULTILE MODALITIES : EMAIL, ONLINE, TELEPHONE, CONSUMER FINANCIAL PROTECTION BUREAU, CFPB, AND ETC. TIME TO HOLD THEM ACCOUNTABLE ( CONSUMER FINANCIAL PROTECTION BUREAU, CFPB, COMPLAINT NUMBERS XXXX, XXXX, AND XXXX ). SERVICE OF PROCESS EFFECTUATED AND PROOF OF SERVICE OF PROCESS INCLUDED, JUDGMENT {$500000.00}, Sincerely and Respectfully, XXXX XXXX XXXX Phone : XXXX Email : XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2021-04-26
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
FOR SEVERAL SEVERAL MONTHS NOW I HAVE BEEN TRYING TO GET THIS ISSUED RESOLVED BUT HAVE BEEN GETTING THE RUNAROUND EVERYWHERE I GO. THIS NEEDS TO BE RESOLVED IMMEDIATELY AND THIS IS MY LAST ATTEMPT BEFORE PURSUING LEGAL ACTION. I HAVE NEVER BEEN LATE ON ANY OF MY FEDERAL STUDEN LOANS. I CONSOLIDATED ALL OF MY LOANS ON XX/XX/2018 ( ATTACHED IS PROOF FROM MY CURRENT SERVICER ; XXXX XXXX XXXX. THE FEDERAL STUDENT LOANS THAT I CONSOLIDATED ACCRUED SEVERAL LATE PAYMENTS AND DEROGATORY REMARKS. HOW CAN THIS BE IF THEY WERE CONSOLIDATED AND THE BALANCES WERE REDUCED TO ZERO? I HAVE CALLED THE US DEPT OF ED, XXXX OR XX/XX/XXXXXXXX, PERKINS LOANS, AND THEY HAVE NOT FIXED THE ISSUE. IT IS THE CREDIT BUREAUS OBLIGATION TO REPORT ACCURATE INFORMATION. THIS IS NOT ACCURATE.

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 2018-09-18
Company: ENOVA INTERNATIONAL, INC.
State: PA
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:
Response on XX/XX/18 CNU ( Cash NET USA ) Stop creating lies that you confused me with another XXXX XXXX and the XXXX. I don't want no loan or on line loans from you or your scams to defraud people with your high interest rates. I have not applied nor gave you permission to. I'm on OPT- OUT with all 3 Credit Bureaus or any other companies running other names or business link to any of the credit bureaus. I'm not getting a police report due to the fact of Cash Net USA fraud and deceit. I have filed with the US Attorney Office for complaints on Cash NET USA. Stop harassing me on your loans/ on line loans for something I have not applied for nor giving you permission. I don't want to call you crooks for nothing nor do I want to here from you or your tricks. Keep what ever XXXX your offering and leave me alone. Stop with the scams how you obtain my information. My next step will be to file a law suit on Cash Net USA and any other party within the scam.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
CitiBank contacted me from XXXX today at XXXX and : *failed to mention it was CitiBank & *failed tXXXX mention the call was being recorded I advised the agent as such and having asked for a supervisor, alerted him to the remissed advice the call was being recorded. 
Supervisor ended the call.

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 2020-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
called Trans Union on XX/XX/20 ( spoke to XXXX and then XXXX ; he wanted a police report ) ... to have multiple inquiries removed from my credit report. They advised that they could not do so and my inquires that were removed and re-added were apart of the recent data breach. They did nothing to assist me. I have also mailed in several letters in the past to resolved 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 explanation
Consumer complaint received 2018-04-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. Several years ago someone broke into my office and stole several ID documents, including my social security card, driver 's license and passport. I filed a police report with the XXXX Police Department. The XXXX   approved my report and gave me the official report number # REPORT NUMBER : XXXX I have attached a copy of the report to this complaint. 

Upon checking my credit I found an item from XXXX XXXX XXXX. I have never heard of this bank or done business with this bank. This item is a result of fraud.

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: V and H Portfolio
State: AZ
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Received a notice that Vance & Huffman LLC has a collections item on my credit report. I believe the debt is paid. I asked for proof it is not paid and that they own it. None has been provided. I want them to remove the account and cease activities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-18
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
The vehicle was purchased with an extended warranty that should have covered the drive train. I reported an issue the the transmission and they said the issue was out of the scope of the warranty. This problem later led to mechanical failure of the vehicle. I informed them that I was not going to continue to pay for the vehicle but it was useless unless they would warranty the damage, they refused therefore I surendered the car back to them and it has since affected my credit negatively

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I'm having issues updating my address on my credit report.

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 2018-02-09
Company: States Recovery Systems, Inc.
State: SC
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am making a formal complaint about this debt from the University XXXX XXXX in the amount of XXXX, I have not received any notification about this debt since 2013 I have spoke to XXXX about this bill, with no response about a resolution. I am now being inform that the debt has been sold to a credit collection agency States Recovery System, Inc whom i have know contact information for or a written contract with.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: SYNCHRONY FINANCIAL
State: NJ
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:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft SYNCB/TJX Account Number : XXXX This is not mine.

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 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
To whom it may concern, Hi my name is XXXX XXXX XXXX. I have XXXX accounts of credit report that is hindering me badly and its causing mental and physical breakdowns. The following accounts are : XXXX XXXX XXXX XXXX XXXX XXXX These accounts are hindering because I am trying to move my family into a house but because of these fraud accounts that I did not apply for, they are bring my score down and its causing turmoil in my life. I am stressing because I have to move my family into a bigger home. My mental state of mind is declining also. I am not eating, sleeping and functioning right because I do not what to do. I been disputing these accounts because its identity theft. These are not my accounts. I would like these accounts remove so I move on and get my family a home. These accounts are hindering my credit score and I am being denied left and right. Once these accounts are removed, I will finally be able to provide that home for my family.

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 2020-01-24
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am reaching out because I had a modification done on my mortgage in XXXX which started in XXXX. My property address is XXXX XXXX XXXX XXXX XXXX, FL XXXX. My name is XXXX XXXX. This was because my payments were deferred in XXXX due to me being in a disaster area. I was never informed that after the 3 months, I would owe three months of payments so the mortgage company told me to do a modification to have those payments tacked to the back of my loan. 

The process with the bank was confusing, exhausting and drawn out. I barely received guidance or information on what was happening with the modification which went on for almost a year and was never completed by XXXX. I called 2-3 times per month from XX/XX/XXXX XX/XX/XXXX and was always told it was being processed. 

In XXXX ( XXXX ), my mortgage was sold to Shellpoint and they completed the modification in XXXX or XX/XX/XXXX but I wasn't told that there would be a separate lien on the mortgage that would need to be paid before I could refinance. This whole fiasco came about because of the lack disclosure from XXXX on how the deferment worked when I applied in XXXX. Had I known that it would cause all this, I would have struggled through to make my payments during that time. 

I recently tried to refinance with XX/XX/XXXX, and they are telling me I have a lien with HUD on title for {$30000.00}?? 

I need answers on where this is coming from and why this is happening. I am being told that I have to pay {$30000.00} in order to do a refinance. I was never notified of this, and do not even know where {$30.00},

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
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 went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: Carvana Group, LLC
State: WI
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:
Carvana XX/XX/2021 This is a hard inquiry and I already have one from another time I had already had my credit ran and signed the contract in XX/XX/2021 anything after that is wrong and shouldnt be shown on my hard inquiries because I had already had my car

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX listed the negative item on my credit report under another name ( XXXX XXXX ) ... I have contact them and advised that the previous fees paid on the account should be credited and not have the pay the full amount pay. Need the negative item removed immediately. They have also done illegal active on the account to stay on the credit report ... .stating that I paid {$1.00} on the account so it can be active. Also making changes on the account, by changing the amount due on the account several months in a row.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27
Company: Fedloan Help
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Hello, I am trying to certify my public service for loan forgiveness. I work for my Town XXXX XXXX in Colorado Since XX/XX/XXXX. I have applied XXXX, XXXX and XX/XX/XXXX, three times and got three denial letters. I have called in XXXX and XX/XX/XXXX and the customer service says they emailed the request to their supervisor. Nothing. 
Help me please. 
XXXX

Company response to consumer: Untimely response
Consumer complaint received 2019-10-24
Company: Kelsting Group, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a collection on our credit reports that is not ours. PCS ( Pacific Credit Services is  not my account. Account # XXXX {$1700.00}. I have tried to get copy of any signed agreement proving the debt and have not received a response. I have also tried disputing with the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-14
Company: Finance System of Green Bay, Inc.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
After this debt was paid, I called the company, Finance Systems to make sure they will remove this. They told me that they will report this on XX/XX/XXXX and it is not showing it. I have their receipt that they mailed me to show that this debt is paid off. 
This company is know for its tactics and dragging their feet once debts are paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 WAS RECEIVING BILLS FROM A COLLECTION COMPANY. I WONDERED FOR DAYS WHY I RECEIVED THIS COLLECTION BILL TWICE, IF I KNEW I DIDNT OWE ANYTHING. I GOT ONTO MY XXXX XXXX   AND SAW I WAS SENT TO COLLECTIONS AS WELL. I TOOK ACTION AND PULLED MY CREDIT REPORT ON XXXX XXXX. I AM EXTREMELY SHOCKED WITH THESE ACCOUNTS ON MY REPORTTHAT I HAVE NEVER OPENED. THESE ACCOUNTS DO NOT BELONG TO ME PLEASE REMOVE THESE ITEMS FROM MY REPORT

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 2020-05-22
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:
Not my accounts or inquires

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 2018-02-09
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:
I disputed a charge on my account that was from a clinic that is running a scam. 
The bank denied my claim without proper research or efforts, because the clinic provided receipts that had " all sales are final ''. 

I filed the charge back claim with the bank for the reason " 53-not as described or defective merchandise ''. 

I gave the bank all that I could with my knowledge of such matters to include : a statement from a witness that showed that I was in pain from the " test injection '' and the drug was not as described nor suitable, print outs of claims and descriptions made about the services I was sold, and an email from the clinic that showed that I had not even received any of the treatments or drugs from them. 

I also provided links to direct them to articles that showed in detail the type of scam these clinics are running. These types of clinics have been prosecuted in other states for doing the exact same thing that was done to me. And there are many articles about it. 

I do not believe the bank is honoring the consumer protections that are common to XXXX debit card holders. I do not believe that they did any research to see that the clinic was indeed fraudulent, deceptive, and that the product was not as advertised. 

They denied my claim because they did not want to make an effort to research the incident. 

Furthermore, I had called several times getting different directions from each person I had talked to. I had made efforts to get documents faxed over to them. They never responded to my faxes and I kept having to call to find out what actions they were taking. 

After hours of time and several phone calls, I finally talked to a manager that kept saying that it did not matter how long I talked he wasn't going to do anything.

Company response to consumer: Closed with explanation