BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-10
Company: TRANSWORLD SYSTEMS INC
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
This complaint serves as a follow-up on complaint # XXXX. Previously, my student loan servicer " University Accounting Service '' ( UAS ) informed me that I held a student loan owned by a lender " XXXX XXXX XXXX '' ( XXXX ). UAS would not provide a copy of the master promissory note nor would they provide contact information for the listed lender XXXX. My own investigation of this lender suggests that this lender either does not exist or can not be contacted, which I believe violates my rights as a borrower. As a direct result of my previous complaint with the CFPB ( # XXXX ), UAS did eventually provide a master promissory note for this loan signed in 2008. However, both the creditor and the lender listed on the master promissory note have since declared bankruptcy. Given that neither the original creditor/lender nor the current lender can be contacted, I have serious concerns that my rights as a borrower are being violated in that I am unable to verify to whom I owe this debt. I am requesting that either UAS provide valid contact information for the lender or that UAS provide documentation that the lender ( XXXX ) is in fact an active organization ( there is no indication that this is currently the case ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 recently reached out to the credit bureaus to Get them to verify my bankruptcy. my results came back verified but the court house do not share information with third parties like bureaus. The law states that they must verify with the original furnisher which is the court. The bureaus are in violation of the law and I demand this bankruptcy and bankruptcy accounts are deleted due to improper verification. I have enclosed documents showing that the courthouse doesn't share information with credit bureaus. I also put a freeze on my XXXX XXXX, which they stated they got the information from. Clearly another lie because I put a freeze on it and they are not the original furnisher of bankruptcy information. I know the laws and I'm prepared to exercise them.

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 2018-12-04
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
XX/XX/2018 The car was in a accident and total the insurance need to come out and inspect the car I explain to usaa that I will not be making a payment the vehicle will be in inspect and when I receive the payment for damages I will make a payment to the loan and work on getting a new vehicle and combine the rest of that loan amount with my new loan. They told me that the car would not be repossessed because it was damaged and I was waiting for settlement but the inspector came out and the car was gone so they denied my claim for the accident

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
USING THE DISPUTE PROCESS FOR CREDIT REPORT ISSUES DISPUTE ISSUES : CUSTOMER SERVICE CAN NOT CONTACT ANYONE FOR HELP. EVERYONE AT EQUIFAX IS UNAVAILABLE. 

SENT 2 DISPUTES BY US CERTIFIED MAIL. BOTH WERE RECEIVED AS CERTIFIED BY USPS. WHY 2? 
FIRST SENT/RECEIVED XX/XX/2019 -- XXXX. 
SECOND SENT/RECEIVED XX/XX/2019 -- -- XX/XX/2019 SPENT 2.5 HOURS ONE DAY AFTER BEING 8-10 TIMES FROM NEVADA -- XXXX -- XXXX XXXX -- -- XXXX . ASKING FOR STATUS OF DISPUTE, AFTER 45 DAYS IN THEIR POSSESSION. 

SPENT OVER 3 HOURS ANOTHER DAY AFTER SENDING SECOND DISPUTE LETTER. SAME LOCATIONS, NO HELP PERSONNEL COMPLETELY INEPT! SEEMED UNABLE TO VERIFY ANY INFORMATION. SECOND DISPUTE WAS THERE FOR 9 DAYS. 
COULD NOT OFFER ANY ADVICE OTHER THAN TO SEND A THIRD ( 3rd ) DISPUTE!!!! 
EQUIFAX CAN'T FIND MY CERTIFIED MAIL I FEEL THERE IS NO ACCOUNTABLE EMPLOYEES AND MY CONFIDENTIAL INFORMATION HAS BEEN MISPLACED OR STOLEN. 
EQUIFAX HAS A POOR RECORD WITH SECURITY ... .RIGHT?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: STATE FARM BANK, FSB
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:
cra violation sent po report and idtheft gov not mine state farm and XXXX taking more than 30days

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-14
Company: ZIONS BANCORPORATION
State: CO
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:
They closed the account and said it was all over and closed, but still shows up. This is with Zions Bank.

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 2019-07-14
Company: EQUIFAX, INC.
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 very unhappy with the equifax service as i wanted to pull out my credit score to buy a house for the first time ever and i heard that equifax is the only reliable credit report that the mortgage people accept. I pulled out the report and my credit score came out to be low and then i observed that there is one more name resembling to my name on my account and i had her all bank and job and phone account under my report which is incorrect and because of which reason i was unable to buy the house i wanted just because the mortgage people wont proceed without the report. I called equifax and i told them what wrong is happening with my account and i told them what account were mine and which all were not and the representative noted it all. He told me it would take 10-15 days to implement the changes made. I waited for another 15 days and got my new report which had the same lady 's accounts as well and nothing was changed on my file. Instead they removed my credit card without even my consent. I again called today and wanted to sort out things but they said it will take another 15 days and wanted me to fill out a dozen forms and send some documents. I again received an alert on my file that my address got changed now which was incorrect because i never chnaged my address. how can someone else make changes to my account and if i need to get things straight and correct then i have to fill forms and wait for a period which totally is baseless and does not make any sense to me. Now someone else is operating my account as i should say that it is an identity theft and i am not being helped accurately. I am very annoyes and i wish there was some another company in competition with this company so that there is professionalism and accuracy maintained and so they will know if they dont provide accurate report then the company opposite them will. That is my personal opinion as equifax here is just wasting peoples time and doing nothing. I have wasted so much of time and missed the houses i wanted to buy just because these people have played with my identity and account. Its XX/XX/XXXX today and it has been a month now but still someone else is operating my account. I need an action against this please. I want all the accpiunt removed from my account which are not mine asap. I am also including the report and please confirm with me about my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: Commonwealth Financial Systems, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
the two debt listed by commonwealth finance are  incorrect, they reopened old bill, & the hospital they are collecting for was given my insurance info i had XXXX XXXX XXXX though medicaid office from XXXX up to XX/XX/XXXX, then moved to pa and have been cover under medicaid since XX/XX/XXXX ... my contact number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: A.R.C. Accounts Recovery (U.S.A.) Corporation LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I receive a letter from A.R.C Accounts Recovery ( U.S.A. ) Corporation LLC dated XX/XX/2018 claiming that I owe the XXXX XXXX XXXX XXXX XXXX {$2300.00} ( XXXX XXXX ). I have been in the US for 15 years and have never done business with the XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2020-10-09
Company: M&T BANK CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Hello, my issue is with M & t bank. Back in XX/XX/2020 I recieved a SBA loan for my XXXX  that I am XXXX XXXX of, everything was fine I was rebuilding my XXXX  everything was going well. Until XX/XX/2020 my account was frozen. I was told it could take 48 hours to review. I patient ly waited, heard nothing from them called back for them to tell me they had no new information. So of course I offered to give them my LLC, EIN, and loan application which I emailed to the bank  manager XXXX XXXX. I call literally every single day up until last week when I was told the bank manager would be going on vacation. Then started back calling everyday just for a update. The 1800 # as well as rhinebeck back, have no information. I've asked for a time frame. Still nothing. So now its been over a month and their withholding my money that I am paying interest on.

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 2019-05-15
Company: AFNI 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:
I received a letter of communication from this company on or shortly after the first of XX/XX/2019. The letter of communication claimed I owed a debt to XXXX and that I had 30n days from the date of the letter to request that AFNI. Inc validated this claim that I owed XXXX. I in turn sent AFNI not only a validation request with was received and signed for by the company my communication also included all required information regarding Identity theft. AFNI, Inc is not only in violation of my rights because this alleged debt has been posted to my credit files without proper validation. AFNI, Inc has also blatantly chosen to not follow and abide by federal law outlined in the Notice to Furnishers of Information regarding Identity theft victims. If AFNI, Inc was following the laws outlined for them in the FCRA I would have received validation before they ruined my name and credit rating with inaccurate erroneous fraudulent information. AFNI, Inc must remove this information from  my credit files immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Citibank froze my savings account without explanation. The fraud department refuses to even speak with me as they claim my phone number ( XXXX ) XXXX XXXX can not be verified. So I can not proceed further. Ive tried escalating the issue with no success. The number has been in my name for 15 years. I regularly receive texts from Citibank on this number. All I want is my account unblocked and to close my account and never have to deal with Citibank again.

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 2019-07-14
Company: Experian Information Solutions 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:
Ive disputed a Bankruptcy Chapter XXXX account several times thats reporting on my Experian credit report. Experian has stated that the account has been verified by the third party reporting agency XXXX. I disputed the account with XXXX in which they deleted the account from my report. I sent another dispute letter along with the letter from XXXX to Experian. Experian sends me a updated credit report stating that the account was once again verified by XXXX. How was the account verified by XXXX when they deleted it from my report? In 2018 Experian deleted the account from my report but reinserted it.

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 2020-10-08
Company: Experian Information Solutions Inc.
State: CO
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:
I have reached out to Experian in regards to an account listed on my credit report requesting validation that this debt is in fact mine. Experian claims to have validated this account on several instances, but did not send me proof of how they validated this alleged debt or who validated this debt as requested. Below is listed the days I sent letters to Experian  seeking proof of this debt : Experian XX/XX/2020, XX/XX/2020 and XX/XX/2020. Experian continuously violates FCRA laws by not properly validating this alleged debt and refuse to remedy this account. 


The account number is XXXX ( {$690.00} )

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 2019-07-10
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
On XX/XX/19 I called on the phone for a free annual report from all three credit bureaus. I received my annual reports from XXXX and XXXX. I called again on XX/XX/19 and ordered my free annual report for just Equifax. It is now XX/XX/19 and I have not received or been contacted by Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
We received claims for medical debts from our providers, which we paid through our XXXX XXXX XXXX. We have done this dozens of times with no issues. We were called by AWA Collections and informed that they were collecting on 2 separate medical debts. We asked for a statement to be sent to us explaining the charges. They sent it to the wrong address. They called again and we said we hadn't received it. We asked for it to be sent again and informed them of our address. They sent it to our address but before we received the statement, they had dinged my wifes credit. We looked at the charges and saw that the amounts had been previously paid. We sent them statements from our XXXX, showing the exact amounts being paid from our XXXX. They asked for bank statements, which the XXXX doesn't have, so we provided the XXXX account number. They said that they would reach out to the medical providers and get back to us. It has been months and we haven't heard back, but the amount owed on my wife 's credit report is increasing due to interest.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-13
Company: EQUIFAX, INC.
State: CA
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:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C.1681 section 602 A. States I have the right to privacy. 15 U.S.C.1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a without my written instructions. 15 U.S.C.1666b section A creditor may not treat a payment on a credit card account under an open ed consumer credit plan as late for any reason. Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: Experian Information Solutions Inc.
State: MI
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:
This not a duplicate this a letter Demanding the CRA Experian, XXXX  and XXXX  that are violating the FCRA and Identity Theft identity law. 
The CRA are in-violation of Fair Credit Reporting Act 623 ( a ) ( 5 ) ( A ) Delinquency Date. CRA why are not reporting any delinquent date from your client XXXX XXXX XXXX XXXX and no delinquency history. CRA s your XXXX account also does not state the status of the XXXX account Paid in good status, opening date of the XXXX account and delinquent date 90,120 days. The account just state Debit Buyer collection {$270.00}. 
Identity Theft violation Experian, XXXX, XXXX  you allowed XXXX XXXX XXXX XXXX to create a hole new account in my Identity Type called Debt Buyer XXXX. The debt buyer account does not state whom XXXX XXXX XXXX XXXX. bought the debt from why? 
I am sending a letter from XXXX Bank stating they do not have a trade line to the debt and are not collecting the debt. Also XXXX bank state they sold the consumer account to XXXX XXXX and for further information call XXXX XXXX. But on my credit report their are two accounts with a debit of {$270.00}. ( 1 ) XXXX XXXX for {$270.00} with an opening date of the credit card and delinquent date and payment history with no mention that XXXX XXXX sold the account. The ( 2 ) account XXXX {$270.00} Debt Buyer with no connection to XXXX XXXX. No Delinquent History. 
This is just a Scam between Experian, XXXX, XXXX and XXXX XXXX XXXX XXXX to threaten consumers to pay money for their profit. 
I am not going pay XXXX XXXX XXXX XXXX were all are going 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 2019-07-10
Company: Reliant Financial Corporation
State: WA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been dealing with XXXX XXXX XXXX. This company states on my credit report that they could not locate consumer and never sent over any verification of debt before we got contacted by XXXX with a company called XXXX  XXXX. We started paying XXXX back in XX/XX/XXXX. We started paying this company after speaking to XXXX XXXX and them stating that he was the company that is collecting for them, this is after they stated that my account shouldn't be in collections. I called back to see if I could receive a verification of the debt from them as they never sent me XXXX and never got through to anyone. In XX/XX/XXXX I received a notice from XXXX, XXXX. stating that they would be proceeding with trying to collect funds on this account. At this point I assumed that my payments to XXXX with XXXX XXXX would stop as I received this notice. At the end of XXXX when my payment came due to XXXX he still tried collecting on the debt at which point prompted a call to XXXX to explain the situation. He stated that he has had issues with XXXX XXXX but had no documentation that he was no longer supposed to collect on my account. At this point I called XXXX XXXX to see what was going on. When I called they gave me a different company name that was collecting on my account, completely different from the XXXX companies already listed. I asked them about XXXX XXXX and they stated they had him listed as well. I asked them why I am now being pursued by another company if they still have XXXX XXXX on file at which point he provided me with a phone number to the new company ( again the name and number escape me and I can not find the paper I wrote it on ) and stated that he was going to speak to a XXXX and call me back. I at that point called XXXX, XXXX and never could get through to anyone, the company XXXX XXXX gave me over to and couldn ; t get through with out an access code and got a call back from XXXX XXXX to call back and when I did I never got back through to anyone. At this point I have continued to pay XXXX XXXX in good faith as I do not want to be pursued by any other company but at this point this debt is close to XXXX XXXX XXXX. I am not fully sure of the proper information on the debt as I never received a full verification of it and I don't have a clear understanding of who the heck should actively be working with me. XXXX, I keep getting notice on my credit of a missed payment to them when I have been paying monthly since XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief