BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
Bank of America is discriminating against businesses and individuals involved with the legal purchase/sale/use of firearms/guns. They do this by increasing the interest rates and down payment requirements for those involved with Second Amendment lawful business activities. The Bank uses personally identifiable information ( PII ) to monitor and deny financial services to individuals and companies who are engaging in completely legal. This is inappropriate use of their considerable size and financial influence.

I must point out that the US government bailed our Bank of America during the financial crisis, of which BoA was a major cause. They have used the bailout from the taxpayers to pay their executives higher bonuses.

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 2017-11-29
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:
I have contacted Transunion several times regarding inquiries that was not initiated by me. They refuse to remove them. I would like proof of these inquiries. They are as followed : XXXX /XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
Company: Marlette Funding, LLC
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
On XX/XX/XXXX, I received a loan of {$15000.00} from XXXX XXXX. The loan payments were drawn from my check account, {$480.00} every month. 
On XX/XX/XXXX, I paid off the full balance of the loan. However, the next day, {$480.00} was withdrawn from my checking account. 
I have contacted XXXX XXXXXXXX about 25 times since then, asking them to refund the {$480.00} overpayment. 
In each instance, XXXX XXXX has taken my information and promised to resolve the issue. Yet here we are, almost a year later, and they have not yet repaid me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX ( XXXX XXXX XXXX ), a wholly owned subsidiary of XXXX placed me in collections for a bill that I never received. My first notice was the harmful, damage to my credit score when I received a notice from a negative report showing up by my credit monitoring service. I contacted XXXX regarding this collection on XX/XX/XXXX. They claim that I owe a doctor for services rendered on XX/XX/XXXX. I told them I never received a bill or notice of collection. They responded that they sent it and it came back. I gave them my address and asked for more information. They tried to get me to pay {$450.00} to have the collection removed from my credit report. I told them I was not familiar with the claim or alleged doctors claiming to have provided me service. I am a senior citizen living on a fixed income. I can can not afford to pay extortion money to Collection Agencies like XXXX who bully senior citizens. I got the name of the doctor and contacted the hospital to try and reach him to no avail. I then contacted XXXX to inquire as to why the bill was not paid. The XXXX Representative reviewed all of the charges and payments for that claim, including 4 different doctors that were paid for services rendered. XXXX had not received any claim from this new doctor. They also indicated that it is " Illegal '' for Doctors to bill patients without first billing XXXX. It is an " Assignment Violation '' to do so. Further, the said doctor never sent me a bill in the first place. It seems very unfair to harm me and my family by further damaging our reputation and credit scores by sending it to collections without ever sending me a bill in the first place. I contacted XXXX again today to complain. I also gave them my XXXX Number, which is also my Social Security Number plus a letter. No wonder, " Identity Theft is so rampant in America today. I have also been harmed greatly by Identity Theft due to this very sort of stupidity in our systems. I asked the lady to bill XXXX if they believe I owe them money and to remove the " Collections '' reported to the three ( 3 ) credit bureaus. I also contacted XXXX the parent company of XXXX to complain about their " Extortion '' attempts to pay them off for removing the Collection report. XXXX said essentially they do not care and to take up the matter with XXXX. I refuse to be bullied and pay extortion to criminals like XXXX. The Fair Credit Reporting Act is a joke. CFPB, DO YOUR JOB!!

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 2018-03-21
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
PNC is my bank, and they are not SHOWING THE CHECK NUMBERS WHEN i WRITE A CHECK!! I WRITE CHECKS THAT ARE PROCESSED ELECTRONICALLY, FOR EXAMPLE TO XXXX   XXXX AND XXXX. 
THEY ARE NOT SHOWING THE CHECK NUMBERS WHEN I ACCESS MY ACCOUONT ON THEIR WEBSITE!! THIS IS FRAUD, I ABSOLUTELY NEED TO SEE THE CHECK NUMBERS TO KEEP MY CHECK BOOK IN ORDER! A check just came through today with a number on it through XXXX XXXX, and it was written a month ago!! 
One of them is responsible for this fraud!! XXXX XXXX XXXX checks always go through with a couple days because they are processed electronically. 
However, I CAN NEVER, EVER SEE THE CHECK NUMBERS TO VERIFY THAT IT WAS INDEED THE CORRECT CHECK THAT i WROTE! 
aND PNC PULLED ANOTHER STUNT THIS PAST WEEK, I DEPOSITED TWO CHECKS, AND A FAMILY MEMBER WAS IN THE HOSPITAL. THEY ASSURED ME THAT THEY WOULD CLEAR, AND I WOULD HAVE NO FEES, THE NEXT DAY ON XX/XX/XXXX, THERE WERE FOUR FEES!! I HAD TO BEG AND PLEAD WITH THEM TO REFUND THE FEES! THEY ARE NOT GIVING ME CORRECT INFORMATION, I AM ALREADY UNDER A MASSIVE AMOUNT OF STRESS, I DO NOT NEED THIS FROM THEM ALSO. IT WAS AN ABSOLUTELY HORRID EXPERIENCE THAT THEY PUT ME THROUGH! THEY NEED TO BE INVESTIGATED AND FINED! AND THEY CAN NOT WITHOLD THE CHECK NUMBERS FROM ME FROM WRITING CHECKS THAT GO THROUGH ELECTRONICALLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 was a XXXX card opened in XX/XX/XXXX in the amount of {$2000.00} which now carries a {$2500.00} balance that does not belong to me. 
Also, theres an account with XXXX that does not belong to me opened in XX/XX/XXXX in the amount of {$4000.00} that looks like an Installment loan. Not only is it not my account but its too old to be reporting to my bureau after 12 whole years already. Theres an account with XXXX XXXX XXXX XXXX for {$66.00} thats fraudulent as well. None of these are my accounts.

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 2022-08-11
Company: Rozlin Financial Group, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX has illegally hired a debt collector and illegally shared my information and subjected me to spying, stalking, and XXXX terror, identity theft, blackmailing and more. My account was set up so there can no automatically payment can be made, and then they closed it so during the so I had no accesses to my account during the time period they want to charge me for. Then I get an email from a illegal debt collector who claims to have been hired by XXXX. After receiving the scam debt collector agency, I contacted XXXX and demanded them to cancel the false debt collection, which they did not. I herby press charges against XXXX, and Rozlin Financial Group, Inc ( RFGI ). Please arrest everyone involved and make sure that they can not ever terrorize the citizens of the united states again. 

Thank you. 

XXXX XXXX Rozlin Financial Group, Inc ( RFGI ) XXXX XXXX XXXXXXXX XXXX, IL XXXX ( XXXX ) XXXX Website : www.rfgionline.com Pay online : www.rfgionline.com/pay

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 2021-05-06
Company: CREDIT ACCEPTANCE CORPORATION
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
The company sold the vehicle years ago and till this day, they are still reporting the account on my credit Even if I haven't had that vehicle in years, they are still harassing me and its illegal to still report a vehicle that you no longer have or have the rights to the vehicle

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 2019-03-26
Company: Strategic Alliances, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Week of XX/XX/XXXX, a company who calls themselves " First Financial '' called my XXXX year old mother 's home looking for me. Mother 's phone # XXXX. The call came from # XXXX. They asked for me by a prior name, ( XXXX XXXX ). I haven't had the last name XXXX in over 9 years. They told my mother they were looking for me to collect a debt and they had a 'claim ' against me. My mother tried to find out more information but they refused to give her anything. My mother was highly upset which is not good for an elderly woman. I personally called XXXX to find out more about it. I spoke with a man calling himself XXXX who said he was from XXXX GA, company named First Financial. I asked what he wanted and he said he had a claim on XXXX XXXX. I told him my name was no longer XXXX XXXX. I asked him to stop calling or at least mail something to me and he refused. I asked him to stop calling my mother and he said until it's resolved he won't take the name XXXX XXXX off of his list and won't take my mother 's phone number out of his list either. I want this stopped. I had a bankruptcy in XXXX under the name of XXXX XXXX and I shouldn't owe anyone anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10
Company: MARINER FINANCE, LLC
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I was trying to a person loan and have applied for a pre-qualifed loan which doesn't effect on my credit score. However, " Mariner Finance '' has asked my information without consent and notification to customer.

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 2018-07-18
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
In XX/XX/XXXX I called the automated line with XXXX XXXX to find out my minimum amount due. This was after my account was locked due to multiple attempts trying to access my account online. Upon entering my credit card information, I was informed there was a XXXX minimum amount due. I have made several payments in the past early and was under the impression ( through their account information line ) I had already made the payment. 

However, in XX/XX/XXXX I received an alert through Experian that my XXXX XXXX had reported me 30 days late. I immediately called XXXX XXXX. I informed them that the system had stated I had already made the XXXX payment. The customer service representative then informed me that my credit card had been canceled and a new card was being mailed. This was a precaution due to the XXXX  data breach. Keep in mind, I never received a call, a letter or an email. They simply canceled my card without any notification. As a result, when checking my account for my monthly amount to pay the credit card number was no longer active so it reported me not late and XXXX due. After 2 weeks, I never received my new card. I called and XXXX XXXX stated they would send one out immediately. After 2 MORE weeks, no card. I called AGAIN and they stated that it was being mailed out. I do not feel that this is my fault and should not be held responsible on my credit report for 7 years when something was done without my knowledge that affected my credit. I have disputed it with the credit bureaus with no luck. I called XXXX XXXX and they said I am no longer able to dispute any misinformation since it has been over 60 days. 

I had to dispute another credit card company due to the exact same reason. As a result of my letter of Goodwill, they removed the late payment from credit report. I have mailed the same letter to XXXX XXXX without any luck.

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 2019-03-26
Company: Navient Solutions, LLC.
State: PA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/2019, I was called by XXXX XXXX XXXX regarding a friend who had used me as a reference. They proceeded to ask me for my friends information, which I find very invasive. I declined and let them know I would inform they called.

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 2021-05-06
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 COLLECTION IS REPORTING {$1600.00} A INCORRECT ACOUNT ON MY CREDIT REPORTS. THE ACCOUNT IS NOT MINES ME AND MY FATHER HAVE NAME.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been following up with Equifax regarding some incorrect information they are reporting about me. I sent in a dispute on XX/XX/2019 and they sent me back the incorrect report. They are still reporting the balance of {$160.00}. I have a letter from XXXX XXXX XXXX XXXX saying it was paid in full. 

I would like to know why I was sent the incorrect report. I need this removed from my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: EOS Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I do not have electricity or gas bill in collection. This is not me. I was never informed of such action before you deemed I was responsible and added to my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
Company: The Outsource Group, Inc
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
When I originally called to set up payment arrangements on this account I was told as long as I set up an arrangement by XX/XX/XXXX or XX/XX/XXXX..i cant remember, this would not go on my credit. I had spoken to an XXXX. I called today to make my payment and I asked again about my credit and they told me it would go on my credit XX/XX/19 if I did not set up automatic payments. This IS NOT what I was told. If I would not have asked, it would have gone on my credit without my knowledge. I feel this unethical and I want every phone call pulled when I called in and listened to so you can see that they are less than truthful. No one told me this would go on my credit. I get a statement every month and no where on it does it say if i do not set up automatic payments, that it will go on my credit. They told me it would not. I set up to payment arrangement for {$200.00} a month and that is what I have done. Last month I paid my payment on XX/XX/19 and they called me XX/XX/19 and asked for the balance in full? They are unethical and harassing me and this could cause me great harm if it is reported to the CRA 'S. I do not have a problem setting this up automatically but no one told me until I asked today that if I did not it would effect my credit. I am wondering how many other people that this has happened to?

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 2018-03-21
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
I begin working for XXXX XXXX XXXX in XX/XX/XXXX and been promoted to XXXX XXXX XXXXXXXX for the XXXX XXXX XXXXXXXX then transfer to XXXXXXXX XXXX XXXX XXXXXXXX and because of my position I was requested to order office supplies with purchasing card with the XXXX XXXX XXXX XXXX because I was the XXXX XXXXXXXX XXXX informed that it had to be in my name the first card issued was XXXX XXXX and then over time they change purchasing system and the credit card change as well I never apply for a credit with Chase or JP Morgan Chase this credit was used for XXXX XXXX and the XXXX XXXX   XXXX XXXX was in charge of it. I called today and Customer Services XXXX from Chase state that the card last four number are XXXX and was charge off in XX/XX/XXXX to a XXXX XXXX and they customer services number is XXXX I ask the supervisor documentation that I open they credit card and she told me to write Chase Card Services at XXXX XXXX XXXXXXXX, XXXX, DE XXXX for this documentation why that banks are allow to sell your credit information and accused you having a credit card and do not have official documentation of the credit in the system and they claim they have recovery system but do not is this legal to accused me of have credit card and do not give proof of it and is it legal to sale my social security number and credit history and when called this number is was not a debt collect but a system that ask if I'm XXXX years or older this is agency they sold my credit information and my social security number to is this legal please investigate this agency and ensure they operating according to United States Federal Regulation I would not open any credit but because of the job gave my information I was told by the back ground investigate with the United States Federal Government that I had pay up all debt and this is not me and the United States Federal Government debt should not be on me and all misconduct and mismanagement found all individuals involved be convited according to United States Federal Regulations

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: GREAT LAKES
State: DC
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX I was reviewing my federal student loans, which are held by XXXX XXXX XXXX XXXX. I noticed that my interest rates had all increased - for instance, for my Direct Grad PLUS loan, my interest rates of 6.96 % had changed to 7.2 %. For my FFEL unsubsidized loan the interest rate had increased from 6.55 % to 6.96 % For my FFEL subsidized loan the interest rate increased from 5.35 to 5.59 %. The same can be said of my Direct loans, of which there are 10 tranches ( but I would be happy to outline the interest rates  and increases if needed ). 

On the same day, XX/XX/XXXX, I contacted my loan provider Great Lakes. I expressed my concern to the representative that my interest rates had increased at some point before XX/XX/XXXX and the last time I had checked my account, at the beginning of XX/XX/XXXX. The representative insisted that my loans were at a fixed-rate interest rate. I agreed, and said that the interest rates had increased regardless. She insisted this was not correct, but agreed to email me a copy of my original MPNs to indicate that the rates had not changed. 

After a day I had not received my MPNs from the loan provider. I found the MPNs myself through studentloans.gov and confirmed that the interest rates were what I had them documented as, instead of what Great Lakes was claiming them to be. I was going to call Great Lakes again, but I noticed online that the rates had been changed back to what they originally were supposed to be. 

I feel that Great Lakes is therefore exercising these practices with other people, who may not notice that their interest rates have increased. I 'm also fearful that they will try to increase the rates again, even though the loans are fixed-rate loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation