BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with cash advance

Complaint:
On or about XX/XX/2019, utilizing Certified Mail Receipt, No. XXXX XXXX XXXX XXXX XXXX, I submitted a Negotiable Instrument Promissory Note w/Instructional cover letter, in the amount of {$750000.00} , to Mr. XXXX XXXX, Chief Financial Officer XXXX Bank of America , XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NC XXXX ; Said instructional cover letter, in part XXXX advised/noticed Mr. XXXX the enclosed Negotiable Instrument, i.e. Promissory Note is to be 'DEPOSITED FOR CREDIT ON ACCOUNT OR EXCHANGED FOR NON-NEGOTIABLE FEDERAL RESERVE NOTES OF EQUAL VALUE ... ' and provided him the Account Number and financial institution where the deposit was to be made. USPS informed my package was delivered XX/XX/2019 at XXXX XXXX. To day/date there's been neither return of my Negotiable Instrument Promissory Note or response from Mr. XXXX XXXX, Bank of America, or other notice from anyone else regarding same.

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 2021-05-05
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Ive called into all 3 major credit Bureaus ( XXXX, Equafax, and XXXX  ) for the last few years ( on and off, every 3 months or so ) and informed them of an issue I had when my information was stolen and used for fraud ... they refuse to acknowledge this or would deny my disputes. Their customer service would not help and take care of the negative inquiries and accounts reporting to my credit report. Ive been fighting about this for years. 

Some of the inquires that came up on my credit report during this time my information was stolen and being used were ... 

XXXX XXXX XXXX XXXX XXXX ( one inquiry is in fact mine, but there is an older inquire that was not me and isnt mine ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX And XXXX XXXX/XXXX XXXX There are probably others but those are the main ones Ive been trying to dispute. My identity was stolen and used to try to get something from these companies by an ex-roommate. I KNOW that this happened due to a previous investigation I did on my own. But these credit Bureaus are refusing to work with me about this, so now Im trying to reach out to companies/people above them. I need help with this. I shouldnt have to suffer because of someone elses criminal actions. So, please ... help!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I told XXXX XXXX not to contact me via mail or telephone. I also the same from XXXX who XXXX XXXX told me was a debt collector but now they are switching to XXXX XXXX to have me sued. I have received threats of being sued. I do not have a permanent residence nor a job and can not pay this debt. I have already told the collectors and courts this information. Give me a job and I would pay but Until then I do not have a residence of my own. I just dont appreciate being threatened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-07
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Ever since NAVIENT took over the student loans for the government they have increased the interest, payments, amount charged, and total amount of the loans. It's for my daughter and the loans were signed by my father as he has helped all of his grandchildren go to college.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: ALLY FINANCIAL INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Ally has called me repeatedly to annoy or harass me. They called multiple times a day and contacted me after I communicated with them, explaining that I had COVID and would try to pay on the next payday.

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 2023-02-01
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: Professional Recovery Management
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I rented a shed from XXXX XXXX XXXX XXXX we decided to sell our house so there was no more need for the shed. We called the company paid over {$1000.00} to get the account paid up and scheduled a pick up for the shed. Then they waited months to actually pick up the shed, but kept on charging us monthly payments after they said the bill we paid would be all that was needed then sent us to the collectors at the FOX COLLECTION CENTER XXXX XXXX XXXX XXXX, TN XXXX which we now owe {$860.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 sent 4 letters to TransUnion attempting to get unverified information deleted from my credit file. I have detailed in all 4 of these letter how the reporting of this unverified and false information is in violated of the law under the FCRA. Under FCRA Section 611 ( 5 ) ( A ), " In General. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- 1. ) promptly delete that item from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and 2. ) promptly notify the furnisher of that information that the  information has been modified or deleted from the file of the consumer. '' TransUnion has failed continuously violated this law, and has failed to delete this unverified information from my credit file. I have requested reinvestigations 4 different times, all of which result in them saying my credit report has been modified, but the unverified accounts have not been deleted. TransUnion and their negligent practices are detrimental to my success in advancing in my career field. At this point, it is downright criminal.

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 2019-10-30
Company: Home Approvals Direct, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have received a letter from Homefirst Mortgage Bankers stating that they are to take legal action if I do not pay them for the month of XXXX. Loan organizer specifically told me that I did not have to pay two consecutive months. They have ignored my calls and can not explain to me why am I being asked to pay now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: CL Holdings LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX sold my information to a Debt agency and I was never given notice of them doing it. I've called XXXX numerous times letting them know that when I called to canceled service there representative told me that there was no balance due and the service was canceled and closed. I know go on my credit report and have a company that I know nothing about and I never gave them my information reporting a negative impact towards my credit. I knew nothing about this debt nor was I even given a chance to dispute it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have just recently reviewed my credit report and have discovered some inaccurate accounts reported on my credit file. These derogatory accounts do not belong to me. I also have no knowledge of those accounts and have no idea who would have access to my credit. Due to these false accounts, I have no chance of acquiring new credit. Please conduct a reinvestigation into this matter and have those derogatory accounts removed from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-08
Company: Reliant Capital Solutions, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I received a call at work from a company named Reliant Capital Solutions claiming to represent the Ohio Attorney General and asking me to verify my name and social security number for a past-due amount from the OH Att'y Gen. When I asked for verification they refused to state the nature of their business but supplied me with a number to a pre-recorded line claiming to be the Attorney General 's office, and  stated a full social security number over the phone that was inaccurate/false. The entire exchange reeked of fraudulence and should be investigated ; if indeed evidence of fraud is found, Reliant Capital Solutions should be prosecuted to the full extent of the law. 
The last 4 of the social security number are those provided by the company to me, NOT my social security number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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: Billing dispute for services

Complaint:
I contacted TransUnion online because they advertise a '' free credit report ''. I checked my bank credit card on XX/XX/19 and they are charged me XXXX a month and it says its a recurring charge XX/XX/19 XX/XX/19 -TU *TRANSUNION XXXX CA {$24.00} Merchant Info XXXX CA United States Merchant Category CONSUMER CREDIT REPORTING AGENCIES Recurring Transaction. yes

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 2023-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. 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 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. In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please 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 and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-09-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
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:
Had late payments on the account when it first opened due to creditor had wrong address on file the late fees where adjusted due to the mistake but the account never reported that correctly

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 2023-03-10
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
asked company to show proof of information used to verify a debt, they have failed to present me anything but continue to report negative items on my credit report and send threatening letters saying they can garnish my wages and bank account if i dont pay them ... iv sent 2 letters to the companies and haven't received a response, and its been over 60 days since my first letter. when i called the credit bureau they said the debt collectors validated the debt but again fail to provide me with evidence and keep using threatening language...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-08
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I applied for a credit card in the summer of XXXX. I was denied a credit card by Comenity Capital Bank. On XX/XX/XXXX, my attorney wrote a letter to the bank requesting a copy of my entitled credit report and the bank did not give me a copy of my credit report it used to deny me a card

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been living in this home since XXXX, never had an issue with my mortgage company. 

Seven years ago Portfolio Servicing , Inc. took over from XXXX XXXX XXXX, shortly after I was informed of this information I lost my job. I called Portfolio Servicing, Inc., tried to get as much information as I could to help myself. I told them the moment I was unemployed. They gave me information about a forbearance for twelve months. 
I had no knowledge about forbearance and how they worked. This I believed at the time was a blessing! I was lead to believe that at the end of the forbearance for twelve months, a portion of the the arrears would be added to the back end of my loan. After the 12th month the forbearance was over and I was bill {$17000.00}. 
due as my next payment. 
None of this concerning the forbearance was put in written form or any notices to let me know my next payment after the 12th month forbearance was going to be {$17000.00}. I made all of the payments until XX/XX/XXXX, all of the payments after the forbearance were applied to previous months causing me to fall further and further behind.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: EQUIFAX, 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 have been disputing a fraud account with Equifax since 2017 the company is XXXX XXXX XXXX. I have sent equifax police reports and documentation to Equifax stating that I been a victim of identity theft. All Equifax can do is tell me that the company stated that the account belongs to me. I have ask Equifax to provide me with proof that I open the account they will not send me any validated information saying that the account belongs to me. also Equifax telling false information they are pretty much doing what the want to do. All my rights as a consumer as been validate with Equifax and the creditor. ALSO EQUIFAX HAS 2 CREDIT FILES IN MY NAME AND SS # which means there should one be 1 credit file by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Checked my credit report. I dont owe XXXX XXXX XXXX XXXX Never been to XXXX, Fl. This is identify theft. Someone use my personal information to get health care.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
XXXX XXXX Account Number XXXX In accordance with the Fair Credit Reporting Act, 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 an account without my written instructions. I have through investigated and made normours efforts to handle this situation,

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 2019-09-27
Company: JPMORGAN CHASE & CO.
State: FL
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:
claim Number XXXX. This complaint is in regard to an unautorized charge on my account. I authroized XXXX to take out 4 payments of XXXX. They took out a payment of XXXX then a pyament of XXXX which is not what I agreed to. Here is a screen shot from my XXXX account supporting my position the first payment was charged correctly but the second payment was not. XXXX XXXX XXXX changed me to out of state by mistake but XXXX keeps trying to charge me the incorrect amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: EQUIFAX, INC.
State: NV
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 are not my accounts. This is a second request. Please remove it from my credit report. 103 Claims true identity fraud/account fraudulently opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: OneMain Finance Corporation
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
Received loan from One Main Financial on XX/XX/XXXX for air/heating system replacement. Paid off loan before end of 60 month contract on/about XX/XX/XXXX. Read of deceptive practices finding of company. Reviewed paperwork to discover that life insurance was charged with loan ... no company listed. Made approximately 10 payments before paying off early. Was not refunded for interest or insurance that was not advised of or explained. Was just given a payoff amount to submit. Did not want negatively affecting my credit so submitted as required. Requesting what is due to me ; insurance, interest, credit for payments made and all other charges that should have not been assessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
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: Information belongs to someone else

Complaint:
I have attached and FTC report for an account that 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 non-monetary relief