BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
This is our 7th or 8th complaint, with no answers to our questions. We were ask by the CFPB to make another complaint asking more specific questions. 

We went to Bank of America for a modification loan : Why so many different representatives for one loan? 
Do you ever give said loans or do you just keep on giving said application to different representatives so that the loan will never go through? 

After NO help with modification loan. We put our home on the market to prevent a sheriff sale. Bank of America was told that our home was put on the market and we were told the all sheriff sale procedures would be stopped pending sale sale of our home. 

Why then was a sheriff sale notice posted on our front door 2 and a half months later? 
( with Bank of America knowing we had a buyer and a closing date ) Do the ever do what they say? 

At this point our attorney asked the Bank of America 's attorney to cancel sheriff sale due to the fact that we had a buyer and a closing date : Why then did their attorney deny said request? 

This caused our attorney to obtain closing amounts from the sheriffs office, which was done. 

Why did Bank of America request an additional {$6100.00} above the amount supplied be the sheriff 's office? 

We closed on XX/XX/XXXX. The check were sent to proper destination per sheriff sale protocol. 

What happen to the closing check for 11 additional month from closing date? 
Why did it sit somewhere when there attorney 's office was supposed to have things under control? 
Why did it take them 11 months to fix the problem that Bank of America started all the way back with there lack of competence with processing the modification loan? 
Why did they offer us said modification loan in XXXX, 5 months after we sold the house? 
Why did it take Bank of America and their attorney 's 11 month to find and cash the closing check? When it was Bank of America and Their Attorney 's that started said sheriff sale!! 

I called Bank of America every month after receiving delinquency notices for a house we no longer owned. I was told that that our mortgage was still open and they would look into it. This happened every month for 11 months!! 

Why did Bank of America do NOTHING for those 11 months? 
After all this why will Bank of America take no blame for all the financial difficulties our family has been going through? 

If they did nothing wrong!!! Why are they REMOVING 3 months of delinquency from our credit report? 
Why not remove all 11 months? 

It is quite obvious that Bank of America had their hands in our financial problems, THEY sure did nothing to help!!

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 2019-07-13
Company: JPMORGAN CHASE & CO.
State: VA
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:
Chase Auto received payments from my insurer XXXX and GAP for balance on Total Vehicle Loss. I made monthly payments until the claim was resolved. Sometime after final payment. Chase demanded an additional {$59.00} to cover payoff. This amount was reported to the credit bureaus resulting in a dramatic scoring drop. This has effected my ability to get my home refinanced.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: PNC Bank N.A.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was purchased by PNC Bank. I tried to pay extra money directly to the principal of my mortgage. I wasnt able to pay without a checking account with the bank or process which required extra fees. When I contacted the bank they told me to mail in a check. What kind of national bank does not have the option to electronically pay?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 recently was a victim of identity theft, and was trying to get my " free '' annual report from Transunion for review. Their webpage layout suggests that you have to establish an account to do so, and requests your credit card number in the process. Assuming they required the latter to verify my identity, and clicked to continue, and proceeded printing out my report. To my surprise, I later received an email stating that I had subscribed to their credit monitoring service, and that they had charged my credit card {$24.00} + {$2.00} tax for this disguised chargeable order. No costs were mentioned on any of the web pages I viewed. This occurred on XX/XX/XXXX. You can cancel the monitoring service online, but you can not obtain a refund. I cancelled the service twice, both times on XX/XX/XXXX, as although I received an email after the first attempt confirming cancellation, it wasn't obvious from my online account that it was cancelled ( it had an end date of XX/XX/XXXX ). Their website is deceptive, and forces unsuspecting consumers to pay for a minimun one month service when all they may want is a " free '' credit report. Consumer beware, you will be out of pocket {$27.00} with no obvious recourse!

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 monetary relief
Consumer complaint received 2020-10-15
Company: FCC Finance, LLC
State: GA
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
FCC Finance LLC is illegally trying to collect on a debt I originally had with XXXX XXXX. This debt was in collection with XXXX  in XXXX. I received a call from FCC Finance around XXXX of XXXX saying they were working with XXXX XXXX to collect the debt. I offered them a settlement at that time not knowing they had purchased the debt from XXXX. A month letter, I get a credit update saying I owned FCC Finance a loan balance from XX/XX/XXXX. FCC Finance is claiming I have an open loan with their company. I have never filed any request or signed up for any loan with FFC Finance. They purchased a debt and turned it into an open loan with payments due. This is illegal. This debt was in collection  for 4 years and now they are saying it is a current loan with missing payments. I reached out to the company and they refuse to adjust my credit report. This has caused me financial problems and a personal hardship. I have contacted the FBI and an Attorney to investigate the matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: Consumer Portfolio Services, Inc.
State: VT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Consumer Portfolio Service Unauthorized Hard Inquiry on Credit Report of consumer. XXXX XXXX did not have authorization to contact multiple financial institutions and give them permission to pull a hard inquiry for automobile financing. 

Date of Unauthorized Hard Inquiry XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
I am no longer an authorize user on XX/XX/XXXX credit account. Please update it correctly. This account is not in my responsibility. I have contacted the institution regard of this matter.

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 2021-05-06
Company: Cedars Business Services, LLC
State: TX
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:
I was contacted more than a year after I visited XXXX, XXXX by Cedars Business Services,, a debt collector out of XXXX, CA. I was informed that I had committed a traffic infraction and that I owed {$440.00}. I received no citation or knowingly committed any traffic infraction while in XXXX. 

Cedars Business Services, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, CA. XXXX, is File # XXXX, Creditor : XXXX XXXX  XXXX, Creditor Account # XXXX, Principal : {$440.00}. Phone # XXXX. 

My grandfather, XXXX XXXX was with me in the rent car that is at the center of this scheme. Since he was present during rent car event, he is assisting me to resolve this problem. 

It appears that there are license plate readers that pick up the plates from the rent cars throughout the city. The license numbers are bounced around the city for a year or so picking up additional fines and fees. 

The city is then provided the driver 's identity by the rent car company and the case is turned over to Cedars Business Services. Cedars Business Services places a hit on the persons credit records and then attempts to collect the bogus debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: Vengroff Williams, Inc
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX incorrectly sent this bill to collections which was processed incorrectly for XXXX XXXX. I called the insurance company they reprocessed the claims and paid them. This collection agency is attempting to collect a debt paid by my insurance company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: Experian Information Solutions Inc.
State: NC
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 sent a letter to Experian regarding accounts on my credit report on XX/XX/2020. I have yet to receive any update on my accounts. These accounts should be deleted 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 2021-05-25
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: Old information reappears or never goes away

Complaint:
Experience wont let me remove several companies from my credit report. Many of the transactions were handle already like the XXXX XXXX XXXX. That one was an account that got transferred to XXXX XXXX who then paid the account off. The XXXX charge was unfair because my vehicle had flood damage from hurricane and they still repossessed my car even before the date that they told me they would and this remains on my credit report. Experien refuses to remove it even though XXXX  did. A tropical storm that happened in XXXX caused master debt solutions to remain on my credit profile which is causing me rental issues during pandemic. Experian refuses to remove it even though XXXX did. I am sick of making pointless disputes when experian seems to constantly contribute to a system that attempts to keep XXXX Americans in debt. I am getting so sick of their ability to cause me setbacks

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 2022-12-17
Company: Experian Information Solutions Inc.
State: MN
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 fair credit reporting act. the list of accounts shown below have violated my federally protected consumer rights to privacy and confidentially under 15 usc 1681 XXXX account has violated my rights. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 1681section602a states i have a right to privacy.15 usc1681 section604a section2 it also states a consumer reporting agency can not furnish account without my written instructions, and i did not give written consent.15 usc 1681c ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information other than records of crime which antedates the report by more than 7 years.

15 usc 1681s-2 ( a ) 1 ( a ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has any reasonable cause to believe that the information is inaccurate. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX experian XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05
Company: MARINER FINANCE, LLC
State: NY
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:
I've been contacted on my work cell phone number 3-4 times over the previous 2 years by a company trying to collect a debt on my father ( who presumably used my phone number as a reference when applying for a loan ). I've instructed the caller in each instance to never contact my number again, and that they were illegally calling a work phone number. The last time they called was on XX/XX/2018. The company 's name is XXXX XXXX ( XXXX ), located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NY XXXX. The collector provided his name as XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: Experian Information Solutions Inc.
State: LA
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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: JPMORGAN CHASE & CO.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Someone from " XXXX XXXX XXXX  '' called and threatened that I was being taken to court on XX/XX/2021, by Chase Manhattan bank over an attempt to defraud the company to get money through false identity. The operator that answered the phone answered " corporate offices '' would not give me the name of the company. Phone number XXXX. 

I have never done business with Chase Manhattan Bank. SCAM

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XXXX XXXX, I would like to report a fraudulent XXXX transaction from my Bank of America Account made on XX/XX/19. The individual ( transferred to ) goes by the name of XXXX XXXX and his phone number is XXXX XXXX XXXX XXXX. I have also reported this case of fraud to my bank however was sent a denial letter stating that I gave this individual my account details. This is not true. The amount of transaction is {$1500.00}. In case you would like to reach me my number is XXXX XXXX XXXX XXXX Thank you-XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: Nelnet, Inc.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Nelnet which is contracted by the US Department of Education is totally dysfunctional and inept. Case in point, I sent an email on XX/XX/2019 which was a simple post discharge monitoring form, 10 days later on XX/XX/2019 they actually, acknowledge receipt of my e-mail. It is a rather simple form that requires 30 seconds to process, my account number is : XXXX. Filing a complaint is usually the only way Nelnet actually completes and processes something.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: National Enterprise Systems, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had an agreement with the company for paying the lowest amount monthly. They agreed on paying the 100 monthly without charging fees and interest. I started paying on what we have agreed. The balance was {$5000.00} when paying when down to {$3900.00}. I received a statement stated that I owed them {$5700.00}. This is incorrect information and balance. They had charge me fees and interest. I've contacted them over and over again. They said that now I have to pay {$470.00} a month even though we agreed on the payment of $ 100 monthly. I have tried to call them and they wont help me anymore. I'm very frustrated because they closed the account and now I am in collection.

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 2018-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
There were 2 reports of non-payment submitted to Trans Union from XXXX, both submitted at same time ( same date ) in the amounts of {$170.00} & {$200.00}. I paid both amounts same time by sending check for {$370.00} to XXXX. OnXX/XX/XXXXthe {$170.00} debt report was removed from Trans Union but the {$200.00} debt remained as an open unpaid debt. I called both XXXX XXXX Trans Union several times & they both keep sending me back & forth blaming each other for the error of the report not getting removed. Please help me to get this {$200.00} debt from XXXX removed from Trans Union which will make a difference from my credit score being " good '' to " excellent ". Thank you for your help.

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 2018-10-18
Company: ProCollect, Inc.
State: FL
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:
On Monday XX/XX/2018 I received a letter from ProCollect Inc. After reviewing the content of the letter, my wife & I decided to give them a call. During the conversation the agent mentioned that we can immediately pay by Debit Card, because the payment deadline is XX/XX/2018?. She explained that the original creditor sold the debt to ProCollect without contacting me first!. 
On Wednesday my daughter who was the tenant decided to stop at the creditor ( District of XXXX, XXXX, Florida ) office for clarification of the charges. The answer she received was, that we need to contact ProCollect because they already sold the dept to 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