BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
ON XX/XX/2023 I DISPUTED FALSE INACCURATE INFORMATION ON MY CREDIT REPORT. THE CREDIT BURUEA RESPONDED STATING THEY HAVE VERIFIED THE DEBT. I THEN RESPONDED BACK ASKING FOR VERIFICATION PROOF FROM THE INVESTIGATION OF THE DEBT WHICH WAS IN THE AMOUNT OF {$26000.00}. THE CREDIT BUREAUS REFUSE TO SEND IN PROOF OR REMOVE THE INACCURATE/FRAUDULENT ACCOUNT FROM MY CREDIT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am earnestly appealing to you to eliminate this entry from my credit report as it does not belong to me and is entirely fraudulent. I request that you take immediate action to investigate and remove this erroneous information from my credit profile.

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 2023-03-15
Company: Experian Information Solutions Inc.
State: MI
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX account number # XXXX 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 account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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 convictions of crimes which antedates the report by more than seven years.

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

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 2019-07-24
Company: CITIBANK, N.A.
State: MT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I recently reviewed my credit reports and noticed a hard hit inquiry made by CITI on XX/XX/2019 that I don't recall authorizing. I am a victim of identity theft and regularly monitor my credit reports. I called CITI on several occasions with the attempt in resolving this matter informally and unfortunately i haven't had any success. My most recent call occurred today and like the previous calls the hard hit inquiry wasn't confirmed that I authorized it and that it was made with a permissible purpose. Like my previous phone contact with CITI representative this one was unprofessional and when I was asked to speak to a Supervisor they simply disconnected the phone call.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was a tenant at XXXX XXXX XXXX in XXXX XXXX, TX for few years and at the time of my move out, I asked management to do a walk through with me to make sure that apartment was clean and in order to avoid any misunderstanding or charges applied to me once I vacated the unit. I took pictures of the apartment on the same day that we did the walk through. Per management stated to me verbally and conversation was recorded and management was aware of this recording and agreed and said to me that I have a XXXX balance and nothing is owed. Also stated apartment was in excellent condition. The manager said that your account is paid in full with a XXXX  balance. However, 6 months later, I looked at my credit reports ( XXXX, XXXX, XXXX  ) and that they have placed me in collections for the amount of {$120.00}. This has affected my score in a tremendous way. I have made several attempts advising them this is not correct and asked them to provide pictures showing what they are charging me for and this has not been provided to me. I am requesting that XXXX XXXX delete this from all 3 of my credit bureaus ( XXXX, XXXX, XXXX ) so that my score will not continue to be damaged.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: ProCollect, Inc.
State: MI
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Pro Collect has XXXX collections for XXXX apartments XXXX for {$790.00} and the other for {$980.00} i have disputed this and told them it was identity theft and i didnt live in any of these apartments. I have even tried to settle for half the amounts that is said to be mine on both accounts the rep over my account is rude and will not correct any of this. ive asked several times for the contact with my legal wet signature i also asked him to send me proof of ownership of this account and he has never provided any that.

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 2023-12-11
Company: Nelnet, Inc.
State: NE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have had NelNet as a student loan service provider for 23 years now. 20 of those years I have had consolidated loans and every year I send in my payment plan renewal for the Income driven repayment plans. EVERY YEAR not just once or twice but for the last 20 years when submitting my forms they email me and make me resubmit them twice or even three times saying they never got them.. When my spouse and I divorced 10 years ago it became a bigger nightmare to fight with them because then I had to find him and have him sign his information which I have to submit every year twice or three times. If I call them I get the run around oh we didn't receive this or that or you have to resubmit this it takes them 6 months got get my payment plan in place and THEN several years I found out they only put it into forbearance the didn't actually apply my payment plan. This year I have had enough. I submitted my IDR request paper work TWICE once in XXXX when they sent my requalification and again in XXXX. I have sent in paycheck stubs twice and my ex husbands co maker stuff twice and NOW they are calling me because I owe them XXXX come XXXX. I have submitted everything to them per request. I have emailed their help desk to which I get a response we don't have documentation and I resend the same documentation I have sent before I save it as proof of when I sent it in. 23 years ..... I am tired of the run around, I am working I submit the paper work for my IDR plans and THEY can't do their job. I don't know if I am the only one but its a joke and something needs done!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: T.S. Holdings
State: GA
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
IQ Data International contacted myself and my son who was on a lease of an apartment we rented together. The debt collector threatened to debit the money from my sons account without authorization and threatened to report the debt to the credit reporting agencies. When I explained the debt had been paid through XXXXXXXX XXXX XXXX that I purchased for the rental property they continued to contact me and my son to collect the debt. I called and requested they send me an email so that I can provide proof of the payment. When I spoke to the rental company I originally had the debt with they confirmed the debt was paid and was not sent to collections. The debt collector refused to provide me with a name of operator, authorization and proof they currently owned the debt. I explained the debt was paid, they were not allowed to contact me anymore yet they continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I didn't received any feedbacks and resolution from these Collection departments. I need a Debt Validation for this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I took out a credit card for XXXX. I was not working at the time but had a monthy percapita. Shortly after the pandemic hit. They told me if I didn't pay it back it would follow me for 7 years and never be able to get a loan. I tried to make payments but was unsuccessful. I also made a plea to pay what was initially owed as this is almost triple what I actually owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
In 2018 I left the States and moved ( temporarily ) to XXXX. Been here eversince! The day before I left, to be prcised, on XX/XX/2018 I showed up at my local Chase Bank branch in XXXX Georgia and wanted to withdraw my money. I had {$1100.00} in my business account. I was told that due to a client 's check I deposited 2 days prior, which looked peculiar to them, they cant issue me any of my funds. That did not make any sense to me but I did not have a choice but to accept their decision. These funds WERE NOT in any shape or form part of or related to the check in question that was deposited 2 days ago. These {$1100.00} was leftover money that was deposited cash in my account, weeks before. 
Time passed by and I forgot about it, but recently I came across my bank statements from Chase ( saved on an external hard drive ) and realized I never collected my own funds from Chase Bank. I just called them an hour ago, at XXXX and talked to a " XXXX '' who after keeping me on hold for 5 minutes, came back and told me a check was issued to me in that amount. " Even if it was, it would have been in my business account name ( XXXX XXXX XXXX XXXX ) and nobody would have been able to cash it '' - that's what I replied back to her! 
About that time I told her the conversation is being recorded and then asked her if the check was cashed and if it was cashed, by whom? When she heard I'm recording to phone conversation, she hung up on me. 

I'm appealing to your authority to help me get back my money. 
Please help me, XXXX XXXX. 

P.S. Do not attempt to call me at the number I entered in the registration form ( XXXX ), It is an old number and I could not register unless on your website unless I gave a number. You can contact me via email ( XXXX ) or if you wan na call me, let me know and I'll provide a number for you. 

Thanks again, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-02
Company: QUALITY ACCEPTANCE LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I 'm attempting purchase a vehicle. I check the information the car dealer sees on my reports. I 've never heard the information before. He says I 've recently purchased a vehicle that was repossessed three weeks ago. Now I look for the first time in my life. I 've never lived at these addresses nor have I ever seen a credit report before. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: EQUIFAX, INC.
State: GA
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 was the companies stall tactic this what they sent me, so I attached my drivers license, Bank Statement and a copy of my social security card I'm submitting it thru here to make sure they get it they keep telling me they have not got it thru the mail sent XX/XX/2022 I want them to update there file so I can get all this fraudulent accounts blocked and deleted which is a violation of the Fair Credit Reporting Act, 15 USC sections 1681i, which the Credit Bureaus are obligated to finish their investigation within 30 days. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), I need the following accounts corrected now My identity was stolen me and my family of XXXX will be facing XXXX  due to identity theft please remove these fraudulent account i am the head of household my family depends on me and i really need this matter taken seriously i reached out to the debtors directly and not given any response to this matter IDENTITY THEFT REPORT ATTACHED I HAVE 3 IDENTITY THEFT REPORTS ATTACHED SO MUCH STUFF COULDNT FIT ON ONE REPORT. Companies listed below are reporting accounts obtained thru identity theft XXXX  XXXX XXXX XXXX XXXX XXXX XXXX bank XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX My Name should only be listed as XXXX XXXX all other names should be deleted my correct address is XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX all others should be deleted to prevent further fraud and any mail sent there with any dispute information my only phone number is XXXX all others should be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: SUNTRUST BANKS, INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I traded my vehicle in on late XXXX. I had an extended warranty through SunTrust. The dealership sent the check for the remaining warranty reimbursement to SunTrust in XXXX. I called SunTrust to inquire about my refund and they informed me since my loan was closed, they send the check back to the dealer and then the dealer will reimburse me. I contacted the dealer on XX/XX/XXXX for a status and they informed me SunTrust cashed the check on XXXX in the amount of {$580.00}. I called SunTrust Loan servicing and they informed me the check was sent to dealers services and the man on the phone could not help me. He sent me to SunTrust Dealer Services and the man that answered the phone told me they only talk to dealers. I explained the situation and he said he will get is supervisor on the phone. He transferred me to a number that does not exist and I was cut off. I called back and a woman answered. I explained the situation again and she gave the supervisors direct number and said she would transfer. Again I was cut off. I tried call in the supervisors direct number and it is a number that is not in service.

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 2023-12-11
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My accounts were abruptly locked while I was in XXXX, despite being assured that I did not need to report that I was traveling outside the United States, effectively stranding me on another continent. USAA refused to accept any proof of my identity, and every time I would give them what they were asking for, they moved the goalposts and refused to accept exactly what they told me they needed. 4 days later, they are continuing to give me the runaround and refusing to resolve it in a timely manner. They are refusing to give me any information. At this point I have already submitted my passport as proof of identity, and they will not fix the issue. I have zero access to my money until they do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03
Company: Lending Club Corp
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I had to change my bank account three months ago and the change did not take. They have calling at three times a day. Reporting my account late and charging me NSF fees on no bank account on file. They refused to fix the problem and will not remove the fees. The wealthy taking advantage of a consumer..

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-11
Company: Exeter Finance Corp.
State: NC
Product: Credit reporting 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 DO NOT NEED YOU TO START A DISPUTE ON MY BEHALF AS I HAVE ALREADY DONE SO AND ( BUREAU ) DID NOT RESPOND/SENT STALL LETTER/VERIFIED AS ACCURATE ( WITH NO PROOF AS REQUESTED ). 
ANOTHER METHOD PEOPLE DO IS JUST FILE AN FTC REPORT WITH ALL THE ACCOUNTS LISTED

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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 convictions of crimes which antedates the report by more than seven years.

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

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 2023-08-19
Company: Experian Information Solutions Inc.
State: SC
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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 convictions of crimes which antedates the report by more than seven years.

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

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 2017-07-03
Company: Dynamic Recovery Solutions, LLC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Out of the blue, I received a letter from DYNAMIC RECOVERY SOLUTION stating : I owe the Original Creditor : XXXX XXXX ( i never heard of ) Current Creditor : XXXX XXXX XXXX ( FIRST TIME I HEARD ) DRS ACCOUNT NO : XXXX ( NEVER HEARD OF ) CURRENT BALANCE : {$8000.00} I am surprised and worried that if my personal info has been hacked and now somebody has been using my ss no. I owe nobody and I have given nobody any consent or verbal written to do any transaction on my behalf neither I have done myself. <P/>I have been notified to dispute the balance in writing within 30 days after receiving this notice. I do n't know what to do? The company who sends me the notice is as follows : DYNAMIC RECOVERY SOLUTIONS XXXX XXXX XXXX XXXX XXXX, SC XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02
Company: SERVICEMAC, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
I am charged {$20.00} for the corporate advance fee as shown on my statement for the loan # XXXX ( see attached ). The ServiceMac agent informed me that it was the fee charged when ServiceMac sent someone to check the property. I believe that I should be informed regarding the fee prior to being charged. I have three loans with ServiceMac and only this loan was charged for this fee.

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