BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-01
Company: EQUIFAX, INC.
State: CA
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:
On XX/XX/XXXX, I called Equifax to follow up on the results of a dispute that I filed based on a fraud claim on which Equifax has my supporting documents on file ( police report, FTC affidavit, ID, ss card, address verification, etc ). The claim on this particular item was originally filed on XX/XX/19 with XXXX. They reported the fraudulent account to XXXX  and Equifax. Both XXXX  and XXXX deleted the account immediately. Equifax did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I have multiple complaints about this company. This company originally contacted my mother on XX/XX/XXXX.  They said they were calling her about a Legal case filed against me. When I called back they answered the phone as law office. They refused to give me information on their location and hung up on me when I asked too many questions. They told me I was a deadbeat and didn't pay my bills They called me again today XX/XX/XXXX. They said they were calling for litigation filed against me in my local district attorneys office. They said they represented Conns, that they were lawyers and they were calling to get a statement before filing paperwork against me and sending it to me. 
This debt is almost 15 years old. It occurred back in XX/XX/XXXX. I have a current account with Conns and pay all of my bills. 
This company has harassed my family members, they pretend to be lawyers calling from a law office. The address they gave me to their business is to a postal service in California. They call multiple times per day. I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: Experian Information Solutions Inc.
State: IL
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:
I have a real estate mortgage loan from XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX  and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX XXXX XXXX with no successful resolution. Experian, XXXX, and XXXX   reporting me 30 days late in XX/XX/2019. There was an error on their part. I was never 30 days late.

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 2019-10-01
Company: EQUIFAX, INC.
State: OH
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: Problem canceling credit monitoring or identify theft protection service

Complaint:
Some one at XXXX XXXX in XXXX Ohio on XXXX XXXX like case manager XXXX XXXX before she went on perternty leave to have her baby made mother precious XXXX XXXX my payee with out my consent or authorization because I gave my daughter XXXX XXXX XXXX XXXX to complete her internship in XXXX school to get her XXXX XXXX XXXX XXXX in XXXX school. XXXX XXXX a prejudice white boy in XXXX XXXX Ohio that have been stocky harassing and blocking my Light because I am a XXXX degree XXXX trying to connect to the oneness of XXXX all-seeing I at XXXX XXXX in XXXX Illinois at XXXX in XXXX XXXX California confered degree XXXX XXXX in my seventh XXXX Degree Initiation at XXXX XXXX in XXXX Illinois where precious XXXX XXXX and XXXX XXXX the joker are with XXXX XXXX and his mother after my index finger and kids index finger. Camping out all XXXX following everyone I go even To work he has his XXXX members after me him and XXXX XXXX the joker in XXXX Ohio blocking my Light

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19
Company: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have filed a police report, submitted to the collection agency and XXXX, XXXX  as well as XXXX  this account still hasnt been removed Im a victim of fraud and Ive got documentation stating this. This was removed from my credit report then case right back. Ive filed through identitytheft.gov as well and had opened disputes that are now closed. 

The amount states that i owe XXXX to XXXX XXXX for XXXX XXXX for a credit card debt This isnt my debt this has caused my family so much issues in trying to purchase a house. Some person stole my identity and Im fight for my life to be normal again without these things haunting me! 

Please remove this account from my credit report! I cant take this any longer

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have outstanding medical debts that violate the hippa law. I have reached out to these companies on numerous occasions trying to get this debt resolved.Nothing is being done with this matter. I have sent out 609 letters violating rights and etc. I have tried to reach out to the main company as well as the bureaus.

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 2018-05-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Between XX/XX/XXXX and XX/XX/XXXX I opened an account with Bank Of America. I made a check deposit and it didnt clear. They reported that information as a Suspected Fraud Activity on XXXX   XXXX showing an open balance of {$490.00} and now I am not able to open an account which I really need to manage my business. I never tried to commit fraud to Bank Of America. This was not fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: PNC Bank N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
pnc bank denied my pnc points visa credit card application with no negatives on my XXXX  report with an good credit score XXXX base off usa population a XXXX credit score is considered good and no risk factor not only did i already had current years of loans paid off auto loans never late, current loans being paid ontime, and have credit card being paid ontime i am not new to credit and i disagree with the denial letter and ask for reconsideration for an approval. i applied for the pnc because co-workers told me about how pnc bank is a good bank to start a long relationship with and so i applied and denied me of really no good reason to say i am a risk when i am not i feel ive been mistreated in the fair process and in reviewing other pnc credit cardholders reviews that they got approved with limited credit experience and lower credit score of XXXX i am dissapointed of the denial when i already establish enought credit for an approval in my opinion maybe pnc under writters are being more tengy on approvals because of covid-19 pademic even with my profile of years on ontime payments, no lates ever, i already shown i can handle credit and deserve an approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28
Company: L.B.Gray LLC A Debt Collection Agency
State: OH
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Had a XXXX  month lease and toward the end the apartment had mice so we did not renew the lease for XX/XX/2016 we completed an attempted to vacate form gave it to management and moved. We were not notified of a balance or given an itemized list of the balance. Recently spoke with the current manager and was told to dispute because she could not find anything and she would call when she received the dispute yet she has not called and the amount remains on my credit. This negative should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I recently tried to dispute a list of 13 inquiries from my TransUnion credit report that I believe were fraudulent. TransUnion has yet to remove them from my credit report after now completing the investigation The list of inquiries 1. XXXX XXXX- XX/XX/XXXX 2. XXXX XXXX- XX/XX/XXXX 3. XXXX XXXX- XX/XX/XXXX 4. XXXX XXXX- XX/XX/XXXX 5. XXXX- XX/XX/XXXX 6. XXXX- XX/XX/XXXX 7. XXXX/XXXX- XX/XX/XXXX 8. XXXX/ XXXX- XX/XX/XXXX 9. XXXX XXXX- XX/XX/XXXX. XXXX XXXX   XX/XX/XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I recently found out I am a victim of fraud and I am trying to clean up the mess before my credit gets any worst

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 2018-05-22
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have outstanding medical debts that violate the hippa law. I have reached out to these companies on numerous occasions trying to get this debt resolved.Nothing is being done with this matter. I have sent out 609 letters  violating rights and etc. I have tried to reach out to the main company as well as the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: Frost-Arnett Company
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Company Frost-Arnett XXXX, TN ( Debt Collector ) trying to collect {$6000.00}, XX/XX/XXXX ( A medical bill from XXXX ) to creditor XXXX XXXX XXXX, MI Early in XXXX, I tried to dispute with both XXXX and my health insurance ( XXXX XXXX ) company about this large bill. Apparently, they didn't bill my insurance. I tried calling them both ( several times at least 3-4 times each ) trying to resolve this issue. I was tossed back and forth and they never gave me a straight answer. I suspect this was some kind of financial scheme to coerce me to pay {$6000.00} instead of having my insurance take care of it. I had paid my health care deductible in full in XXXX and shouldn't have a bill that high.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 am a victim of identity theft

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 2019-10-01
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX  XXXX XXXX took my house under false pretenses by saying that we needed to fall behind on our mortgage in order for them to help us under HARP. 
The house was foreclosed on after years of harassment. They got my house lost a lawsuit for fraud for taking the house. Reported the check they had to send for screwing my whole family as an income for tax purposes, just as a criminal enterprise would, and then has the balls to sell debt on the house to a 3rd party debt collector. ( CMRE ) I will NOT pay one cent on debt already settled once!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This letter is a request based on empirical evidence for you to remove inaccurate information from my credit report. 15 U.S.C. 1681e ( b ) provides : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. When examining statutory language, we generally give words their ordinary, contemporary, and common meaning. XXXX XXXX. 
The United States, 328 F.3d 132, 139 ( 4th Cir. XX/XX/XXXX) ( Citations omitted ). In accordance with its ordinary, contemporary, and common meaning, an investigation is a careful search ; a detailed examination ; systemic inquiry. XXXX XXXX XXXX XXXX XXXX, p. 966 ( 2d ed.XX/XX/XXXX ). 

The inaccurate information you are currently reporting has affected my chances of getting loans and credit. I have already given notice to the creditors below to Cease and Desist reporting inaccurate information about me to any CRA.

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 2020-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This letter is a request based on empirical evidence for you to remove inaccurate information from my credit report. 15 U.S.C. 1681e ( b ) provides : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable  procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. When examining statutory language, we generally give words their ordinary, contemporary, and common meaning. XXXX XXXX. 
The United States, 328 F.3d 132, 139 ( 4th Cir. XX/XX/XXXX ) ( Citations omitted ). In accordance with its ordinary, contemporary, and common meaning, an investigation is a careful search ; a detailed examination ; systemic inquiry. XXXX XXXX XXXX XXXX XXXX, p. 966 ( 2d ed. XX/XX/XXXX ). 

The inaccurate information you are currently reporting has affected my chances of getting loans and credit. I have already given notice to the creditors below to Cease and Desist reporting inaccurate information about me to any CRA.

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 2019-10-01
Company: LAKEVIEW LOAN SERVICING, LLC
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Until my bankruptcy in XXXX ( discharged in XX/XX/XXXX ), Lakeview ( XXXX ) reported my mortgage to all 3 major Credit Bureaus. I was told by their customer service, that they would stop reporting during the bankruptcy and start reporting again, when the bankruptcy is discharged. I exempted the mortgage from the bankruptcy, even if XXXX showed absolutely no interest in reaffirming the mortgage. 
However, the bankruptcy is now discharged for over 8 month and Lakeview ( XXXX ) is still not reporting to the Credit Bureaus. I called there several times and wrote numerous emails and letters, but did not receive any answers. Their customer service is almost impossible to reach, and if I get through to them, they have absolutely no knowledge about my mortgage and are completely unable to provide any advise or help with this issue. Needless to say, with them not reporting my ( always on time ) payments, my credit score suffers a lot.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: TD BANK US HOLDING COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Friday XX/XX/XXXX, I opened a checking account online with TD bank. Account number XXXX. The process was handled fully on the internet and I did not phone in or walk into a branch. 

An opening deposit of {$25.00} was pulled into the account and I enrolled in direct deposit with XXXX XXXX to have an additional {$500.00} transferred into the account. 

Today XX/XX/2019 I attempted to log in and received a message to call in at XXXX. I phoned in and was told my account had been restricted. I was told the account could not be closed and funds could not be moved unless I walked into a branch. I stated that I was not in proximity to any branches and that I had opened the account online. I was told there was nothing that could be done and that only my local branch, located in South Carolina could assist. I was given a phone number for that branch as XXXX. I called and was told by a manager that they would need me to physically visit the branch which is located several hours away from my home in XXXX, North Carolina. 

I am being told my money is held and restricted unless I physically visit a branch, after handling everything online with the opening and verification process. I need my money returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I recently received an email from Navient stating that my federal loan payment was due on XX/XX/2020. Administrative deferment from the CARES Act states that student loans can not be due or accrue interest until XX/XX/2020. I got no response when I raised this concern. 

I also submitted paperwork to have my loans discharged due to a medical diagnosis, which negatively impacts my ability to be gainfully employed. Despite submitting the paperwork months ago, I have yet to even receive an acknowledgement that the paperwork was received. I'm very concerned that after XX/XX/2020 I will be asked to pay back loans when I am making poverty wages despite submitting my paperwork with ample time to process.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/XXXX USAA illegally closed my Visa Credit Card, Checking and Savings Accounts, and Certificate of Deposit based on UNLAWFUL RETALIATION against me exercising my basic consumer rights to dispute wrongful charges. Then falsely claimed their actions are based on my " UNACCEPTABLE BEHAVIOR OR ACTIVITY ''. 

In this case USAA is deliberately violating THE FEDERAL EQUAL CREDIT OPPORTUNITY ACT by illegally discriminating based on race, and national origin, and because I have in good faith exercised my rights under the Consumer Protection Act. 

XXXX XXXX XXXX ; ( In Re : USAA Bank accounts held from XXXX - XXXX ) XXXX-XXXX-XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: U.S. BANCORP
State: WA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I was in a wreck on XX/XX/19. The car was a total loss and the insurance company declare it so within a week. US Bank is the lease holder. For nearly a month my insurance has ( XXXX ) has been attempting to pay off the car. They have submitted all the requested paperwork to US Bankand have even conferences me in on a call to them to confirm that they have received all the documentation. Each time US Bank tells them to refax the information, which they do immediately. They have also emailed me confirmation. Still US Bank has not provided them with a pay off information. I just got a bill in the email for the next payment for a car that was wrecked over a month ago. I have already purchased a new one since I had to have transportation and cant and should not have to pay on a car that is totaled and which the insurance company is willing and able to pay off! US Bank has provided no reason why they are not completing this transaction, and when I call and ask what I need to do, they just direct me to call the insurance company so they can fax documents again. It is a never ending circle and US Bank has not escalated this issue or offered to help in any way.

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 2017-11-20
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I 've had a 7 year relationship with Discover. I set auto-pay to ensure i am up to date on my payments to ensure I 'm continually in good standing. The three months my card was at or close to my limit and minimum payments paid, Discover reported me to the credit bureau as being over my credit limit. This has adversely affected my credit score. I do n't understand why this is when I authorized auto pay. This does not occur with any other credit card companies with whom I relations. Discover 's customer service can not give me a solution for this problem and they refuse to correct this problem with the credit reporting firms. They never contacted me to allow me to bring account bring my account current.

Company response to consumer: Closed with explanation