BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-09
Company: AFNI INC.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have disputed with credit bureaus XX/XX/XXXX who stated the it was verified with XXXX XXXX XXXX. I contact this company and found out the the debt was XXXX I called XXXX who I have service with as of now. XXXX doesn't show any balance amounts owning. If they did I wouldn't have current service with them now. I Explained that I have bank documents stating that XXXX was paid XX/XX/XXXX {$290.00} which left a balance of {$150.00}. Deductions paid to XXXX was XX/XX/XXXX {$150.00} and XX/XX/XXXX {$67.00}. I submitted my information to the XXXX XXXX XXXX collect they removed the injury. Now AFNI brought the account I sent a letter from them to validated the account I received a letter from them stating we investigated your dispute and updated our records as necessary. This letter serves as verification of the account. XXXX states that its nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal has closed my account. Without any reason, neither did we get any kind of mail from the company nor did the company ask for any kind of document from us. The company has permanently banned our account without any mistake. We have no fault in this. Please solve our issue and reopen our account. my this mail id used in paypal -- XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent in a formal request for an investigation on XX/XX/2022, in which they received the letters on the following dates : XXXX XX/XX/2022 XXXX XXXX XXXX, XXXX  Equifax XX/XX/2022 I never received written and actual proof of verification with a hard wet signature NOR did I receive a response at all. I sent in a 30 Day notification letter on XX/XX/XXXX, in which they received on the following dates : XXXX XX/XX/2022 XXXX XX/XX/2022 Equifax XX/XX/2022 According the FCRA, these items should be deleted. I am expecting the attached accounts be deleted for non-verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I filed a complaint yesterday and it is available by reference to complaint number XXXX. As of yesterday the problem included not only the hold on {$14000.00} of deposited funds but overdraft charges made to lower my family 's account by over {$9000.00} when we had not overdrawn our accounts and the absurd act involving the back charging one account without crediting the other. In addition, the bank had added an additional charge for {$10000.00} to record more funds being held when we had not made another {$10000.00} deposit. This put my account in the negative to the tune of {$23000.00} and my wife 's account in the negative for a sum over {$7000.00}. 

This morning thebans 's overdraft transactions have been reversed so my wife 's account is in a proper balance but still the bank is holding two deposits - one made in the amount of {$10000.00} 0n XX/XX/20 and another for {$4000.00} made on XX/XX/20. On my original ATM deposit receipt for the {$10000.00} deposit, the schedule for releasing my funds was stated as adding to my account {$200.00} on XX/XX/XXXX ; {$400.00} on XX/XX/XXXX ; XXXX on XX/XX/XXXX ; and finally {$5000.00} on XX/XX/XXXX. On that schedule the bank will have held half my deposit for a total of 14 days. On my account checking on line, the bank now says that it will be holding {$9000.00} until XX/XX/XXXX. 

Does the bank have the authority to change their commitment mid-stream and keep holding my money? I am certain that the original check has cleared the issuing bank ( XXXX ) so there is no legitimate reason to keep holding my funds. No one above the branch manager for SunTrust will talk to me about my issues. I have emailed the Executive Vice President of SunTrust, XXXX XXXX, twice but he has not responded. I need your agency to hold the bank responsible t release my funds.

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 2021-10-14
Company: EQUIFAX, 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:
Equifax, XXXX and XXXX continue to report inquiries that were involved identity theft and I have provided id theft reports that these are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My name is XXXX XXXX I am a Consumer Natural Person and the Original Creditor pursuant to 15 USC 1602 under the Truth In Lending Act.. On XX/XX/2020 Mazda Financial Services committed fraud against me by issuing me an alleged debt contract instead of a consumer credit transaction.. As the Original Creditor I do not validate any alleged debt from Mazda Financial Services. I ask that Mazda Financial Services validate the alleged debt with the Original Creditor by providing the name and address of the Original Creditor.. Mazda Financial Services is also in violation of the Fair Debt Collection Practices Act pursuant to 15 USC 1692 . Mazda Financial Services is to cease and desist all forms of communication with the Original Creditor XXXX XXXX. Mazda Financial Services is to remove any alleged debt from the Original Creditors Consumer credit report within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
Company: EQUIFAX, 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:
I am writing to dispute a fraudulent charge on my account of {$20000.00}, {$200.00}, {$20000.00}, {$1500.00}. 
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 Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) 1. XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a credit limit of {$20000.00} -This is not my account. 


2. XXXX/XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$200.00} -This is not my account. 

3. XXXX-XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$20000.00} -This is not my account. 


4. XXXX/XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1500.00} -This is not my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-10
Company: EQUIFAX, INC.
State: FL
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 send a dispute to Equifax over a month ago regarding closed accounts on my credit report I asked that they remove them because these accounts have been removed due to bankruptcy. Instead of removing the accounts they took it upon themselves to enter other information without my knowledge or authorization. I didn't ask them to update information, I asked them to remove it because they where not removing the accounts per the bankruptcy. 
Then they made the statement that these accounts will be removed in 10 years? According to the FCRA creditors can only stay on a credit report 7 years per date of closing or per date of last payment. Some of these accounts been closed for 3 years and they changed the date of closing to XX/XX/2019. 

Here is the link for the credit report that was sent to me from Equifax regarding my credit report. 

XXXX XXXX XXXXXXXX   XXXX & XXXX XXXX   XXXX XXXX XXXX XXXX XXXX   XXXX XXXX   & XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 attempted several times, todayXX/XX/XXXXwas the latest in my attempts to have XXXX credit card update status on all 3 credit bureaus with correct account information. My account is reporting as closed with a balance owed of {$180.00} as of last date reported XX/XX/XXXX, and current since XX/XX/XXXX. This information is false my account is open and current balance of {$160.00}, upon reporting this to XXXX XXXX they charged me with writing them a later stating that my account is showing as closed on the 3 credit reports, but they are the ones reporting this incorrect information.

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 2021-08-21
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 am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 


Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up.

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion, you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) I have complete and thorough records of your violations and I am prepared to protect myself and my rights from unscrupulous collection agencies. 
Please forward me an updated credit report after you have completed your Investigation and corrections.

Your cooperation and prompt attention are greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-22
Company: Experian Information Solutions Inc.
State: MS
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've created a fraud report with Identitytheft.gov, reported multiple CFPB complaints ( XXXX ) about the XXXX card on my account that I have never seen or have had access to. This was a result of identity theft. I have filed a police report with my county 's department. Nothing has been done. The account is still showing on my credit report. This is not my card. The last time I filed a report the company said that I am responsible even though I didn't open this card nor have seen it before in my life? This is not acceptable. I am a victim to identity theft, and I have never had the card in my possession. This card is not my responsibility and it removed. I feel that no one is taking this serious. 

Attached is the police report, identity theft report and the account information connected to this card.

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 2020-02-20
Company: A & O Recovery Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
On XX/XX/XXXX, I got 3 calls from 2 different numbers from a debt collector called A & O Recovery for a place called XXXX. I advised it was XXXX XXXX and hung up. The lady called twice and threatened a wage assignment and i asked her to call back at the legal time. I have never received any mailing or documents stating i owe a loan or even who the company is but Im being threatened for a wage assignment. I dispute this debt as i never had a payday loan.

Company response to consumer: Untimely response
Consumer complaint received 2022-03-22
Company: Nelnet, Inc.
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: Information belongs to someone else

Complaint:
Someone got a student loan in my name. This is not me and I want it off my credit now.. its over XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: PA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
On XX/XX/2017 we received a end of lease statement stating remaining balance of XXXX. The statement says we owe XXXX for unsatisfied contract obligation plus tax of XXXX. Excessive wear and use XXXX plus tax of XXXX. Disposition fee of XXXX plus tax of XXXX. I called Nissan Motor Acceptance and asked them to explain the statement. XXXX explained and was very nice.I agreed to pay the unsatisfied contract obligation total of XXXX and the disposition fee total of XXXXThat totaled XXXX. I told her I would not be paying for the Excess wear and use total of XXXX cause there was no broken bumper when we dropped it off. When we dropped it off I asked for Inspection and was told that would n't be a problem everything looked great. We also took upon ourselves to check it over and was like brand new. We even got the car cleaned inside and out just cause we thought that would be the right thing to do.When I told XXXX I was n't going to pay it she said she would lower the price to XXXX. I that I would pay the for everything else except the wear cause we both knew they were trying to scam us. I received a follow up statement on the XX/XX/XXXX and they lowered the excessive wear to XXXX. I called again and spoke to XXXX and told her that I would n't be paying that part of bill. She said If we do n't pay it they will put in collections. On XX/XX/XXXX I received another statement for XXXX the balance of unpaid. I payed for everything else at this point. I then called and asked for a Vehicle condition report and proof of broken bumper that was never broken nor never was by us.I received one on XX/XX/2017. I stated that the car had scratched paint, cracked windshield, dents, chips etc etc.No bumper was listed at all. It then stated we turned in a XXXX XXXX XXXX XXXX, but we leased a XXXX XXXX XXXX car? We called again and they claimed the inspected the car on XX/XX/XXXX which would be 2 weeks after we returned the car onXX/XX/XXXX? It also had the amount of XXXX we owed for the bumper that was n't broken. Like I said I payed everything that was owed to them but now the put me in collections for XXXX and wasted my valuable time let alone endless headaches. I have exceptional credit and do n't need it to be bruised by any false information because of a company that messed up in so many ways. Please let me know what further action should i take with this

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06
Company: STONEGATE MORTGAGE CORPORATION
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX XXXX, XXXX # XXXX gave me a pre-approval letter. I never communicated with XXXX XXXX. My real estate agent did all the communications with XXXX XXXX. I found out later that my real estate agent is a con. I just realized that XXXX XXXX  and my real estate agent connived in producing a fake pre-approval letter to make me believe that I have no problem buying a house.
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I do not know anything about buying a house. I trusted my real estate agent. I believe XXXX XXXX was paid by my real estate agent to have the pre-approval letter. I do n't even know that I should be given TILA-RESPA Integrated Disclosures ( TRID ). XXXX XXXX should be fined and his license should be cancelled. My real estate agent is now washing her hands and she is claiming that she does not know anything about loans and XXXX XXXX did that on his own. Please investigate XXXX XXXX and find out how did he write a glowing pre-approval letter without a loan application.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
On XX/XX/2020 I signed up for TransUnion credit monitoring services. When signing up, they requested a credit card, which I presume was to be used to verify my identity or look up my credit score. Instead, I was charged {$26.00} without my knowledge for services I presumed would be free ( such as free credit scores or credit related services ). No where during the signup process was it ever disclosed I would be charged {$24.00} plus tax.

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 2019-10-13
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
upon checking my credit for accuracy and found accounts in my credit profile that I did not authorize, I think they are fraudulent, a list of these account are contained in this 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 2021-12-02
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Experian is reporting the address XXXX XXXX XXXX to my credit report and i do not live there. It belongs to my father with the same name

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 2019-06-19
Company: WELLS FARGO & COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a secured credit card with wells fargo that was closed by them. Being that it was a secured credit card, the debt was secured by funds I provided. Wells fargo satisfied the remaining balance by utilizing the funds held for security -- so the balance was paid off. Then they charged an exuberant amount of fees which created a large balance that they later sent into collections, and which has adversely affected my credit.

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 2019-02-01
Company: NAVY FEDERAL CREDIT UNION
State: FL
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:
XXXX has been non-compliant with removing the unverified account NAVY FCU Opened Date XX/XX/2016 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that NAVY FCU was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: Experian Information Solutions Inc.
State: CA
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:
on XX/XX/2022 I received a letteer from XXXX XXXX XXXX in regards to a debt that i supoosely owed. I paid them with the regards of having the item removed from crecit file. as of this date, the item still shows up on Experian and XXXX. I've made several attempts to rectify the issue. I'm in the process of purchasing a home for my family which I told this debt collection agency XXXX. They still have yet to removed this item. So I'm asking for help in this matter Thank you

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