BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-19
Company: M.A.R.S., Inc.
State: IN
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:
My husband and I moved out of our apartment at the XXXX XXXX XXXX XXXX in XXXX of XXXX. We were eight months into our lease, and we had lived there since XX/XX/XXXX. We paid our rent on time every month, we were perfect tenants. We had to move because my husbands job demanded that we move to XXXX. We paid our last moth rent up until XXXX of XXXX. We were told that we had to pay to break the lease even though we were almost done way more than halfway. XXXX XXXX  XXXX XXXX then sent the amount to break the least to MARS Inc to collect the debt. I have paid off 30 % owed to the XXXX XXXX   XXXX XXXX. XXXX XXXX at MARS Inc had threatened that I would be sued and that my property would be seized if I didn't pay the remaining amount. She then denied this, even though the phone system says the conversation is being recorded. I have reported the threats to the manager at XXXX XXXX XXXX XXXX, and she stated that she has listened to the same reports from different people. I'm asking that the debt be forgiven and taken off our credit reports due to the fact that we were almost done with our lease and we have lived there for nearly three years, paid our rent on time and followed all rules, paid 30 % of breaking the lease, and being harassed and threatened for 1.5 years. I no longer want phone contact with MARS Inc, only mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
Company: Innovis
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a will be filed soon police report. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18
Company: CARS Acquisition, LLC
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Im a XXXX who had a joint account with my sister.She had a car loan with XXXX XXXX but was having problems with the car and wasnt able to make payment due to the expensive of the car to repair it so she spoke with them and told them about the issue and the car was no good and the repair was to expensive.She talked to the lender and the agreed to come get the car.The car is now in possession of the lender and she no longer has the car but is still being charged for another months payment and its reporting on credit report when she already sent the car back a month ago.This is effecting my credit bad and I dont think I should be getting charged and she doesnt have the car no more.So this company is reporting a negative payment history about a payment thats inaccurate that Ive disputed but they wont take off 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 explanation
Consumer complaint received 2021-01-20
Company: Shellpoint Partners, LLC
State: NV
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I received a letter from NewRez saying that they were placing Lender bought insurance against my property for lack of insurance between XX/XX/XXXX - XX/XX/XXXX. However, on XX/XX/XXXX, I had faxed over copies of flood insurance and hazard insurance. ( Fax Confirmation attached ). I again sent them copies on XX/XX/XXXX, Fax confirmation attached. On XX/XX/XXXX I called NewRez customer service and was told that they had copies of my required insurance documents and they would send the information over to the insurance department to get the lender placed insurance cancelled. On XX/XX/XXXX, my escrow account was billed for the lender placed insurance in the amount of XXXX. On XX/XX/XXXX, I contacted Newrez again and they stated that they would send the information over to the insurance department to get my escrow account refunded. THey also stated that I would receive a letter of cancellation. On XX/XX/XXXX I received a letter from NewRez Compliance department that no disbursement was made, therefor I was not entitled to a refund. They also stated in the letter that all insurance documents had been received in XX/XX/XXXX and that the lender placed insurance had been cancelled. I contacted NewRez again through their customer portal stating that my escrow account had been billed. Again I received another letter from their compliance department on XX/XX/XXXX stating that no disbursement had been made.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18
Company: TD BANK US HOLDING COMPANY
State: SC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
On Sunday XX/XX/2018, I browsed the XXXX website with an interest in purchasing the Frame TV. XXXX advertised a partnership with TD Bank allowing for interest free financing of the TV. I applied for the financing with TD Bank and was immediately approved. My credit score was adversely affected because of the credit inquiry and subsequent extension of credit to purchase the TV as advertised by XXXX. Upon placing the order with XXXX, my account was flagged. XXXX said that they often have this " glitch '' when receiving orders being paid with TD Bank 's financing even though I was fully approved. They advised me to verify the shipping and billing address with TD bank, all of which I did. XXXX said that they would remove the flag and that I would be able to place the order using the TD Bank financing. Today, I received an email stating that they would not remove the flag and to place my order using another method of payment. As I explained to XXXX, that response was unacceptable since they fraudulently induced me to apply for credit with TD Bank, thus affecting my credit score, when three XXXX representatives told me that they are aware of a " glitch '' in their system that will not allow the order to proceed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX bankruptcy XXXX all ftc violations needs to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX  and Equifax are still reporting an old bankruptcy which by law shouldn't be on their due to the five items necessary to be on the 2012 bk are not being met. Under the law it does not have the required info to remain on my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
Company: Experian Information Solutions Inc.
State: OH
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 was going over my credit report I noticed an account from XXXX XXXX XXXX, The XXXX XXXX XXXX I have never had an account or contract for service with You must provide historical data regarding all consumer materials reported to any credit reporting agencies for my name XXXX XXXX. Since serious problems may be present in those files, I am compelled to demand that your company send all validation materials promptly. Moreover please attest that any third-party collection agency, if engaged, is bonded to collect in my state of residence due to unfortunate financial events related to my having been a victim of fraud. This is not a request for a non detailed overview. Instead, I am calling for a full verification. If this documentation can not be provided within 30 days, any detail sent by your company to the credit bureaus should be regarded as unreliable and may evidence a disregard for the Fair Debt Collection Practices Act or other applicable statutes. In that case, annul such consumer information without delay. Thanks sincerely for XXXX XXXX XXXX, The XXXX XXXX XXXX diligent examination 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 explanation
Consumer complaint received 2020-05-14
Company: EQUIFAX, INC.
State: OH
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 a victim of identity theft. I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So, I am requesting you verify the items I am disputing at a higher standard than a third-party  database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or handwritten verification directly from a person at that. Please delete/remove the following unverified accounts : XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX My name is : XXXX XXXX XXXX - XXXX : XXXX SS # : XXXX My current and only address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX All other addresses are not accurate. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX CT XXXX, OH XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX My current telephone number is : XXXX All other telephone numbers are not accurate. Please REMOVE/DELETE these telephone numbers IMMEDIATELY : ( XXXX ) XXXX My current employer is : XXXX :

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I would like to file a complaint against PNC Bank for not being able to locate my old bank account that had Wire Fraud Activity take place during for time period XX/XX/15 - XX/XX/15. I put a Wire Fraud Activity request in once I discovered the money was missing, and PNC Bank was unable to recover my money in the amount of {$17000.00} that disappeared from my bank account. The banks explanation for no recovery is they are unable to locate my old bank account. After my third request since XXXX, I received a final response from PNC Bank Branch Representative, XXXX XXXX that they had no success locating my account. As of today, XXXX XXXX and I agreed, I should contact the XXXX XXXX XXXX to inquire about how to recover my money. I contacted the XXXX XXXX XXXX, and was referred to Consumer Protection Bureau to assist me with my needs.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
Company: Insikt, 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 received a letter in the mail indicating I was delinquent on a loan payment to XXXX XXXX on XX/XX/XXXX. I contact XXXX at the number provided on the letter - XXXX and requested information on the account. The account was for a personal, unsecured loan in the amount of {$800.00}. 

Contacted XXXX XX/XX/XXXX : Indicated the fraud and requested a representative within their fraud department contact me. 
Contacted XXXX XX/XX/XXXX : Indicated the fraud again and asked if a supervisor was available to assist. Was transferred to XXXX and repeated the story. He said they couldnt transfer me to a fraud department, but that he would escalate this and someone would reach out within the next 24 hours. 
Contact XXXX  XX/XX/XXXX : Spoke with XXXX XXXX, a supervisor, he again noted on the account and said he would personally escalate this. He was provided my email and cell number once again. 
Contacted XXXX to dispute the account.and was told that XXXX would respond within 30-days. 
Received notice from XXXX that XXXX had validated the account and the dispute was canceled? 
Contact XXXX XX/XX/XXXX : Spoke with XXXX ( Supervisor ) Provided information on the loan. Escalating again to resolutions team. I was told i'd hear back within 24-48 hours. No call back. 
Contacted XX/XX/XXXX - XXXX ( XXXX XXXX XXXX ) to discuss the limited help Ive received from XXXX. She was going to help escalate this. However, she was in XXXX and needed to get back to me. I received a text from her Saturday XX/XX/XXXX. She gave me the number for the Service Desk @ XXXX and asked myself or the detective to contact. XXXX. 
Contacted XX/XX/XXXX Went to the XXXX XXXX XXXX branch ( Orgin of the loan ) and spoke with XXXX ( Manager ). I was able to see a picture of the suspect that took the loan on her computer, but unable to take a picture for my records or receive copies of the loan documents. 
Contacted XX/XX/XXXX Called the help desk and was on-hold for exactly 30 minutes, nobody ever picked up. Left message on voicemail with all account info and indication of Fraud. Updated XXXX. XXXX by email of the latest info I had on the case. 
Contacted XX/XX/XXXX - Called the help desk and was on-hold again for exactly 30 minutes, nobody ever picked up. Left message with voicemail. 
Email XX/XX/XXXX Sent email to XXXX with details of fraud and account. Requested someone contact me immediately.

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 2023-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
identity theft on my credit report 15 U.S. Code 1681 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have filed numerous disputes with the credit reporting company and accounts that were opened in my name, are still listed each time I call and speak to a representative I am informed that the process will take an additional 30 days and there is never a resolution in having the items removed. I also spoke with the representative regarding incorrect personal information, including social security number and addresses and inquiries that were not authorized by myself and was informed these would be deleted yet my most recent report still shows the information listed. I have attached copies of my FTC identity theft report along with responses from XXXX XXXX, XXXX, and XXXX XXXX XXXX indicating that they have agreed to delete all the accounts. 
This is a direct violation of my consumer rights under : section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that 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 2018-06-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
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:
My Issue is with Bank of America Mortgage ( BOA ), I closed on this loan on XX/XX/2018 and I have contacted BOA on several occasions requesting that they notify the credit report agencies to notify to them that my account has been Paid and report account is in a Closed status. I only received mail correspondence from BOA stating account is paid in full effective XX/XX/2018 and that BOA do NOT notify credit report agencies of account status only negative reporting is sent to credit report agencies.

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 2021-04-06
Company: Square Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I dropped my vehicle off on XX/XX/XXXX for repair. This merchant uses Cash App XXXX 's XXXX is name. 
I paid {$1000.00} in cash on XX/XX/XXXX for repair for the parts.. For the entire repair he stated {$2400.00}. I have the confirmation text and picture of ID. Mechanic was suppose to replace lifters, cam gasket, oil. He ordered the wrong parts, he messed up my timing chain and oil pump. I received my vehicle back XX/XX/XXXX not working. I paid the additional {$1100.00} through Cash App. My vehicle is still not fixed and because of this service the XXXX dealer says I need a new engine. The mechanic replaced the coolant and put in the type. Vehicle is worse than when I took it to him. My husband has called him and texted him with no response. We have text messages of our discussions. I have tried to communicate a partial refund. I have spent close to {$4000.00} and I am only disputing partial of my money. I took my XXXX XXXX XXXX to XXXX after this and they stated since his repairs they recommend a new motor. I have showed that to the mechanic. He stated verbal if it was his fault he would eat the cost. It is not fair to pay for a service and then the services are not provided. This left my family without our family vehicle for months.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
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:
I received a letter from a 3rd party debt collector who was attempting to collect a debt of XXXX. on or around XX/XX/XXXX. I wrote a response and mailed it XX/XX/XXXX certified mail asking for more information about the debt before further collection attempt be made. the letter from the debt collector showed the last date a payment was made on this account was on XX/XX/XXXX. In Washington state the Statute of limitations to collect is 6 years per ( RCW XXXX ) I stated in my letter if in fact this debt was mine it would be to old to collect by law. The Debt collector didn't provide any information that I requested via my response letter sent certified mail, and in turn sold the junk debt to another collection agency. this should be a direct violation of the law per FDCPA. Thank you for reading my complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-19
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/XXXX Equifax requested documentation from me. During a phone call on that date I needed to speak with an advisor about the items seen on the report printed from AnnualCreditReport.com.  Mid-conversation the advisor told me they couldn't locate me in their system. The advisor then provided me the fax number XXXX. She told me to send a copy of my report along with valid ID and social security card. 

XX/XX/XXXX I called again and another advisor confirmed that my fax was received, but no profile for me existed in the system. She said to wait for a letter in the mail. 

XX/XX/2019, I received a letter in the mail. Equifax requested a form XXXX. In the letter they mentioned that my social security number is associated with a person who is deceased and that this was caused by the Social Security Administration ( SSA ).  Immediately after receiving and reading this letter I called the Social Security Administration. That XXXX document will arrive to me by mail within 7-10 business days from today ( XX/XX/XXXX ). 

The SSA representative debunked the letter statement made by Equifax regarding my social security number being associated with an individual who is deceased. The SSA shows my profile, date of birth, alive and the fact that I have never been on any kind of benefits. Fortunately, they can still see a record regardless. I exist in their system. 

Today I tried to register online at Equifax.com and I wasn't unable to pay for service due to an error. I called the phone number provided n the error message. This phone number led me to the Dispute team at Equifax. 

The dispute advisor wasn't able to find me in the system, again, but she mentioned seeing a note about documents being requested. Secretive she was, I asked her how she saw a note without pulling up an account and she placed me on hold with no return. 

Currently I have an agency assisting with credit repair. My XXXX   and XXXX reports are all accurate and available. I can also call those two credit agencies and they can pull my records with no issue. 

For Equifax, this is a major concern. I have copies of all three reports printed in XX/XX/2019 and again in XX/XX/2019 from AnnualCreditReport.com. Unfortunately, when I call Equifax I do not exist. They can not assist when I have concerns about items on my report. Additionally, when I called yesterday, XX/XX/XXXX, the advisors were unsure of how I received letters in the mail without a record. They weren't able to tell me what department they came from. Oddly enough, the letters are legitimate and someone from Equifax sent them. 

So far I've spoken with 5 advisors ( or representatives ) and two managers in the dispute and account support team total.

Company response to consumer: Closed with explanation