BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-25
Company: ERC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid account number XXXX off and they are still reporting this account on my credit report. I was told when I pay it that they would update the credit reports and this was never done.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
Contacted Company about reporting account that was XXXX in bankruptcy 12 years ago. Randomly in XX/XX/XXXX they started to report it on my credit reports even though it was never reaffirmed. They stated a supervisor would call back but never did. Filed disputes with 3 major reporting agencies and results have been " they say it's accurate '' even though I included copies of bankruptcy ( XXXX ) and discharge ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08
Company: Experian Information Solutions Inc.
State: MI
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:
On XX/XX/2017 I received a hard inquiry from XXXX XXXX, which I did not authorize. I DID not request to obtain directly or through third party any loan or line of credit or charge card from XXXX  XXXX in connection with this request ( as I already have one and do not desire anymore at this current time. )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had an auto loan with XXXX XXXX  with a XXXX XXXX XXXX. I lost my income for about 3 months and the vehicle was repossessed a day before I had all the money to pay XXXX but they did not want to negotiate or work together. I attempted to settle that balance XXXX of XXXX and they told me to contact a third party collector by the name of XXXX. XXXX explained to me that the balance would be considered paid in full and XXXX will report the balance as XXXX, paid in full and closed. After 60 days my report reflects a remaining balance still of now {$3800.00}. I have contacted XXXX and they claim it has been done but not according to my report. The confirmation number for payoff is XXXX with XXXX. The account number with XXXX is XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi, I figured out in my credit report these accounts and I would like to report that I am victim of Identity theft as I always know for sure what I have and what I do not have. SO I do not recognize these accounts, they are somebody else I guess, or simply its a fraud!!! I kindly ask you to check these items for me and after you finish delete them because I do not want them in my report plus I do not want to be responsible for something that is not mine at all. If you nee any documents from me please let me know and I hope it will not take a lot of time because Its very uncomfortable in all senses to have this wrong data in my report. 

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 explanation
Consumer complaint received 2018-10-19
Company: CITIBANK, N.A.
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Fraud or scam

Complaint:
To whom it may concern : In the beginning of the month of XX/XX/XXXX, I received in the mail a manila envelope marked priority mail 2 day with 5 personal money order checks Citibank logo. The amount was for {$850.00} each check. The checks were marked XX/XX/2018. I brought them down to my bank at XXXXXXXX XXXX, spoke to the bank manager who verified that the checks were real, said it would take 24 hours after depositing the checks into my checking account to clear, then I would be able to withdraw, having the balance in the account. I waited. After the 24 hours, I withdrew XXXX of the money to start paying off bills, doing groceries and gas. On XX/XX/2018, I received a letter from my bank, dated XX/XX/2018, stating that they were taking back the 5 check amounts of {$850.00} each. I called the customer service number, that is 24 hour help, spoke to a representative who said that what was showing was that Citibank was now saying that they were not going to cash the checks. 
On Monday, XX/XX/2018, I called the Citibank customer service number. The gentleman I spoke with could not verify why without speaking to the person who sent the checks. All I had to go on was the name on the envelope. ( I have included pictures as well of the 5 checks with the envelope. Also the letter from my bank with copies of the checks ).

Right now, my account is negative almost {$3900.00} because of this. ( Please refer to picture included ). I am on a very limited income and can not afford this. 
On XX/XX/2018, I have received another 5 checks in a manila envelope, in the same amount just with different person and address on the envelope. ( Please refer to included pictures ). 
On closer look to the checks from both times, everything is the same. 
Please help me what to do about the negative almost {$3900.00}.

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 2022-01-05
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I rent a apartment in XXXX XXXX XXXX XXXX : XXXX. When I was planning to move out, I went to the leasing office and discussed with XXXX XXXX for a date for a room cleaning check. When I moved out, I cleaned up my room and utility appliances with a professional standard, All rooms and appliances very clean and spotless. A young gentleman, leasing office staff came to check and were very satisfied. 

But after I moved out, I received a bill with a charge for carpet {$70.00} and cleaning {$160.00}. Because all room and utilities appliances very clean, they can not charge me for that. 

I sent a email regarding this charge to XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX, XXXX Customer Care Specialist, and XXXX XXXX, XXXX Customer Care Specialist, but all they didnt respond. 

XXXX sent this bill to collections company Genesis Credit Management LLC. I sent many email to Genesis, but Genesis never reply my email. Genesis constantly call my phone. 

I didn't owe anything to XXXX XXXX XXXX. In additional, when I moved in, the room didn't clean up and I find people to clean the room. XXXX XXXX XXXX didn't pay me the cleaning fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: CITIZENS FINANCIAL GROUP, 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: Billing dispute for services

Complaint:
Citizens One billed me for a phony loan to pay for an XXXX XXXX all access purchased at XXXX. I never purchased an XXXX XXXX and and never applied for a loan to pay for the nonexistent XXXX XXXX. This was the subject of CFPB Complaint XXXX. After extensive attempts to resolve this problem with letters and phone calls, Citizens One sent me a letter on XX/XX/2021 admitting that I had been the victim of identity theft. However, they did not provide the particulars that would enable me to file a police report. Citizens One did provide a link to XXXX  XXXX  to enable me to monitor my credit report with XXXX. XXXX XXXX sent me a letter advising me that Citizens One had defamed my credit by reporting a delinquent amount of XXXX under the payment status Collection/Chargeoff. This is clearly a per se violation of the Fair Credit Reporting Act and Olympic level incompetence. Citizens One ignored its own investigation in declaring that I am delinquent by not paying them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XX/XX/XXXX I went to purchase a new vehicle. They was to run my credit with the finance company that I had already finance my car with. A few days I am receiving multiple letters from different banks etc. On XX/XX/XXXX, I received a letter from XXXX XXXX. It states that XXXX , XXXX used my credit to make a decision. I did not authorize this company nor any other company to pull my credit. I do not know who this is. I have contact this company, with no results. I have XXXX to find out how I can get a better resolution. Hope this will be the best result. Thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02
Company: HYUNDAI CAPITAL AMERICA
State: UT
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:
XXXX XXXX is reporting 2 late payments XX/XX/18 & XX/XX/18 on my credit after the loan was paid off. My car was totaled and was a full pay off the end of XX/XX/2018.

I paid my deductible and then XXXX paid off the XXXX loan. XXXX left a {$500.00} balance on there which I was never notified. SO I got the 2 late payments and it is not my fault.

I have disputed this and XXXX said it is for the Deductible I needed to pay. WELL I had already paid that in XX/XX/XXXX!!! SO they made me pay them again! SO I paid 2 {$500.00} deductibles!

I have proof I paid the deductible as advised and proof the car was paid off back in XX/XX/XXXX. There should be NO late payments on my credit this year and I need them removed.

They are in violation of the FCRA and the Debt Collection Practices Act,.

I have already contacted my attorney,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-09
Company: JPMORGAN CHASE & CO.
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
The company I used to lease an apartment with, sent a security deposit refund check to my former roommate. The check was written to MYSELF AND HER. She cashed the check without my endorsement and refused to answer my calls and texts in order to give me my half of our security deposit refund from the landlord. The check was cashed around XX/XX/2020 at Chase Bank in the amount of {$700.00} by XXXX XXXX. 

I have more than a weeks time trying to get this resolved ; a lot of time has been spent communicating with XXXX ( the landlord ) and the police department trying to resolve this issue. There has not been any resolution yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Multiple Compromised acccounts

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 2021-06-09
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TN
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: Problem with personal statement of dispute

Complaint:
Are you the original creditor and do i owe you? 
Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay 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 explanation
Consumer complaint received 2020-10-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
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:
On XX/XX/20 we spoke to XXXX XXXX XXXX XXXX about leasing a vehicle. They were give EXPLICIT instruction to forward the request to the XXXX ONLY. XXXX XXXX XXXX XXXX forwarded our application to the following WITHOUT AUTHORIZATION : XXXX XXXX, XXXX, XXXX XXXX XXXX, and Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that I needed to act. I pulled my credit report and there are many fraudulent accounts that do that belong to me. Please remove these fraudulent accounts from my 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 2021-06-09
Company: CCS Financial Services, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the orginal creditor, only i can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: Experian Information Solutions Inc.
State: NY
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:
These accounts are Unauthorized and unverified accounts on 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 2020-07-01
Company: ACIMA CREDIT, LLC
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Went to get car fixed. The total in charges was roughly 4k. Because of covid I could finish the payments withing the three months allotted. They doubled the amount owed to over 8 thousand dollars. The funny thing here is the taxes where on the bill so it should have been part of the loan. Everytime I make a payment they charge me another tax on top of what was included in the bill. Didnt the U.S. get rid of these types of business that are extorting money at an outrages amount. Now I'm being told that they wont work with consumers due to covid and the supervisor XXXX just hung up on me. What can be done?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: PNC Bank N.A.
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I would like to report that PNC Bank failed to offer me a forbearance to save my home. I was told that a loan modification was my ONLY option, when in fact, I could apply for forbearance per our Governor, XXXX XXXX. I found that I was also protected through The CARES Act. 

I had to hire a professional to help me through the process. I attempted to handle the situation myself, however, my attempts were unsuccessful due to my lack of legal knowledge surrounding the situation. 

Please see the attachment to get more details on my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15
Company: Experian Information Solutions Inc.
State: OH
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:
The accounts listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXX WOMEN WITHIN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: EQUIFAX, INC.
State: CA
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: Problem getting your free annual credit report

Complaint:
i had ask for my credit report from all 3 credit reporting i got my report from XXXX, AND XXXX XXXX BUT NOT EQUFAX SO I CALL THEM TODAY XX/XX/21 I WAS ON THE PHONE FOR ALMOST ONE HOURE THEY KEEP PUTING ME ON HOLD I ASK TO SPEAK TO A MANAGER BUT THEY KEEP PUTING ME ON HOLD FOR LONG TIME SO AFTER 1 HOUR I JUST GIVE UP. 

JUST WANT MY CREDIT REPORT FROM EQUFAX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28
Company: AES/PHEAA
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Beginning on XX/XX/2018 I have requested a deferrment application. And XXXX ( PH:XXXX ) has been determined not to send me a deferrment application. Also, I'm entitled to receive a deferrment Application.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Back in XX/XX/2019 I was preapproved for a Victorias Secret credit card I applied and then I received a letter in the mail saying my application was denied because my information didnt match what they had on file so I left it alone but then they started sending me bank statements in the mail and I dont see why if they denied my application, also I purchased items but never received them I also did a dispute with them about that but still havent heard anything

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-01
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Last Friday ( XX/XX/XXXX ), someone used a virus to hack my phone and accessed my bank to attempt to deposit two bad checks while taking some actual money out. This led to Chase deciding to restrict my account. I tried to talk to them, but they insist on punishing me even though I was the victim of a computer hacker. The big problem is my SSI ( government benefit ) came in today ( XXXX ) and my rent is due, but they refuse to release any of my money until paying them {$25.00} for the bad checks the hacker left behind and waiting until Monday. This is unacceptable because my rent is due and these are government benefits and I did nothing wrong. Now I have to shell out extra money I don't have just to get my Social Security benefits! They really have no right to hold my federal entitlement, and this could get me kicked out of my housing because the landlord has been getting strict on everyone in the building and has personally had it out for me for years. I have no idea how I'm going to make it through the next few days now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30
Company: CREDIT ACCEPTANCE CORPORATION
State: IN
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Continued calling daily 4-5x 's even on Saturday & Sunday from 2 different numbers regarding a {$51.00} balance as early as XXXX, spoke with rep on a Sunday who stated agency has a right to call. I informed rep of the FDCPA the calls stopped for that day. The following week the calls came in every 3hrs.

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