BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-04
Company: Experian Information Solutions 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:
I am a victim of fraud and there are a number of errors that are reporting to my credit report including the reporting of a bankruptcy. I have disputed the inaccurate information in the past and have disputed directly with the court that advises they have no record of a bankruptcy being filled nor have they shared information of any person information to public record providers. I have been a victim for many years and have a number of inaccurate information reporting per FCRA only accurate information is reported.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: National Enterprise Systems, Inc.
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
There wasn't a great options for this situation. The Bureaus had used National Enterprise Systems to attempt to collect this debt. It shows the account date was XX/XX/XXXX however the last payment was XX/XX/XXXX. 
My attorney XXXX XXXX XXXX responded to the initial letter from National enterprise systems and the debt was not able to be verified. It is still currently on my credit report and being reported every month as an open account that is owed by the Bureaus. 
The letter was dated XX/XX/XXXX. The attorney responded XX/XX/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 2023-04-11
Company: Byrider Franchising, LLC
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
1.I have never had an account with this company XXXX Now XXXX XXXX XXXX REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are Car Now Acceptance Company the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
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:
I am a victim of fraud and there are a number of errors that are reporting to my credit report including the reporting of a bankruptcy. I have disputed the inaccurate information in the past and have disputed directly with the court that advises they have no record of a bankruptcy being filled nor have they shared information of any person information to public record providers. I have been a victim for many years and have a number of inaccurate information reporting per FCRA only accurate information is reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
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: Information belongs to someone else

Complaint:
I recently received a copy of my credit report where I disputed a collection account with XXXX XXXX XXXX/ XXXX XXXX the credit bureau stated they had verified the information as accurate however I received a copy of the itemized billing and signed contract today and their are several i issues which require the item to be removed from my credit file 1. The name of the collection company on credit file is XXXX XXXX XXXX however the name on the letter of validation has XXXX XXXX XXXX 2. I also received the same paperwork from another collection company name of XXXX XXXX 3. One set of paperwork have the name and signature for service as XXXX XXXX the other has the name as XXXX XXXX but signature page as XXXX XXXX it is clear this paperwork has been tampered with and or altered 4. Why is two different companies attempting to collect on the same bill it clearly the same account number on all paperwork 5. The signature page doesnt give the collection company any rights to contact or collect from me I do not have a signed contract with them 6.since the original hospital contract states Arbritraction Mediation and Arbiter Mediator ... ..They are in breech of the contract by assigning it to a collection company 6. Also the billing information provided is in violation of the HIPPA policy as the lab work testing and information should remain private

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 2020-07-08
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Deposited a check from my Credit Union for PPP Loan proceeds via " mobile deposit '' to my Fifth Third bank account on business day of XX/XX/20. The funds are not available on the account today XX/XX/20. Contacted Fifth Third customer service line. First contact I was told that the contact they had made to the maker of the check indicated there was a possible issue with the funds being available. The maker ( CU CEO ) then was contacted by me and told me there was not an availability issue and made herself available to intercede with Fifth Third on my behalf to resolve any question regarding funds availability for the check. Second contact with Fifth Third customer service line I was told a second story - that the hold was essentially established due to the large value of the check, {$5100.00}, and that it was a mobile deposit. I was told that I should take the original check used for the mobile deposit to my branch that the branch manager would ( at their own discretion ) be able to complete the deposit / release the hold. This also turned out to not be the case as I found when I went to the branch with the check the branch manager simply stated that she did not have the authority to release the hold. The branch manager stated she was contacting " corporate '' via her workstation - their response was then, per the branch manager, to deny the release of the funds.

I am a small businesses owner, I applied for the PPP loan to attempt to keep things together and my bank is giving me misinformation and bad information regarding this important deposit while holding the funds that were written on a valid financial institution 's paper.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
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: Information belongs to someone else

Complaint:
I recently received a copy of my credit report where I disputed a collection account with XXXX XXXX XXXX XXXX XXXX  the credit bureau stated they had verified the information as accurate however I received a copy of the itemized billing and signed contract today and their are several i issues which require the item to be removed from my credit file 1. The name of the collection company on credit file is XXXX XXXX XXXX however the name on the letter of validation has XXXX XXXX XXXX 2. I also received the same paperwork from another collection company name of XXXX XXXX 3. One set of paperwork have the name and signature for service as XXXX XXXX the other has the name as XXXX XXXX but signature page as XXXX XXXX it is clear this paperwork has been tampered with and or altered 4. Why is two different companies attempting to collect on the same bill it clearly the same account number on all paperwork 5. The signature page doesnt give the collection company any rights to contact or collect from me I do not have a signed contract with them 6.since the original hospital contract states XXXX XXXX and XXXX XXXX ... ..They are in breech of the contract by assigning it to a collection company 6. Also the billing information provided is in violation of the HIPPA policy as the lab work testing and information should remain private

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 2020-11-25
Company: Experian Information Solutions Inc.
State: PA
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:
Ive tried again contact with XXXX  XXXX XXXX and Experian Ive submitted documentation along with the police reports and complaints still no response at the 30 days I need this immediately resolved I have a family Im trying to take care of them trying to get my credit out of the hole this is hurting my future Please remove the inaccurate information That can not be verified that I apply for Here is the list as follows as result in identity theft DeptedXXXX  Installment Closed Date reported XX/XX/XXXX Date opened XX/XX/XXXX Account type Installment Not mine never applied for student loan Us Dept Ed Installment Closed Date reported XX/XX/XXXX Date opened XX/XX/XXXX These are inquiries that are fraudulent I never used I never applied I would like these investigated and removed I waited 30 days already still no response Inquiries Name Type XXXXXXXX XXXX XXXX XXXX  Individual XX/XX/XXXX XXXX-XXXX  Individual XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Individual XX/XX/XXXX XXXX Individual XX/XX/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 2018-05-16
Company: Total Card, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In XX/XX/ I logged into my XXXX XXXX  account to make my monthly payment. I was shocked to see that my balance was over {$1200.00} since my credit line is only {$300.00}. I looked through the trasnactions and discovered that most of them were not mine. 
I immediately called XXXX XXXX and told them what I had found. I meticulously went through each transaction with them on the phone and told them the ones that were not mine. 
In addition to these trasactions I also discovered that my address had been changed to XXXX XXXX. 
XXXX XXXX obviously had blended my account with someone else 's account. 
I was never noticified of the addresss change nor of any increase in my credit line- which is the normal custom of XXXX XXXX. 
This is how I know that this is all an error on their part and NOT identity theft, Now today XX/XX/XXXX, I received a letter from XXXX XXXX demanding that I file a police report and submit a list of unauthorized transactions. They say that I have only 25v days from the post mark of XX/XX/XXXX to comply or they will dismiss my complaint. 
Forts of all, I ALREADY gave them a list of the invalid transaction. Secondly, my local police department will NOT write up a report for a credit card company that made a clerical error. 
Thirdly and most importantly, I am XXXX and can not do all that they are demanding withing the short time I have left. 
I have already reported this to them but they are ignoring that. 
XXXX XXXX is making NO apttempt to correct their error and now they are demanding thaat I pay for these unauthorized charges. They have already posted them to my account with an increased monthly payment. 
I need CFPB 's help. I WILL NOT pay these unauthorized charges nor can I comply with what they demand from me. XXXX XXXX made NO attempt to tell me I was {$900.00} over my credit limit nor did they stop authorizing those charges. In addition I have been charged interest on purchases I never made and also charged returned check fees for checks that I never had returned. XXXX XXXX has created this mess and THEY should be the ones to untangle it. NONE of this is my fault and they are forcing ME to clean up THEIR mess.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28
Company: BANK OF THE WEST
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I went to bank of the west location on XXXX XXXX, AZ. For {$1200.00} - on XX/XX/28. XXXX. 
Atm took my money. Processing message on monitor for like XXXX min. Then gave me a receipt saying transaction unsuccessful- Yet kept my money. 
I emailed, called bank, waited for XXXX hours. Lady named XXXX answered. She said I had to speak with claims department then disconnected call. I need this money to pay my rent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Kindly update or correct the following items right away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$740.00} XXXX XXXX XXXXXXXX {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-03-25
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Reviewing my account at late payment is incorrectly reported for XX/XX/2018 as well requesting correction

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Company: ENOVA INTERNATIONAL, INC.
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
Cashnetusa deposited {$300.00} into my personal checking account on Wednesday, XX/XX/2019. They used my personal information from a loan they had transacted with me 10 years ago. I contacted them upon discovering the deposit today, XX/XX/XXXX. I was told they could not reverse the deposit because more than 24 hours had transpired. I argued with several agents for nearly 45 minutes before they finally agreed to reverse the deposit. My complaint stems from the simple fact that I DID NOT authorize anybody at cashnetusa, whether on line, on the phone, or in person, to grant me a loan of any kind whatsoever. I sincerely believe that the only way this loan was transacted was by a cashnetusa agent with nefarious and/or fraudulent intentions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
BMO Harris has been giving me the run around for months now. Every time I've contacted them I have been given the run around. They told me they could not close the account without first MAILING me a form and that if i had any questions I would have to FAX them. Which sounds absurd in 2023. 

I've contacted their support about 3 times now and have been given multiple different reassurances that they will help me close my account and retrieve my funds but nothing has come of it. 

Every time I try to access my online account it seems to only work when I am on call with customer service. As soon as I hangup with them the account becomes locked.

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 2018-05-16
Company: FIRST CITIZENS BANCSHARES, INC.
State: NC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
POD AND BENEFICIARIES ... .requirements.

My complaint involves ALL PERSONAL ACCOUNTS ... ( savings, checking and cd or financial investment accounts ) ... .I have contacted the NC BANKING COMMISSION 3 times ... .and HAVE NOT received an ANSWER.

It seems that there are DIFFERENT requirements to allow POD and/or Beneficiaries on any kind of checking or saving or financial investment accounts ... ..and it seems that NO ONE in NC has a CLUE about requirements or rules about this. I, personally, did my own LOCAL RESEARCH/SURVEY after having *issues* with the problem. It seems as IF some banks requirement the name and address of the person ( s ) who are added to the account as POD or Beneficiaries ... .while other banks REQUIRE SOCIAL SECURITY NUMBERS, DRIVER 'S LICENSE and EVEN want the people appointed to COME INTO THE BANK to be added to an already established account. SO ... .with my results ... even though I was TOLD by a couple of banks that *IT IS THE LAW* to gather this information ... .I CAN NOT understand WHY no one will verify what is EXACTLY REQUIRED to do this. I am reporting this since I feel it is IMPORTANT ISSUE which NEEDS to be ADDRESSED and ALL BANKS NEED to follow the REQUIREMENT of doing so.

PERSONALLY, I think asking anyone for the information is a PRIVACY ISSUE ... ..as I do NOT or WILL NOT ask another person, ( EVEN RELATIVES ) for their Social Security Numbers and/or their Driver 's license to add them to an account ) ... .THIS is also a PRIVATE MATTER as well ... suppose I decide to *change my mind and no longer want them to be on my account or decide that I made a *MISTAKE* of adding them. AGAIN ... this is a PERSONAL AND PRIVATE MATTER and someone needs to ADDRESS the issues we have here and MAKE SURE that ALL BANKS FOLLOW what exactly is REQUIRED and is NEEDED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a letter regarding inaccurate and unknown things on my credit report. I feel like I'm being taken advantage of and being ignored of my disputes. Section 15 USC 1681 A3, The FCRA permits health service providers and their agents to furnish information relating to medical debt to consumer reporting agencies ( CRA ). However, the Act requires furnishers to encrypt certain details to protect the consumer 's privacy. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16
Company: Navient Solutions, LLC.
State: OH
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 have been a XXXXe XXXX for the past 12 years. I recently contacted my student loan provider, Navient, regarding the XXXX XXXX XXXX XXXX and informed them that I have fulfilled my XXXX qualifying payment necessary to have the remaining balance forgiven. Upon doing so, I was informed that while my loans are consolidated, they are not the correct type of " consolidation '' that qualifies. I was informed that I could, however, " re-consolidate '' my loans and start the process all over. And, in 10 years have my loans forgiven. I feel I was given bad information and I have never heard nor been informed of any " special '' kind of consolidation process to qualify for the XXXX XXXX XXXX XXXX. Furthermore, ALL of my loans are federal loans which were consolidated upon graduation from XXXX University during the winter of 2004. Even more troubling is the idea that if such a requirement exists, it was not relayed during my eixt interview or when I began making my initial payment 11 plus years ago.

Company response to consumer: Closed with explanation