BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-06
Company: RentDebt Automated Collections, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2021, I was notified about RentDebt 's collection that was reporting an account that I had no knowledge of until it was reported on my credit report. I called to speak to someone from this agency and sent them my lease and other bills that would verify that I was not at the apartment complex that they are reporting for. The manager stated, " You can have two apartments and light services. '' He did not take my original lease from my complex that I have been in for 5 years, and XXXX  bill as proof. I then disputed the information with XXXX, and I sent them a 609 letter to verify and submit proof of verification and they denied me that information. The attachment is a light bill that is months prior to the date of debt. I There is only one residence on the bill. If there were multiple units attached to this bill, it would show that location of where the debt is trying to collect from.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02
Company: REGIONS FINANCIAL CORPORATION
State: SC
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:
A credit card was opened in the name of myself and my father. My father XXXX XXXX in XXXX XXXX. When probate was started, the savings account, checking account associated with my father, and credit card associated with my father and myself was supposed to have been closed in XXXX, XXXX or XXXX weeks after the XXXX of my father. Four months later, in XXXX I received a letter from the bank that issued the card stating I owed money for a charge from XXXX ( more than one month after the credit card account was supposed to have been closed ). Not only was the card not closed, a charge was made, and the bank expects to hold me liable. XXXX XXXX, the agent who assured us the credit card was closed now says that it was not closed, and that I am responsible for the charge.

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 2017-10-03
Company: EQUIFAX, INC.
State: NC
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:
Company Name : XXXX XXXX XXXX XXXX XXXX falsely claims is owed {$9900.00} Account opened XXXX, XXXX I was made aware of this bogus account earlier this year when I tried to purchase a new vehicle. I have never received collection calls, mail or any communication from this company or the " original creditor '' concerning the collection of this bogus account. I immediately obtained help from a credit XXXX in an attempt to correct this and other errors I discovered on all XXXX of my bureaus. This particular account was disputed with all XXXX Bureaus and was immediately deleted from XXXX and XXXX. Equifax however has failed to delete this bogus account off of my report. There have been XXXX disputes initiated for this account with Equifax and they are still reporting it as verified. This however can not be true as it is NOT my account. They have also recieved proof of deletion from XXXX and XXXX. When I contacted Equifax about this, they stated that only the balance was disputed and not the account. However, the entire account was disputed. I have initiated a re-investigation, but at this point I have NO confidence that Equifax will remove this bogus account from my credit report. This is why I have chosen to get the CFPB involved. I will pursue this legally if needed as I have supporting documentation from both Transunion and XXXX stating that the account could not be verified as belonging to me and therefore was deleted off of both records.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: LoanCare, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I really need your help urgently. In the nutshell, my current mortgage is with XXXX ( known also as LoanCare, going forward I will go by name XXXX ) and my monthly mortgage payment is extremely high. With XXXX XXXX  it became very difficult to pay for the mortgage. I have secured a refinance commitment from XXXX XXXX XXXX and they are willing to refinance my loan and reduce mortgage payment significantly. They have reached out to XXXX and asked to send XXXX documents ( collateral file ). XXXX has told the bank that they will send the documents out in 3 months which is astonishing. XXXX XXXX XXXX has locked the rate and they need to close in two weeks. XXXX does not want to cooperate and they hold me hostage with my loan. I will not be able to pay higher mortgage payment for the next three months. I have reached out to XXXX and asked for help, but their customer service rep stated that they are helping other customers and will not send any paperwork within 3 months. I am hopeless and speechless. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03
Company: Greyhound Capital Group LLC
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Unexpected or other fees

Complaint:
The company just stated their online statement about the fee. Which is : Online - Gift Ticket Orders ( {$18.00} non-refundable Gift Ticket fee applies XXXX Gift Ticket Orders ( GTO ) let you buy tickets online using your credit card for another person. 

Gift Ticket Orders ( XXXX XXXX XXXX non-refundable {$18.00} Gift Ticket fee will be applied at the time of purchase. This fee is per transaction, not per ticket, so it 's the same no matter how many tickets you buy. The tickets can be printed at home or picked up at the bus station theyll be traveling from. GTOs are only applicable at XXXX XXXX locations. 

To pick up their tickets at the station, the person traveling will need to provide : XXXX ID or password chosen by the person purchasing the ticket Confirmation Number At the station- Prepaid Ticket Orders ( {$18.00} non-refundable Prepaid Ticket fee applies ) Prepaid Ticket Orders ( PTO ) let you buy tickets at a Greyhound bus station to be picked up by another person.

Company response to consumer: Untimely response
Consumer complaint received 2017-10-03
Company: Rent Recovery Solutions
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from rent recovery solutions, XXXX stating that I owe the {$300.00}. I requested debt validation from them and they are sent documentation for an apartment that I never lived in. I then sent another letter for the debt validation and received a letter with charges on it. 

I did sign a lease for the address listed, but the apartment was infested with roaches and I moved out before a week and there was no damage to the apartment. Now that they can not validate the debt they are modifying what they are sending. 

This is not debt validation and they have not and will not provide it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: PNC Bank N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
PNC bank XXXX XXXX Credit Card. My account was cut off due to XXXX mo of inactivity. They sent out XXXX letter that likely looked like junk mail and was thrown away. I am a XXXX year customer and lost my credit history when my card was cut off. I asked them to reinstate it but was told it is impossible. I am shocked they are allowed to punish customers who do not have debt and keep a credit card for emergencies. One letter is not sufficient notice that your card with be canceled.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26
Company: TRANSUNION INTERMEDIATE 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 status incorrect

Complaint:
I have paid all my debt, accounts that were past due or closed. some were removed but others were n't. i wrote to the credit reporting and sent them copies of the letters I received that shows they were paid but nothing has changed

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 2021-06-11
Company: The CMI Group, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX XXXX, I received a notification that I had a new account in collections. The problem with this is that its an account that was already paid off & settled with ( XXXX ) another collection company! I submitted a dispute on XX/XX/XXXX with VALID proof of settlement yet XX/XX/XXXX& Credit Management LP ( suspicious debt collector ) have not removed nor come to a solid solution to this. I submitted a 2nd dispute on XX/XX/XXXX & currently waiting on results. Im Furious because I had this happen last year after settling that account & my dispute was successful, so what makes this any different?! theyre literally the same situation just different dates & companies!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
Company: PNC Bank N.A.
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Unexpected or other fees

Complaint:
got a letter from XXXX XXXX ( see attached 1 ) that a transfer to the PNC Bank needed to be addressed. I then contacted the PNC Bank in XXXX tx and received a response detailing that the funds were to large to make a direct deposit ( attached 2 ) As I did n't have the XXXX asked for to start this I was told they could work out an arrangement for 10 % of the total XXXX XXXX. ( attached 3 ) then they decided that it could only be don on direct deposit, which they tod me at the beginning was illegal, and when I question the legality of this I just ge the same response ( attached 4 ). Any questions just gets the same respnse. send {$780.00} to start and agree to a fee of 10 % of the total XXXX XXXX and it will be direct deposited, which they said was not legal. I do n't know if this whole hing is a scam or what the deal is but I can get no other answer from them or from XXXX XXXX at the XXXX who first contacted me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08
Company: Diversified Consultants, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
DISPUTE/XXXX I leased a phone with XXXX company in early XX/XX/XXXX from an agency in XXXX XXXX, Washington, XXXX. The agency told me that I could return the phone if I was not satisfied. I was not satisfied and so I returned the phone before the expiry of the given 14 days. I was charged XXXX dollars as restocking fees. I received a bill in XX/XX/XXXX of XXXX dollars. I disputed that reminding them that I had returned the phone and even provided them with a receipt number of my payment.They promised to look into the issue but instead of resolving it I continued to receive more bills which so far have amounted to XXXX dollars. The Diversified consultants took me to debt collectors on XX/XX/XXXX. I wrote to the consultants on XXXX thru XXXX XXXX firm but I have not received any feed back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: General Motors Financial Company, Inc.
State: LA
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:
Gm financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all inquiry I have no knowledge of can you please remove this from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: Braviant Holdings, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Every other week, by XXXX XXXX Mail, I get a pre-Qualified loan offer from Balance Credit. Over XXXX months ago I applied for credit and was declined. I ask them to stop sending me these pre-qualified offers going forward. Today I received another one. I want these offers to stop as they will not approve the loan but yet they keep sending the pre-approvals. When I log in to their website, it states I do not qualify for a loan with them prior to accepting an application. Since they know this much information about me, surely they can stop sending me false misleading information about being Pre- Qualified for a loan. They have no intentions of approving me for a loan, but yet they continue to send these letters after I ask them to stop!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26
Company: JPMORGAN CHASE & CO.
State: TN
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:
Since XX/XX/XXXX Chase has been illegally running hard inquiries on my credit report WHEN I HAVE NOT APPLIED FOR CREDIT. I have filled numerous reports including police reports and they have not stopped yet. XXXX is participating by not removing the hard inquiries even though THEY KNOW that I DID NOT APPLY AND THEREFORE THE CREDIT HAS BEEN RUN AGAINST THE LAW! XXXX has acknowledge that they are fraudulent and have removed there erroneous and illegal inquiries. I am filing this new complaint because they are doing it AGAIN on XX/XX/XXXX according to my credit monitoring company and to a letter that I 've received in the mail today. I have  filed a FCRA Federal Case against Chase and XXXX and am filing this with you because it has n't stopped and its your job to take action and reports on problems such as this. In XX/XX/XXXX Chase left out the " XXXX '' on the fake inquiries after I complained to you about it. In XX/XX/XXXX Chase has included " XXXX '' again. I HAVE NOT APPLIED THROUGH XXXX OR OTHERWISE AND THEY ARE DOING THIS ILLEGALLY AND I WANT CHASE TO STOP AND WIPE ME FROM THEIR SYSTEM. THEY SHOULD BE AWARE THAT THEY DO NOT HAVE THE RIGHT TO USE MY INFORMATION BECAUSE IT WAS NOT SUBMITTED BY ME! I ALSO WANT XXXX TO REMOVE THE ILLEGAL INQUIRIES AS THEY SHOULD.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26
Company: Experian Information Solutions Inc.
State: IN
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 found an item on my credit report with all 3 bureaus ( XXXX, Experian, and XXXX ). With XXXX, the fraudulent account appears as " Indiana XXXX XXXX '' with date open of XXXX and account balance {$19000.00}, account # XXXX. With Experian, similar information is listed with the addition of an address and phone number : XXXX XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX This address is for Indiana University XXXX XXXX, but the phone number takes me to what I believe to be fraudulent individuals attempting to get me to make payments for a loan I did not originate. I have also been getting letters and voicemails from individuals claiming to be associated with Indiana University that I have not responded to due to the appearance of fraud. The most recent of these voicemails was left on my cell phone on XXXX XXXX, 2017 at XXXX from phone # XXXX. The voicemail reads, " Hi I 'm trying to reach XXXX XXXX, this is XXXX with Indiana University, please give me a call at XXXX, option 6, 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 2017-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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/XXXX, I received a credit report alert for the first time through TransUnion notifying me about a delinquent account that was reported to the credit bureaus ( which had detrimental effect on my credit score ) by a collection agency, named XXXX XXXX XXXX. This agency acted on behalf of XXXX XXXX Fire Department ( XXXX ) regarding what is perceived to be an overdue payment for XXXX ambulance service on XX/XX/XXXX. While it is true that I had used an ambulance service on that particular date, I had never received a bill through the mail in this regard, bearing in mind that my insurance coverage pays the ambulance service 100 %. 
On XX/XX/XXXX, I contacted XXXX XXXX XXXX to locate my collection account. I discovered that the agency had me under a different last name ( XXXX and not XXXX ), they did n't have my full address ( just the building address without apartment number ) and did n't have my social security number. Afterwards, I called XXXX who acknowledged to me that they had sent a bill to an incomplete address ( a mistake from their part ) and that the mail bounced back to them and they did n't search for my information. They also notified me that they will file a claim to my health insurance company and they will pull back the collections claim and apologized for their mistake. Since, I was kept in the dark for a year and I did n't receive a single mail to inform me of these developments from either parties, I kindly ask to notify all credit bureaus to remove any negative impact this situation could have resulted in 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 2017-10-02
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
hippa, crainaccurateinformationviolates my cra rights

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