BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-19
Company: Resurgent Capital Services L.P.
State: OR
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: Conn's, Inc.
State: NC
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:
On XX/XX/2020, I contacted Conn Home Plus to see what options for payments to get had available to assist customers during the COVID 19 pandemic. They offered to refinance my account if I was to  make a payment of {$160.00} by XXXX XXXX and going forward my payments would drop from XXXX to {$130.00} per month. The payment was made and the contract was signed and dated on XX/XX/2020. All through XXXX, XXXX, XXXX, XXXX and now XXXX I have received harassing phone calls and now a letter from and Attorneys office about the old account. I have contacted Conn on  multiple occasions asking them what is going on and why are they sending harassing emails and calls. Each time I mentioned that I had refinanced the loan and waiting on the new account as I told them was supposed to be to me since XX/XX/2020 they would give me an explanation that due to COVID 19 they were behind and it could take 90 days but the contract had been signed and payment has been made so everything things is ok. I had no worries. On XXXX XXXX I received a letter from an Attorneys office about the old Debt to Conns wrong amount and all. I have been harassed for months and no resolve. Ive forwarded the contract signed by my self and Conn to the attorney XXXX XXXX in WI. The amount owed isnt correct because payments have been made to Conn Appliances, INC. I have my phone records with the dates and times and duration of the calls with Conn regarding the new account and the harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-19
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have a student loan with American Education Services ( I used to have it with XXXX XXXX XXXX [ XXXX ] ). The monthly payments are about {$360.00} a month. I could not afford to make the payments and I have called AES numerous times asking them for a compromise. They do not have any alternative payment plans. The operators have told me that it will be reported to my credit report, but they do n't offer any solutions. The loan is over {$9000.00} delinquent. I ca n't afford to pay the delinquent amount, nor can I afford the monthly payment. 

The last phone call with them, on XXXX XXXX, XXXX, I requested the contact information of the lien holder of my loan. The operator told me they were not allowed to give out the lien holder information. She suggested I send a letter to AES and they would forward it to the lien holder. I mailed a letter on XXXX XXXX, XXXX. In the letter I requested the lien holder to roll over my delinquent balance into the loan balance. I also provided pay stubs as well as an XXXX file of monthly expenses. I requested that they lower my monthly payment to something more affordable. It is now XXXX and I have not heard from the lien holder or AES confirming my correspondence. 

I do not think it is appropriate to with hold information about my loan. I also do not think it is proper business practice to continue to charge delinquent fees when I ca n't even pay the monthly payment. I feel as if I 'm in this deep hole and they are making it grow exponentially. I graduated college during the recession, my first jobs were less than 30k a year and it has not improved with the current economy. Now I have a son and growing debt. I am not asking for the loan to disappear, but I am asking for it to become manageable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: ALLY FINANCIAL INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
I have reason to believe an account was opened fraudulently in my name. I am receiving letters from this bank and Ive never opened an account here. Im not sure what to do, this is not the only bank Ive had this issue with. XXXX XXXX, XXXX XXXX, XXXX XXXX, now ally bank.

Company response to consumer: In progress
Consumer complaint received 2023-04-23
Company: Experian Information Solutions Inc.
State: FL
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:
In accordance with the Fair Credit Report Act XXXX, Account:XXXX XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 Section 602 A, States I have the right to privacy.

15 U.S.C 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

This account is fraudulent account, I did not open any account with this company.

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 2018-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 just obtain copy of my credit report and found there are unauthorized inquiry on all three of my credit reports. I have learned there was security breach and according to the credit bureau website my information was affected. I have disputed the inquiry with the bureau and was advised that inquiries are a factual record and that all information has been verified and accurate. No proof was sent showing how this information was verified.

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 2021-01-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
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:
About three years ago I purchased phone and service from XXXX who gave me discount if I provided a credit card such that XXXX might charge it monthly. I gave my Bank of America credit card info to XXXX to use. Monthly they push messaged me advanced notice of date and amount due giving me opportunity to early pay by some other means. I received such notice on the XXXX of every month with a due date of the XXXX of the next month. My due date for any BOA credit card usage is the XXXX of every month. I never made direct arrangements with BOA to pay my XXXX bill. On XX/XX/21 I changed my payment arrangement with Tmobile over to a XXXX XXXX account not wanting to use my BOA credit card ( paid up to date no balance due! ). Sometime between XX/XX/21 and XX/XX/21 i got an email from BOA charging me {$49.00}, due XX/XX/21, for my next months XXXX bill. I called BOA telling them I switched my payment arrangement with Tmobile to Discover Card on XX/XX/21 as well as ask how they could bill me for a charge that had not been established as yet? Reminded them I had no arrangement with BOA to pay my bill.On XX/XX/21 I received my bill of {$49.00} from Tmobile due XX/XX/21. I called them to discuss BOA conflict. They removed my BOA credit card and replaced it with my XXXX car to be charged. I was told BOA was acting presumtuosly by charging me for a bill that was not generated yet. On XX/XX/21 I received another email from BOA reminding me that my new bill of {$49.00} for XXXX would be due on XX/XX/21. XXXX is no longer charging my account with my BOA card, they will charge my XXXX XXXX. Why has BOA sent me notice of this bill due on XX/XX/21? I will owe them nothing! Bad business practice.

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 2023-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
In accordance with the Fair Credit Report Act XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 Section 602 A, States I have the right to privacy.

15 U.S.C 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
This account is a fraudulent account, same account number reported twice on my credit bureau with different amount.

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 2023-04-23
Company: Experian Information Solutions Inc.
State: FL
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:
In accordance with the Fair Credit Report Act XXXX, XXXX, XXXX XXXX, has violated my rights. 
15 U.S.C 1681 Section 602 A, States I have the right to privacy.

15 U.S.C 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
This account is a fraudulent account, I have been reported this concern to this company and no action has been taken.

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 2018-07-18
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
CASH CENTRAL XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX The company listed above is on my credit report. I have no idea why they are on there. I'm hoping they can remove it. During the time they have stated I was not even in the US, I was working in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
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:
XX/XX/XXXX, I mailed a certified letter to OneMain Financial disputing the information on my credit report and asking for verification of the account. I received a response that said it was accurate but they did not send any verification documents and just said that the account has been sold. No dispute was placed on my credit report as required by Fair Credit Reporting Action and the Fair Debt Collection Practices Act. On XX/XX/XXXX, I mailed a certified letter to OneMain Financial stating that they violated federal law by not putting the dispute remarks and once again requesting validation documents showing my signature. They responded that they would not address any more disputes. Once again no documents were sent and no dispute remarks were placed on my credit report. XXXX XX/XX/XXXX, I sent a final letter regarding them not putting the dispute remarks on my account and stating that since they have violated federal and state laws numerous times, the account must be deleted. They responded that my dispute does not provide specific information. Since they continue to violate federal and state reporting laws, the account must be deleted. All correspondence is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
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: Information belongs to someone else

Complaint:
I went to the XXXX dealership and test drove a couple of cars. I'm in deep thought of getting a new vehicle. I went home and checked my credit report just to make sure my score is up to par. While doing so I noticed a couple of items on my credit report that are not mine. This is unacceptable. I need these items deleted from my report. I'm working on this all on my own. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX TX. XXXX XXXX, XXXX, XXXX CARD, XXXX. I have contacted the FTC and local police and Im also doing this on my own behalf.

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 2020-09-22
Company: TRUIST FINANCIAL CORPORATION
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I booked a vacation home through people named XXXX XXXX and XXXX XXXX on XX/XX/2020 for {$1700.00} and it ended up being a total scam. I had numerous email conversions with this person and i even looked up the property and it does belong to XXXX XXXX. After I did not get a response back a few days before our vacation was supposed to start, I started researching and found XXXX XXXX on XXXX. She had told me that i was involved in a scam. I did a money transfer through XXXX through XXXX XXXX  and this payment was sent to XXXX XXXX at Suntrust bank. I opened up an investigation with them and they said there was nothing they could do. I also have a police report open under incident number XXXX with the XXXX Police Department. There is also a police report open with the XXXX county police under XXXX from a guy named XXXX who we found out also got scammed by the same person.

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 2023-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
In accordance to the Fair Credit Reporting Act, XXXX  account number XXXX XXXX XXXX, has violated my rights. 

15 U.S.C. 1681 Section 6 States, I have the right to privacy.

15 U.S.C. 1681 Section 602 A, Section 2, I also state, a consumer reporting agency can not furnish an account without my written instructions.

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 2023-08-08
Company: World Omni Financial Corp.
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
I believe that my information has been taken from me in theft. There is a place called XXXX XXXX XXXX on my credit report. Not allowing me to get a place to live, says I owe {$2200.00}. The date XX/XX/2016. I have never lived there. Trying to take this off my report is crazy. I have mailed out a letter to XXXX  and try to dispute on transunion. Transunion said it was sent. Some how it's still showing on my report. How do I get this off?

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 2021-01-25
Company: Conduent Incorporated
State: VA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I received an email that I had changed my pin when I did not change the pin. I checked account and there were 2 different transfers into 2 different accounts that came out to over XXXX dollars. I contacted the way2go customer service and filed a claim. They sent me a letter denying that it was fraud. After spending hours trying to get someone on the phone, they said they would send me information why they didn't approve my claim, but never did. I spent another 2 days trying to get someone on the phone, which kept disconnecting with over 4 hours on hold. I am a single mom to XXXX kids, and I can't afford to give up regarding blatant fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
To whom it may concern, I was asked to leave an apartment shortly after signing a lease. It was agreed that no penalties or fees would be owed if I moved out by the end of XXXX. I complied and on XX/XX/XXXX a letter from apartment manager XXXX XXXX ( who I have an open case with for harassment ) sent me a letter showing I owe a debt and I had 30 days to send payment. 

On XX/XX/XXXX an email from Hunter Warfield Inc was sent to me advising I owed a debt in the amount of {$2800.00} by XXXX XXXX on account # XXXX. It was impossible for the debt to be valid since the XXXX day had not passed. 

I sent a response the same day advising I would be disputing this information and that I had proof from management that a debt was not owed. A response was sent to me by Ms. XXXX XXXX Consumer Collections Manager with Hunter Warfield who advised a debt validation letter would be sent. 

34 days after my initial request to validate the debt, another communication email was sent with an encrypted message. I was not able to see the message and saw this as an attempt to not provide the information I was seeking. 

The property manager has been known to use harassment tactics to violate peoples daily lives. She is now using Hunter Warfield since she is now under litigation for her actions. 

Hunter Warfield should have noticed the debt was not even due and should have not started debt collections. Hunter Warfield is fully aware of their actions. They refuse to provide the information necessary to collect a valid debt and still continuing to harass me for debt that has not been validated. 

The apartment is charging for items such as water and sewer use that was never required to be paid. Also the apartment is charging for XXXX rent when a letter is attached showing rent would not be charged for XXXX as well of any other penalties if moved out by XX/XX/XXXX.

Company response to consumer: Closed with explanation