BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-27
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I sent a certified letter ( requested by my agent with the debt company ) with the relevant information about my account with The XXXX at XXXX XXXX not actually having a balance ( this included the image of the cashier 's check that was cashed by the apartment complex, a note signed by the manager stating the account actually had a XXXX balance, and my copy of the cashier 's check. ) It was delivered on XX/XX/2023 XXXX am to their XXXX XXXX . I also called on the XXXX of XXXX to ask about my status and was told it was " in processing '' by a manager at the company and was told to check back the next day. I have given the company almost XXXX weeks since that specific phone call and have heard nothing. 
I also have confirmation that the manager of the apartment complex in question ( The XXXX at XXXX XXXX. XXXX XXXX ) both called and emailed with XXXX XXXX on XX/XX/XXXX regarding my account being closed immediately, as I was placed with collections by a clerical mistake on the apartment complex 's part. And they sent a follow up email on XX/XX/XXXX with my account number to make sure the debt company had the relevant information to close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
Company: ALLY FINANCIAL INC.
State: CA
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:
Someone stole my identity and purchased a car through a dealer named as XXXX XXXX located in XXXX XXXX XXXX XXXX XXXX TX XXXX. This dealer submitted a credit application to many auto loan companies for hard inquiry on XX/XX/2023 
I contacted the dealer for the details on XXXX XXXX for XX/XX/XXXX inquiry and discovered that the thief used a counterfeit driver license with my name on XXXX XXXX. 

I filed the identity theft case with FTC ( XXXX ) for XXXX XXXX ( Dealer ) and XXXX XXXX XXXX  on XXXX XXXXXXXX XXXX I filed a police report with XXXX XXXX CA XXXX Police Department on XXXX XXXX and the police report was approved on XXXX, XXXX. 

Along with XXXX XXXX and XXXX XXXX XXXX, 5 more financial companies made hard inquiry on my credit report due to this fraudulent deal on XX/XX/2023 
The hard inquiries submitted on XX/XX/ are all fraudulent which I do not recognize. 

I have been or am individually contacting all companies involved to report the identity theft issue and fraudulent inquiry but some of companies are not reachable.

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 2020-03-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is a 3rd party collection debt buyer that I have requested verification via notarized letters as to the original contract that I signed with this company for more than two years. 
I searched my name on the SC court system site and found a case listed in my name in XXXX county in South Carolina where I do not live in or have never lived. How is it possible for me to protect myself when I had no knowledge of this situation. My address has remained the same for more than 40 years. 

Portfolio Recovery Associates, Llc NEF ( XXXX XXXX XXXX  ) Order/Change of Venue Filing XXXX DMS Image Available Icon Portfolio Recovery Associates , Llc Order/Change of Venue Order XXXX DMS Image Available Icon Portfolio Recovery Associates , Llc NEF ( XXXX XXXX XXXX  ) Motion/Change Venue Filing XXXX DMS Image Available Icon Portfolio Recovery Associates , Llc Motion/Change Venue Motion XXXX DMS Image Available Icon Portfolio Recovery Associates , Llc Affidavit/Attorney Filing XXXX DMS Image Available IconDMS Image Available Icon Portfolio Recovery Associates , Llc Service/Certificate Of Service Filing XXXX DMS Image Available Icon Portfolio Recovery Associates , Llc Summons & Complaint Filing XXXX DMS Image Available IconDMS Image Available Icon

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: DISCOVER BANK
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: Their investigation did not fix an error on your report

Complaint:
The company did not addressed my issue. I strongly recommend card member to be careful with this Company and as stated I'm stepping up and work with lawyer and State Department to take actions against Discover. Discover knew about me wanting to make a payment in XXXX and never took it because my account was under " Working with Consolidators '' status. They could've accepted my payments. Also, account was taken out of these status on XX/XX/XXXX and reported to Credit Bureaus the following day, not giving me time to make at least required payment to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/XXXX, I disputed a debt with XXXX XXXX XXXX XXXXXXXX and requested information from them about the debt. I was told they only received an affidavit from the original creditor ( XXXX  XXXX ) and did not have any other information, including contact information. I was told the debt started in XXXX of XXXX and payments were received for 10 years but they did not have documentation to support this claim. I informed them I was disputing the debt and was told that they would sue me and call my employer and tell them of the debt and request that they garnish my wages. About 10 minutes later I get an alert that a new account was reported to Transunion, which turned out to be XXXX XXXX XXXX XXXX. I disputed the debt with Transunion immediately. After several weeks, Transunion said they verified the debt and it was accurate. I called Transunion on XX/XX/XXXX and asked them what information was verified and what was their process for verification. I spoke with XXXX in XXXX and XXXX in the US and was told they verified the name and address of the collection agency. I asked for specific details that the debt was verified and was told that once they verify the name, address, and phone number of the collection agency that verifies the debt. I again filed another dispute with Transunion. I am outraged at Transunion for not verifying the debt and allowing this fraudulent company to report a debt without verification. This debt has not been reported to XXXX or XXXX, only Transunion.

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 2017-12-27
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX XXXX, XXXX I sent a debt validation letter certified mail to Diversified Consultants. Today is XXXX XXXX, XXXX and I received a response back but it was only a copy of the bill from original creditor XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-13
Company: TRUIST FINANCIAL CORPORATION
State: CA
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:
Someone stole my identity and purchased a car through a dealer named as XXXX XXXX located in XXXX XXXX XXXX XXXX XXXX TX XXXX. This dealer submitted a credit application to many auto loan companies for hard inquiry on XX/XX/2023 
I contacted the dealer for the details on XXXX XXXX for XX/XX/XXXX inquiry and discovered that the thief used a counterfeit driver license with my name on XXXX XXXX. 

I filed the identity theft case with FTC ( XXXX ) for XXXX XXXX ( Dealer ) and XXXX XXXX XXXX onXX/XX/2023XX/XX/XXXX I filed a police report with XXXX XXXX CA XXXX Police Department on XXXX XXXX and the police report was approved on XXXX, XXXX. 

Along with XXXX XXXX and XXXX XXXX XXXX, 5 more financial companies made hard inquiry on my credit report due to this fraudulent deal on XX/XX/ 
The hard inquiries submitted onXX/XX/ are all fraudulent which I do not recognize. 

I have been or am individually contacting all companies involved to report the identity theft issue and fraudulent inquiry but some of companies are not reachable.

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 2021-11-30
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
i was effect by covid 19 and they reported XXXX late payment from XX/XX/XXXX until XX/XX/XXXX on my credit report and will not still remove after goodwill and explain i losed my job due to covid 19

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19
Company: Bridgecrest Acceptance Corporation
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
For the months of XXXX, XXXX, XXXX and beginning of XX/XX/2018 I received repeated calls from Bridgecrest Acceptance Corp. The calls would be back to back and incessant ( I have my phone records ) .I received a call yesterday from " XXXX '' from the company indicating that they are only allowed to call 3 times per week and leave a message [ or something to that extent ] ). I explained to her that wasn't the case and to provide me with a call log ... the conversation ended there.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hard Inquiry XX/XX/2019 Joint Account XX/XX/2019 XXXX XXXX, and credit Bureaus have closed the fraudulent " Joint Bank Account '' associated Fraudulent XXXX " Hard Inquiry '', but not the Hard Inquiry itself off of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
Company: EQUIFAX, INC.
State: CA
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:
Someone stole my identity and purchased a car through a dealer named as XXXX XXXX located in XXXX XXXX XXXX XXXX XXXX TX XXXX. This dealer submitted a credit application to many auto loan companies for hard inquiry on XX/XX/2023. 
I contacted the dealer for the details on XXXX XXXX and discovered that the thief used a counterfeit driver license with my name on XXXX XXXX. I also contacted XXXX XXXX XXXX fraud department and reported the identity theft issue and they confirmed that they will mail the ID theft victim 's affidavit package to my address on XXXX XXXX. 
I filed the identity theft case with FTC ( IdentityTheft.gov ) for XXXX XXXX ( Dealer ) and XXXX XXXX XXXX on XXXX XXXX, 2023. I filed a police report with XXXX ( CA ) Police Department on XXXX XXXX and the police report was approved on XXXX, XXXX. Along with XXXX XXXX and XXXX XXXX XXXX, 5 more companies made hard inquiry on my credit report due to this fraudulent deal on XX/XX/2023. 
Also, two companies made hard inquiry on my credit report due to another incomplete fraudulent deal attempt on XX/XX/2023, and a company made a hard inquiry on my credit report due to another incomplete fraudulent deal attempt on XX/XX/2023.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-06
Company: Paypal Holdings, Inc
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I have a paypal cash plus account. I had directed my social security XXXX payments to be direct deposited to my paypal account. 
My paypal account had an " alleged '' negative balance of XXXX. Fine. On XX/XX/2020, Paypal put a " temporary limitation '' on my account to " verify my idenity ''. 3 seperate times over the past 3 months i have submitted multiple copies of documents including : State ID card, bank statements, debit card statements, proof of address. 
On XXXX XXXX I again submit copies of requested documents. Received an email from paypal stating my documents were being reviewed and I would receive a response via email. 
A direct deposit of XXXX from the social security administration treasury department posts to my paypal account on XX/XX/XXXX. 
Paypal removes the alleged XXXX owed and unjustly puts a " permanent limitation '' on my account to where I apparently can not use XXXX anymore and they will hold my funds for 180 days. I made 20 phone calls to paypal on XXXX XXXX and no one could tell me why my account was permanently limited and why i couldn't withdraw my social.security XXXX benefits. I begged, and explained that I had submitted all necessary documents, my balance was current, and that I am XXXX and only receive this money once a month. That I have a XXXX year old and XXXX year old that are starving and I have no money. I explained that my bills are due on the 1st of the month and are already late. Yet not one representative could explain why my documents i submitted hadn't been reviewed, why I can not use my paypal account anymore and why they would be witholding my money for 180 days ( 6 months ). 
5 seperate phone calls.on XX/XX/2020, exceeded 45 minutes each. I have gotten no response, no explanation whatsoever. I can not wait 180 days to withdraw my own money. I owe nothing to paypal. I was also informed by a representative that my account was permanently limited only 3 hours after my  direct deposit was posted to my paypal cash plus account. For what reason? Paypal will not answer. 
.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Someone stole my identity and purchased a car through a dealer named as XXXX XXXX located in XXXX XXXX XXXX XXXX XXXX TX XXXX. This dealer submitted a credit application to many auto loan companies for hard inquiry on XX/XX/2023. 
I contacted the dealer for the details on XXXX XXXX and discovered that the thief used a counterfeit driver license with my name on XXXX XXXX. I also contacted XXXX XXXX XXXX fraud department and reported the identity theft issue and they confirmed that they will mail the ID theft victim 's affidavit package to my address on XXXX XXXX. 
I filed the identity theft case with FTC ( IdentityTheft.gov ) for XXXX XXXX ( Dealer ) and XXXX XXXX XXXX  on XXXX XXXX, 2023. I filed a police report with XXXX XXXX CA XXXX Police Department on XXXX XXXX and the police report was approved on XXXX, XXXX. Along with XXXX XXXX and XXXX XXXX XXXX, XXXX more companies made hard inquiry on my credit report due to this fraudulent deal on XX/XX/2023. 
Also, two companies made hard inquiry on my credit report due to another incomplete fraudulent deal attempt on XX/XX/2023, and a company made a hard inquiry on my credit report due to another incomplete fraudulent deal attempt on XX/XX/2023.

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 2020-03-06
Company: CITY NATIONAL BANK
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I made a {$150.00} at XXXX for a car rental reservation using a City National Bank credit card on XX/XX/XXXX for travel date in XX/XX/XXXX. I cancelled the reservation late XX/XX/XXXX and the merchant promised to issue a refund. I reviewed my account and could not locate a refund on my account and proceed to initiate a chargeback through City National Bank on XX/XX/XXXX. A phone agent took my information for the chargeback dispute. I received a letter on XX/XX/XXXX from City National Bank stating they will not able additional assistance to resolve the matter and stated the dispute was received more than 60 days after the transaction first appeared on my statement. Meaning since the charge appeared on XX/XX/XXXX, I have no later than XX/XX/XXXX to initiate a dispute. This is a wrong position to take on chargeback resolution as the date for dispute should tie to the expected date of service not the transaction date. Furthermore, Visa allows cardholder to initiate chargeback up to 6 months after the service date and for fraud or egregious cases, there is no deadline to file a dispute. 

I contacted City National Bank on XX/XX/XXXX again and the agent repeat what was stated in the letter and refuse to provide additional assistance. They don't want to help resolve the matter and suggest I suggest the merchant for additional assistance. 

City National Bank does not understand chargeback rules and procedures and deflect responsibilities. City National Bank is obligate to provide payment dispute resolution even though I have cancelled my account with them 3 months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: EQUIFAX, 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 noticed a car loan on my credit from XXXX XXXX XXXX. I never purchased a car from this creditor. I contacted the creditor and told them that I never purchased a car from them. They stated that it was done in a different state. I have never been in that state. Now they are reporting late payments on my credit. I sent them an FTC FRAUD AFFIDAVIT and informed them that this is fraud. They refuse to remove this rom my credit knowing there is a car out there in my name through them and IT IS FRAUD

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
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: Personal information incorrect

Complaint:
To Whom It May Concern TransUnion XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX SOC SEC  # XXXX DOB XXXX ADDRESS XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( XXXX ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX, XXXX XXXX, FL XXXX HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX NAME XXXX DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past XXXX months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL 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 2019-05-08
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I graduated from school in XX/XX/XXXX and began payments on my loans with Sallie mae that turned into Navient. There were times I had trouble paying my loans and I had to try different payment options of forbearance. I have since re consolidated my loans with XXXX however my complaint is SallieMae/Navient never gave me the option to refinace my loan so I could possibly get loan forgiveness in the future. I am a XXXX  and paid on that loan for 13 years with my balance always going up and never down. After looking at my paperwork I realize they added some XXXX dollars shortly after I graduated calling it an " adjustment ''. I do not even know what this is. I started with a balance in XXXX of XXXX and ended with a balance of XXXX. Mind you paying on it the entire time. If they told me my options I could have refinanced to a loan that allowed me to apply for forgiveness after paying on it for 10 years since I am a XXXX that works in a XXXX XXXX. Since moving my loan to XXXX in XX/XX/XXXX I have paid more in 3 years then I ever paid in 13 years with SallieMae/Navient. This is bad business and I feel like something shady had happened. I shouldn't be graduated from school for 16 years still paying on a large student loan debt. And now finally making a dent in my debt with another lender.

Company response to consumer: Closed with explanation