BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-27
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
We are the XXXX XXXX XXXX XXXX files a Chapter XXXX BK XXXX and ever time we try to make payments on our Suntrust MTG ( Truist ) account # XXXX there are issues so the account is consistent goes last due. Payments cant be made by nonlinear, phone and regular frontline agents and collectors cant the payment. This last time we sent a bank wire for the full past due XX/XX/XXXX it was returned by Suntrust and all the information was correct ( amount, payee, account # and their address. Once the funds became available I called Suntrust XX/XX/XXXX and spoke a frontline agent and her manager and after 1 hr. They apologize so I called back and ask to speak to the BK as I am trying to make a payment they transfer me and it route back to XXXX  XXXX  who were unable to take a payment. I hung and called back 3rd time that agent was the least helpful stating she could hear. I hung up and back then after 35 minutes a competent employee XXXX who processed a payment. 

This is a clear violation of UDAPP deceptive acts and practices because they read the disclosure attempt to collect the debt and if you file BK you may not need to pay the bill however Suntrst can take action on the property The home was excluded from BK and I am trying my best just to get them to take a payment

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 2020-01-22
Company: Southwest Credit Systems, L.P.
State: MA
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:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: EQUIFAX, 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:
XXXX XXXX XXXX XXXX : XXXX XXXX XXXX- I have disputed this collection more than once from all credit bureaus. I also sent a BBB complaint to the original creditor where they in fact adjusted the breakdown even though it was not correct, the credit bureaus are reporting {$1100.00} more than what is owed to the company per their break down. Even though it should be even less than that. I want this removed from my credit as ALLEGED DEROGATORY REMARKS DEFICIENT OF REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, NAMELY METRO 2 AND THE FCRA STANDARDS. MAKING YOU LIABLE UPON MY TAKING THIS MATTER TO CIVIL COURT IN MY AREA FOR PROPER AND ETHICAL RESOLUTIONS AND AWARDS OF AT LEAST $ 1,000+ PER STILL UNPROVEN, UNTRUE INACCURATE, UNTIMELY, INCOMPLETE OR ELSEWISE NOT COMPLIANT ITEM REPORTED THAT IS HEREBY NOW BEING CHALLENGED IN WRITING COMPOSITION. The last dispute I submitted I attached a copy of the companies final response showing {$480.00} plus cleaning fee due which in fact is still incorrect as the company overcharged me for 12 months on my lease and they required me to pay a late fee many times when there should have been a credit. Since the Bureus did not valide the debt to it 's intirety as I requested more than once, I want it deleted and removed from my credit report. per the Fair Credit reporting act, namely section 609 a1A, it is in CLARITY that you are MANDATED to retain COMPLIANCE at all times, particularly upon notification by an infringed consumer that you are deficient of your requisites toreport adequately and a challenge ( or dispute ) is lodged versus any data iformation previously NOT proven PHYSICALLY to be affirmed valid or is UNABLE to be demonstrated as true, accurate, complete, timely, and otherwise fully compliant to laws upon a documented declaration of concern by the consumer.I demand, as is MY RIGHTS to do so and as is your REQUIREMENT to satisfy, for you to ANNUL by deletion or removal any and all allegations DEFICIENT of PHYSICAL EVIDENCE OF COMPLIANCE to reporting laws much less verified and valid.If you are unwilling or UNABLE to do so in a federally defined TIMELY manner you MUST rectify your infractions by RETURNING TO or retaining federal reporting COMPLIANCE TODAY, even RIGHT NOW.As such, I DEMAND that you CERTIF.ICATE the verification and validity of the following claims or DELETE NOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: Kriya Capital, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is a dispute and claiming a collection that was mistakenly placed on my credit report by XXXX XXXX XXXX XXXX' and " CREDENCE RESOURCE MANAGE '' in the amount of {$210.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-05
Company: JPMORGAN CHASE & CO.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
- I've been a customer with Chase for over 6Y, & I have been VERY satisfied with their service, I have a checking, Saving & two credit cards with them. 
- This XXXX. I finally started my own business ( XXXX XXXX XXXX ). 
- On XXXX XXXX, I went to " My Bank '' Chase to open a business account, the banker " XXXX XXXX '' was really very helpful, she opened me a business account & a credit card for business. 
- I got an email confirmation about everything & that it is all OK, so, I used the bank account to make 2 payments related to the business, one to XXXX County, & one to XXXX XXXX. 
- on XXXX XXXX, I tried to login to my bank account online, I discovered that my login is suspended! - I was never notified the account was restricted formally until more than a week after-. 
- I went to the nearest branch, the banker told me they restricted your account & they didn't mention why! The banker told me " They didn't mention any reason ''. She gave me a phone number " maybe '' they would know why! 
- I called, the rep advised that they failed to verify my identity! ( I already have 4 accounts with chase & have been dealing with them for over 6 years )! He asked me to take my social security card, DL & go to a Chase banker to verify my identity! 
- I took them & went to the same banker opened the account, she wondered & told me " I just copied your info from your other accounts '' ( they all linked ), she scanned both of them ( SS card & DL ), and uploaded them, but also couldn't solve the issue, & didn't know why or what was the reason! After talking to her manager ( who also didn't know why they closed the account! ) they ended up that I might have an identity theft, which scared me ( I'm planning to buy a house ). They printed me the contact info of the 3 credit bureaus & advised me to check with the Social Security Admin. ASAP. 
- After wasting 3 hrs with the SS Admin. & get my Credit report, I found everything is perfect & I don't have any problem. 
- I want to know why they restricted my account, WITHOUT ANY REASON! & put me in this situation with my creditors?! If there is a problem ( and there is not ), why they didn't just put things on hold till they confirm anything - again, I wasn't just walking by & decided to open an account, I've been dealing with Chase for over 6 years ). Is it discrimination or not to pay {$300.00} new acc bonus!!!! They wasted my time ( a LOT of time ), scared the XXXX out of me ( Identity theft issue ) & might affect my credit so bad ( XXXX XXXX ) - I was NEVER late on a payment my whole life!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21
Company: BMW Financial Services NA, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XXXX of XXXX, my leased XXXX  XXXX was totaled in an accident. My insurance company XXXX paid off the vehicle 's balance as part of my settlement and I understood my loan as being closed. I was not aware that the property tax for the vehicle would be added to my lease account " Balance '' 4 months after the car was paid off. 

Fast forward to XX/XX/XXXX, I was hit with a " collections '' account on my credit report for an unpaid balance on my BMW lease. When I reached out to BMW financial asking why I was never notified about this unpaid balance, they said they tried for a year to reach out to me and the balance was moved to collections. I never received a single phone call, letter or notification that I still had a balance on the vehicle after XXXX paid off the loan. When I asked them if they will remove the collections report on my credit report if I pay off the balance, they said they can't because its against company policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11
Company: Strategic Alliances, Inc.
State: RI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is an attempt to collect repeated overdraft charges made to my account by XXXX for an unauthorized charge. The account was charged four times at {$35.00} each time and the remaining money in the account was taken and the " balance due '' was {$110.00}. At the time, I asked the bank to reverse these charges. They refused and sent it to collections almost immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/2020 : During this Covid-19 Pandemic PHH Mortage Loan # XXXX has sent my loan to be foreclosured on, on my property XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX dispite XXXX. XXXX XXXX issued an executive order the suspension of foreclosures and evictions and dispite the CARES Act protection. For two months PHH would not allow me to make payments on my home and caused me to go into default and have piled on late fees and lawyers fees for months XXXX - XXXX during the Covid-19 pandemic. When I called XXXX XXXX office XXXX they were not able to give me what the reinstatement amount not were they able to tell me why my loan was sent to their office. They advised me to call back the servicer to get information as to what they reinstatement amount is and they could not tell me over the phone. I then called back the PHH and they advised that on XX/XX/2020 they sent my file to lawyer to be foreclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I purchased some Litecoin ( a cryptocurrency ) through Coinbase on XX/XX/XXXX and the transaction has been in " pending '' status to this day XXXX XX/XX/XXXX ). I've sent 4 emails over the course of the last 4 months regarding this issue with little to no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28
Company: AES/PHEAA
State: NC
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:
XX/XX/2018- now. {$16000.00}. This company keeps trying to steer me into forbearance before letting me know about any other payment options.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8700.00}, {$2100.00}, {$4300.00}, {$5500.00}, {$25000.00}, {$24000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8700.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4300.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5500.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$25000.00} -This is not my account. 


-- STUDENT ACCOUNTS 6. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$24000.00} -This is not my account.

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 2018-03-05
Company: ERC
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company has constantly and harassed me about payment they were threatening me with arrest send me constant letters about payment but I never signed paperwork with this company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: Santander Consumer USA Holdings Inc.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found 30 days late payment on the dates XX/XX/XXXX and XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Upon looking at my Transunion, XXXX, and XXXX  credit file, I learned of a collection account from XXXX XXXX had been added. I have tried to reach out to this company through Consumer finance protection bureau and XXXX XXXX XXXX in regards to this collection account. I have no signed contract with this company. This account is not a validated account nor is this account verified. This is a non verifiable item that has been placed on my credit file causing my score to drop.

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 2020-11-22
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: Account information incorrect

Complaint:
The credit bureaus are reporting inaccurate information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: Conduent Incorporated
State: GA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I received a letter from dol around the second week of XXXX about a GA UI prepaid card issued by Comerica it's now XXXX I haven't received a card they say my first 2 unemployment payments are on it, I'm not getting through the 800 # because they want a card # and I don't have a card, I'm trying to see if that card was mailed to my address since I got the letter at my address I'm trying to what's going on, I've reached out to the department of labor, I'm receiving the other money direct deposit, please get back with me, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: Affirm Holdings, Inc
State: ND
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Affirm has constantly contacted me over the course of 7 days. I have blocked their numbers yet they have left multiple voicemails with no messages and have most likely tried contacting me more. I am a survivor of cyberstalking and have XXXX XXXX XXXX XXXX because of the incident and when Affirm has called and left blank voicemails it triggers my XXXX. Not only have they violated my rights as a consumer but my rights as a XXXX XXXX. I have attached 3 of their voicemails however they have left 3 more and have most likely attempted to contact me more.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: EQUIFAX, INC.
State: NV
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 Reporting Act. XXXX XXXX XXXX XXXX hard inquiry XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. ALL HARD INQUIRES has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have a 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
Company: Patient Accounting Service Center
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I went to the emergency room on XX/XX/2018. My part of that bill was {$250.00}. 
The collecting agency now is ARSTRAT - PHONE : XXXX # XXXX Since that time I have spent the majority of these months on XXXX XXXX  XXXX. I receive XXXX XXXX. {$250.00} is a little amount - but to me it is a lot. My mom agreed to help me with the debt even though she is retired and on a fixed income herself. She has made TWO payments in regard to this matter. However, ARSTRAT continues to bill us the full {$250.00}. I have called three times, and they always say they have no record of ever speaking with me and no record of receiving any payments, and that I need to pay the {$250.00} immediately. 

I spoke to the business office of the original billing department, which was XXXX XXXX. They DO have record of two payments, and assure me ARSTRAT has the same capability as they do to see these payments that have been made. So I called ARSTRAT back once again and asked to speak to a supervisor. They transfer me - but then the phone just hangs up and I get a dial tone. 

ARSTRAT has told me repeatedly they can't see any payments I made to XXXX XXXX, although XXXX XXXX says this is not true, and that ARSTRAT can see any payments which have been made to this service on XX/XX/18.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: Experian Information Solutions Inc.
State: MD
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 am writing this to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported this to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 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 2022-11-17
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX, has violated my rights. 

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 XXXXXXXX, 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 a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation