BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-04
Company: HW Holding, Inc
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Lease agreement terms 100 % fulfilled. 30 Day notice given. Never late on payments. Left with XXXX balance. All payments submitted in full. Also cosign DECEASED.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
There is unverifiedinformation listed on my credit report. I believe under the Fair Debt CollectionsPractices Act., I have the right to request that you allow me to validate the alleged debt. Additionally, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partiestorelease myinformation toathirdparty. I am trying to get an apartment and I am having trouble because of these items on my report. 

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX COLLECTIONS # XXXX XXXX XXXX  XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: Flandreau Santee Sioux Tribe
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I borrowed money from Rushmore Financial in XXXX. I paid the amount in full and have a receipt of payment from them. They continue to attempt to collect payment even though I have paid it, and I have sent them desist letters demanding that they stop contacting me ; however, they continue to contact me from different companies and I continually send them emails that they confirm they've received with a copy of the receipt of the paid debt in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have saved over XXXX dollars with the XXXX app. Your institution has stopped XXXX  from accessing my money to help me save. I want it back available to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: ProCollect, Inc.
State: MS
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:
I paid my account in full XXXX XXXX with Procollect , Inc . The amount owed was {$750.00}. On this day, I was told that I would receive a letter advising that my account is paid in full. I never received the letter. I have confirmation numbers for each account. Each time I call and ask questions, they advise that my account can only be accessed by " XXXX XXXX '', who I had not been able to get a response from as he does not have a phone number or an extension ; only an email address. He did not respond to my email sent XX/XX/XXXX. I decided to call again a day later and was transferred to XXXX XXXX for the first time. He advised that my letter was sent via email XX/XX/XXXX. I advised that I have not received a letter and that it is still showing on my credit score. He said that it is not still showing however it was still showing as of XX/XX/XXXX. I asked him can he send me an email with my letter attached and I could verify that I received it this time while we are on the call. He immediately raised his voice and he stated verbatim, " I do not know who you think you are. I do not work for you and as a matter of fact, I will be adding this inquiry back to your credit report. It's was not on there but now it will be. '' XXXX also stated that doing his job was doing me a favor and that he has the power to keep this inquiry that I have paid in full on my credit. On top of him screaming at me to the top of his lungs, he stated he is the only person that can help me and he is not helping me, his actions hurt me and have a negative impact on my credit score. I have no proof from ProCollect that I have paid this in full. All I am asking for is my letter. If I received my letter in the mail as they stated, this could have all been avoided. 

Company : ProCollect Inc XXXX XXXX XXXX # XXXX XXXX, TX XXXX Confirmation # XXXX and # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: Mr. Cooper Group Inc.
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was in a covid 19 forbearance and they reported me late over 90 days to the credit bureaus. I was told that a covid 19 forbearance would not be reported late, it even on their website and its and FHA loan so it's the law. Mr Cooper is the name of the mortgage company but they are also known as nation-star mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
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:
ftc violations listed and filed to FTC XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Account Type Auto Account Status Closed - Paid and Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit XX/XX/XXXX Creditor Name XXXX XXXX XXXX Account Type Auto Account Status Closed Opened Date XX/XX/XXXX Creditor Name XXXX XXXX XXXX  Account Type Auto Account Status Closed Opened Date XX/XX/XXXX Closed Date -- ATTORNEY GENERAL-XXXX Account Type XXXX XXXX  Account Status Open XXXX XXXX XXXX Account Type Secured Loan Account Status Open Opened Date XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: Experian Information Solutions Inc.
State: DE
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 have reached out to Experian well over 90 days ago and they have failed to comply with the investigation I asked to to do on false misleading and 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 2020-08-07
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Dear CFPB Repr. The response providsed by Citibank is incorrect. Before making payment I called Cityibank and spoke with representitive who told me that first payment was going to be credited on XX/XX/XXXX instead of XX/XX/XXXX ( 2 days earlier ) and second, that payment was going to be applyed to the balance that was expiring on XX/XX/XXXX. Two weeks ago I spoke with Citibank in a regard to recording of my conversation and I was told that Citibank would proivide it but they have not so far. Recording of my conversation with Citibank will show that Reprsentitve mislead me and therefore payment was applied 2 days earlier. If representitve had not told me that payment was going to apply to other balance i would have waited 2 days and make payment later. Therefore, Citibank must provide recording of conversation to proof that there was no misleading. Please ask Citibank to provide recording. Thanks, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/2020 my Bank of America EDD account was fraudulently used to purchase items from a website called XXXX in a single transaction for the amount of {$6900.00} - I did not make this purchase nor did I authorize anyone to use my EDD Debit card to make this purchase. My debit card has been in my possession since the day I received it and I have not let anyone else use it. 

On the morning of XX/XX/2020 I noticed the transaction on my app and immediately called Bank of America to inform them. They noted my account that I was calling about a fraud claim and said I would have to make a claim with the claims dept and transferred me. I was on hold for over an hour and never connected. I proceeded to call back 3 more times that day, being on hold for over an hour each time. One time, after 1.5 hours of wait, I was actually connected but then immediately disconnected after a recording came on stating their call volume was too high and they were not able to take my call. I called back the next morning, XX/XX/XXXX and was able to get through making a claim of fraud on my EDD account. I was given a case number and I was told that I would receive a letter from the Claims department within 10 days. 

On this same day I also called the merchant XXXX and informed them of the fraud. They took my information and said their fraud department would contact me. I have not heard back from either company as of today, XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Problem after you declared or threatened to declare bankruptcy

Complaint:
I told Bank of America, of my pending class action suit after my cars engine locked on me, no fault of my mine own, and the car is deemed totaled unless I buy a new engine. Ive contacted BOF on many occasions over the months and never received any replies ... only my payment is due each month.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: CITIBANK, N.A.
State: MD
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: Card was charged for something you did not purchase with the card

Complaint:
to whom it may concern my credit card was used on fraudulent activity on XXXX XX/XX/2020 amount of XXXX dollars. it was over the internet transaction. the activity was attempt of XXXX first and it was denied and then second attempt of XXXX went through. i called the citi mater credit card company on XXXX XX/XX/2020 and they said it was pending and they were able to stop it and i should be able to have my money back 2-3 business days. on XX/XX/XXXX, they charged XXXX on my card. and they said their fraudulent investigation takes up to 90 days. 
i didn't get any text alert or phone alert to approve the transaction nor they didn't keep their promise.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
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: Credit inquiries on your report that you don't recognize

Complaint:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM 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 2020-07-27
Company: Experian Information Solutions Inc.
State: AR
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:
My identity has been compromised. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from 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 2018-05-02
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have an Chase credit card Visa Signature, Mileage Plus Awards. 

On XX/XX/XXXX I wrote a convenience check ( balance transfer check ) from my Chase Visa card for the amount of {$3400.00} and mailed it to XXXX XXXX. On XX/XX/XXXX Chase posted the payment, and listed that XXXX XXXX had cashed the check. 

XXXX XXXX have refused to credit the amount to my XXXX XXXX credit card. Chase supplied me with a copy of the check, front and back, but there is no endorsement information on it. XXXX XXXX has asked Chase to run a " trace '' on the check, but Chase have said they can't do that. 

Without more information from Chase, XXXX XXXX are not accepting responsibility for the lost amount, even though Chase has told them that XXXX XXXX cashed the check. 

On my last call with XXXX XXXX, they said that without more information from Chase, " We assume that some other party called XXXX XXXX cashed the check, but not us. '' It's absolutely ridiculous. 

Meanwhile I am being I owe both XXXX XXXX and Chase {$3400.00} each! Grand total {$6900.00}. 

I have spent hours making calls and explaining the situation over and over again. I have been on numerous calls with both banks, even conference calls with both banks at the same time. Chase assures me that XXXX XXXX took my money. XXXX XXXX keep asking me to ask Chase for more information. Chase tell me they have given me all the information they have. Meanwhile, I am caught in the middle. 

I don't know how else to resolve this, I need some urgent help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-18
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am one of the 142+ million Victims of Equifax 's botched/lax security standards. I have been waiting a week for them to send the email which will allow me to complete my enrollment in their offered " Protection '' Plan - called them today and call center simply states over and over that they are overloaded and to wait.
WAIT until someone steals my identity and ruins my hard earned Credit Score? WAIT until I pay multiple  other reporting agencies to freeze my credit? WAIT while their executives sell more stock and/or retire? Equifax knew of this breach for over a month, have still not notified me in writing, and have had plenty of time to staff-up to handle the fall-out. In the mean time, I 'm and 140+ million others are at risk of having a life ruined with identity theft!
DO SOMETHING to protect the public!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I declare under penalty of perjury ( under the laws of the United States if executed Outside of the United States ) that the foregoing is true and correct to the best of my knowledge Further I certify that I am permitted by Federal and State law to file this dispute I also understand that knowing and willful misstatements or omissions of material facts constitutes a Federal criminal violation punishable under 18 U.S. Code 1001 Additionally. These misstatements are punishable as perjury under 18 U.S. Code 1621. This collection found within my credit report are not related to any transaction that I made I am alleging that a person or company without my authorization used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have unauthorized inquiry on my credit report that I need removed. I have tried working this out with customer service with no resolution. I have attempted contact multiple times. I have notified company that I have been a victim of there inquiry issue. I wish to have these inquiry removed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: EQUIFAX, INC.
State: AR
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:
My identity has been compromised. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: AFNI INC.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Dear Sir or Madam : I am writing to dispute the following information in my file. I have enclosed the account statement of which I am referring to. 
This account is inaccurate and incomplete because : 1. On XX/XX/XXXX at XXXX XXXX a call was placed to XXXX XXXX at XXXX during which four employees of XXXX XXXX did confirm that the account was closed on XX/XX/XXXX. 
2. The system noted and was confirmed by four employees of XXXX XXXX ( XXXX, XXXX, XXXX and XXXX ) that the account holder did call on XX/XX/XXXX to pay the account. 
3. The system noted and was confirmed by XXXX of XXXX XXXX that the account was Written Off in XX/XX/XXXX. 
4. Four Customer Service Representatives ( XXXX, XXXX, XXXX and XXXX ) of XXXX XXXX confirmed that they had no record of the account after XX/XX/XXXX or any record of XXXX XXXX or the collection service company Anfi making contact with the borrower requesting payment of the account after XX/XX/XXXX, until now which is 18 months after the borrower called to pay the account. 
5. All 4 representatives stated that they could not view nor send the account holder any account history relating to this account and had no evidence in their system of contacting the borrower at any time about the account going to collections. 
6. When asked, Supervisor XXXX also refused to send a screen shot of the information that all 4 employees used to view the account when referencing that account. 

I am requesting that the item be removed from all credit reporting bureaus ; that XXXX XXXX and Anfi cease and desist any further action against this former account holder and to correct the information in their system and any information about this account with any affiliates so that this does not happen again. 
Enclosed are copies of the collection letter from Anfi dated XX/XX/XXXX supporting my position. Please reinvestigate these matters and delete the disputed item as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: Union Credit Corporation
State: GA
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:
THESE CREDIT INQUIRIES ARE UNAUTHORIZED AND NEED TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: Navient Solutions, LLC.
State: GA
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:
Navient-XXXX XXXXXXXX violated their lending practices and I would like to add my name to the pending law suit that has been established. I was told by my school XXXX University, which I attend the XXXX XXXX, to utilize XXXX which is now known as Navient. The school not only misadvise me as well as other students to take other classes that I and other student did not need to take which caused additional finances. During my studies, there where an advisor by the name of XXXX who had misadvise me and other students wrongfully which caused an extra money from the student loans awarded. Nevertheless ; I graduated in 2012 as a XXXX XXXX with a XXXX and due to the predatory lending and other unethical practice from XXXX XXXX, high interest, loan information changes and transfers which has been a disservices has yet to receive my degree from the school 's financial aid department. The school has had a hold on my degree for 5 years 3 months now. The unfair and predatory lending has also tarnish my credit report. After reviewing my credit report once again, the loans has been transferred to other companies, the status is unknown, missing and inaccurate reporting. Please help me and others remedy this solution so I am able to restore my credit and get my degree. I had to pay money directly to the financial office in Florida, I hope that I can get a full refund on money the excessive money that I had to spend out due to miss advisement, bad behavioral and illegal violations of the CFPB.

Company response to consumer: Closed with explanation