BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-01
Company: TRUIST FINANCIAL CORPORATION
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: Investigation took more than 30 days

Complaint:
I have several loans that i borrowed back in XXXX  while in college, right now all of my loans have been consolidated and out of default. i contacted the dept of education and they have already worked with me to get those loans consolidated and i have applied for the income driven repayment plan that will allow me to make monthly payments after the COVID pandemic. i am working with a credit fixing agency and it is taking them longer to remove those negative items out of my report and my credit score remains the same. i am reaching out to see if you are able to fix this issue. Thanks.

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 2018-06-21
Company: Waypoint Resource Group, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX of 2017, I have made several attempt to cancel my XXXX plan. I had to file a complaint with XXXX because CS was horrible and refused to cancel my services.They wanted me to cable boxes with me when I moved to North Carolina. Unfortunately, there was no XXXX available in my new area! After complaint was filled with XXXX, I received a call from a male who had apologized for my experience and decided to have someone on the last day of move to pick up boxes. Plus, was told they will credit my account. I never received a bill after that but was notified by my Collection agency XXXX XXXX with a balance of {$320.00}. Sometime in XXXX, I immediately called XXXX XXXX for removal and updated bill. They stated they never had my new address and that is the reason why a bill was not sent to me. The collection was dropped and new address was given to them. As of XXXX I did not receive any notification but have seen new collection with Waypoint for XXXX. Even though the collection amount was wrong, I decided to pay it off and continue to work with XXXX for refund. FINALY, I have received refund and have send to all credit bureaus, XXXX, XXXX and XXXX for removal of inaccurate collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been calling and calling Equifax explaining that the account from XXXX XXXX XXXX does not belong to me. I have never done any type of business with them and have no clue how they got access to my information. Please delete this account and the inquires on the identity theft report. Someone has accessed my personal information and keep trying to open accounts and I don't understand how!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: Receivables Performance Management, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To whom it may concern, My Step daughter XXXX XXXX was allowed by a franchised location of XXXX to purchase a new phone under my plan without my consent. For months I was forced to pay the premium insurance charges on my account in addition to the phone line. We I called XXXX and explained the situation they agreed to get that line and the phone out of my name. When the next month came, I noticed the phone was still on my bill. I called to complain and I was informed they could not and would not remove the phone from my name. I decided to move to XXXX. I tried to return the phone however XXXX refused to take the phone back. XXXX would have only help me pay the balance off if there was a number attached to the phone that I was moving to XXXX. Obviously that was not the case. I was not going to allow my step-daughter to have another line under my name. This balance is not my responsibility. I never signed for the phone and I was told it would be removed from my name. Please delete this from my credit.

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 2018-08-14
Company: HW Holding, Inc
State: ME
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hunter Warfield XXXX XXXX XXXX, XXXX, FL XXXX, ( XXXX ) XXXX Alleged Balance Owed : {$4100.00} Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX

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 2018-08-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
XX/XX/XXXX, ~XXXX PST - went into Bank of America branch ( XXXX XXXX XXXX , CA ) to get added to my wife 's existing Bank of America checking/savings account. 
My profile was set up under her account, however when the teller went to " join '' me to my wife 's existing account, a Risk Flag popped only providing the limited information that Bank of America has flagged me as having a prior charged off account and I am not able to have any accounts with Bank of America.

This is concerning as I have never had any relationship with Bank of America,  nor have I had any charged off accounts anywhere else. My first thought is this could either be a result of identity fraud ( recently out of the XXXX so my SSN is at higher risk for being exposed ) or a mixed file at Bank of America as my name is very common ( I've had previous issues of mixed files with the CRAs ). 

As next steps I have done the following to try and understand what information the bank is seeing that may be causing this risk flag on my name. 
- XX/XX/XXXX - XXXX Pulled all three consumer bureaus from XXXX to check to see if anything fraudulent or derogatory was showing up on any of my bureaus. I have a clean credit report, higher than average score and never had any issues getting loans or credit elsewhere. 
- XX/XX/XXXX - XXXX PST Called into BOfA Fraud number - spoke to agent for 15 minutes ; agent suggested calling the XXXX that BofA uses for Charge Offs/bad debt as well as the Credit Card charged off group and provided multiple phone numbers. 
- XX/XX/XXXX - XXXX CST Called XXXX , spoke to agent and a supervisor for 35 minutes. XXXX has no record of me in their database. Said they would send the XXXX report via postal mail. 
- XX/XX/XXXX - XXXX PST Called BofA checking/savings group and spoke to an agent for 10 minutes. Recommended 3 additional phone numbers to try and call ( Recovery Services - XXXX, Risk Acct Closure - XXXX, Credit Cards - XXXX ). 
- XX/XX/XXXX - XXXX PST - attempted to call general BofA line to attempt to get some sort of escalation or to another group. Spoke to an agent for 8 minutes and was given yet another phone number for Risk Acct Closure. 
- XX/XX/XXXX - XXXX PST - called Risk Acct Closure group to yet no avail. Spoke to that agent for 9 minutes and wouldn't you know, that agent recommended I call the Fraud group ( the first group I called back on XX/XX/XXXX ). 

All I want to understand is what is causing this " high risk '' flag on my profile that's keeping me from having an account at Bank of America. I'd like the opportunity to clear my name so that this doesn't potentially cause any future issues in the instance of a mortgage or car loan. Bank of America keeps sending me in circles and won't help me so I'm filing this complaint.

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 2018-02-25
Company: CORELOGIC INC
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:
Corelogic Credco did not have my authorization to pull my credit report. The inquiry made by Corelogic Credco on XX/XX/16 has been in dispute for unauthorization of pulling my credit reports. I have been disputing them for the last three months. I have disputed with the credit bureaus. During this period, I have yet to get a response in the mail. I have sent certified letters with return receipts proving they accepted the mail. Again, they have yet to respond with written or oral proof of my authorizations. The listed unverified inquiry has been proven invalid. This business can not provide an original signed agreement or oral recording of my consent giving authorization for them to pull my credit report. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete. Please help me to get this business to delete the inaccurate and unverifiable inquiry from my credit reports immediately.

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 2018-06-21
Company: Westlake Services, LLC
State: NJ
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:
West lake financia had this item on my credit report as inaccurate. I have been disputung this item on my credit for 3 years now and they will not remove this negative item as not being my account. I have never purchased a vehicle using this company. The information that was presented was not my signature, address or do they have a copy of my license being submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25
Company: Allied Collection Services, Inc. (Nevada)
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I looked up my credit report on XXXX XXXX, saying that i owe {$50.00} to XXXX med center through Allied Collection Service. Not sure what this charge even is, the date goes all the way back to 2013! There is a hard hit on my credit for something i know nothing about and i just want it removed.I am willing to a pay a portion of it but not if they are just going to take the usual {$10.00} off because i feel that i do not even owe this money. I have received no information on this and have no idea what it is for and if its even mine. I know this company wants to get paid so they need to work with my needs not theirs. Statue of limitations in Nevada is 4 years, this needs to be removed from my credit once and for all.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: USCB, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was a victim of fraud on XX/XX/2021. 
I just so happened to check my Bank of America account and found that XXXX $ were fraudulent taken from my account via various purchases. I reported this to my bank within hours of the transactions being made only to be met with questionable customer service. I was told that an investigation would ensue and that my account would be frozen until the dispute was investigated. I reported this issue so fast that the fund were still in the processing stage. They were still in processing when I was told that my account would be frozen while the dispute is being handled. Today I received a letter informing me that my claim had been denied due to the fact that my information was obtained via a phishing scam through XXXX. This is very unfortunate as that money is all that I had to my name being that I have just relocated to another state. I am completely dumbfounded as to how I was never contacted to verify thousands of dollars worth of transactions that greatly exceeded my daily limit. I am constantly contacted by fraud prevention services over the smallest amount of purchases but I was never contacted to verify obvious fraudulent purchases of over thousands of dollars.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-14
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Opened account in mid XXXX. Deposited XXXX on XX/XX/XXXX. Promised {$400.00} if I deposit for 60 days. Now they are saying I didn't deposit by the XX/XX/XXXX deadline. I reached out on XX/XX/XXXX, and I received a response on XX/XX/XXXX saying that they will not honor the promotion.

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 2018-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name.

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 2018-08-14
Company: Solomon and Solomon, P.C.
State: ME
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Solomon & Solomon PC XXXX XXXX XXXX XXXX NY XXXX Tel : XXXX Alleged Balance Owed : {$460.00} Original Creditor : 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 2018-08-14
Company: Experian Information Solutions Inc.
State: NY
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:
After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name.

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 2021-01-22
Company: ERC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I paid this account nearly two years ago, and when I did I was told by Enhanced Recovery Company 's agent it would be deleted from my credit reports in 2 months. This account is continuing to report on my credit despite the false promise that they would delete the accounts after resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-14
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have had repeated problems with XXXX  XXXX giving inconsistent information in the five years I have been working with them on repaying my substantial student debt. 

To start, I am a XXXX and have been diligent in making payments since finishing my training. 

The latest example of trouble came this summer when, in XXXX, I was sent a note askng for me to recertify my income that had the following phrasing : " If we do not receive your completed application and all supporting documentation within 10 days of XX/XX/2018, your monthly payment is estimated to be XXXX, first due on XX/XX/2018. '' I completed these requirements at my first convenience, thinking XX/XX/2018 marked a deadline, not a target. 

I received a note in XXXX stating that my application was denied because I had applied too soon. I mentioned that I only did what I thought I was being asked, but I was told not to recertify until the fall. 

Come XXXX, I see that my month payment jumped up to the XXXX level mentioned in the XXXX note, suggesting that my income driven repayment plan must have lapsed. I called back in early XXXX to better understand what happened, and I was told there was a mixup in dates, that the paperwork I sent in XXXX would be used to recertify my income and recalculate my monthly payment, and that I did not have to worry about the XXXX payment because they could not review and recalculate in time for an XX/XX/2018 payment. 

I see today ( XX/XX/2018 ) that my account is listed as delinquent. I call back, and a condescending agent suggested it was my fault all along because I sent my paperwork shortly after they requested it, and not specifically around the time of XX/XX/2018. I explained how no reasonable reader of that original letter would suspect they had to time the arrival of the paperwork for the deadline, and that I was essentially being punished for sending in paperwork shortly after asked. 

Fundamentally, I am trying to do the right thing by keeping up with payments and the requisite paperwork. The operational inconsistency from the agents not only undermines confidence but leads to unfair labeling of my account that can have negative credit ramifications and delays in payments while interest continues to accrue. 

I check my balance at least weekly and keep up on this ; I can only imagine what happens to those without the time or curiosity to keep XXXX  XXXX  honest.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
I recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA and the FDCPA, it should be removed. However, I have sent in continuous dispute letters obtaining all information needed to remove this inquiry. This inquiry is effecting my chances of establishing a great history with the current company and keeping me in financial hardship. The name of the inquiry is XXXX XXXX. The inquiry date is XX/XX/2018. The bureau reporting is XXXX, XXXX, and TransUnion. 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 non-monetary relief
Consumer complaint received 2020-08-01
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

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 2021-06-24
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

Company response to consumer: Closed with explanation