BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-16
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Re:Commonwealth Financial SystemsXXXX XXXX XXXX.XXXX XXXX, PA. XXXXXXXXThey have violated the Fair Debt Collection Practices Act and the Fair Debt Reporting Act and from what they told me, this is their standard business practice. I received my first notice from Commonwealth Financial Systems on or around XX/XX/2019. The letter is dated XX/XX/2019. The letter states that I have 30 days to dispute the debt and if they do not hear from me within that time, then the debt is considered valid. Well, they reported it to my credit report on XX/XX/2019 without ever giving me 30 days to dispute the debt. They have reported debt to my credit report that they have not validated. I called their office and spoke to the supervisor XXXX XXXX, and she said they report it to the credit bureau within 30 days from the time they receive the debt. This is their standard practice. She said they received the debt XX/XX/2019. I would have no way of knowing this without them mailing me a notice, which they did not bother to send until XX/XX/2019. They are reporting debt that they have stated they do not even know if it's valid. I do not even know what this debt is. She said she would remove it from my credit report for the next 30-45 days as they are working on validating the debt. They are only supposed to be reporting the debt after the consumer has been given written notice and a chance to dispute the debt. The fact that this is their standard business practice is appalling. Please look into this company. Thank you,XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: CREDIT ACCEPTANCE CORPORATION
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, XXXX, XXXX XXXX add a hard inquiries on my credit reports per XXXX  and XXXX. On XXXX XXXX, XXXX, CREDIT ACCEPT CORP/CAC add a hard inquiries on my credit reports per XXXX  and XXXX. On XXXX XXXX, XXXX, XXXX add a hard inquiry on my credit report per XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2020-05-18
Company: The Bureaus, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
THE BUREAUS INC, XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX Is aggressively attempting to collect on the debt that is not mine ... Numerous attempts to request validation of this debt from them went ignored. Yet they are reporting this to all 3 CRAs on monthly basis further damaging my credit. They claim to be collecting from or on behalf of Original creditor XXXX XXXX XXXX XXXX whom I don't recognize and the original creditor is NOT reporting on my credit report. 
Few letters came undeliverable that were address to The bureaus inc, to the address reported to credit bureaus ( see attached evidence ) I find this account being erroneous, illegal and in violation of FCRA rules and regulations

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
In XX/XX/XXXX/XX/XX/XXXX of this year, I realized I could not pay the full amounts on the payments for my student loans. I applied for a PAYE arrangement and it seemed that it was granted, but the past-due balance was not updated or changed to reflect my new arrangements. I have been making monthly payments; the most that I can afford, but now I'm told that my account is delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
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 received a call on XXXX when this pandemic started from a bank of America representative stating that I had a payment due of my deposit secure credit card of XXXX and I went into an agreement with her letting her know that I was gon na pay the whole amount when I got the taxes during the same week I opened that account in 2018 I tried to call the bank several times so I could pay but when I called they said they were closed they said there wasn't any representative and there were machines answering or hanging calls and I couldn't log into my online account because it was closed, I received two calls from ID callers but nobody answered or there were only machines talking, my work is for driving i had to take my time off from my job to have the Time to fix this situation I found that the bank didn't have my address updated the lady just updated today XX/XX/XXXX at XXXX XXXX an i haven get any statement since XXXX i wasn't updated about my account so i called today and spent 3 hours they were connecting me with the recovery department and i had a conversation with XXXX XXXX about XXXX XXXX and i found that they were already closed my account and they had taken my secured money to closed that account without letting me know on XX/XX/XXXX and reported me in my credit report as a bad debt canceled by credit grantor i asked to the lady to reopened again an that i was going to pay the whole amount with my checking account and she denied it to reopened it and on top of that i have a standing balance of {$250.00} and they are charging me interest rates so my conclusion is they are taking advantage about the coronavirus situation to the customers doing things they aren't suppose ti do it with out consent of the customers they put you in hard situations just to pay and they are denying responsibilities their representatives are lying and taking advantages about the language of the customers my language is XXXX but only English representatives calling me or no XXXX representatives ara available

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 2020-05-18
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:
I had my credit ran today XX/XX/20 because I'm in the process of buying a house however, I was told that I would not qualify for a home loan due to having accounts with negative history appearing on my credit. I wasn't aware that these accounts were on my credit report because I didn't open any of them. The accounts are from these companies. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX & XXXX. I do not have any written or verbal contract with any of these companies nor did I ever allow them to access my credit. I did not gain anything from these accounts that were opened in my name without my permission and I did not make any payments towards any of these accounts. I have filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts.

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 2018-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have an account with XXXX XXXX that I disputed due to incorrect reporting. Since the dispute XXXX has proved my calculations to be incorrect. I since then accepted their response and am no longer disagreeing with their reporting and am no longer disputing their response. 

I am not in dispute with 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 non-monetary relief
Consumer complaint received 2020-05-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
I filed a complaint with CFPB abount one month ago. The complaint was that my wife has a capital one savor account that she uses to pay a household bills. She ordered a card for me for shopping. I did not sign anything, the account is under her SS number. After filing a complaint the reporting of this account was removed from my credit report. one month later it is back on my report. All I get from capital one is lip service and lies. If the CFPB can not fine capital one, please advise. My next step is to have my lawyer file a lawsuit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-08
Company: Bastion Consumer Funding I, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
Original Creditor is : Bastion Funding, then transfered to XXXX XXXX XXXX. The payday loan is balance credit and they are killing me with high rates and fees. I am struggling monthly to payoff the loan and I can no longer afford to due to loss of job. I took out a loan for {$400.00} and they are asking me to payup {$2000.00} ( according to the information provided to me by the collection agency-National Credit Adjusters ). I do n't know what to do at this point because I want to pay it but it 's too much for me to handle.

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 2020-05-18
Company: CITIBANK, N.A.
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: Account status incorrect

Complaint:
I looked at my credit report in XXXX of 2020 and notice that there was a hard pull on my credit report from SHELL/CITIBANK, NA. On XX/XX/2020, I sent them a letter to the address that they provide on the credit report ( XXXX XXXX XXXX, XXXX, DE XXXX ). The USPS returned it with a yellow sticker that said " Not deliverable as addressed ''. I have also tried calling them and I can't get past the automated system because I don't have an account with them. I can not speak to a live person. I did not authorize this inquiry and it needs to be removed. I tried disputing it back in XXXX, 2020 and my attempt failed due to inaccurate information that SHELL/CITIBANK, NA is providing for people to dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: TRUIST FINANCIAL CORPORATION
State: PA
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:
I recently checked my credit report and noticed several late payments from SUNTRUST BK. I reached out to the creditor to request a goodwill forgiveness.

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 2021-03-27
Company: Experian Information Solutions Inc.
State: OH
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:
The following accounts listed are fraud and I never did any business with these companies OR contracts : XXXX BANK 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, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX. OF XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX COMPAN # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXXXXXX XXXX XXXX XXXX XXXX # XXXX, OXXXX XXXX XXXX # XXXX, XXXXXXXX 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 2018-02-26
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have an account with XXXX XXXX that I disputed due to incorrect reporting. Since the dispute XXXX has proved my calculations to be incorrect. I since then accepted their response and am no longer disagreeing with their reporting and am no longer disputing their response. 

I am not in dispute with 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 non-monetary relief
Consumer complaint received 2019-08-16
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My husband and I both did credit freezes with all three major credit companies in 2017 when the breach happened.  We are applying for a refinance of our home and needed to unfreeze our credit for the application.  With XXXX and XXXX  we had absolutely no problems and it took 2 minutes maximum per company.  With Equifax, however, we've had major issues. We both have the pins that were sent to us when we first did the freeze in 2017.  When we went to log online, the website was confusing and I went first with my attempt to unfreeze and was told to set up and use Lock and Alert instead.  It was pretty easy to sign up for an account and I was able to unlock it.  When my husband went to do it however, it said he had no MyEquifax account nor a Lock and Alert Account. He signed up for both but got a message saying that he wasn't able to proceed because of verification issues and they'd either send a pin via postal mail which could take up to 21 days or he could call a customer service number. We needed to unfreeze the account today so he called. He went through the whole verification process with the person on the phone and then was told, after spending 20 minutes on the phone, that he would have to be transferred to someone else. He had to then repeat all the same information and they were able to lift the freeze over the phone but said that there was a problem wtih the website and he couldn't log in for 24 hours.  He asked to speak to a supervisor, was put on hold and then disconnected.  He called back again and spoke to someone who took his information and then transferred him to another agent. He had to again repeat all the same information (after being told that he wouldn't have to and the agent would relay all of it).  Finally they were able to grant him access to MyEquifax, but he was told that they couldn't get him logged into the Lock and Alert because it was a different product and they'd have to transfer him.  The agent said he would personally call to make sure it was transferred.  The agent came back on and said that he tried calling that number himself and for some reason it wasn't going through but that my husband should call himself. The number he gave him was the very first number that my husband called that started this whole debacle. When he told him that, he again put my husband on hold, went to another supervisor and got a different number.  He hasn't tried calling this new number yet because it's already been 2 1/2 hours, but this is a huge issue with Equifax and a huge complaint.  Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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 a loan with CAPITAL ONE, XXXX, and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX CAPITAL ONE, XXXX, and XXXX   with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: Fidelity National Information Services, Inc. (FNIS)
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I had an account that went into overdraft with XXXX XXXX XXXX XXXX  back in XXXX. Due to the COVID XXXX home restrictions, I was unable to go into the bank to make a deposit. Once I did - they stated they could not accept my deposit. I never heard back from them nor did they send anything about the account being in the negative via mail. No notification or anything. I applied for a new account with my credit union and they said I was reported to Chexsystems by 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 2019-08-16
Company: PNC Bank N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, I saw that I no available funds in my PNC checking account.  I contacted the bank 5 times using their 800 number for an explanation.  The call center representatives refused to provide an explanation.  My husband and I went to a branch location.  The branch representative also contacted the call center.  He was told that the account was on Hold and the person that had place the account on hold as not in.  No other information was provided to the branch representative.  I called my attorney will sitting in the branch office.  My attorney told me to have the Branch representative contact PNC's legal department.  I asked for PNC's legal departments number and the representative would not provide it.  My husband and I left the branch.  While driving home, we received a call from the PNC branch representative.  He stated that the account had been placed on hold due to individual, posing as my husband, had visited a local branch and had tried to access our checking account.  The branch representative told us that the individual could not say our last name.  No additional information has been provided regarding this incident.  We returned to the branch and the branch manager was finally to get our account off hold and moved to a new account. While we were at the bank, we found out a XXXX check had been written.  It did not clear the closed account.  We were not provided with any details about the check.  We left the bank at XXXX XXXX  that night.  Despite my husband's identity theft, the call center has not provided any additional information.  We need to know exactly what happened and a copy of the XXXX check.  We have filed a police report.  The call center at PNC bank needs to be closed.  The branch did help us but they don't have information about the incident.  PNC's horrible call center needs to cooperate with the police.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Account status incorrect

Complaint:
Despite an account being closed for over a decade, Bank of America is reporting a CURRENT foreclosure for the month of XX/XX/XXXX on my credit reports at the XXXX, XXXX and XXXX consumer reporting agencies. Said entry - under account number XXXX - had a negative date of last activity of XX/XX/XXXX. When disputed to the credit reporting agencies, the account was not deleted, but updated to a CURRENT foreclosure status, severely impacting my credit worthiness. The negative account is over ten years old and must be removed from 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 2020-05-18
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:
I had my credit ran today XX/XX/20 because I'm in the process of buying a house however, I was told that I would not qualify for a home loan due to having accounts with negative history appearing on my credit. I wasn't aware that these accounts were on my credit report because I didn't open any of them. The accounts are from these companies. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX & XXXX. I do not have any written or verbal contract with any of these companies nor did I ever allow them to access my credit. I did not gain anything from these accounts that were opened in my name without my permission and I did not make any payments towards any of these accounts. I have filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: Dakota Financial, LLC
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: Reporting company used your report improperly

Complaint:
I never agreed to this company reporting on my credit profile. Under 15 usc 1681b It's my right to opt out.

Company response to consumer: Closed with explanation