BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-04
Company: Performant Financial Corporation
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
My ex husband from a divorce 19 years ago, named XXXX XXXX XXXX, now deceased, has had obvious credit fraud against his social security number. 
Today a declined XXXX department store credit letter came to my address at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CO XXXX, in his name. Also, other harassing threatening calls from XXXX, stating I have a legal matter in the judicial district and they know what my license plate number is and my make and model of my vehicle. I believe this is happening because i reported discrepancies with the college loan lender servicing company : Performant Recovery Inc. located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX. It is my belief this company is using a retaliation tactic to cause harassment against me, now by using my DECEASED, ex husbands social security number to create more credit fraud. 
Please investigate this company, who had my ex husbands social security number, on loan documents from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CO XXXX. I had requested the loan be removed from collections with Performant  due to the death of the primary signer on XXXX Student loans that I co signed XXXX. XXXX death certificate was filed on XX/XX/2016, in XXXX County, Colorado, # XXXX. I am trying to get the credit bureaus to freeze his social security number, however, i have to send them all the death certificate and a form in the mail, they will not do this over the phone. 
Please investigate the tactics of these companies and the use of the client information systems.

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 2019-06-04
Company: Stuart-Lippman and Associates, Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This resulted from a Payroll dispute with a XXXX XXXX XXXX, in XXXX. 
I resigned from the agency in XXXX, and received my final paycheck. 
I was contacted by them 4 months later ( XXXX ) saying that I was paid too much, ( Overpaid ) and owed them {$340.00}. 
I disputed this with them, at the time, as my pay was correct and did not hear from them again. 
The agency that I worked for went out of business a short time later, and closed. 
Prior to closing, they sold this false debt claim to a collection company, ( Stuart Lippman & Associates XXXX XXXX XXXX XXXX # XXXX XXXX, Ariz XXXX XXXX ), who listed it on my credit report. 
I Disputed this Collection immediately with all 3 Credit reporting agencies. 
After investigating, XXXX and XXXX removed it from my record. XXXX  did not. 
They say they can't remove it, until Stuart Lippman & Associates retracts the claim. After seeing the numerous complaints on this  company from the XXXX, I avoided all contact with them. 
I have disputed this 3 times with XXXX, and just re-disputed it again. 

This act by XXXX XXXX was recently part of a CLASS ACTION Lawsuit against XXXX, of which I was a member, for their improper payroll practices to their employees. XXXX Settled that lawsuit, with thousands of their Agents, ( me included ). As a result, XXXX Paid me an additional {$420.00} in back pay owed to me, as settlement of the Class Action suit, in XXXX. 
Despite the settlement, Stuart Lippman & Associates kept the Collection on my file.

My original Agency can no longer be contacted, as they went out of business. 
This Erroneous/False collection claim has prevented me from making a major purchase, as it was the reason for my recent credit denial. 
I am seeking your assistance in removal of this from my record, as has already been done with the 2 other credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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. 

XXXX XXXX, account # XXXX, XXXX Mortgage, XXXX, account # XXXX, XXXX XXXX XXXX XXXX XXXX account XXXX XXXX, and XXXX XXXX Bank XXXX account XXXX XXXX have violated my rights. 

15 U.S.C 1681 section 602 A states that I have a right to privacy, additionally ; 15 U.S.C 1681 section 604 ( a ), ( 2 ) states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. section 605 ( a ) ( 5 ) 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 XXXX years. 

15 U.S.C. 1681s-2 section 623 ( 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 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 2023-05-17
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have asked this debt collector to verify and validate this debt on XX/XX/2023 Under 15 USC 1692g. Validation of debts and to this date they have not provided any correspondence regarding this debt. I have never done any business with this company and I have no knowledge of the accounts they have listed on my credit report. I would like for this account to be deleted from my credit report as this has become a hinderance for me.

Under 15 USC 1692g. Validation of debts

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
There is information on my reports which are causing financial harm to me and my family. These accounts are never late & I have sent out dispute to each of the three Credit Bureaus in an attempt to receive update of the following items. 

XXXX Account number : 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 2019-09-10
Company: PNC Bank N.A.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Last night on XX/XX/19 I went to the gas station to get gas, PNC overdrew my account while getting gas because the systems werent correctly updated with my funds. I checked my online account at midnight on XX/XX/19 to see if there was a negative balance since I knew it let my account get possibly overdrawn to XXXX, instead of stopping the gas pump like it usually does. This morning when I looking at my account there was a small negative balance + {$36.00} overdraft fee. 

PNC systems never update ( on their online or mobile systems ), so it doesnt show your correct available funds, leading to and overdraw of one time debit card payments when not authorized to do so.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-10
Company: HYUNDAI CAPITAL AMERICA
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I tried to pay off my loan through Hyundai Finance on XX/XX/XXXX. Hyundai sent me an email on XX/XX/XXXX to tell me that the payment did not process through my bank due to some error in the routing or account number. At that time they also imposed a {$30.00} NSF fee. 
I then called Hyundai Finance customer service and spoke to " XXXX '' who said that he would waive the fee if I paid off the loan including the fee, through him that day. I did and when I asked how the waived fee would be refunded he told me that it would come in the form of a check via US mail. 
After waiting until XX/XX/XXXX and after receiving the clear title in the mail, I called Hyundai Finance again to as when I could expect the check. I Spoke to another " XXXX '' who told me that the refund shows up in the account, but it's " just sitting there. '' He then attempted to transfer me to a manager to verify when the check could be cleared and sent. Unfortunately, my call was NOT transferred ; I was disconnected. I waited a few minutes to see if anyone would call me back but no one did. I called them back and was connected to " XXXX. '' After explaining my dilemma, she put me on hold to check into it. XXXX also said the refund was " sitting there, '' but couldn't process due to the loan being closed. She then said she would send an email to the payment processing department asking them to take care of it and also for them to contact me to advise the status. 
Nothing was done and no one called or emailed me as of today so I called once again and asked to speak to a manager and was transferred to " XXXX '' who asked me to explain the issue again even though he said he had the history pulled up. I did so and his response was that they simply don't send refunds after the account is closed. The conversation ended with my telling him that my next contact would then be Consumer Financial Protection Bureau and him saying " fine. ''

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 2023-02-13
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: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2019-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 have filed a dispute x2 with TransUnion regarding a Dept of Education loan that was paid in XX/XX/XXXX for {$840.00}. I have submitted a letter to them ( TransUnion ) showing a XXXX   Balance and they still refuse to correct the information and update my credit report and score. XXXX has. I started this at the beginning of XX/XX/XXXX. I just spoke to XXXX a supervisor yesterday who informed me the case was closed and it remains on my credit report. I need this information updated and TransUnion is not assisting me at all despite Dept of Education stating its a XXXX balance, XXXX removing it and a letter from Dept of Education to myself stating a XXXX balance. XXXX was rude indignant and basically told me to XXXX XXXX. HELP! Im trying to buy my first home and this is one thing preventing me from that. 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 2021-04-12
Company: SYNCHRONY FINANCIAL
State: TX
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:
Synchrony bank issuer of Ashley furniture credit card. On XX/XX/XXXX I called and asked politely if they would do a pay for deletion of a late payment showing up for XX/XX/XXXX. During the phone call I stated at least 10times that I was not disputing it was late I was just asking nicely if they could take it off. I explained that I am in the process of buying a home and you can not get a home if you dispute items on credit report. The manager XXXX made it sound like there wasnt much she could do but would ask the credit reporting company to please take off late payment. Not only did they list it as a dispute when I told them not to they also reported XX/XX/XXXX as late even though a payment arrangement had been agreed upon. So my family is now homeless and we are unable to get a home. After seeing what they did I tried to call them on XX/XX/XXXX to have them fix the issue but every time I ask to speak with manager they hung up on me. I really feel like because they got their money they could care less about actually being helpful.

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 2020-07-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I wrote a dispute notice to Portfolio Recovery Associates, asking them to validate a debt that they alleged I owe. They did not validate nor send proof of an original signed contract with the wet ink signature. I sent them the notice dated XX/XX/2020 via USPS Certified Mail Number XXXX. In which they received it on XX/XX/XXXX According to the USPS website at XXXX. They did not remove it from ALL of my credit files. It is causing me great financial injury and it's causing me to have difficulty acquiring credit. The account number for the alleged debt is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: OneMain Finance Corporation
State: OR
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I applied for an unsecured personal loan on XX/XX/XXXX. I was pre-approved for a {$1500.00} unsecured loan or a {$6000.00} secured loan if I used my car as collateral. I chose the unsecured loan personal loan for {$1500.00} and I submitted my financial information. I spoke to XXXX at the XXXX, OR branch on XX/XX/XXXX and she stated that they needed my vehicle registration or at the very least they needed the VIN to proceed with an unsecured personal loan since I have an auto loan listed on my credit report. I asked for documentation and why this was necessary for an unsecured personal loan and her was response was, " well I told you that you needed to provide your cars registration proceed in the first conversation. '' So there is no real explanation to why this lender wants a customers vehicle registration for an unsecured personal loan that doesn't require collateral except for there to making up there own rules. I'm filing a dispute to have the hard inquiry removed and filing a complaint with CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: EQUIFAX, INC.
State: IL
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:
Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04
Company: ALLY FINANCIAL INC.
State: MI
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 requested documentation supporting late payments on my credit report and have the lender has not responded or removed the late payments

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 2023-06-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My check was stolen and improperly accepted for deposit by Bank of America. The check was made out to XXXXXXXX XXXX. Bank of America accepted the check even though it was signed by XXXX XXXX. My bank, XXXX, has been trying to obtain my funds since XXXX but Bank of America will not respond. I tried contacting Bank of America but it will not respond to me. My rent has been outstanding for almost five months now and no one can tell me when I will get my funds because Bank of America will not respond. Bank of America needs to respond.

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 2020-12-14
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: Information belongs to someone else

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2021-06-21
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: Credit inquiries on your report that you don't recognize

Complaint:
I got an email with a credit card offer from XXXX XXXXXXXX saying I was preapproved, and when I went to the site, When I applied, I got an alert on my credit that it was XXXX XXXX XXXX and not XXXXXXXX XXXXXXXX and immediately called the company telling them it was false advertising, and that I did not need a card that was for people establishing credit as I already have great credit with established credit. I told them they need to take off the inquiry as it was advertised on my email as XXXX XXXX. They said I needed to call Experian to get it off, and when I called Experian, they said I need to call XXXX XXXX XXXX. I need this hard inquiry off of my credit immediately because of them acting like it was a 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 2020-11-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I was informed on XXXX XXXX that our checking and savings account will be closed for undisclosed reason. I contacted the Risk Department who's holding the fund also did not provide any valid reason when asked why the account is being closed and was advised to open a different account so I can transfer the funds. When I met the local branch representative within an hour of contacting the Risk office and provided the information, she contacted the same office ( Risk ) and received a different procedure, stating that I can not open an account and transfer the money. It has been 2 weeks that Bank of America is holding the funds from releasing even after I was advised by the customer services that I can go to the local branch and withdraw my money. I don't understand why the bank is holding up the release of funds if they want to close the account? The bank is arbitrarily treated us like criminals and will not allow us to access the funds. We do not have any liabilities toward the bank. I want to know why they suddenly tried to close our account and not let us access the fund. We do not have extra funds to pay for utilities and other creditors. The bank 's response was inconsistent and the customer is getting two different answers depending on who's contacting the same office.

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