BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-29
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
After reading about the XXXX XXXX scandal involving adding insurance to auto loans that duplicates personal coverage I decided to take a closer look at my Huntington Bank auto loan and confirmed the same " Single Interest Insurance '' charge of {$40.00} on my loan which was originated at the XXXX XXXX dealership. This was added despite my showing proof of insurance at the time of vehicle purchase and adding Huntington as a Lien Holder on the policy per dealer instructions. The vehicle has been continually insured with collision and comprehensive coverage since the time of purchase and I have records confirming such ( see attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29
Company: BTH Management
State: MD
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I noticed on my credit report that there is a collection account from Plaza Services in the amount of {$1200.00}. The account was opened on XXXX-2016. I have never had an account or contract with Plaza Services. I get several calls and text per day stating that I need to pay this account or I will be taken to court and sued. Also received a call from a lady stating that she would be sending someone to my job with litigation papers. I have told Plaza Servies several times that I do not have an account or contract with them and asked that they remove the information from my credit report and stop contacting me. To date they are still reporting and still contacting me daily.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
While reviewing my XXXX credit report, I noticed a collection account listed as XXXX  XXXX, ACCT # XXXX. I have no knowledge of this company or this account. I DO NOT or have NEVER had a contract with XXXX XXXX. I am not liable for this collection. I am requesting that this debt be verified and validated as a legitimate date. I would like physical proof of this, including a signed contract containing my signature, or It needs to be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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: Was not notified of investigation status or results

Complaint:
I disputed with Transunion on XX/XX/2021 via their online portal and I wrote and mailed a letter to Transunion on XX/XX/2021 letting them know that they were inaccurately reporting information regarding 15 accounts that they listed under my name and providing information about the inaccurate accounts. Accounts : 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 XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX I received a letter from them XXXX XXXX stating that they needed additional time to process the dispute and that it would be done by XX/XX/2021. I did not receive a response from them. On XX/XX/2021, I sent another letter asking them to remove the accounts as per the FCRA, they have 30 days to reply and even with the additional time they requested, my dispute still had received no response. My request asking them to remove the accounts due to them failing to comply with the FCRA and correct the matter and mail me a response was delivered to them on XX/XX/2021. I have not received any additional information regarding this dispute or my follow-up stating I had not received any information from them regarding this matter and that I wanted the accounts removed.

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 2022-01-15
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: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I reported unauthorized use of my card and account bank of america did not see any unusual activity closed my claim. few weeks later they froze my account due to unusual activity on my account. i called and reopened my claim gave them the police report case number. i then received a letter stating they had closed my claim again

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 2017-09-13
Company: EQUIFAX, INC.
State: MN
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:
It is unjust that 3 businesses can have access to such personal and potentially damaging information such as my Social Security Number, and be so careless with the security of these sensitive materials. Even more unjust is that in the wake of their negligence, we the consumer, must pay $ XXXX {$10.00} simply to institute a credit freeze, which at this point is a syringe of water to extinguish the forest fire that is our lack of adequate protections. 

If a credit freeze is my only option in the wake of these companies ' negligence to properly secure our information, then it should at least be free.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06
Company: Convergent Resources, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a collection bill via a collection agency called XXXX XXXX XXXX XXXX . They claim I owe {$250.00} to XXXX as of XXXX/XXXX/XXXX. However, I do not have a XXXX account. The bill itself looks sketchy. 

The bill says to send payments to this address : XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, WA. XXXX The return address on the envelope is different. it is : 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 2022-01-15
Company: SYNCHRONY FINANCIAL
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
I was served by the court in XXXX of XXXX for a debt that XXXX XXXX services says that I owe. I had a mediation with them about the debt in XXXX of XXXX and have disputed this debt plenty of times from my credit report in previous years saying that this account did not belong to me. The original company was Synchrony Bank. XXXX only sent me copies of statements that listed my previous address in which I do not live there anymore. They told me that the account was charged off in XXXX or XXXX of XXXX. They only provided 2 statements that had my previous address on it showing that I made a payment of 75.00 in XXXX of XXXX. I went back to my bank statements of that year and there is no record of any such payments. The man from XXXX says that its burden of proof because they have my name and an address that I used to live at. I asked for an original contract that shows where I signed for this debt and he told me that they didnt have to provide that and that they have everything they needed to proceed to take me to court. I dont even know the original date that this account has supposedly originated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: Experian Information Solutions Inc.
State: FL
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-01-15
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2022 I had got a email from synchrony Bank that they close my account with brandsmart and my rooms to go and sams card I called them and ask them I notice since the covid came around that you guys just go close a person account.and hurt my credit. With my brandsmart card they gave me a limited of 3 500 amout I only use some and am still paying bank on what I purchase. They go take the rest of the money and put my limited to what I owe causing to hurt my credit.and then when I got a default for a loan they going go back and close my account. And closing 2other credit cards that I had causing my ratio to drop I pay my payments on times every month and synchrony just mess my credit up complete. How you going wait to I had a issues and then take my,, Credit limited to what I owe its not fair at all causing my credit to drop and ratio.

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 2017-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
While reviewing my XXXX credit report, I noticed a collection account listed as XXXX  XXXX, ACCT # XXXX. I have no knowledge of this company or this account. I DO NOT or have NEVER had a contract with XXXX XXXX. I am not liable for this collection. I am requesting that this debt be verified and validated as a legitimate date. I would like physical proof of this, including a signed contract containing my signature, or It needs to be deleted 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 2017-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
These two accounts listed below are not mines and should have been deleted months ago. I have filed complaints with both companies as well as with the attorney general of Florida and Washington. I was also not notified in writing of debt prior to posting to credit report. XXXX XXXX XXXX In Opened XX/XX/XXXX {$53.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$5900.00} Original creditor : XXXX XXXX XXXX  This account is more than 7 years old and should have been deleted. XXXX XXXX XXXX XXXX Last reported : XX/XX/XXXX {$3000.00} In Collections/Charge-off

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
Company: CULLEN/FROST BANKERS, INC.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
THE FROST BANK ACCOUNT IS NOT MINE. I HAVE ATTEMPTED, SEVERAL TIMES, TO HAVE IT DELETED, FROM MY CREDIT REPORTS. I DO NOT KNOW WHO THE ACCOUNT BELONGS TO, OR IF THIS IS IDENTITY THEFT. I JUST KNOW THAT THE ACCOUNT IS NOT MINE. PLEASE, STOP REPORTING THE FROST BANK ACCOUNT, AS MINE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-11
Company: EQUIFAX, 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:
The accounts listed are not my accounts and I didn't have anything to do with or authorize any of this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-28
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: Account status incorrect

Complaint:
XX/XX/XXXXthe talked to XXXX XXXX XXXX XXXX to XXXX and another new rep. We are still having late issues regarding this account and a late reporting with transunion please fix. XX/XX/XXXX the per attached pictures said late changed to current per XXXX Last nightXX/XX/XXXX XXXX XXXX XXXX XXXX hit my credit with transunion again saying its late see picture. This is taking tooo much time out of our lives This problem still exists and is not Fixed ... .not an isolated issue this is an ongoing problem

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2018-01-08
Company: WLCC
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I mistakenly provided the Routing Number used for Wire Transfers with my bank. I called XXXX XXXX to try and obtain simple answers. I spoke with a gentleman named XXXX that stated he was the most Senior Customer Service Rep within the Agency. He was extremely insulting and rude. He continually stated he was sorry for hurting my feelings. He then continued to repeatedly insult me over the phone when trying to answer simple questions. He stated that after my funds were returned to them i would no longer have a loan. This is troubling because i was approved for this loan. I was under the assumption that a decline was an adverse action i would need to be notified of. He continuously insulted and rudely answered the question with. I wo n't tell you anything else until Wednesday. I can tell you the loan is not yours anymore was stated after going back and forth with simple questions. I was unaware that XXXX had the ability to take away a loan I 've been approved for over my questions. This company also does not even require representatives state their name when answering calls. I had to prod and continuously ask XXXX for his name. XXXX XXXX was unable to provide a confirmation number for the now supposedly declined loan i was approved and signed loan documents for. 

He also continued to refuse to answer questions about company policy and refused to help highlight where within my loan documents it states that if the loan is returned i can no longer have the loan. He was also unable to tell me if i will need to re apply for the loan by resubmitting my application for decision? 
I was also told that applying for the loan would require an inquiry on my credit, but XXXX stated that my credit was never pulled in the process of applying for the loan. That 's very concerning as I would hope a Financial Institutions most senior employee could highlight and answer my simple questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: ARS National Services, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
CFPB XXXX XXXX. XXXX ARS National Services just sent me a collection letter I just received today no date to when it was written but did say I have to get back to them by XX/XX/2022 today is XX/XX/2022 trying to collect a debt that they know is exempt from there collection enclosed there letter are they crazy to do this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
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: Account status incorrect

Complaint:
My credit score on XX/XX/2021 was XXXX. 
My credit score currently has been dropped by XXXX  points to XXXX. 
Nothing material has changed on my credit report to cause this action. 
For example, due to COVID-19, all loans in forbearance, deferred to the end of the loan upon exiting forbearance, resuming regular payments, with all payments continuing to be current, under the CARES act should not cause this action as informed to me by the banks. 
I have asked the credit bureau to restore my credit score back to XXXX. 
This is yet to be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
Company: PRIMARY RESIDENTIAL MORTGAGE
State: NJ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am a registered XXXX  and had a working sponsorship with PRMI, from XX/XX/2021 - XX/XX/2021. The first issue, they charge a commitment fee and also a 1/2 point on every file. That half-point can be waived by the XXXX if the client questions it. If the XXXX XXXXlects to waive it on every file, as I did, feeling it was taking advantage of my borrowers, the XXXX  is counseled by management, and if it continues advised it will end in an in-house disciplinary action and a decrease in all future compensation agreements. 

Once I left the company on XX/XX/2021. The company continued to solicit prior realtors and clients using my name and XXXX #. Well after I left the company. I have attached a copy of the most recent email I received from a client.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation