BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have two Bank of America credit cards. Two weeks ago we noticed we had not received a statement from our Merrill Lynch card through Bank of America. In contacting them I found out that they had switched it to electronic billing. I had received no notice of this change or had I requested it. So now I had late fees and finance charges. The past two days I tried to use another credit card from Bank of America and it was not accepted. Again in calling Bank of America I was told my card was locked since I was two months behind on payments. I stated that I had not received a statement. I was told that the account was on electronic billing. Again there was no notice of this billing change and I had not requested it. Once again I have late fees and finance charges. I pay off my credit cards in full every month without fail. I was told that they could see that I had an excellent credit history. I was told if I made a payment by phone right then they would unlock my credit card and remove the late fee, but I am still looking at finance charges This has also affected my credit score as  well. I have heard from numerous other people that they have had this same problem with Bank of America. It appears that they have found a way to make extra money by switching people to electronic billing without giving notice and collecting late fees and finance charges for several months before it is found out.

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 2023-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX TransUnion Have My Address Wrong

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 2021-03-09
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX I was contacted by XXXX XXXX who contacted my daughter to reach me. She stated I could settle 3 debts of XXXX XXXX and XXXX for XXXX. XXXX called today XX/XX/2021 and stated I only resolved one bill. This company use deceptive business Practices to obtain money. I spoke with XXXX XXXX who said I cant help you I dont have your file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I received a copy of my credit report and noticed there was some information on my report that is inaccurate. I am in the process of buying a home and the information that is being shown is holding up the process. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, the item I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address, and telephone number updated and remove any other names, addresses, and telephone numbers that do not belong to me. The following account in dispute is listed below : 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. My current address is XXXX XXXX XXXX XXXX, OH. XXXX. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC1681j ( a ) ( 6 ). I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this 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 2021-03-05
Company: AFNI INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A collection agency named Afni, Inc. is trying to collect a debt from me of {$5000.00}. They claim to be collecting on behalf of XXXX. Afni says they are willing to accept {$2500.00} from me as a discounted offer. This is not money I owe. 

The account number is : XXXX. 
The creditor account number is : XXXX I do not owe money to XXXX and I have never had an account with them. I suspect this is fraudulent activity and harassment. 

I have contacted XXXX and they agree that I have never had an account with them. They have no record of any accounts under my name or SSN. 

Afni, Inc is threatening to report this fraudulent debt to credit bureaus. 

In XXXX of 2020, a different credit agency, XXXX, claimed that I owed {$5700.00} to XXXX and reported me to the credit bureaus. I disputed my debt with XXXX and made a complaint to CFPB. Again, XXXX corroborated by claim that I've never had an account with XXXX and have no outstanding debt. XXXX stopped contacting me, but now I am being harassed by Afni, Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: EQUIFAX, 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:
15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A Section2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: First Financial Resources, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
HI TOWN OF XXXX XXXX # XXXX  ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
I have been receiving calls claiming a legal action against me. Today 's call came from XXXX XXXX XXXX XXXX regarding a supposed defaulted loan from Ace cash express. I did borrow from their XXXX XXXX, CO location over 5 years ago, but any and all loans were paid in full and on time over 5 years ago. When I talked to the person, he was very hesitant to give me any information, just kept asking questions, date of birth etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: RFNA, LP
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Republic Finance has committed multiple FCRA and FDCPA violations by reporting an alleged, invalidated debt on my XXXX, XXXX, and XXXX  consumer reports dated as of XX/XX/2021. I have sent documentation showing proof of this inaccurate account that they have listed along with proof of Republic Finance violations via regular mail and via electronically. Republic Finance was already in violation specifically of 15 USC 1692, 15 USC 1681, and 15 USC 6802. But now they are also in direct violation of 15 USC 6821 as they know that they are intentionally disclosing false, fictitious, and fraudulent information to XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
XXXX is reporting a bankruptcy that is not mines. XXXX XXXX has removed the bankruptcy from my record therefore XXXX needs to remove the bankruptcy 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 2021-03-05
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We contacted Wells Fargo home mortgage for a refi on our existing mortgage ... we currently have well Fargo for our mortgage so we thought this would be no problem since we have excellent credit and never missed a payments..on the very first day on this process we explained that my husband goes to work overseas and that we would file a POA so that I ( his wife ) can close for us in his name..we did this same exact process for the same home we are trying to refinance ... we got pre approved and the approved ... then I hear nothing for weeks..I tried to contact our loan officer and finally got an email she is no longer with the company..I filed a complaint and never got a call back..trying to figure our what is going on..then they contact me after all of this, to tell me we are denied the mortgage refi loan that we were approved for because they are saying that my husbands home, our ONLY home in TX that we have isn't considered his primary residence because he works XXXXThis home is his primary residence, and when he goes to work overseas he stays in a company owned compound, there are no other properties in his name at ALL ... we were lied to and then our time now for the good refi rates we locked in have been wasted ... we should have never ever used Wells Fargo.they have now cost us time and money

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 2023-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX, I AM VERY FRUSTRATED. MY RIGHTS ARE BEING VIOLATED AS A CONSUMER. It has been brought to my Attention that the Credit reporting agencies are Willfully Neglecting my rights as a consumer. I have reached out to the Both THE bankruptcy Court of XXXX XXXX as well as XXXX XXXX which they have stated are the verifying of this data .I have correspondence from THE BANKRUPTCY COURT that they in fact do not report anything to credit reports. SO WHY IS IT REPORTING THAT ON MY CONSUMER REPORT! THAT IS NOT 100 % ACCURATE ACCORDING TO 15 USC 1681e ( b ). I also have no contract with this company allowing them to REPORT to my consumer reports. THIS IS INDEED FRAUDULENT AND I AM DEMANDING THESE ACCOUNTS BE DELETED. 

YOU ARE IN VIOLATION OF 15 USC 1681e ( b ) - MAXIMUM POSSIBLE ACCURACY 15 USC 1681a ( 4 ) - ACCURACY AND FAIRNESS 15 U.S. Code 1681c2 - Block of info 15 U.S. Code 1681b - Permissible purposes of consumer reports

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 2021-05-16
Company: Experian Information Solutions Inc.
State: MO
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 asked for method of verification for an invalid collection account reporting to my account. They did not give me a method of verification within 30 days of this request.

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 2023-06-08
Company: Collection Bureau of the Hudson Valley, Inc.
State: NY
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:
XXXX and collection or financial company by the name of Collection Bureau Hudson Valley Inc. have been reporting inaccurate information on my credit report. The account number is : XXXX I have written the company Collection Bureau Hudson Valley Inc with a debt validation letter and they responded back after a cease and desist. They never sent the legally required document that suffices a debt or a debt validated. They have multiple consumer violations within their letter and letterhead. I would like the account removed and compensated no less than {$100.00} and not more than {$1000.00} per violation. 
The certified mail tracking number is : XXXX All supporting documents will be included.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The credit bureaus are reporting unvalidated fraudulent collection accounts on my report I've reached out to the companies they have failed to validate account I've disputed it with all 3 bureaus they are somehow verifying the debt as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Hi the reasoning for this dispute is the following information listed on my credit report is inaccurate and fraudulent. I have contacted the following credit bureaus XXXX, XXXX and Transunion to have the inaccurate and fraudulent items removed but i didn't get a response, I am requesting that you the company ( CFPB ) change and update the incorrect items reporting on my credit report. Attached or supporting documents for this request ( Driver License, Social Security Card, list of fraudulent Inquires ) Also, I will attach my report filed with Identity Theft ( FTC ). 

Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible.

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 2022-01-28
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The credit bureaus are reporting unvalidated fraudulent collection accounts on my report I've reached out to the companies they have failed to validate account I've disputed it with all 3 bureaus they are somehow verifying the debt as accurate.

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 2021-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
On XX/XX/2021 I wrote to you requesting an investigation into items that I believed were INNACCURATE. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time.

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 2023-11-16
Company: Nelnet, Inc.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Before repayment started. I tested my payment method to ensure auto payment on Nelnet could continue uninterrupted. I was previously on Great lakes. 

Successfully added current checking account and made payments. 

When loans restarted nelnet charged the banking account that was linked to great lakes but not nelnet. Despite the account not bring linked to current account and auto debit being linked to new checking account. 

When i reached out to Nelnet via phone support after i requested that the call be escalated they eventually advised me the old checking account is no longer linked the Nelnet account which will update to state the payment was not captured and then i can submit the XX/XX/XXXX payment. As of XX/XX/XXXX the account has not updated. 

I decided to make the XX/XX/XXXX payment of {$260.00} early on XX/XX/XXXX to ensure the payment was processed successfully before the holiday. After the payment was processed Nelnet then updated the payment due for another payment of $ XXXX on XX/XX/XXXX. 

There is no reason why i should be double charged for XXXX. The double payment does not reflect the not actually charged XXXX payment which was for XXXX. I have tried emailing multiple times and will be connecting with law firms to explore all potential avenues. 

I want to be able to submit my payment as expected or early without having to worry about what XXXX occur. 

Standard billing practices used across most major companies in XXXX. 

I have to pay my bill yet there is no punishment or standard for Nelnet to even get the billing processed correctly. Which is literally their job.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : 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 non-monetary relief
Consumer complaint received 2018-03-09
Company: EQUIFAX, 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: Account information incorrect

Complaint:
For myself and my wife, Equifax is showing a balance due still for this mortgage that we had a completed XXXX for. As of XX/XX/2015 the owed balance should be {$0.00} no more late payments after that date. 

They however still show a balance due of over XXXX and over XXXX as " past due '' XXXX XXXX  XXXX and Equifax have been contacted numerous times but ignore the problem. I need it fixed so we can get a new mortgage starting XXXX of this year ( 3 year waiting period )

Company response to consumer: Closed with explanation