BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-26
Company: Sentry Credit, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
sentry credit inc tried to collect cleaning fee on behalf of XXXX XXXX XXXX ranch without providing any evidence. 
I called them to sole the issue but they threatened me that I have to pay and evidence not needed since they trust apartment management. 

1. in state of Arizona : XXXX. XXXX, Subsection 14 of that section says : " '' Security '' means money or property given to assure payment or performance under a rental agreement. " Security '' does not include a reasonable charge for redecorating or cleaning. '' Then refer to XXXX. XXXX. Landlord can only withhold a security deposit for any damages caused to the property. XXXX ( D ) provides that the landlord must refund your security deposit within 14 days of the end of your tenancy together with an " itemized list of all deductions ''. If they fail to do so, you can sue for the return of the deposit plus 2x the deposit. 
Landlord refused to return my deposit within 14 days. 
Landlord used my deposit for the cleaning fee. 
2. What the landlord submitted as evidence is an outdated contract from XXXX. It does not provide any evidence for the cleaning fee. 
3. I moved in XX/XX/XXXX and lived there for 8 years. During that time I requested several times to clean or replace carpet and resurfacing the tub which the landlord refused. 
4. Your collection report affected my credit score negatively. You have absolutely no evidence from the landlord except the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07
Company: Nelnet, Inc.
State: AL
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 was shocked when I reviewed my credit report and found 120 days late payment on the dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Capital one/ Venture Credit card makes it all but impossible to dispute an unauthorized charge that I disputed. The ability to get them documents has been INTENTIONALLY unfixed for at least 2 years. There's is NO WAY to go to the website to view their secure communication without them first sending you a link to it. 
I had to been erroneously put into quarantine by XXXX XXXXXXXX XXXX, which they said they would pay for. I was charged for an illegal detainment on in their XXXX for 5 days ( could have been 5 more days ) {$1200.00} on XX/XX/XXXX. The only notification of the infestation was the email and txt the investigation. I found it strange that this was the ONLY response I got on the dispute, was after it was too late to respond, on XX/XX/XXXX. Their website, according to another further customer on XXXX writes, it has not been able to UPLOAD ANY DOCUMENTS FOR 2 YEARS. I can prove this creme status, because I am a XXXX XXXX and this would be a known and easy issue to fix. 

After this, I closed my card until this can be settled but there is still a balance with that company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
We spoke to Bank of America nearly 4 months ago because we used their Billpay service to send a check to our HOA for a check for {$250.00}. This was on XXXX 2017. However, the check was stolen and cashed. The signature on that cashed check was not the HOA 's signature, and the account was not under the HOA name. We reported this check as stolen with the police. 

Bank of America, however, has yet to actually refund our check ( 3 months later ). They told us that we would get the money back in 90 days for sure. However, it 's been more than 90 days and they are saying that they are still waiting on the Federal Reserve to refund. I 'm not sure why they promised us we would get the funds back in 90 days if it was n't true. 

It 's taken more than 5 phone calls, countless hours and emails so far and we have not had the funds returned.

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 2022-03-12
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:
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : * A copy of my Identity Theft Report and proof of my identity. 
* A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX Enclosures : * Identity Theft Report * Proof of identity : a copy of my drivers license.

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 2021-10-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I received a text message on XX/XX/XXXX indicating I had authorized a XXXX payment to an unknown party for {$3500.00} from Bank of America and to reply NO if I had not initiated that payment. I replied NO and received an immediate phone call from Bank of America indicating the payment needed to be reversed through XXXX by sending the funds back to myself. The Bank of America representative walked me through the process. The total amount of {$3500.00} was transferred out of my account on XX/XX/XXXX and I called Bank of America who informed me it was not them calling although the number matched their customer service number and they took a claim from me. They said it could take up to 90 days to research. I called back around 45 days and they said they had not recovered any funds and then I called back XX/XX/XXXX and they said there was a note on XX/XX/XXXX that they were trying to recoup funds from the other user 's bank but no one called me and informed me of the update. I filed a complaint with the FTC on XX/XX/XXXX. I have attached the emails I received confirming the transactions and indicating they were from Bank of America. I have attached several news reports of the exact same situation for which all of them were initially denied by Bank of America and the consumers were refunded per Regulation E once a media source became involved. I have not involved the media.

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 2022-03-12
Company: EQUIFAX, 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:
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : * A copy of my Identity Theft Report and proof of my identity. 
* A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX Enclosures : * Identity Theft Report * Proof of identity : a copy of my drivers license.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: EQUIFAX, INC.
State: NC
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:
wrong information on reports incorrect address name birthdate phone numbers collection that is does not belong to me inquires that i didnt do

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: Pacific Credit Exchange Corporation
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:
On XX/XX/2021 I spoke to a representative from pacific credit exchange in regards of the account still appearing under collections. I informed her that the amount of {$2700.00} was paid in full and I needed this to be removed from my credit report because it wasnt allowing me to refinance the loan to my home. The employee stated that it appeared as closed on her end and that there was nothing she could do to help me remove this account 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 2021-09-13
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Hello my name is XXXX XXXX. On XX/XX/2021 I sent a letter to the credit reporting agencies regarding a dispute response of an account on my credit report that was inaccurate. I also sent a FTC letter and made a complaint to the cfpb regarding the investigation process and how XXXX  and equifax did not give me a proper answer regarding the investigation and their findings and also delayed their initial response longer than 60 days. Also Equifax sent me a letter failing to abide by the law FCRA 605b even though I sent a FTC report. In the letters I clearly noted that I was severely affected and my information stolen during the XXXX  and the equifax data breach and I am seeking the help of the CFPB. Through this whole process they have failed to give me proper evidence of the validation of the debt and verification that I was the one that sought out the debt to being with and I want the item deleted from my credit report immediately. I deserved a proper investigation into the matter and not a template response in regards to a personal matter that is affecting me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: Santander Consumer USA Holdings Inc.
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Santander XXXX has updated a paid charge off as having balance due of {$1100.00}. I was part of the settlement in their court case that required then to remove the negative account from my reports. However, they continue the same predatory business. The car was sold and the title had been released to me in 2018 by Santander. If I owed them any money, why would they have sent the title. They updated the balance to {$0.00}. When I requested that the account be removed from my credit reports as directed by the lawsuit. They update it again as a charge off with {$1100.00} due. 

They do not contact me or send any correspondence to show that a balance was due. They only update the credit report out of spite when you request it be updated as required by the settlement. 

Santander is an extremely predatory lender. Their lack of documentation and communication with their consumers is evident by their continued disregard for the courts requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: EQUIFAX, 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31
Company: PNC Bank N.A.
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: Information belongs to someone else

Complaint:
I dispute all unverifiable transactions contained in Summary File Disclosure, Consumer ID : XXXX prepared on XXXX/XXXX/XXXX by XXXX XXXX summary disclosure. 

As the Secured Party Creditor, and the holder of the XXXX XXXX interest in any and all real and personal property and the proceeds therefrom, registered to, associated with, in the possession of, or under the management of, XXXX XXXX, and XXXX XXXX XXXX XXXX, your alleged claims and/or requests prejudice my rights, titles, and interests in regards to said property as the Executive Trustee for the private trust to which said rights, titles, and interests have been pledged. In order for me to provide you with a remedy, I conditionally accept your offer upon proof, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached. And, a copy sent to undersigned for rebuttal or acquiesce, of the following : 1. VERIFIABLE Proof of Legal documents to prove that you are legally authorized to collect, 2. VERIFIABLE Proof of Amount of the actual debt, 3. VERIFIABLE Proof of Payments made on the account, 4. VERIFIABLE Proof of Accounting of the debt, including all interest and fees, 5. VERIFIABLE Proof of Fees and interest amounts, 6. VERIFIABLE Proof of a signed contract showing the terms about the debt, 7. VERIFIABLE Proof of WHO owns the debt/or has been assigned the debt, 8. VERIFIABLE Proof of a copy of a true bill from the original creditor, 9. VERIFIABLE Proof of a complete payment history, starting with the original creditor, and 10. VERIFIABLE Proof of a Certified and True Copy of the original signed agreement or  application. 

Please Note : I wish to deal with this matter in writing and I do not give your administration permission to contact me by telephone. Should you do so, I must warn you that the calls could constitute harassment ' and I may take action under Fair Debt Collection Practices Act 806. Harassment or abuse [ 15 USC 1692d ].

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31
Company: U.S. BANCORP
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
My name is XXXX XXXX, I live in XXXX, AZ and I have XXXX XXXX. 
I was awarded Social Security in XXXX and backpay of check dated XXXX XXXX for {XXXX, XXXX which was mailed to a wrong address and then was cashed by a thief that had no access or authority to cash my check. I filed a police report, called US Bank Fraud line and they refused to help me since the person that stole my check which is in my name only, opened a bank account with US Bank with me as a NON Signor and her as only access. She would have to open an account with my name since its the only name on it. I filed a report with XXXX XXXX office and they contacted Social Security which directed me right back to US Bank since they cashed the check without proper approval. She never should of been able to cash a XXXX, XXXX check that is NOT in her name. 
I am going to the media, online, every platform I can until my money is rightfully returned to me. I am the and I am treated as the accuser. This is downright ILLEGAL and UNJUST. Someone will help me one way or another. XXXX XXXX is the theif that stole and cashed my check. I filed a police report against her.

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 2020-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX I received a copy of my XXXX  credit report. Information is incorrect on the report. I tried 3 different numbers to reach them to dispute this information. All 3 numbers I can't get to dispute this incorrect information. XXXX XXXX XXXX. I also tried to go online and dispute these wrong accounts which is affecting my credit score. Again the system will not allow me online. There is an account XXXX XXXX XXXX XXXX that is reporting wrong. Account was paid in full plus the account was open and paid in full over 8 years ago. It's showing as negative. Which is completely wrong. Another account is XXXX XX/XX/XXXX which is showing late in XXXX and XXXX. I had lost work due to layoff and contacted XXXX  XXXX  immediately to see if I can set up for lower montly payments. I was told I can pay XXXX for the next 3 months and nothing will be reported as late. Well it was reported late.This is affecting my credit score. I explained due to corona virus I was laid off work temporarily. The other one is XXXX  XXXX XXXX that was opened back in XXXX this information is outdated and should be removed off my report. I am aggravated that I can't speak to XXXX  to have them correct 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 2021-02-16
Company: Illinois Collection Service, Inc.
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
OnXX/XX/XXXX I received a call from a person claiming to be from a collection agency asking me to verify my social and birthday. I asked the lady who she was and what company she was calling me on behalf of. She said ICS Collection Service and before she could tell me anything else I needed to give her my social and date of birth. I told her that I can not just give my social out because people are scamming. She very rudely told me that I owed money and she needed to verify it was me before she could tell me to whom. I hung up and called the number back to see what the call was about. I was told that a medical bill was sent to their office for non payment from the XXXX XXXX for XXXX in XXXX one month before the pandemic hit. I told the guy that I have insurance and that I had not received any calls or mail stating that I owed any money to the XXXX XXXX. At that time he verified the address that they had was indeed wrong. I asked him at that time to please send me this bill so that I can send it to my insurance company. On today 's date XXXX, not even 30 days later I receive notice from XXXX  that this collection agency has flagged my credit in collection. I have GOOD credit and pay all of my debt in full every month. I worked very hard through the pandemic to ensure that everyone gets paid. I was not given fair notice, time, or the opportunity to settle this debt before this collection company placed it on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent a letter to the credit bureau to delete the unauthorized credit inquiries but its been well over 30 days and no response from them. 

XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Equifax XXXX XXXX from XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18
Company: Experian Information Solutions Inc.
State: PA
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 believe my personal medical informatin is being shared without my consent. I have reached out to all parties involved requesting a signed release form allowing XXXX, XXXX to have, keep, and distribute my personal medical informatin. I believe the HIPPA Privacy Act is being violated.

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 2022-02-17
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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