BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: TMX Finance LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
I Obtained a title loan from the XXXX XXXX XXXX XXXX {$6100.00} in XX/XX/XXXX. I fe ; ; behind on payments because of lost of income and made arrangements to pay less. In XXXX covid pandemic stay at home were in place and I struggled more. I made small good faith payments and called the store about my situation. I was told Titlemax was closing XXXX  stores and they did not know what would happen and I would receive info by mail. I never did, In XXXX logged in to make a small payment but the loan information showed 0. I thought it was temporary. I called a the XX/XX/XXXX at XXXX pm ( I have phone records ) XXXX  customer service to find out my options and request some time to pay. I spoke with XXXX she said XXXX  was not repossessing and they would keep my title until I paid the charge off amount. She also said they might consider a settlement. I confirmed my mailing address and told her I need help until XXXX. They did not have options. They are claiming they did not receive the call but my notes and phone bill are proof. I have pais approx. {$3000.00} in payments. My car was repossessed without warning XX/XX/XXXX at XXXX XXXX, I called the police because I was unaware. Title max did not follow procedure to charge off or repossess. They did not communicate because they were in transition and did not have the staff to follow protocol. XX/XX/XXXX I spoke to XXXX in restitution department. He said they would not offer reinstatement only a settlement. I told him it was XXXX  Law to offer reinstatement. He said not. He offered a settlement of {$7000.00} due by XXXX XXXX or the car will be sold XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Well, I sent a letter disputing the accuracy of the bankruptcy record from the third party company XXXX because they are reporting this information. Also, I sent a copy of a letter from The U.S. Bankruptcy Court stating they do not give out that information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
Company: TOYOTA MOTOR CREDIT CORPORATION
State: AR
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: Problem with personal statement of dispute

Complaint:
I had an acct with XXXX XXXX XXXX. I was in a car accident XX/XX/XXXX. I paid the monthly note until waiting on the insurance company to pay. On XX/XX/XXXX I received an deficiency letter stating below is the total balance and I had 20days from the date of the letter to pay the total balance after reading the letter I called Toyota spoke with a CSR and asked do I pay my XX/XX/XXXX car note minus the total amount of is my XX/XX/XXXX note due in this total by the due date? I was instructed to pay the total balance by the due date and I complied and paid the acct in full on time. I then received a credit alert and letter stating I received a 30day marker for XX/XX/XXXX when I called Toyota I was told it was for XX/XX/XXXX. I asked how did I receive a 30day marker for XX/XX/XXXX when they added my XX/XX/XXXX note to the total balance on the deficiency letter on XX/XX/XXXX and gave me 20 days after that date to pay it? This marker is not warranted, they added my XX/XX/XXXX payment to the total balance. I disputed it was updated to paid as agreed but they did not remove the 30day marker and this acct is closed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was NEVER notified that there was a debt owed from the original creditor or the collection company. It is a {$62.00} from XXXX XXXX. They placed this collection on my credit report without trying to contact me first.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
There 2 Capital One accounts in charge-off status on my credit reports that are fraudulent and I have no knowledge of at all. The first Capital One account was opened XX/XX/XXXX, showing a {$300.00} credit limit, with a balance of {$450.00}. The 2nd Capital One account was opened XX/XX/XXXX, showing a {$500.00} credit limit with a balance of {$710.00}. Also, there is a fraudulent XXXX account that was opened XX/XX/XXXX, showing a {$500.00} credit limit. These are all fraudulent accounts in my name. Ive disputed with the companies previously.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
Company: Ditech Financial LLC
State: IA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
we are back at it again. you, Ditech playing games, while this time you are in chapter XXXX bankruptcy and switching accounts around and adding monies that have already been paid, too the new account that you have created in my name! i am down to {$2500.00} before i made the XX/XX/XXXX payment of {$250.00}. then you switch accounts on me and i am suddenly back at {$8600.00}, i found this out by logging into my account. 

in reality, if your company and previous company named greentree financial since you are the same company, would have correctly serviced my loan since XXXX, i would have actually been paid off in XXXX, but it wasnt. you came back and said i owed over XXXX dollars. which is weird because you have received every dime plus interest, even when i fell behind in payment due to 2 divorces, all behind payments and interest were paid. your servicing issues were on you, not my fault that you doctored my account. since i was worried about losing my home, i had no choice but to be a pawn in your scheme and keep paying. 
also since you jumbled my account to a new account, XX/XX/XXXX, you cancelled my insurance which the cost was added to my account of $ XXXX.and you received {$340.00} back. i will be deducting this amount from on my previous account. now on to other things. 

now that you have changed my account from the account i have had for 22+ years, you send me a letter saying i am behind in my payments, i argue that point with you, because you receive my money every month, which leads me to my credit report that you have falsely been reporting on for a few years. every one of my payments have been declared over 120 days late since XXXX and there are discrepancies before that. my payment marks should reflect fairly of that month. also, you gave me 3 options in your recent letter dated XXXX XXXX, 1 ) was to modify my account, already done and had to fight through CFPB to get it done, 2 ) you tell me if i cant afford my home to either sell it or find more affordable housing. i have been paying you 22+ years and you keep trying to add more money! also, you want me to file a loss mitigation report. i know already how that works, you play the didnt receive it in time or paperwork is incomplete game. 
your own documents, that i receive monthly show my balance owed and now that you are in a chapter XXXX bankruptcy, you obviously think that you can switch stuff around to make it look better for you in front of the judge and trustee. i expect this matter to be resolved and corrected. i honestly believe, my account and probably thousands of others, should be forensically audited by a federal auditor through a federal investigation!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified, '' that I have disputed. Please resolve this manner as soon as possible. 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 explanation
Consumer complaint received 2020-08-23
Company: Eastern Account Systems of Connecticut, Inc.
State: CT
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
PAID CO PAYMENTS BEFORE GOING TO THE DOCXTOR OR THEY WOULD NOT SEE ME HAVE INSURANCE ANY THEY PAID FOR ALL THE BILL DOCTORS OFFICE IS WRONG DO NOT OWE ANY BALANCE TO THEM

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: EQUIFAX, INC.
State: AR
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 was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accountsXXXX  XXXX {$8500.00} XXXX XXXX {$23000.00} XXXX XXXXXXXX {$480.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 filing this complaint, XXXX, TransUnion, and XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. 

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 explanation
Consumer complaint received 2020-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I received a bill from XXXX XXXX XXXX XXXXXXXX that was due on XX/XX/XXXX for the amount of ( {$28.00} ) which was my minimum payment Due. Because of COVID-19 and the lack of work I was behind a few days so I made a payment on XX/XX/XXXX in the amount of ( {$250.00} ) which included a late fee which brought my account to a XXXX balance. After that I had not received any more bills from them which I wasn't expecting because I had paid the whole balance and had not made any more purchases. On XXXX I received an alert on my credit report that I was mark as 30 days late for a balance of ( {$6.00} )!!!!. I called the company to explain why this had happened especially since I had a XXXX   balance the rep told me that it was interest. I then asked why did I have a interest on a XXXX balance. I was then put on hold and the rep came back stating that she wasn't sure why exactly why this had happened but that she would remove the ( {$6.00} ) charges which would clear my account. And that i would see if refelted on my account within 24-48 hrs. I then asked to speak with a supervisor or the credit reporting department so that they could also fix the error on my credit report. The rep told me that I would need to contact the credit bureaus for that to be corrected. I then asked why would I need to do that when the error was made on their end and the rep again said that she had cleared the balance but I needed to contact the credit bureaus to remove the 30 days late remark that had recently dropped my score 58 points. I explained to her that I had perfect payment history and had never had a remark like this on my credit and I needed it corrected. The rep was unsure what to do and disconnected the call.

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 2021-05-26
Company: Ability Recovery Services, LLC
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted Ability Recovery Services LLC in regards of a collection account they say I owe them but they are not verifying I owe this collection with them. On XX/XX/2020, Ability Recovery Services LLC sent me an enrollment application for debt validation/verification. This is not acceptable to me. It shows no account with them whatsoever.

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 2017-08-08
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
PNC bank is back to their old antics of purposely ordering transactions to post in a manner that consumers have to pay multiple overdraft fees a month. I was paid a prior settlement from them for the exact same practice in XX/XX/2014.  They advertise their online banking as easy to use. but do not post transactions in a manner that makes their customers have any idea what their balance is. I have enough money to cover any deduction as I have 2 accounts but I will not be forced to enroll in overdraft protection as that means a hacker can empty all of my accounts. I had this happen to the same account last year.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: Capital Accounts, LLC
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. 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 explanation
Consumer complaint received 2021-05-26
Company: AR Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have called and tried to get information from AR. I work for the XXXX  of XXXX. I went to my case manager who does our health insurance. She states. I owe no one and I have met my Deductible. They are collecting on illegal debit. I ask for detail billing have got nothing but a run around for a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
Company: EQUIFAX, INC.
State: PA
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 by mail on XX/XX/2018 to dispute information on my credit report to Equifax. Equifax has not responded in any way. I can not access any information at all from their website. It always states, " Your information does not match our records. '' I sent Equifax a copy of my driver license, a copy of my social security card and information regarding the dispute in question. This is the 3rd or 4th time I have disputed this item on my credit report. Equifax typically sends me an email with the results, but will not let me log into the website. The website perpetually says, " Your information does not match our records, '' Even though I am answering all of their questions accurately according to my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-03
Company: JPMORGAN CHASE & CO.
State: MD
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
se told me we were in Underwritting. I was told they had all Letters and DOCS, and were in the hands of the underwritter. I was told 2 weeks and I would have an answer.Next thing I know XXXX calls and tells me that they now have my mortgage I find it sad that Chase played me the whole time. They kept finding reasons for delaying the final answer. Chase wasted 2 months. They could have had the whole thing wrapped up. But, They wasted my time. Now pretty much I have to start the Mod all over again. Wasting time seems to be Chase 's thing. Now I will have to begin the process all over again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: Square Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/19, my tax refund was sent to cash app account and deposited in the amount of {$11000.00}. Once the funds was made available in the cash app screen, I made one transaction to move {$51.00} from my cash app account to another cash app acount. It was accepted but customer could not use the funds applied. Then I moved tried to send money again and my card was disabled right after the first withdrawal was made. The next day XX/XX/19, my payroll check in the amount of {$370.00} was deposited and company stated that wouldn't be able to receive or send deposit because account was closed. I have been emailing customer support since XX/XX/19 and got a response from them on XX/XX/19 just confirming to me that the account was closed and I needed to contact my tax preparer to get funds recalled on their end. I reached out to tax preparer and the bank that issued the tax refund and they said that cash app had to reject the funds in order for a check to be reissued. Since cash app allowed the funds to deposited into the account and it shows up on the account its nothing they can do until the funds are rejected. I have filed a claim with IRS tax preparer bank, XXXX and now you all. You can only email customer support can't talk to anyone directly but XXXX is the representative who I have had correspondence with.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX I contacted Navient via letter informing them that I did not take any loans while a student at XXXX XXXX XXXX. Their response was that the loans were valid. I then contacted their loan investigation department to find out more information about these loans. The loan investigation department sent me an email stating that they do not have any federal loans on file associated with the school in question. XXXX. XXXX, XXXX I sent Navient another debt dispute letter along with a copy of the email that was sent to me from their loan investigation department stating that there was no federal loan on file for the school in question. Navient 's response was that the loans were valid as they stated previously from the first response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: Experian Information Solutions Inc.
State: AR
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 was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accountsXXXX XXXXXXXX {$8500.00} XXXX XXXX {$23000.00} XXXX XXXXXXXX {$480.00}

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