BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-28
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 information incorrect

Complaint:
The FCRA states that all information reported on a credit report must be 100 % accurate or it must be deleted from the credit report. I sent letters to all bureaus to regarding XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX ) account. I asked to update, fix or delete this account because of the inaccurate information they are reporting on my credit report. They said it was verified and nothing was done to my report. These all are the inaccurate information that they are reporting to my credit report. Account is listed as collection. It's showing a balance of {$3700.00}, per the FCRA this is a violation, balance should be {$0.00} Date Opened : INACCURATE Balance : Should be {$0.00} Last Reported : INACCURATE. 
Date Last Active : INACCURATE

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I received a call from ( XXXX ) XXXX from XXXX XXXX regarding some documents that she tried to deliver to a place local car dealership where I purchased a car some time ago. She was rude, threatening and unprofessional so I wanted to report her. She gave me a case number, a local phone number ( XXXX ) XXXX and told me I had a lawsuit pending regarding a {$10000.00} credit card balance from XX/XX/XXXX they claimed I did not pay. They said they sent notices which I never received. They said they tried to deliver documents that there never delivered. I decided I was dedicating my day TODAY to filing complaints on XXXX from this so-called " 3rd party '' agent. As I was browsing on the internet for information, I found many complaints against XXXX XXXX from the state of California. Local number ( XXXX ) XXXX is NOT a working number today. At XXXX XXXX refuses to give me their local address or allow me to speak to the owner or Managing Director at ( XXXX ) XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
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: Investigation took more than 30 days

Complaint:
On XX/XX/2020, I gave a formal complaint of inaccurate information on my credit report including inquiries and accounts. 30 days later to the date, I have not received any response. Under federal law, you have 30 days to complete my investigation. 


Proof of these alleged items, specifically the contract, note, or other instrument bearing my signature has not been provided to me. Failing that, the items must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. I demand that the unauthorized inquiries and accounts be removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: AmerAssist A/R Solutions, Inc.
State: PA
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 response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was a victim of violent crime. I am not responsible for this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
Company: ERC
State: SC
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:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: BBVA FINANCIAL CORPORATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
So i was at the XXXX XXXX  on XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX  on XXXX at around XXXX and i attempted to put XXXX  gas on pump number 2 and take out XXXX cash back so using XXXX XXXX i put my phone up to the card reader and my transaction was declined. I then realized i forgot to transfer over my earnings from XXXX XXXX  so i stepped back and immediately transferred my earnings from today which was XXXX ALL OF THIS IS ON CAMERA BTW. So i then step back up to the register and try it again which was successful. So i go about my business until about an hour later whem i log into my online banking because I had received a text about the transaction going thru i then look at my online banking and see that it has. I immediatly go to back to the gas station and show this to the worker and she assured me that it did in fact decline and that i was more then welcome to speak with her manager in the morning she then gave me the hours that she worked. So i then came back the following day and spoke with the manager i then gave her all my info and the time i did the transaction. So she took about XXXX  min to locate the footage and she verified from the tape that it did in fact decline because she could see the Decline Chit print up. She told me that she would gladly verify this all with my bank because no money was ever given to me. Because no money was Ever given to me because the transaction declined. Also the transaction was XXXX not XXXX I wouldnt be able to get cash back without first buying something such as gas. So after verifying all this i then called my bank and the first person with the bank basically implied i was lying. Then i issued a complaint for how i was being treated. Then when someone else called me back they informed me it wasn't their job to call the gas station and if i wanted any money back my best bet was to file a police report. Their wasnt any money stolen as they could easily find out by reaching out to the merchant.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-27
Company: The Bureaus, Inc.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/20 I called to see why on my credit report it was showing a balance instead of saying that the debt was settled and was transferred and hung up on several times before reaching anyone. Once i reached a representative, he was very rude and told me to pay the balance and that this was going to remain on my credit forever. I asked him why when my account was settled by another representative. I am blaming the Bureaus because they hired these shady people to take payments for them and lie and say that everything would be settled and deleted from my credit report as soon as i settle but lied to me because it is still on my credit report. I would like this to be deleted just was I was told and want information that it will be because i went even far as leaving compliant and was never contacted back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: CITIBANK, N.A.
State: TX
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 recently applied for a credit card on XX/XX/XXXX for Double Cash with XXXX they denied my application so on XX/XX/XXXX I called to see if they would reconsider giving me the card it was a no. so I recently got a copy of my credit report and what did I see but not one but 2 inquiries on the same agency on the same week one on XX/XX/XXXX the other XX/XX/18. I did not consent at all for two pulls in the same week called them and they just gave me the run around and denied me from too many inquiries and two of them were from them, I need these to be verified. send me written proof of these or please remove them

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 2021-06-29
Company: Kinum, Inc., Indianapolis, IN Branch
State: IL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was fraudulent charge. I never went to the school, never sent my transcripts, I informed them and the XXXX XXXX said they are not credited. Than 6 months later I seen a bill. I reported this to XXXX and they removed it. Six months later it was sold to a collection agency. I informed them and XXXX this was a fraudulent account. And Once a debt resulting from identity theft has been blocked, a person or business with notice of the block may not sell, transfer, or place the debt for collection. But this was. Im a single mother and in America how can people try to get paid for no service. I do understand credit company have a lot of complaints but they should protect the Consumer. This was removed and now added back to credit report.Can you please investigate this. My name is XXXX XXXX. Ss # XXXX Company was XXXX XXXX XXXX XXXX, IN XXXX than they sold to KINUM INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
The company has asked that I pay a debt for {$3300.00}, {$1800.00}, {$2000.00} Acct. # XXXX that they can't show that I owe the debt i asked XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA. XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX I asked the company 's to VALIDATE the debt ( not a verification ) have the debt be VALIDATED Show ORIGINAL instrument of indebtness, Show ORIGINAL copy of the TRUE BILL ( not a statement ) Show copies of Company Bank records showing account Offsets, Show original documents and/or contracts that Shows my Wet Ink Signature on them, XXXX XXXX XXXX keeps ducking the questions & facts Im asking of them. They state 3rd party I have sent a letter requesting the proof of the debt owed. This matter has not been satisfied or do I agree this company that has said the Debt has been VALIDATED which is a lie Send Me The Proof and any all of the things I've asked I DEMAND they answer the questions asked of them. I need this for equity court I need to be sent proof of everything listed above.

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 2022-08-05
Company: U.S. BANCORP
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/22 I used my bank card to rent a car while in XXXX XXXX. There was a deposit hold of {$250.00} and the total charge was {$220.00} for a total hold initially of {$460.00}. When I returned home on XX/XX/22 my account balance was showing a negative balance due to the holds. On XX/XX/22 I reviewed my balance which showed a negative balance of {$180.00}. I contacted the customer service number and was advised to make a cash deposit at a Bank ATM to return the balance to a positive which would relieve some of the Overdraft charges and prevent new ones. When I returned to the states I updated my address to XXXX, GA from XXXX, TN. I had to travel over 200 miles + round trip to get to a US Bank ATM to make a deposit. I was advised to speak to a supervisor regarding refunding the overdraft charges. On XX/XX/22 I contacted the customer service team again after seeing the Rental Car transaction had now appeared again in the account which forced the balance into a negative again. This situation was very alarming as I was not made aware of it the day prior when I spoke with the Customer Service team. The supervisor waffled around about what happened and wasn't able to give confident support of the issue. He eventually referred me to the bank branch in XXXX. I called the bank branch and was advised that if it was a merchant error with posting or a bank error then all of the fees could be reversed. I would have to reach back out to the Customer Service number. I called back and was routed to the disputes department. I advised as best I could of all the information and misinformation I had been provided over the last 18 hours or so. Eventually the agent I spoke with advised they could reverse XXXX of the overdraft charges. There had been XXXX overdraft charges on my account in the past week which is well above and beyond what is to be expected. I also removed the overdraft protection from my account in an attempt to prevent future occurrences like this that appeared to be prompted by some merchant or banking error connected with the rental car payment. I will also no longer be using the bank card for that kind of purchase after this series of events. At minimum, I would like for US Bank to review the scenario and provide a reimbursement of the other overdraft fees that were assessed on the account not only due to the posting error with Routes Rental Car but also due to the stress this has caused and the undue burden of having to travel XXXX miles round trip to deposit cash into the account at the instruction of the customer service team only to be advised the following day that the deposit wouldn't post until the following day and therefore it would not prevent any additional overdrafts.

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 2018-02-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I am filing a complaint about Portfolio Recovery Associates, they are a third party debt collection agency that purchases debt that was already charged off by the lender and then contacts the debtor threatening them with legal action if they do not pay them the amount owed from the original debt plus their added fees. On several occasions I have asked them not to contact me on my cell phone, I have even gone so far as to block the number that they call from at that time but they have an unlimited amount of phone numbers that they use to work around being blocked. They not only call me but have contacted members of my family as well as neighbors in attempts to bully and intimidate anyone that they could in order to get paid on a debt that they have no contract with me for and was already settled with the original lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: Experian Information Solutions Inc.
State: CA
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: Problem canceling credit monitoring or identify theft protection service

Complaint:
On XX/XX/2019 I filed a dispute with my debit card company against an unauthorized charge for XXXX from Experian. The charge was reversed and the company was blocked. I recently filled out an application for a new rental and they requested a background and credit check. Experian then charged my debit card again for another XXXX without permission. 

The issue is that in credit card protections, I listed all my debit and credit cards for protection and they are being illegally charged without my permission. I have had to keep my cards maxed out and had one card replaced in fear of constant credit dispute. 

I have blocked this company and cancelled the service. Yet they persist in billing.

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 2018-04-05
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt collection calls and letters. Debt continues to be sold. Newest company, Diversified Consultants,  attempting to collect debt never owed. No delinquent accounts with XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I AM UNABLE TO OBATIN MY EQUIFAX CREDIT FILE OR SCORE. 
PREVIOUSLY I WAS ABLE TO PULL MY REPORT UP UNTIL XX/XX/XXXX THEN ON XX/XX/XXXX I TRYED REQUESTING MY FILE TROUGH XXXX AND I WAS ADVISED BY BOTH XXXX AND EQUIFAX THAT MY FILE IS MISSING MY SOCIAL SECURITY NUMBER AND FOR THAT REASON I AM UNABLE TO OBTAIN MY REPORT! 

I SPOKE TO THEM SEVERAL TIMES. 
EQUIFAX HAS BEEN GIVING ME THE RUNAROUND THE HAVE BEEN RUDE UNPROFESSIONAL AND UNCOMFORTABLE. I WAS ADVISED BY GLOBAL EQUIFAX ON XX/XX/XXXX THAT THIS ISSUE WAS FIXED AND I WAS NOW ABLE TO OBTAIN MY REPORT TODAY XX/XX/XXXX I TRYED AGAIN AND NO LUCK THEY DID NOT FIXED THIS ISSUE. I CALLED AGAIN XX/XX/XXXX AT XXXX AND NOW THERE TELLING ME THAT MY FILE STILL HAS NOT HAVE MY SOCIAL ATACHED

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: Experian Information Solutions 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:
I have been trying to get Experian to remove an unverifiable bankruptcy. I have been trying to fix this for a year now. On XXXX, 2021, I sent another dispute. Experian said their third party vender XXXX verified the bankruptcy as accurate. On XX/XX/2021 in sent Experian a letter asking them for their method of verification. I also requested all information in my file that pertained to this unverifiable bankruptcy. Per 623 of the fair credit reporting act. They never sent it. I call XXXX and they said they never verified the bankruptcy. I also talked to the courts. They said they do not verify bankruptcies to credit bureaus. I sent Experian a copy of my dispute with XXXX and the results where this bankruptcy was deleted.

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 2018-03-28
Company: CIT BANK, NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The United States Treasury Department and other federal agencies established the Home Affordable Modification Program ( henceforth " HAMP '' ) as part of the Making Home Affordable Program as authorized and enable by 12 USC 5201 et seq. The HAMP are incorporated in the terms of the subject contract between parties. The Making Home Affordable, Handbook for Servicers of GSE and Non-GSE Mortgages, 4 2MP Process and the Supplemental Directive 13-05, G. Section 4 of Chapter V, 2MP Process state in relevant part : " When a borrower 's first lien is modified under HAMP ( Tier 1 or Tier 2 ) or a Standard Modification by XX/XX/XXXX. The 2MP servicer must offer to modify or extinguish the corresponding second lien ... .. In addition, if the borrower 's first lien is modified under HAMP or a qualifying GSE Standard Modification, the 2MP servicer must dismiss any outstanding foreclosure action on the borrower 's second lien. 

On XX/XX/XXXX, I enter into a loan modification agreement, therefore as per the mentioned Treasury Rules, the second lien holder One west Bank was supposed to either offer a loan modification or extinguish the debt. Ones west bank failed to do either and instead sold the loan to XXXX XXXX to enforce the debt. 

These actions are in violation of the precedent stipulated Rules set forth as part of the Loss mitigation Resolution by the treasury department. The record reveals that i entered into a loan modification agreement prior to XX/XX/XXXX, and that the lien holder one west bank failed to abide by the Treasury Rules in regards to the debt. At this time debt collector and its affiliates XXXX XXXX, can not enforce a debt that should have been extinguished at this juncture.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Checking on my TransUnion Credit report i found an inquiry from XXXX XXXX phone Co that i did not authorized or have an account with, I called Transunion to see how can the inquiry be removed from my credit report, they refer me to XXXX for a Removal of Inquiry letter when i called XXXX they informed me did not provide such a document to of course call Transunion that only they can do the removal. The back and forth begins.

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