BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
TransUnion is committing fraud with this creditor, XXXX XXXX XXXX on a debt that was paid in XXXX to XXXX XXXX of XXXX. TransUnion deleted the fraudulent charge this year in XXXX & XXXX as well as the prior 2 years stating that the charges were paid and not to be on my credit report. TransUnion 's calls center is not in the US and is trying to scam me for additional personal information along with XXXX XXXX XXXX for {$590.00} and {$290.00}. TransUnion needs to be investigated 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 2023-03-03
Company: ALLY FINANCIAL INC.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Ally has not yet gottem back to me they changed the payment due from over XXXX down to {$440.00} in late charges which is unfounded, I I find it disgusting that you allow them to drag thier heals and possibly reporting late payments that are errors on thier part

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 2019-09-24
Company: LEXISNEXIS
State: IL
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:
On XX/XX/2019 I received a notice from XXXX stating LexisNexis confirmed a chapter XXXX bankruptcy listed on my XXXX  credit report in my public records. I call LexisNexis on XX/XX/2019 to inquire about the erroneous bankruptcy information. I was not given any answers as to why this bankruptcy was being published on my report. 
I reminded the LexisNexis customer rep that I had previously disputed this bankruptcy in the past on XX/XX/19. I also received a written statement from LexisNexis stating the they have remove/deleted the XXXX XXXX bankruptcy from my report. They also provided me with an updated copy of my LexisNexis report showing the deletes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12
Company: Consumer Portfolio Services, Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
This car was returned to Consumer Portfolio services and they have sold this car but they continue to report it on my credit. They picked this car up over 8 years ago and but they still say that I owe them. They say that I owe them over {$9000.00}, which is very untrue. This should be removed from my credit report asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On I filed an Identity Theft Affidavit with the FTC on XX/XX/XXXX in result of the information reported against me regarding a defaulted account reported by Bank of America under account number XXXX. 
This account was used without my consent and knowledge. I reported suspicious activity and the use of my personal information to my local PO department as per stated in my FTC Identity Theft Report filed XXXX. 
I have made 3 attempts to request a Fraud Packet from this institution to continue the process as described by the FTC and each time I have been told that I will receive it in the mail. 
Time of Event : XX/XX/XXXX I disputed this account via XXXX and uploaded ( 2 ) forms of ID and ID Theft Affidavit XX/XX/XXXX I called Bank of America and requested a Fraud Packet as advised by FTC XX/XX/XXXX visited my local branch and requested a Fraud Packet as advised by FTC On XX/XX/XXXX I wrote to Bank of America and mailed it certified delivery with USPS ( see attached letter ) and to date I have not received a response. I am repeatedly reuqesting that BOA amend this account and remove the inaccurate derogotary information from my reports because as a result of this incorrect reporting I am experiencing extreem financial hardship.

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 2021-10-23
Company: International Computer Systems, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have a collection of {$640.00} that is a duplicate on my credit report across XXXX and XXXX with two seperate collection agencies and I would like to have the duplicate deleted so I know which one to pay. The collection agencies First Collection Service on XXXX and XXXX  with XXXX are both claiming the debt owed to XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My identity has been compromised and need to have the following account and inquiries 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 2019-04-12
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The only debts that appear on my credit report has already passed the statue of limitations. This particular individual called the school district requesting to speak.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-19
Company: AES/PHEAA
State: MD
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hello XXXX, I 'm writing today because i 'm having issues with Fedloan servicing reporting two student loan accounts to my XXXX and XXXX  Credit reports. Fed Loans is reporting that i am 180 Days past due for a balance of {$0.00} dollars. My only student Loans have been paid off with no missed payments and were managed by XXXX these two phantom accounts with incorrect and incomplete information is damaging to my overall good credit and needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23
Company: United Revenue Corporation
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I'm currently having an issue with a collection company. They're reporting erroneous information to my credit report that needs to be removed promptly. Its violates 4 counts of the FCRA ( Federal Credit Report Act ) as well as HIPAA ( Health Insurance Portability Accountability ACT 1996 ) Under Section 602 - Reporting Inaccurately.

Section 603 ( A ) ( B ) ( C ) - Sharing Medical Information Section 604 ( 2 ) - Creditor is prohibited from using medical information for eligibility for credit or continued credit.

Section 605 ( 6 ) ( A ) - Provide sufficient information of such service provided Name, Address or Phone.

HIPAA ACT 1996- A health care provider or health plan may share relevant information if : given permission to share the information.

They must have a HIPAA " Released Form '' signed by me. Which they don't have NOT a " Privacy Notice Form ''.

Sharing my information with a company is in fact fraudulent. Also not having the correct address or phone number which is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: AMERICAN HONDA FINANCE CORP
State: CT
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:
Honda Financial is deliberately refusing to update my 3 credit reports I have called and spoken to three different people Car was purchased for XXXX Loan amount was XXXX Payments made total XXXX XXXX payments were paid for XXXX plus interest and other charges Honda financial assessed. We own the vehicle in full with a lien release. 

Yet Honda financial refuses to Update the payment information to reflect the months of. XXXX XXXX XXXX XXXX and XXXX of 2020. Honda also Failed to report that the car is Lien releases even though they sent us a lien release and I have repeatedly asked Honda financial to update the Information being sent to three credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: EQUIFAX, INC.
State: CT
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:
XXXX XXXX is deliberately refusing to update my 3 credit reports I have called and spoken to three different people Car was purchased for XXXX Loan amount was XXXX Payments made total XXXX XXXX payments were paid for XXXX plus interest and other charges XXXX XXXX  assessed. We own the vehicle in full with a lien release. 

Yet XXXX XXXX  refuses to Update the payment information to reflect the months of. XXXX XXXX XXXX XXXX and XXXX of 2020. XXXX also Failed to report that the car is Lien releases even though they sent us a lien release and I have repeatedly asked XXXX XXXX  to update the Information being sent to three credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: Experian Information Solutions Inc.
State: CT
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:
XXXX XXXX is deliberately refusing to update my 3 credit reports I have called and spoken to three different people Car was purchased for XXXX Loan amount was XXXX Payments made total XXXX XXXX payments were paid for XXXX plus interest and other charges XXXX XXXX  assessed. We own the vehicle in full with a lien release. 

Yet XXXX XXXX  refuses to Update the payment information to reflect the months of. XXXX XXXX XXXX XXXX and XXXX of 2020. XXXX also Failed to report that the car is Lien releases even though they sent us a lien release and I have repeatedly asked XXXX XXXX  to update the Information being sent to three credit bureaus

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 2021-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
My credit score keeps dropping even after all 10 inquiries were removed after being on my report for 2 years. I pay my creditors on time, in full every month. My score should be in the high 700 's. 
Thank You Kindly!

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 2019-04-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I believe, that my personal information was stolen by somebody and I was victim of Identity Theft.

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 2019-04-12
Company: AES/PHEAA
State: VA
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'm writing to complain about my XXXX Account ( # XXXX ). The issue is credit reporting on loan sequence XXXX & XXXX. On XX/XX/2019, I spoke with XXXX  XXXX. I learned that XXXX XXXX already sent the electronic loan sequences supposedly to each of the bureaus to be reinstated. Today, I learned by speaking with XXXX and XXXX  that the information is still not reinstated on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: GA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX has been sending me collection notices in the amount of {$22000.00}. The collection has been reported as a past due balance. I don't know this company. I have never done any business with this company. Thi9s company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX we did a balance transfer from a Capital One acct ending in XXXX to a XXXX XXXX cc. Capital one put the money in an account that has been closed since XXXX ending in XXXX. After hours on the phone with them they finally discovered their mistake and moved the money from the closed account ( XXXX ) to the account where it was supposed to have gone ( XXXX ). I received a confirmation email from capital one on XX/XX/XXXX. 
On XX/XX/XXXX I received an email from capital one stating I have an overdue balance of over {$5400.00} on the account that had been closed in XXXX ending in ( XXXX ). When I called capital One a woman named XXXX license XXXX stated that despite me being an authorized user on the old closed account ( XXXX ) she would still need to speak with my husband before correcting their mistake. She did acknowledge it was a mistake on their part, she did acknowledge that its inaccurately on our credit reports ( both mine and my husbands ), she did acknowledge that my husband and I called them together in XXXX to correct their original mistake. Despite all of this she will not correct the mistake on their end and mentioned that it was accruing interest every day ( on a balance that was a credit not a debt ) and thats why the balance went from a little over {$4700.00}, which should have been a credit due to balance transfer, to a debt of over {$5400.00}. 
Problem is, which I explain to her, my husband has been working out of town and wont be back until XX/XX/XXXX. Hes in a part of the desert with no reception. He has a satellite text feature but no phone service. When I explain that this was dragging our credit rating into the sewer she said theres nothing she can do. I asked to speak with a supervisor and she said she was the highest person available by phone at all of capital one. 
My complaint is that my, and my husbands, credit is impacted by their mistake, again, and they are not willing to correct it. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have checked my credit reports and found items that do not belong to me, so I contacted the credit bureaus. I sent them my dispute letter along with the ID theft report and it has been more than 30 days since then. But I never receive any response as of this writing. I am asking fopr y our help coz those items are ruining my creditbility. Please remove them from my file

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 2015-10-03
Company: Diversified Consultants, Inc.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is n't a complaint about an ATTEMPT to collect the wrong amount, this is a complaint that it ACTUALLY happened. 

I settled with XXXX ( XXXX a debt of {$120.00} for {$100.00} and instead of withdrawing {$100.00} from my account they took the full {$120.00}. 

I promptly called them back about the problem and was told that there is nothing they can do until Monday XXXX XXXX. This happened on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: AMERIS BANCORP
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have our tax and home insurance escrowed with our mortgage company ( Ameris Bacnk ) so our monthly payment incudes mortgage, tax and insurance. In XXXX of this year, we received a notice from our home/auto insurance company that our policy was to be cancelled for lack of payment. Since we do not pay our home insurance directly we contacted our mortgage company to see what was going on. After hours on the phone they deferred us to the insurance company that makes payments for them. After more hours on the phone, we discovered our mortgage account was on hold, not from our lack of payment ( we have never missed a payment and pay extra every month ), but because the mortgage company was selling our mortgage to another. Thus, the paying insurance company said the could not make a payment while the account was on hold, even though they had the money to do so. We also discovered our account had been on hold since XX/XX/2021 and we were just now finding out about it. 

We immediately contacted our insurance co. so they were aware of the situation. We were told that it should be cleared up within the week. Fast forward a month filled with hours upon hours of phone calls and transfers, the paying insurance co. still would not pay, nor refund our money so we could pay and so our home insurance was cancelled. Now, my home was no longer protected, but my auto insurance went up because we no longer had the " bundle discount ''. 

After two more weeks the hold was finally released on our account. But now we had to set up a new policy with our insurance provider. We did only to find our home insurance costs were going up about $ XXXX now due to market increases. Regardless, we created the policy and the paying insurance co. finally paid. 

Then, Ameris Bank send us a letter telling us that since WE allowed our home insurance to elapse, WE had to carry hazard insurance now that would add and extra {$3000.00} a year to our payment. We obviously argued that our insurance would not elapsed if they had not put a hold on our account and not paid it with the money we had already given them. At this moment, they have reduced that {$3000.00} payment down to {$700.00}, but I refuse to pay it. They promptly threatened to send me to a collections agecy. Please be aware that in all of this we have still not missed a payment. We feel helpless and cheated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02
Company: PNC Bank N.A.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
My husband and I have had a joint account at PNC Bank for a while now. On XXXX XXXX, XXXX my husband passed away. On XXXX XXXX, XXXX, his social security check was dispersed to the account and I withdrew the funds as usual to pay expenses. The bank later withdrew the funds saying they did so because he had passed. I visited the bank and spoke with XXXX XXXX. She told us the bank placed a hold on the account pending a response from Social Security. My daughter and I visited Social Security to gain clarity. We were told they had not requested a refund from the bank as I was entitled to the funds because they were a payout from the month of XXXX when he was still alive. We went back to the bank to tell the representative we had met with what was said at Social Security, but were met with a denial. At that point the representative said the government had a hold on the account even though a couple hours before she said the hold had been placed by the bank. XXXX XXXX said we needed to meet with the branch manager who would return on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, we met with the branch manager, XXXX XXXX. She stated she needed proof from Social Security that I was entitled to the funds. My daughter called the Social Security office and placed the call on speakerphone. The Social Security representative stated the same information as the representative we spoke with in the office the day before- that the bank should not have withdrawn the funds. However, XXXX XXXX stated they did not know their jobs even though the representative stated she would be able to send something to the treasury to the same effect. After waiting a few minutes, XXXX XXXX asked my daughter to contact the Social Security office again and ask if they could email the release statement directly to her and she would forward it to the treasury department. When my daughter called the third representative said she could not email it because of the confidential information. She also stated she did not see information from the treasury requesting the money back. She stated she sees the funds were paid to the bank on XXXX XXXX. She said if the bank chose to send the funds back, I could fill out an underpayment form to get the funds back. In the meantime, my check direct deposits into the bank tomorrow, XXXX XXXX and the bank is going to take my whole check to settle the overdraft fees they unnecessarily caused. I am left with no money to pay my bills and at XXXX XXXX XXXX I have no other source of income. The bank caused this error and are not hearing my pleas for help to stop it. They have been told my multiple people at Social Security that they should not have taken my money, but they refuse to put it back. Please help me get my money back before I lose my home. I am suffering enough from losing my husband of XXXX  years.

Company response to consumer: Closed with explanation