BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-30
Company: The CBE Group, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
CBE Group dropped my credit rating XXXX points by reporting a debt that was not owed. They say I did not turn in cable equipment for XXXX  and it was turned in on time. I have the receipt for the return and the proof of the damage they inflicted on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I recently had my credit profile pulled. Upon looking at this report I have noticed there are accounts that are not mine AND accounts that were never late. PLEASE SEE ATTACHED POLICE REPORT. 

I sent your bureau a dispute letter in regards to these accounts on XXXX and XXXX asking that they be removed. Please note response should have been provided by date XX/XX/2018. I have not received report and XXXX  is over the time frame required to submit report to me. Please refer to the attached XXXX XXXX dispute letter sent to 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 explanation
Consumer complaint received 2022-01-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I made a complaint to the credit bureaus and they put fraud alerts on my credit file without my permission and without a telephone number. Preventing a very important loan from advancing today. I want you the alert 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 2021-11-16
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 49 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
This is a attempt  for two years  to obtain an accounting showing payments made and the current amount due and owing. I filed a complaint number  XXXX  back in  XXXX   XXXX  ; however, you appear to have dropped the ball. Nothing came of this complaint and I did not receive an accounting for  XXXX . Now I am attempting to obtain an accounting for  XXXX  from  Midland Credit Management Inc. I have made repeated requests for this accounting with no response from Midland. I do not u nderstand why this is so difficult to do. Further cfpb appears to have done nothing regarding my prior Complaint What gives?   Again why is this so difficult if  Midland  can not do this they should go out of business.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-07
Company: Square Inc
State: SD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
XXXX Cash App XXXX Funds of XXXX no longer exists, nor my account? Repeatedly sent email notifications on situation. Was told to open new account so they could link both accounts as long as I have all information needed. Did that and second account was also closed, whom and why I don't know? Tried for third time I've submitted my documents and information needed for them to link and resolve this matter. Was told to send it threw the app link support. Witch omg I am not going threw this again. In witch I did anyways. It's been since XXXX and still have not received or heard from anyone from the Cash App about my money!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Bank of America charges over draft fees but yet the account activity log never shows where the account actually went negative. This has happened to me several times with Bank of America. I was charged a {$35.00} overdraft fee but yet when you call and try to go over the account activity log with the employees, they have a completely different log that does n't even reflect the same information.     on my enclosed attached bank log, it shows my account was in the positive until the overdraft fee, that is the only time my bank went negative

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-02
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
My best friend received a call, today,    XX/XX/XXXX  ,  stating that  XXXX   XXXX  was trying to contact me for a debt. When I called the company, they called me back private, so it went straight to  Voice  Mail. I then called back at the number she left for me,    XXXX   XXXX   XXXX  ,  and was immediately placed on hold while they looked up my records. She then informs me that   XXXX   XXXX   XXXX   was attempting to collect a debt from a payday loan I received in    XX/XX/XXXX  I informed them that I could n't recall that loan, and asked for details. They stated that they were not a collection agency, but a mitigation company attempting to mediate the issue out of court. She then went on to say that they would attempt to collect 3 times the amount owed plus {$500.00}, but that I could pay {$410.00} today to settle the debt. I told her again that I did n't recall, and asked for a debt validation letter. She then transferred me to a supervisor. The supervisor got on the line and tried to bully me into paying. She stated they did an asset evaluation on me and asked if I owned  XXXX  vehicles,  XXXX  is my current vehicle, the other I have n't had for years. She said they we 're placing a lien on my car, and would also be taking me to court. I told her that I needed a debt validation letter, and she said they did n't have to send me anything because I was n't calling the shots here. I asked for the name of the company, she stated it was   XXXX   XXXX   XXXX   At some point in the conversation, she also stated that the debt was from  XX/XX/XXXX , not  XX/XX/XXXX .  I called   XXXX   XXXX   XXXX   and they could not find a loan for me. The claim number she gave me is :  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I have sent out numerous disputes trying to remove this account from my credit profile. 
This request has been denied and I would like this inaccurate information to be removed. 


XXXX XXXX XXXX EQUIFAX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
After filing four disputes on XX/XX/2021, Equifax failed to timely investigate and remove the inaccurate, outdated, and/or unverifiable information that I disputed. In addition, Equifax failed to indicate the actions it allegedly took in response to my disputes, when it finally acknowledged one of my disputes on XX/XX/2021. 

I again ask that Equifax remove the inaccurate, outdated, and/or unverified information that I requested more than eight months ago, in my disputes numbered XXXX, XXXX, XXXX, and XXXX. 

I also reserve all my rights under state law to bring civil action against Equifax for these failures.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX Attention : TransUnion Full Name : XXXX XXXX Full Address : XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX Social Security : XXXX Email : XXXX Reasons : I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. 
Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law XXXX, XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) Account Name : XXXX  Account Number : XXXX Date Filed : XX/XX/XXXX Type of Account : Collection Address : po box XXXX, IL XXXX Phone:XXXX Reason : THIS IS INACCURATE Account Name : XXXX Account number : XXXX Date Filed:XX/XX/XXXX Type of Account : Collection Address : XXXX XXXX XXXX XXXX, FL XXXX PHONE:XXXX Reason : THIS IS INACCURATE Account name : XXXX XXXX Account number : XXXX Date Filed : XX/XX/XXXX Type of Account : Collection Address : XXXX XXXX XXXX XXXX, IA XXXX Reason : THIS IS INACCURATE Type Of Account : INQUIRY Account name : XXXX XXXX Date filed XX/XX/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 2017-06-02
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
This complaint is being submitted on behalf of the homeowner by her advocate. The homeowner is a low income  XXXX   year old wi dow. Her back door neighbor passed away over a year and a half ago. It is her understanding that the surviving family members of the deceased borrower hold no interest in the property because the property is underwater. The property is not being maintained by anyone. The despair is affecting the homeowners shared fence and backyard.   XXXX  The homeowner reached out Ditech to discuss the nuisance the property was causing. Ditech representatives referred her to their property preservation department, who never answers or returns her calls. It appears that Ditech is using tactics to not be held responsible, because theyre aware of the property being vacant and causing a nuisance, yet no notices or actions to remedy the problem have occurred. The homeowner is left to maintain the falling fence and potential blight out of her own pocket, which is causing her an economic hardship.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: Exeter Finance Corp.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX Attention : XXXX Full Name : XXXX XXXX Full Address : XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX Social Security : XXXX Email : XXXX Reasons : I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. 
Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law XXXX, title X, XXXX Stat. XXXX ( XXXX ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) Account Name : XXXX  Account Number : XXXX Date Filed : XX/XX/XXXX Type of Account : Collection Address : XXXX XXXX XXXX, IL XXXX Phone:XXXX  Reason : THIS IS INACCURATE Account Name : Browardadjus Account number : XXXX Date Filed:XX/XX/XXXX Type of Account : Collection Address : XXXX XXXX XXXX FT.LAUDERDALE, FL XXXX PHONE:XXXX Reason : THIS IS INACCURATE Account name : EXETER FINANCE Account number : XXXX Date Filed : XX/XX/XXXX Type of Account : Collection Address : XXXX XXXX XXXX XXXX, IA XXXX Reason : THIS IS INACCURATE Type Of Account : INQUIRY Account name : XXXX XXXX  Date filed XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: Nicholas Financial 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: Reporting company used your report improperly

Complaint:
I noticed unauthorized inquiries on my consumer report. I did not give permissible permission to report without my consent and I never consented anything 15USC1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received XXXX XXXX XXXX Check No. XXXX in Amount of {$57.00}. On XX/XX/2021 I wrote to both Citibank ( my depository bank ) and XXXX concerning the fact that this check, although deposited to my Citibank account on XX/XX/2021 as described below has not been credited to my account. Although I have been a customer of Citibank for more than 40 years I did not receive the curtesy of a response from Citibank. I did however receive a response from XXXX. Their response was that the check was collected by Citibank. Citibank wrongfully withdrew these funds from my account, wrong charged me a {$12.00} return check fee and in spite of repeated attempts to receive credit for these funds I have been totally ignored by Citibank. 

Initially I attempted a remote deposit of this check to my Citibank checking account ending in XXXX. The check appeared to have been processed. However, it then was removed from my account. I contacted Citibank and was given a provisional credit. I received a further notification from Citibank that the provisional credit was being removed and that if I had physical possession of the check I should deposit it in a branch to my account, which I did. The check, a copy or what now passes for the original check was returned to Citibank and from them to me marked Refer to XXXX. I had attached a copy of the returned check to my XX/XX/2021 letter. To add insult to injury I was charged a {$12.00} return check fee. 

Since I was unable to either resolve this issue and be credited with the amount of the check ( {$57.00} ) or recover the {$12.00} return check fee I wrote to both Citibank and XXXX. XXXX responded by a copy of their paid check which clearly shows that Citibank acted wrongfully. Citibanks reference was to Lost Deposit to Citibank Account Ending XXXX Citibank # XXXX. What I do know is that if Citibank, with all of its computing power can not find my government check for {$57.00} and credit it to me with the improperly charged {$12.00} return check fee, how many other " little guys '' have been treated in the same fashion. 

I expect that this matter will be resolved to my satisfaction by the end of this year.

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 2017-06-02
Company: SUNTRUST BANKS, INC.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
NEW COMPLAINT : No credit of refund of  XXXX  issued by  XXXX  on   XXXX  .
<P/>
Number 3 ACTIVE UNRESOLVED COMPLAINT. SunTrust still forcing my account open due to refunds owed TO ME BY SUNTRUST.
<P/>
Suntrust has made ZERO CONTACT WITH ME ON ANY OF THESE OPEN AND UNRESOLVED COMPLAINTS.
<P/>
I want SunTrust to contact me ASAP, explain What They intend to do to help me and a projected time frame for resolution to return my STOLEN FUNDS.

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 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 is missing that should be on the report

Complaint:
I am in XXXX. XXXX. The Bankruptcy court however did NOT REQUIRE me to send mortgage payments to the XXXX. I AM paying them directly thru my personal account. Thus allowing me to be XXXX XXXX. I HAVE BEEN paying them and not misssed payments on these two. One was Opened in XXXX XXXX XXXX XXXX  ) as an equity loan. Trans Union IS NOT SHOWING this loan or my # XXXX mortgage loan ON MY Credit Reports!!! They are Not listed so I have NO credit history or a FICO score. 

The bank ( XXXX ) along with an attorney of mine several years ago tried to rectify this problem. TransUnion has IGNORED this problem. 

The main mortgage on my home is also NOT SHOWING on 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 non-monetary relief
Consumer complaint received 2021-11-16
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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm tryin to advance in my life to provide for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11
Company: AES/PHEAA
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
This is in reference to a case I opened 3 years ago. Case XXXX. 
I've done everything they've asked and provided the appropriate information, I keep paying on time and they are still unwilling to work with me and my situation. They have drastically increased my monthly payment. I also qualify for the Service Members Relief program, but they make this process extremely complicated for us service members. I've made more payments to my loan than they have on record for the Service Members Relief Program. I have no idea how to figure out this company. I am constantly XXXX with the XXXX XXXX and I literally do not have the time to keep verifying my military status and paychecks.

I hate to reopen this case but I am once again left without any more options. Literally worst loan service I've ever worked with.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11
Company: LEXISNEXIS
State: IN
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 dispute letter to LexisNexis on XX/XX/2019 regarding a US Bankruptcy Court IL of XXXX account thats reporting on my credit file. To this date I havent received a response from the company. I want the account removed from my credit file because its been more than 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS
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:
I did not recieve my card that was ordered by unemployment. I made my claims online. I tried to resolve the issue with contacting edd but was directed to Bank of America as they are the bank that handles the funds. I contacted Bank of America about the location of my card and/or getting one resent. I was informed that my card had been activated/used by someone but it was definitely not me. I was also informed the card balance was spent. I was then directed to dispute the charges which I had no problem with because I did not make the charges. I was reassured I would get my money back. I acknowledge that I would assist and open to investigation if needed. I called to check the status of my claim as this whats money I was depending on only to be told my claim was denied. I asked for a explanation I did not recieve one. The representative I spoke to inform me that she would resubmit them for reconsideration. I was told that any complaints made in regards to this issue or police report would help. Due to my work schedule working XXXX I cant leave work to go to the police station to file such report. Im willing to comply with anything needed to get my money back that I did not spend. I need any help that can be done to aid in me getting my funds recovered.

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