BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-01
Company: Receivables Performance Management, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been rebuilding my credit for years and I raised my credit sore to XXXX where it has approx remained for the last year, I went to check my score recently to find it has dropped a 101 points overnight. a collection company ( Receivables performance Management ) put a collection/charge off on my credit report, stating I owe XXXX to ( XXXX XXXX ) I have never had XXXX XXXX in my life and have never had any type of dealings with XXXX XXXX. I checked into the collection agency and discovered I am not the only one with the exact same issue with this company the internet is littered with the same complaint as mine. the Better Business Bureau complaint/comment section has at least 50 complaints of the exact same claim with Receivables Performance Management saying they owe XXXX or XXXX, XXXX, XXXX ... when they have never had any dealings with them whatsoever. I have never received a letter or phone call from this collection company, this is either a mistake or they have just made up this claim in hopes I just pay to get it off my credit report. this debt is not mine it is either fraudulent or human error, I need this off my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXXXXXX

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 2017-06-29
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I applied for a vehicle loan while I was serving in the XXXX XXXX. The lender, XXXX XXXX offered to finance me. Being that I was a high risk borrower they were the only ones willing to offer a loan. I purchased the car as well as full coverage and gap insurance. I made a few payments, one which one was late. After my late payment, the very rude customer service agent told me that any extra payment I would make ( I had added sometimes up to {$50.00} a month extra on my payments to go to principal ) would only go to interest and that was my only option. In the first week of XX/XX/XXXX I was home in Colorado having  finished my enlistment contract. I was blinded by the sun on the way to a Doctor appointment and hit a small parking lot cement divider. It was approx. 12 inches high. It totaled the car. I submitted the claim to XXXX who tried to pay the bank. XXXX would not take the payment and listed on my credit report as they repossessed the car. Which is untrue. They finally took payment from XXXX after I disputed the balance on my credit report. They now, over 3 years later refuse to take payment from my GAP insurance and still report my car as repossessed. If my car is repossessed and not totaled out, I demand to see the auction report. They are required to auction a repossessed car and provide me the amount left on the loan. But they can not do that because the car was totaled and therefore not repossessed. XXXX needs to remove the repossession off my credit profile before I sue them in civil court. I suggest if XXXX offers any consumer a loan, they walk away from the dealership. Walking around town and taking the bus is better than dealing with this corrupt company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I applied for a vehicle loan while I was serving in the XXXX XXXX. The lender, XXXX XXXX offered to finance me. Being that I was a high risk borrower they were the only ones willing to offer a loan. I purchased the car as well as full coverage and gap insurance. I made a few payments, one which one was late. After my late payment, the very rude customer service agent told me that any extra payment I would make ( I had added sometimes up to {$50.00} a month extra on my payments to go to principal ) would only go to interest and that was my only option. In the first week of 2014 I was home in Colorado having  finished my enlistment contract. I was blinded by the sun on the way to a Doctor appointment and hit a small parking lot cement divider. It was approx. 12 inches high. It totaled the car. I submitted the claim to XXXX who tried to pay the bank. XXXX would not take the payment and listed on my credit report as they repossessed the car. Which is untrue. They finally took payment from XXXX after I disputed the balance on my credit report. They now, over 3 years later refuse to take payment from my GAP insurance and still report my car as repossessed. If my car is repossessed and not totaled out, I demand to see the auction report. They are required to auction a repossessed car and provide me the amount left on the loan. But they can not do that because the car was totaled and therefore not repossessed. XXXX needs to remove the repossession off my credit profile before I sue them in civil court. I suggest if XXXX offers any consumer a loan, they walk away from the dealership. Walking around town and taking the bus is better than dealing with this corrupt company.

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 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXXXXXX XXXX XXXX XXXX  Account # XXXX has violated my rights. 

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 age can not furnish a account without my written instructions.

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 2022-05-03
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

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 2022-08-14
Company: The CBE Group, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX i sent a ceases and deist letter to CBE Group XXXX XXXX XXXX XXXX IA XXXX instructing based upon the Fair Credit Collection Practices Act, 15 USC 1692g Sec.809 ( b ) that this claim is disputed and validation is requested, Proof That i owe XXXX XXXX I have never had account with XXXX XXXX, nor have i entered into any agreement with CBE group to pay them for any transaction i may or have not entered into. 
After giving fair warning they have continued to send letters and calls as of XXXX XXXX without any verification of the debt, this is threatening my lively hood by damaging my credit rating,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
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 Account # XXXX has violated my rights. 

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 age can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: Tromberg, Morris & Poulin, PLLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
When I made the initial payment arrangement I did not receive a statement of the debt or a settlement letter/ payment schedule. 
I received a letter XX/XX/XXXX stating the office was open again and could call to have questions answered and/or apply for Covid relief.

I attempted to obtain my amount owed over many months, my calls or messages were ignored. I was never told my debt balance after the office closed due to COVID-19 following my initial calls to request the information in XX/XX/XXXX. 
I made a payment and continued to attempt to contact, I submitted yet another payment in XXXX, and still had not been contacted or was able to contact the office. On XX/XX/XXXX I called again and finally reached the office it was at this time they informed me they cancelled the agreement because the XXXX payment did not process their website ... The had not attempted to contact me in anyway, and I did not receive my monthly notice, with the payment information. 
Bottom line, they refused to contact me and refused to inform me that the payment did not process before voiding the agreement. They refused to honor their statement of being available for questions or COVID relief. 
It appears they were waiting for an excuse and for all I know their internet payment server was down when I made my payment! BUT THEY ABSOLUTELY REFUSED TO CONTACT ME, even after I reached them and they promised a call back within an hour they still didn't call to give me the requested information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Bank of America began foreclosing on my home. I reached out to Bank of America and was told that I would be given the opportunity to modify my mortgage. I called Bank of America several times, left voicemails and no one returned my calls. On XX/XX/2021 I received a letter from Bank of America and was told that Bank of America made a mistake and that there was {$18000.00} that Bank of America overcharged me this the monthly mortgage payment would change. 
Furthermore, I was contacted by Bank of America 's attorney via email on XX/XX/2021 with an attachment from Bank of America dated XX/XX/2021 which states that I can be re-evaluated. I called Bank of America on XX/XX/2021 and was told that they could not speak with me. Please help I don't want to be foreclosed upon.

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 2022-05-03
Company: Experian Information Solutions 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 have checked my credit report when house shopping and realized there are items that do not belong to me. My information is not correct and appears to be somebody else 's as I have never had any associations with addresses and names showing on my report. have accounts on it associated with another person that seems to be fraud.

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 2022-01-10
Company: AMERICAN EXPRESS COMPANY
State: KY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2021 I deposited a check for {$3000.00} into my American Express National Bank High Yield Personal Savings Account. The check was written from the XXXX XXXX XXXX account of XXXX XXXX XXXX XXXX and was payment for freelance work. The check cleared and the funds deposited, but then on XX/XX/XXXX the deposit was rescinded and my interest deducted from my account. AENB claimed the deposit was a duplicate and the check had already been deposited at another institution. Since receiving the check, it has only ever been in my possession and I have only ever deposited it once. American Express claimed XXXX XXXX XXXX initiated the return and that my client needed to get documentation from them. 

I asked my client at XXXX XXXX XXXX XXXX  to talk to her Bank and they provided her with documentation that the check had cleared their account on XX/XX/XXXX and deposited into an American Express National Bank account, including check images that matched my endorsed and deposited check. There is no record that those funds were being returned to the XXXX XXXX XXXX account, despite American Express insisting the funds were being returned to XXXX I provided the documentation to American Express with no response. Moreover, their insistence that the funds were being returned in XXXX business days has not materialized XXXX weeks later. As of now, XXXX XXXX XXXX XXXX does not have the {$3000.00} in their account, nor do I have it in mine. 

Twice I've been assured by American Express that my issue would be escalated to a supervisor, but in XXXX weeks I have heard nothing. Again, I have not deposited the check and the original is still in my possession. While XXXX  has been responsive with the documentation they have, AENB has not and I am still missing {$3000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
XXXX, Transunion, and XXXX  are in violation my consumer rights. I sent a letter on XX/XX/XXXX. Explaining how my consumer rights were violated pursuant to the Fair Credit Reporting Act [ 15 U.S.C. 1681b ] Permissible Purpose of consumer report. I did not give any of the above-mentioned companies the authorization to furnish my credit report and I am demanding the removal of all the unknown collection accounts that I have listed in the attached letter. Also there is no information regarding where the fraudulent collection accounts are from which is a violation [ 15 U.S.C. 1681s-2 ]. Responsiblities of furnishers of information to consumer reporting agencies.These accounts are sitting on my credit report without any proper validation and no consent from me as the consumer and natural person. Please delete the unknown and fraudulent collection accounts 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 2022-01-10
Company: Velocity Portfolio Group
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On or about XX/XX/XXXX, Velocity Investments , LLC was sold this loan debt from XXXX XXXX XXXX XXXX Initially the debt was sent to XXXX XXXX whom I tried o work with and resolve by arrangements. I notified XXXX of this and subsequently ( between XXXX and XXXX ) received a some type of notification that Velocity Investments was involved. 

I sent a dispute based on a partial payment issued to the XXXX XXXX XXXX in XXXX, the original debtors. Upon notifying of this, I had not heard anything from Velocity Investments as to remit proof of the partial payment or anything until appr. XXXX of XXXX, a letter from an attorneys office, XXXX, XXXX XXXX XXXX. I sent the dispute based on the aforementioned information. Again no request for proof of payment was requested from me. 

In XXXX of XXXX, I received a notice of a court filing. I reached out to the attorneys office working for Velocity Investments, assignee of XXXX  XXXX XXXX talked to an attorney about the issues and was told to submit a " Circumstance & Request '' which I did by mail the same day. I responded to the court summons and a court date is set for XXXX XXXX, XXXX. I received in the mail on XX/XX/XXXX, a notice from another attorney, XXXX XXXX XXXX issued by Velocity Investments, XXXX XXXX and the assignee XXXX XXXX a debt collection letter for the same debt we are currently scheduled in court for. I believe this is in direct violation of Fair Debt Collection Practices Act and speaks volumes for what has been transpiring as it has been sought to resolve this debt.

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 2022-01-10
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: Account information incorrect

Complaint:
XXXX HAS AGREED TO RECITIFY THE LATE PAYMENT ON MY CREDIT. XXXX IS THE ONLY BUREAU TO REPORT SUCH UPDATED INFORMATION. TRANSUNION AND XXXX ARE STILL REPORTING THE LATE PAYMENT. THIS NEEDS TO BE CORRECTED ASAP. I HAVE ATTACHED THE LETTER FROM 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 2020-09-15
Company: EQUIFAX, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3500.00}, {$20.00}, {$1600.00}, {$15000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3500.00} -This is not my account. 


-- CLOSED ACCOUNTS 2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20.00} -This is not my account. 

3. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 


-- XXXX ACCOUNT 4. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: Bridgecrest Acceptance Corporation
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have contacted your company numerous times to get this issue resolved. Pursuant to 15 USC 1681 ( 2 ) '' ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; '' SHOULD BE EXCLUDED FROM A CONSUMER REPORT. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. The credit card is my Social Security card. This is the credit card I used to originate every consumer credit transaction. Your company has violated this law numerous times when you did not disclose if I wanted this reported on my credit report neither did you give me the option to opt-out of it being reported. This decision was not yours to make and therefore means you violated my consumer rights and the law. Have thIS account removed immediately from my credit reports.

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 2018-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I joined XXXX  to run a credit report for all three bureaus. The report clearly shows that I do not have any delinquent accounts or late payments reported to any of the three bureaus, however, XXXX and Transunion both show that the reasons for 'harming my score ' with them are for 'Serious Delinquency ' and 'Late Payments. ' Transunion even states that I had a serious late payment 1 year and 10 month ago, however, they could not tell me which account it was.

There is the problem. I contacted both companies and they couldn't help me since I could not give them an account number for which I am having the delinquencies. I don't have any delinquent accounts yet my credit scores are being punished by those two bureaus.

I have attached the two reports and a screenshot.

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