BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-21
Company: First Advantage LNS Inc.
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Apartment complex automatically renewed lease after having written them to close lease at the end of original terms. The complex never did so, a few months later I received a letter from a dept collector in an attempt to collect this debt that I was not away of. Since I had wrote the originator of this debt telling them I would not be renewing. I then wrote the collection agency request ion information of verification of the debt, however I never received any information back from the collection agency. I have never received any calls or attempts to colllect this, so I thought the matter was closed until I saw it on my credit report. Now, it shows on XXXX different credit reports under XXXX different names.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06
Company: Andreu, Palma & Andreu, PL
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I was asked to not be contacted 3 times by a certain debt collector, and continue to receive letters that are inaccurate and should be consider harassment. They need to be investigated for not operating ethically or legally.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
I was NEVER late on my Bank of America account. I had the account paid to zero and was on a paperless billing cycle. The information on my credit report that has been reported by B of A is causing financial harm to me as a consumer as it's effecting my ability to obtain financing. It is INCORRECT. I have exercised my rights under the FCRA and have disputed this four times with XXXX XXXX, XXXX, XXXX AND B of A without any correspondence of any kind. I have not received any verification of accurate info. I am disputing this information as it contains erroneous AND unverifiable info that has caused severe damage to my credit worthiness. Please investigate and remove this inaccurate info. I was NEVER late on 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 2022-06-01
Company: Experian Information Solutions 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 trying to view my credit scoring and report, but the Reporting agencies are attempting to charge me to view my information, although its supposed to be free.

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 2022-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 trying to view my credit scoring and report, but the Reporting agencies are attempting to charge me to view my information, although its supposed to be free.

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 2016-11-20
Company: Receivables Performance Management, LLC
State: CO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
A company named Receivables Performance Management has placed a false and fictitious collection that was previously filed by another collection company XXXX XXXX and removed back in XXXX 2016. This is the ongoing debt that was paid to XXXX XXXX when they installed my service. The initial installation had a defective receiver and they had a technician come out and replace it and he took the defective receiver with him. They billed and charged me for the defective receiver I never had. I made many attempts to get XXXX XXXX to reimburse me for overcharging me and they never refunded my money. In addition they falsely advertised they would send me a {$200.00} Visa gift card for signing up with their service, which they never delivered to me. I am attaching a copy of my credit card statement to demonstrated I was falsely billed and overcharged for their services. In addition I am attaching a copy of the XXXX receipt of proof the last receiver being returned to XXXX along with copies of the previous dispute in XXXX and correspondence with XXXX. I am not sure how a collection company can falsely attach a fictitious claim against me and not be held accountable for their crooked actions. Again, my statements are true and correct and you may contact me at XXXX or XXXX or XXXXXXXXXXXX to discuss the matter further.

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 2022-06-01
Company: EQUIFAX, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX I checked my Equifax Credit report and found several inquires on the same date that I did not initiate or authorize. I contacted Equifax and during my XXXX hour phone call was advised that they tried to verify the inquiries and could not. 
I advised them that since they could verify the hard inquires they needed to be removed from my credit report. 
even after advising the the inquiries could not be verified, they refused to remove them and stated I needed to file a report with the FTC to have them removed. 
The inquiries were made by the following companies on the same date : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There was also an additional hard inquiry made by XXXXXXXX XXXX that I did not authorize on a different date. 

Equifax is intentionally hindering me and other consumers from correcting inaccurate information on our credit file and it is having direct negative effects on my ability to obtain the credit I deserve by intentionally taking action to negatively affect my consumer credit score. 

Additionally, Equifax is deliberately blocking my ability to retrieve dispute results from their website and not providing me updated credit reports when changes are made due to disputes that are filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I started school XX/XX/XXXX and took a leave XX/XX/XXXX and never went back until XX/XX/XXXX.I got access to my Student Portal where I noticed a disbursement of {$4400.00} that was suppose to go to me but I never received.During that time our remaining Financial Aid Money would be deposited to a Bank of America Prepaid Cash Pay Card.I brought it to my schools attention and they began investigating trying to locate the money and find out what happened to it.Like I mentioned I was n't aware of that disbarment because I took a leave XX/XX/XXXX and did n't go back until XX/XX/XXXX.It took the school a while to give me answers, they eventually contacted Bank of America to try and get some answers and all they sent thru an email was a statement showing that there was a deposit made on XX/XX/XXXX in the amount of {$4400.00}, that 's it.My school went ahead and replied saying that we were actually trying to find out what happened to the money, how was it used or spent because I never touched it, so again they replied with a short answer saying Student used all funds, which in fact I never did.They did n't provide any information about how it was used, spent, was it withdrawn? Used somewhere? Nothing! I want to find out what happened to that money because I never saw it or used it. This has caused me a lot of XXXX, XXXX and XXXX. Bank of America had agreed to send me all statements from XX/XX/XXXX to this current day.They emailed me but only sent XX/XX/XXXX-XX/XX/XXXX to current day.I could n't file a complaint or even dispute it cause according to them its been more than 365 days which I understand but there has to be records of how the money was used and who used it because obviously to withdraw that amount of money an ID is required. I had my card in a safe place so there was no chance for anyone to have used it. Also Bank of America mentioned that if the money does n't get used in certain amount of time it gets returned to the sponsor which is my school and the school stated that they never received anything. I please ask that you help me, I want my money and I want to find out what happened to it. Thank you so much and hope to hear from you soon.

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 2016-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I get an account with XXXX Bank with XXXX balance who supposed to be closed on XXXX and still showing open with all my XXXX credits 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 2022-06-01
Company: PNC Bank N.A.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My account ( and many others ) have been disconnected from XXXX. I called customer service where an agent told me she could " absolutely help me with that '' and said she needed to verify my info and would be right back. Then she proceeded to place me on a seemingly endless hold. I hung up after XXXX minutes. It appears PNC may be permanently blocking connection to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: EQUIFAX, INC.
State: CA
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 am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: EQUIFAX, INC.
State: LA
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:
On XX/XX/XXXX XXXX XXXX Placed an unauthorized inquiries on my report On XXXX XXXX XXXX XXXX XXXX placed an unauthorized inquiry on my report On XX/XX/XXXX XXXX  XXXX XXXX  placed an unauthorized inquiry on my report On XX/XX/XXXX XXXX XXXX placed an unauthorized inquiry on report On XX/XX/XXXX XXXX XXXX  XXXX XXXX placed an unauthorized inquiry on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have XXXX loans with Navient right now. One is categorized as a direct unsubsidized loan, and the other is categorized as a direct subsidized loan. Navient is claiming that those loans are XXXX the same and have altered payment history to favor interest payments even when I specify principal reduction payments. They have gone so far as to reverse payments and increase my loan balance only to re-allocate payments again to increase interest payments and inflate my outstanding principal. They keep claiming that it is not them that is taking this action but the department of education which is a false statement. I created a login with Federal student aid to verify if Navient 's claim is true and it is not. It is recorded as XXXX loans. Even the automated letters from Navient claim I have multiple loans and I did recieve correspondence indicating that they were changing my loan due dates to match up for my " convenience ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09
Company: The CBE Group, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have received calls on numerous occasions from a collection company known as CBE Group. I have received calls several times a day from this company. Each time that I have answered, I explained to the agent that we do not know the person they are looking for and to please remove my number from their call lists. I have had this number for almost XXXX years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: Experian Information Solutions Inc.
State: AZ
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:
THESE INQUIRES ARE FRAUDULENTLY WITHOUT MY AUTHORIZATION AND NEED TO BE REMOVED IMMEDIATELY. THESE ARE NOT OPEN ACCOUNTS AND DID NOT HAVE MY AUTHORIZATION. 

XXXX XXXX XXXX XXXX XX/XX/2022 Experian XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 Experian

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 2021-01-12
Company: EQUIFAX, INC.
State: NY
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 a victim of identity theft, the account in mention is not mine, I don't know how anyone can verify a fraudulent account, this account is not mine and i had nothing to do with it

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12
Company: First Advantage LNS Inc.
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I recently moved out of XXXX XXXX Apartments owned and managed by XXXX XXXX in XXXX, Delaware. My deposit has been held due to improper accounting and the local office, charged with clarifying any complaints, has yet to act to correct this claim with the corporate office. I have receive no communication from the corporate office after numerous attempts to rectify the situation. Instead, I have been issued a collection request from National Credit Audit Corporation. I have scans of my original lease documents and the money orders used to zero any balance remaining on my account. The local office claims they have no record of the money orders, although I have emailed them the scanned copies of the receipt I received in person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 Account number XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXX XXXX XXXXXXXX XXXX account XXXX XXXX XXXXXXXX XXXX XXXX account number XXXX All have 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 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 2016-07-19
Company: PNC Bank N.A.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
After falling behind on our mortgage in 2011, my ( then ) husband and I were forced to file for Chapter XXXX Bankruptcy. We completed our 5 years of payments and our bankruptcy was discharged roughly 30 days ago. We are battling with PNC mortgage on past due payments that should not be owed, PMI that should not be charged and escrow that is not calculated correctly, nor providing any statement on escrow.

Company response to consumer: Closed
Consumer complaint received 2016-08-06
Company: Andreu, Palma & Andreu, PL
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
A joint credit card that my ex husband and I had was sent to a collection agency. I agreed to pay them starting 2009. My ex husband filed bankruptcy but I did not. This credit card was discharged in his bankruptcy case. The collection agency stopped taking payments out of my bank account at that point. Now a new attorney office/collection agency is coming after me for the balance even though it was listed in bankruptcy and paid through my ex husband 's bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
On XX/XX/XXXX at XXXX am I called to make a payment on my car loan. I told the customer service representative that I would like to make a payment on my loan and she said XXXX I have your loan number. I provided the loan number to the representative and she indicated that it was a XXXX account number and I had reached Huntington National Bank. We sent the information about your new number on Friday with your new loan number, have you not received it. I indicated that I had not received it. 

The representative was not friendly and had a tone when I was not a Huntington National Bank customer. I provided my SSN and the make and model of my car. She said that my payment would be 30 days past due, I indicated that 30 days would be on Monday and this is Saturday. They said that they do n't process payments on Saturday and it would reflect at END OF DAY Monday. I volunteered to bring cash into a branch and she indicated that it would not change anything. 

Why are they open on Saturdays and accepting business if they do n't apply payments or deposits on Saturday? XXXX could take deposits and apply payments on Saturday. This is unfair and deceptive, I did not ask to be a Huntington National Bank Customer, I was very happy at XXXX. Now a big conglomerate bank has purchased my bank and they do n't give enough notice to tell me that the practices have changed. 

I want Huntington National Bank to not put a bad mark on my credit for this payment as I do n't believe that there was timely disclosure that I would be moving to a bank that is OPEN on Saturday but does not apply payments or deposits on Saturday.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I have received reports showing that a company known as Equifax Mortgage_SOL, a subsidiary of Equifax CREDIT BUREAU IS BEING PAID BY SOME OTHER COMPANY TO MAKE HARD CREDIT INQUIRIES INTO MY CREDIT FILE WITHOUT MY PERMISSION. tHIS HAS BEEN GOING ON FOR ABOUT 18 MONTHS AND I HAVE BEEN STONEWALLED BY EQUIFAX AS TO WHO IS PAYING THEM AND RE FUSES TO GRANT MY REQUEST TO CEASE AND DESIST MAKING THESE HARD CREDIT INQUIRIES WHILE REPRESENTING TO OTHER COMPANIES AND CREDIT BUREAUS I AM EXCESSIVELY APPLYING FOR CREDIT. I AM NOT DOING THIS. NOW THESE PRACTICES ARE HARMING ME FOR HAVING MY MORTGAGE REFI DENIED FOR EXCESSIVE HARD CREDIT INQUIRIES THAT ARE BEING MAINTAINED BY EQUIFAX FOR EXCESSIVE PERIODS OF TIME THAT ARE FALSE HARD CREDIT INQUIRIES IN THE FIRST PLACE. THIS IS HARMING ME BY REDUCING MY CREDIT SCORE AND PUTTING ME INTHE SUBPRIME MORT GAGE MARKET AND BECOMING A VICTIM OF PREDATORY MORTGAGE LENDING PRACTICDS BY PRIVATE EQUITY FIRMS USING TABLE LENDERS TO MARKET THEIR SECURITIZED TOXID LOANS. EQUIFAX HAS BEEN STONEWALL ING MY COMPLAINT ABOUT THIS PRACTICD FOR ALMOST TWO YEARS AND IT ALSO VIOLATES THE CONSUMER PROTECTION LAW KNOWN AS THE FEDERAL FAIR CREDIT REPORTING ACT AND IS AN UNFAIR PRACTICE VIOLATING FEDERAL TRADE COMMISSION RULES AND REQULAIONS AS WELL AS THE CONSENT AGREEMENT TO END THEM BETWEEN EQUIFAX AND THE NEW YORK ATTORNEY GENERAL 'S OFFICE IN XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07
Company: Cascade Capital, LLC
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Some 5 to 7 years ago I received a telephone bill from XXXX for {$370.00}. I paid the bill in full. Years later I received a collection notice that I owed XXXX {$370.00}. Not wanting to ruin my credit rating, I paid the bill AGAIN! Now I have received another collection notice from a different collection agency, stating I owe XXXX {$370.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation