BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
On X/XX/16 went to XXXX XXXX for missing engine and motor trouble. They .Installed broken spark plug and misgapped the other plugs according to another garage, Failing service with XXXX I advised XXXX NOT to pay the charge of {$440.00}. XXXX has neglected to respond to my request for refund and chargeback, Received several phone calls from XXXX customer service employees XXXX and XXXX XXXX. They were to investigate. Somehow XXXX discovered that I had additional expense of $ XXXX.and sent me a check for same. I told XXXX about this as it proves guilt and liability.

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 2023-04-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: 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:
The following items continue to report on my credit report without my permission, in violation of federal law. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-09
Company: United PanAm Financial Corp.
State: VA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Complaint regarding a Retail Installment Contract and Security Agreement dated XXXX/XXXX/XXXX assigned to United Auto Credit XXXX by a Virginia auto dealer named XXXX XXXX XXXX XXXX. The used vehicle secured under that contract, a XXXX Toyota Camry, has not operated since XXXX XXXX, XXXX because of failure of the XXXX Liter, XXXX cycle XXXX XXXX XXXX engine. Total Cash Sale Price : {$7900.00}. I paid {$2000.00} cash down at sale. Financed {$5900.00} under the Retail Installment Contract for 33 months at 24.99 % APR. The dealers XXXX XXXX XXXX as of XXXX/XXXX/XXXX listed Final Loan Value as : {$5200.00}. The current estimate given to make the Toyota Camry fit for use because of the required replacement of the engine is more than {$4000.00}. I have paid all payments due to date to United Auto Credit XXXX under the terms of the Retail Installment Contract. I have maintained full comprehensive auto insurance covering the vehicle, and United Auto Credit XXXX 's security interest in the vehicle, through XXXX XXXX Company. The terms of the Retail Installment Contract state : " Any Holder of this consumer credit contract is subject to all claims and defenses which the Debtor could assert against the Seller of goods or services obtained pursuant hereto or with the proceeds hereof. '' A XXXX XXXX XXXX Bulletin, dated XXXX XXXX, XXXX for the Model XXXX engine, entitled " Engine Oil Consumption '', states, in part : " The piston assembly has been changed to minimize oil consumption. '' The dealership represented at the time of the XXXX/XXXX/XXXX sale that the XXXX engine was " brand new ''. The dealership knew at the time of sale that the piston assembly repairs required in the XXXX XXXX XXXX Bulletin had not been made to the engine. The Seller knowingly misrepresented the condition of the engine component on the Toyota Camry and knowingly misrepresented the value of the security interest in the vehicle for the Retail Installment Contract and Security Agreement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-31
Company: PNC Bank N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
PNC is such a fraudulent organization, they told me that me my account balance would be restored by XX/XX/20. They have hundreds of cases like mine where they have decided to temporarily credit the account while investigating the charges. 

They have advertised " zero fraud liability '' and have also advertised a temporary credit no later than 10 business days from the day that I disputed the charges. 

10 days have come and went, and my account balance states that I have {$15000.00} available to spend as of XX/XX/20, but they will not allow me to spend any of the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. But despite all the complaints I sent to CFPB and Transunion, nothing has changed! So once again, I would like to request the suppression of these items from my credit report, which is the result of a fraudulent item origination and identity theft. These fraudulent items should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. I have sent my documents, the FTC report I filed on their website to make things clear that I am an IDENTITY THEFT VICTIM. I am trying to obtain credit and it is causing me too much emotional and financial distress because of these items that do not belong to me which is reported erroneously. I am in desperate need of these items to be REMOVED and BLOCKED. 

XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX  XXXX Date XXXX Balance : {$550000.00}, XXXX XXXX XXXX XXXX XXXX Date XXXX Balance : {$4900.00}, XXXX XXXX Date XXXX Balance : {$8200.00}, XXXX XXXX Date Opened : XX/XX/2017 Balance : {$4500.00}

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 2016-11-03
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Chase Bank restricted my account, without any notification to me. Then says they are going to close it. When I called on XXXX, the lady implied that the closing of my account would be in a few days. Then I 'd receive a cashiers check in the mail within XXXX to 10 business days. I called in today to get a status and the lady told me pending the closure of my account, I 'd receive my check in XXXX to 10 business days. I demanded to know when my account would be closed by Chase and she said it 's scheduled to close on XXXX XXXX. Then in XXXX to 10 business days from that date, they will mail my check. All my money is in there, I have no resources to pay my portion of rent, food, gas, ANYTHING. I did not want to close my account, I have no idea why this is happening. This is unjust and they are going to put a family on the street and can not even give me a reason why they did this. Nobody has the right to hold ALL someones money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
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:
Information on m credit does not be long to me.

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 2022-04-13
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:
With my recent credit report, there is late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following account needs to rectify, it indicates the company name, balance and date last reported : XXXX  / {$5300.00} / XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21
Company: American Coradius International LLC
State: MA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
Company is trying to collect on a debt that had not been validated by XXXX previous companies. company stated that " You are in a wage garnish-able state. '' That in itself is an FDCPA violation. They continue to " Robo-Call '' following notification of cease and desist. they have violated numerous laws within the State and Federal levels, and potentially subject to civil liabilities under FACTA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-19
Company: Receivable Management Group, Inc. (GA)
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have insurance through the Veterans Affairs purchase offices. I am a XXXX Veteran and the issues of this company being paid by the purchase office of the VA care setting. This company cliams that the VA did n't pay them. They are charging me XXXX dollars and are harassing my employment, school, wife, and life. They are a comoany based out of their home. They have commited fraud and want an investigation into what their doing. Highly illegal practices. All three of my XXXX scores have been lowred by them. I 'm also military which have certain laws protecting me. I need help with this case please.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23
Company: HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I had a {$600.00} withdraw taken from my husbands checking account that I am joint on. He has worked hard and overtime for his money for months. They claim there is a checking and savings charged off from 2008. I have no clue what this is from. Plus over {$1000.00} is from fees and charges. What on earth kind of bank would let an account accumulated over {$1000.00} in fees and charges. This is downright nuts. They will not provide me any proof of this information and how on earth can a savings get a negative balance? I want immediate action to have this money put back in the account. My name is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: Shellpoint Partners, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage for an investment property with Shellpoint Mortgage Servicing. 
They forced me to escrow funds for r.e. taxes and insurance. The first installment of Illinois r.e. taxes in XXXX County was on XX/XX/2020. I called Shellpont numerous times, emailed and faxed my r.e.tax bill twice to no avail. 
My r.e taxes are delinquent and there are late fees there already. 

Please, help me resolve this situation.Here is the information for my lender : NewRez LLC dba Shellpoint Mortgage Servicing XXXX. XXXX   XXXX XXXX, SC XXXX Main Office NMLS ID # XXXX ( XXXX ) XXXX Loan # XXXX Thank you XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19
Company: EDvantage LLC
State: FL
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
For the past 2 years I get numerous calls as early as XXXX as late as XXXX from Tuition Options. I had a scholarship that covered my classes. I sent letters, emails and talked to them via phone to resolve this with no resolve. I asked the calls to stop, but no luck. 
I attended XXXX XXXX XXXX in 2013. 

I have phone recordings with times/dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25
Company: Nelnet, Inc.
State: IA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
In attempting to recertify my income-based repayment plan with Nelnet, I have received misinformation, undue delays, and I am trying to be pushed into unnecessary forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12
Company: Choice Recovery, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I 've been going to this dentist, here in XXXX XXXX, CA for a couple of years. In XXXX of this year, I received a collection notice from them. I called questioning the letter, since I had just had an appointment and was asked to pay {$60.00} ( my out of pocket expense ). When I got the collection notice a few weeks later, I called and told them about this collection letter and was told that the person that handled billing was not in, so I left a message asking for a return phone call. I got a call from someone and I explained the situation and she looked at my file and she told me that I had no balance. I was then called to confirm an appointment for XXXX. If I had an account in collections, then why did they call me to confirm an appointment? I canceled the appointment due to this unresolved matter. Any company you owe to, would not do business with you until you pay what is owed. My concern is that I was first told I had no balance ( after my out of pocket expense ), and then I am in collection, without an itemized statement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
My daughter went to the XXXX after a wreck she was in with me. She currently has XXXX and did at the time of service. Her father has full custody and is responsible for all medical bills. At the time she needed med attention right away so I took her. They contacted her father and got insurance information. A few day later I got a call from the hospital saying the insurance was denied because the car insurance of the other driver was responsible and got the ticket. Her father contacted them and they agreed to pay the bill after all. About a month later I get a call from United Revenue Corp. I explained everything even gave them her fathers number. They stopped calling me then I saw this company on my credit report. I called them and they were very rude. Said I had to pay this. We called the hospital and they claim XXXX paid the bill. I told this collection agency this but they said they have not received anything form the hospital. I told them even so I am not responsible for medical bills for the children as part of my divorce agreement. I am solely responsible for child support and educational bills for my children. They did not want to hear it my ex husband called they would not even talk to him about the account. Somewhere between XXXX and the hospitable and them there records are messed up and this is effecting my credit now

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
XXXX/XXXX  has been reporting incorrect information on my XXXX  and Transunion credit reports for years. On multiple dates with the last being XX/XX/XXXX XXXX/XXXX  couldn't even find an account # XXXX**** with my name on it since it was opened XX/XX/XXXX. instead of correcting the error of 30 days late on XX/XX/XXXX they made reports worse by changing to now status as 30 days late instead of paid in full and adding another LATE for XX/XX/XXXX which is impossible since loan had matured and was paid in full and was never late.. I've asked XXXX/XXXX  on multiple occasions to send me proof of original contract with signatures and the proof I was 30 days late. Every time they have refused saying thy can't find cause of age on account. this is the only mark on my credit report and its affecting my score by 30+ points. Also contact info is different with each report with most being disconnected XXXX  FORMERLY XXXX # : XXXX**** XXXX XXXX XXXX   XXXX XXXX , AZ XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: Convergent Resources, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Received letter out of the blue. Years ago, advise not to pay XXXX XXXX. Now, at least 20 years later, a letter. Need advise Thank you

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 2020-03-31
Company: EQUIFAX, 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 cant understand how this is happening to me. I have a fraud Alert on my credit files, how is it possible that these company that i did not give consent to, is able to open accounts using my personal Information.  theses Account are fraud i did not authorize anyone or any company to open these accounts i want them removed from my credit files Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 also have enclosed copies of the ftc identity theft affidavit please delete the items as soon as possible.

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 2020-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
In my Transunion credit report, My mortgage account serviced by XXXX shows the last credit update/activity reported was in XX/XX/XXXX. While the status is " OK '', none of my payments after XX/XX/XXXX are reflected on my report. 

Of note : The account was placed under Chapter XXXX bankruptcy on XX/XX/XXXX and discharged on XX/XX/XXXX. None of my post-bankruptcy discharge payments are reflected on my Transunion credit report. 

Transunion claims they have not received any information on this account since XX/XX/XXXX, and XXXX claims the 'account is reported per the contractual status after the completion of the discharge as per the bulye report. ' As they each blame the other party, I can not determine where the true problem exists.

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