BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-31
Company: Source Receivables Management LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received repeated phone calls & a letter from Source Receivables Management in relation to a XXXX XXXX XXXX debt which I am wrongfully accused of not paying. While I do have a XXXX account, the account in reference ( under the name " XXXX XXXX XXXX XXXX is not one that belongs to me ( I am 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 2021-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
As I have not heard back from TransUnion in over 60 days, regarding my demand for proof, since my notice of dispute dated XX/XX/2020 and you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact 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
Consumer complaint received 2021-03-12
Company: MNE Services, Inc
State: CO
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I am receiving a call from a gentleman, that states he is a lawyer for a business under the name FAST CASH a payday loan service. He states that I have taken a loan out with them of {$600.00} on XXXX, that I have no remembrance of. There is no indication of such account on any of the three credit bureaus. He states that I now owe {$1300.00} and must pay or I will be sued. He seems to only know so much about the business he represents. Also sent me a email with an unprofessional letter head, under the email address XXXX. The business name on the letter head is XXXX XXXX XXXX XXXX, I can not find them with the XXXX or anywhere else. The address on the email traces back to a shopping center in which i called and has no firm in it. This man continuously calls my place of work. The company he claims to represent says they have no record of me.

Company response to consumer: Untimely response
Consumer complaint received 2022-10-31
Company: CREDIT ACCEPTANCE CORPORATION
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is XXXX XXXX submitting this CFPB complaint to you today to inform you that I was a victim of identity theft and the Account you are reporting on my Credit File was the result of such crime. Under the Fair Credit Reporting Act, I have the rights to dispute any accounts and information that resulted XXXX to identity theft and have them removed completely from my Credit File. Under the provisions of the Fair Credit Reporting Act section 605b, I am requesting that you stop your erroneous reporting and have the account : CREDITACPT XXXX Balance : {$12000.00} ; removed from my Credit file as soon as possible. The Account I am disputing does not relate to any transactions that I have made or authorized.

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 2022-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX ( Date Opened : XX/XX/XXXX, Balance : {$16000.00} ), XXXX XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Balance : {$16000.00} ), XXXX XXXX XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Balance : {$31000.00} ), XXXX XXXX XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Highest Balance : {$46000.00} ), XXXX XXXX XXXX  ( Account Number XXXX, Open Date XX/XX/XXXX, Highest Balance : {$1000.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2015-11-19
Company: Receivables Performance Management, LLC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have contacted RPM several times when I call from my work # I 'm disconnect purposely and then when I call back I 'm asked to hold before they even ask my name. They can definitely see the number your calling from. So I called a couple of weeks ago to dispute the account as well as send in documentation to support that I have contacted the original carrier as well who verified my account is {$0.00} and verified that I was to receive a refund check which I did. So RPM is giving me the run around I asked for a supervisor and the young man stated that he can get me to the " escalation team '' and then disconnected me. I totally get it if I owed this I do n't and he said it was just sitting a supervisors desk call back in a few weeks. This debt which is incorrect has been deleted from XXXX of my credit reports and they are holding up the last I 'm not sure why. I can definitely send the copies of the deleted reports as well as my refund check.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I got scammed in XX/XX/XXXX. The scammer had me made payments to her Bank of America account on XXXX different dates : XXXX/XXXX/2015 for {$6800.00}, XXXX/XXXX/2015 for {$19000.00} and XXXX/XXXX/2015 for {$16000.00}. The account 's holder name is XXXX XXXX. I filed a fraud claim with XXXX XXXX on XXXX/XXXX/2015 but no replies from the fraud department. I also had filed police report, FBI report ( IC3 ) and FTC report. Since I did n't get the diplomatic package in the mail as promised, I should get my money back. The whole thing was a fraud.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I 'm writing to report an inconsistent, inaccurate and incredibly deceitful customer service practice relating to my mortgage account ( account number ending in XXXX ) with Bank of America. No address changes on any accounts should be made without documenting the conditions surrounding the address change.

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 2022-10-31
Company: EQUIFAX, INC.
State: CT
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 am a natural person, I am a living human being, and I have right under 15 USC 1681.

Equifax is governed by USC 1681. And they have violated my rights numerous times. I demand the accounts listed below to be removed because According to 15 USC 1681 : I have the right to privacy and did not give Equifax, XXXX, and XXXX written permission to furnish these accounts. I reached out about my accounts and wrote letters that have not been deleted. I sent a letter to Equifax, XXXX, and XXXX here is my tracking number... However, the credit bureaus said they completed an investigation and everything is 100 % accurate. 

I also have received removals from one credit agency but not the other agencies. In accordance with the Fair Credit Act, everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my accounts were properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. The grounds for removal they also violated my rights under 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 an account without my written instruction XXXX XXXX both accts ) XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( both accts ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: EQUIFAX, INC.
State: NC
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:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I applied for a modification after having a car accident and falling behind on my mortgage. Bank of America continuously denied me claimed they never received paperwork and was very uncooperative. I made a payment towards my mortgage for XXXX and the bank misappropriated that payment. They used it towards late fees which they increased by 100 % and interest. The payment was supposed to go towards principal and the late fees waived with the interest applied to the back end of the loan. I am tired of Bank of America and at this point I need someone who is willing to investigate my first application for a modification and why my payment was not applied correctly, along with why my late fees went from XXXX to $ XXXX-XXXX. 
My mortgage is through XXXX and they are n't helpful although they were aware of the issues that I had with Bank of America and continue to have. 
My name is XXXX XXXX my mortgage company is Bank of America and my telephone number 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 2022-10-31
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Received msg on computer that it was infected contact info from a supposed XXXX support team identified himself as XXXX XXXX and a badge ( ( XXXX ), case # XXXX tele # XXXX directed how to view programs on my PC and delete invective program. All a mistake on my part. 
Later I received a calll from XXXX who identified herself as XXXX, an employee in the fraud department of my bank, alleging that employees were distributing customer 's info. She also claimed that someone had hacked my account. She to my chagrin convinced me to have my bank do an international wire to a bank in XXXX XXXX which help trap the hacker. Foolishly I did. on a Saturday afternoon after XXXX, which meant the international wire transfer wouldn't transmit until Monday. I contacted the fraud department at my bank ( Chase ) at XXXX on Monday to cancel the transfer and also filed for cancellation at my branch but the transfer was completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-31
Company: Lamont, Hanley & Associates, Inc.
State: AR
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
On XX/XX/XXXX, I was looking over my credit report. I noticed a company on it named Lamont Hanley and Associates. It was showing original creditor XXXX XXXX XXXX amount {$180.00}. They reported on XX/XX/XXXX again XX/XX/XXXX. I never heard of this company Lamont Hanley and Associates. I never received a call from them about a debt. I did n't even know they ( Lamont Hanley and Associates ) was on my report this long. So on XXXX/XXXX/XXXX I called the company. I spoke with a guy name XXXX. I told him I was calling cause they was on my credit report. He got my information and looked up the account. I told him I never had insurance with XXXX XXXX XXXX. In XX/XX/XXXX I was with XXXX XXXX through XXXX XXXX XXXX of XXXX XXXX. He informed me that They were the same company. I asked If, I completed paying my month billing why was they filing on my credit report? He said I owed a cancellation Fee for a policy on a XXXX Chevrolet Trailblazer. I told him my Ins. was month to month and with XXXX. I was not aware of a cancelation fee from them. He appear to become angry by raising his voice. He stated loudly, you signed a lease. The cancellation fee is in the declaration page. I then asked, can he could validate that I owe this debt? Send me a copy of the declaration page and bill. He again stated loudly " man this debt is five ( 5 ) years old. We will be calling, no, we wo n't be doing any dam thing. I then asked him if they could remove their name off my credit report. He again stated loudly, you have to do a dam dispute with the credit bureau. He then stated in a loud tone it 's not coming off then either. He then hung up the phone on me. This guy was so very rude. They are on my credit report and refusing to verify why, this company l do n't know. How they got my info I do n't know, if they bought it or they collect for XXXX XXXX. Nobody should have to pay for switching companies. XXXX XXXX never called me that I owe a debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
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 sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; Medical XXXX Balance : {$280.00} ; XXXX 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 non-monetary relief
Consumer complaint received 2021-01-14
Company: Chime Financial Inc
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I received a notification that there was a Pay Friends transfer in my Chime banking account. I knew that I hadnt made ANY transfers and had my phone in my possession at all times. I logged in my account and {$740.00} had been transferred that was NOT authorized. 
I immediately disputed the item via online AND by phone. I was told to complete a form, which I compiled immediately and returned via email. Im not being told that it could take up to 90 days and that it is doubtful that Ill receive a credit. This was transfer to another Chime account so they have the username and all the information they need to investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10
Company: Nationwide Debt Management Solutions, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This agency is calling repeatedly every day to my work number and my coworkers - up to 3 times per day harassing my coworkers. This has been going on for weeks and they have been told numerous times to not call.

Company response to consumer: Closed
Consumer complaint received 2022-10-31
Company: Nelnet, 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:
I submitted a letter to the XXXX Credit Bureau XX/XX/XXXX to update this suspicious information. I've talked to the bank & they've agreed to remove the account. BUT XXXX has some internal block which they're claiming they can use to not remove the account because they feel they're above the law. When questioned why they're not accepting the dispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute letter ( which is a FEDERAL LAW ). So XXXX feels they're above the letter of the law & will not explain their policy... 
As required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at TransUnion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

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 explanation
Consumer complaint received 2015-06-10
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: TX
Product: Payday loan
Issue: Can't contact lender

Complaint:
Received an email from XXXXXXXXXXXX stating that my loan was denied ... Since I would never use a payday loan company and did not submit an application to them I was surprised to receive the notice. Because XXXX of my debit cards had been compromised as well, this made me exceptionally nervous. 
The email had a phone number which is also the number on their website and on the XXXX emails I have subsequently received from them. I called the number XXXX different times and held for XXXX and a XXXX minutes, then XXXX minutes, then XXXX and a XXXX minutes and NEVER did anyone come to the phone. 
I emailed them and told them of the problem at the same email address from the email to me and it is also suggested on their site and on the response emails. 
I received XXXX emails each saying they have no record of my email address and can not help me. 

How did they ever send this to my email if they did not have it? Why can they not simply look at the name and other info? 

In my opinion they are purposely refusing to assist me in this extremely important matter. I can only assume they or their employees are likely to be involved in this given their obstructionism. 

Thanks for any help you can provide

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02
Company: Navient Solutions, LLC.
State: WA
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 tried to contact Navient, the company which is handling my student loans. I am in the process of applying for loan forgiveness based on XXXX, and have been continually harassed for payments which i can not afford to make while in that process. I tried to call the company to find out why i am still being asked for payments, and what i need to do, but could not get past their automated answering system which refused to transfer me to a representative and then hung up on me.

Company response to consumer: Closed with explanation