BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-22
Company: National Credit Systems,Inc.
State: AZ
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 started receiving collection notices from a collection agency that were connected to an apartment building that I had never heard of prior. I contacted them and they asked about my relationship to some person I had never heard of. They asked for the last XXXX digits of my social security number and then told me that the numbers did not match what they had on file. I explained that we owned our home and that we had never rented from this agency and I asked them to stop contacting me. I checked my credit report and found that they had reported the bad debt to the credit bureau so I then filed a report with the credit bureau stating that I was being targeted for a debt that was not mine. The credit bureau investigated the claim and reported back to me that they found my complaint to be valid and they removed the debt from my credit report. When my husband and I started the process of obtaining a mortgage loan to purchase another property, I found out that the collection agency was still reporting the debt to XXXX other credit bureaus. I then contacted them again, stating that we had already cleared this up once but they refused to remove it without " the proper paperwork '' which they promised to mail to me, again, stating that the information they had on file did not match my information. The paperwork they mailed to me was a form to report identity theft, which had not occurred. Nothing on the form was relevant and the only people identifying me as the debtor was this agency. I then contacted the XXXX additional credit reporting agencies and had them investigate the report. Both of them responded the same as the first. They told me that it would be removed from my credit report. 
That was 6 months ago. I thought that the problem was resolved but today I received another letter stating they are still attempting to collect this debt. I have checked my credit report and find no reports of collections from this company but I feel it is only a matter of time before they report it again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-24
Company: CASHCALL, INC.
State: TN
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I needed a loan to help with my finances and got one originally with XXXX XXXX. They then sold the loan to XXXX XXXX, who in turn sold it to Cash Call. XXXX XXXX has now ceased operations, and Cash Call is not licensed in the state of Tennessee. While I was aware of the financing terms upon taking this loan, I was not aware it was not licensed in my state. I was also not aware of usury laws and limits on percentage rates for loans. In looking up cases involving these companies, XXXX XXXX tried to use the affiliation with a XXXX as a way around these practices, but as shown when the CFPB sued them ( see attachment ) this did not exempt them from state laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA
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:
On XX/XX/2021 I asked Carrington Mortgage Services to validate and verify information on my credit report. I have received no correspondence or documentation related to my request. I called XX/XX/2021 and XX/XX/2021 and both times was told that I should receive documentation in 30 days. I still have not received any correspondence while these negative marks are hindering my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I called Transunion, XXXX and XXXX several times to update my personal information. The representative refused to move address and names from my report that does not match my identification. I explained to them I did not live at the addressed listed on my report nor do I go by any of the other names reporting. I only wanted the name and address I gave them which is my legal name and address. I received an updated report only to find those names and addresses still listed.

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 2016-12-27
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Shopping for a loan or lease

Complaint:
I recently applied for a debt consolidation loan through One Main Financial, of XXXX. I provided my social security number, income details, address and rental history details, and very throughout information as to the credit card amounts and monthly payments I was looking to consolidate. 

The company is NOT XXXX in underwriting standards. I applied for the debt consolidation loan through their website XXXX https : //www.onemainfinancial.com/ ), then spent XXXX minutes on the phone with a woman in a call center re-confirming all the information I had input online. 

A local underwriter ( XXXX ) asked for income proof. I sent him my most recent federal tax return, photo ID and most recent bank statement showing paychecks being deposited. His local branch phone number is XXXX. 

I 'm self employed and can write off many business related expenses. This results in my tax return showing I earn far less than the paychecks I receive ( which they had on file ). They claimed they were only allowed to use the federal tax return as income proof. Called back & supervisor said the same thing. 

Here 's my gripe : At NO PLACE on the website, nor verbally was I told they can only accept a tax return as income proof. If I had known this up front I would not have spent an hour of my time with them, nor sent sensitive documentation. I feel I was descriminated against due to my XXXX self employed status.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TN
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I applied to a debt consolidation company XXXX for XXXX my debtors springleaf financial services. I informed numerous callers not to call my job about this situation to get in touch with me. The company continued to call my job day and night with my coworkers calling my house telling me that this company keeps calling. I informed XXXX about this situation I filled out and signed a harassment complaint form and sent to XXXX the companies. XXXX also sent in another form and the company continued to call. So XXXX told me to call the ftc, and ftc informed me to called consumer finance. Now I 'm at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: Navient Solutions, LLC.
State: TX
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:
Upon viewing my credit reports, I noticed my Navient Account number : XXXX has a discrepancies in the " Late Payment Status '' section of the listing. XXXX  and XXXX  reports that I was 120 days late which I was not. There are several inaccuracies violating the FCRA Requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: M&T BANK CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX XXXX, XX/XX/2021, my PIN number and ATM card were stolen. That night at XXXX XXXX  I called M and T bank and put a block on my card and account after realizing my card was missing. 

On the next day, Tuesday, XXXX XXXX, XXXX, I walked into my branch of M and T Bank and found my bank account was emptied of its money, about {$490.00}. 

At this point, I reported my ATM card stolen. We started disputing individual charges. We did about 3 charges of about 9 charges that were not made by me. Unfortunately, one of the charges we disputed was a charge I actually made. 

I came back to the branch on XX/XX/XXXX, XXXX and we disputed the rest of the charges made by the thief. 

The bank gave me a provisional credit of {$570.00}. 

Then the bank made a decision that the disputed charges were charges made by me because the person used my PIN to make the purchases. ON XX/XX/2021 the bank took that amount, {$570.00} back. 

The other potential reason was that some of the disputed charges were charges I actually made. But this was caused by a miscommunication by the branch manager and me. 

So the thing is, I reported the card stolen the next day to the bank. I didn't know the PIN was stolen also. The bank should refund me the money for the charges that were made by the thief. I have spoken to the bank 5 times and they refuse to return the money saying I was the one to make those charges since the PIN was used. 

The charges were : XXXX XXXX XXXX {$120.00} XXXX XXXX XXXX {$55.00} XXXX XXXX and XXXX  {$30.00} XXXX XXXX XXXX {$24.00} XXXX XXXX XXXX  {$13.00} XXXX XXXX XXXX {$44.00} XXXX XXXX XXXX {$10.00} XXXX XXXX {$63.00} XXXX XXXX  {$3.00} XXXX XXXX XXXX {$120.00}

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 monetary relief
Consumer complaint received 2017-12-06
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The company Santander Consumer continues to report a late payment every month for a account the has been closed and charged off since XXXX of 2015. It is  illegal to report a late payment to an account that is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: EQUIFAX, 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:
Attached in this complaint should be an FTC report filed on the FTC website and a notarized FTC affidavit by law you are required to block the fraudulent account within 5 days while you investigate. I have been trying to get this issued resolved for a while now it has been very frustrating, I have been studying consumer laws I have also hired an FCRA attorney he advised me to sue but I want to make this last attempt to get this issue resolved outside of court. If this issue is not resolved in a timely manner and my dispute is ignored or the account is not properly validated, I will be forced to file a lawsuit against you and the creditor that extended the fraudulent account in my name. 
If you do investigate and claim this account is accurate or is mine, I need a written sworn statement from a senior officer under the penalty of perjury that this account does in fact belong to me and also the method of verification they used to validate the fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
after a dispute submitted with Bank of America where I received the nevada unemployment benefits they in their resolution decide to charge my account back for almost XXXX they allege that there was not fraud that left my account negative but the rest of the money from my years worked in unemployment they never provide me with the money nevada ui said they sent it but when I call boa they won't unlocked my account because is negative. its been a horror movie leaving me with no money after years and years of work done Bank of America hasn't release almost XXXX $ from nevada ui. I HOPE SOMEBODY CAN HELP ME WITH THIS MATTER THANKS, 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 monetary relief
Consumer complaint received 2015-08-10
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I had an account with Citizens Bank. I contacted the bank about suspected fraud in 2012 and until this day I am still unable to open another account. When I call to speak with someone on the matter I get XXXX response so I do not know what steps should be taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
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: Account information incorrect

Complaint:
I was approve for a XXXX about two years ago. I was late one time back in XX/XX/2019. However, because I have auto draft setup, as a condition for loan approval. I was not notified until I had an alert from my credit report. I call and received no assistance and no one could explained why the payment was not drafted as agreed. However, over the last year or so, the lender keeps reporting late payments on and off. I have bank statements showing that the auto pay is drafted each month on time since XX/XX/2019. My credit score dropped from the mid 700 to below 600 because of this lenders actions. I attempted to get a loan to pay this lender off. However, because they periodically report late payments, I can't get a personal loan, business loan, car or house.

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 2021-07-26
Company: NCB Management Services Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I owned a XXXX XXXX and I voluntarily surrendered it due to transmission issue. The seller made false representation for the warranty. As a result, I return the car. The seller reporteda balance of {$18000.00} which I disputed. Now that company is reporting it illegally on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Transunion keeps saying that the Bankruptcy is mine even after providing the information to them about the Bankruptcy document that was filed. It does not contain my name and address. Now they are saying that they verify through a third party such as XXXX XXXX and XXXX. Their method of verification is not correct. They initially told me that the Bankruptcy was " verified ''. I called Transunion and they told me that I have to go through the Bankruptcy Federal Court in XXXX. I send The Federal Court a letter and they stated that THEY DO NOT VERIFY ANYTHING WITH THE CREDIT BUREAUS! In addition, they told me that " pursuant both to Federal Statute and the Federal Rules of Bankruptcy Procedure only the last XXXX digits of a Debtor 's social security number along with their full name and address can be released. In order to obtain a debtor 's full social security number, a third party must file a motion with the court to unseal documents related to a case. This would be very unusual and does not happen on a regular basis. '' Per FCRA 603 ( o ) Excluded communications. A communication is described in this subsection if it is a communication. 
( 5 ) with respect to which ( A ) the consumer who is the subject of the communication ( i ) consents orally or in writing to the nature and scope of the communication, before the collection of any information for the purpose of making the communication ; ( ii ) consents orally or in writing to the making of the communication to a prospective employer, before the making of the communication ; and ( iii ) in the case of consent under clause ( i ) or ( ii ) given orally, is provided written confirmation of that consent by the person making the communication, not later than 3 business days after the receipt of the consent by that person ; Therefore, Transunion 's method of " verification '' is not a valid method if you 're using any 3rd party to verify. Even if I did file a Bankruptcy, which I did not, I did not give anyone, not the Bankruptcy Trustee, the court houses, XXXX, or XXXX authorization to furnish information about any of my court cases. There is not ever a court order to have any information of mine on my credit report. This information that you 're claiming as " verified '' is illegal and it 's not verification. You 're constantly breaking the law, even when I provided you with the document that DOES NOT CONTAIN MY NAME NOR MY ADDRESS. You need to govern yourself correctly.

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 2016-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
Received adverse action letter from other financial institution, and contacted credit reporting bureau Transunion regarding believed inaccurate information on the report. 
Initiated a dispute regarding the information. I received an Investigations Results letter from XXXX XXXX of this year. The letter states " If there has been a change to your credit history resulting from our investigation, or if you add a consumer statement, you may request that TransUnion send an updated report to those who received your report within the last two years for employment purposes, or within the last six months for any other purpose. '' As there had been a change in the form of updated information. As well as that I have indeed added a consumer statement, I felt that this section of the letter applied to me. 
On XXXX XXXX, I contacted TransUnion 's Customer Contact Center regarding making a request or request ( s ) as outlined by the letter from XXXX XXXX. 
However I was informed throughout the call, which finally was escalated to a supervisor XXXX XXXX, that TransUnion is unable to send an updated report to those who received my report within the last two years for employment purposes, or within the last six months for any other purpose. 
Although there is vagueness in if there must be two separate requests, one for sending the updated report to those who received the old report for employment purposes, and one for those who received the old report for any other purpose. Overall my concern is more as follows : I am not quite sure if it is that the letter TransUnion sent me is some sort of form or template letter which is not longer in line with their current practices regarding sending of updated reports ; or if TransUnion 's Customer Care Center is simply unaware of how to supply such requests to TransUnion. Unfortunately the letter itself does not specify if these requests are to be mailed somewhere, or submitted by phone through the customer contact center, or perhaps just hoped for.

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 2021-07-26
Company: Smith, Cohen & Rosenberg LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX XXXX it was brought to my attention by a family member that I should check my email for a collection notice. XXXX XXXX from Smith, Cohen Rosenberg LLC sent an email stating the following : Balance : {$1500.00} File # : XXXX Creditor : XXXX XXXX XXXX XXXX XXXX, The above-named creditor has assigned to us your account for immediate collection of the balance in full. 

Please contact this office immediately so that arrangements may be made and any further action, including credit reporting of this debt may be stopped, or send a certified check or money to the address listed below. 

Unless this account or any portion thereof is disputed within 30 days from receipt of this notice, we will assume this debt to be valid. If you dispute this debt or any portion thereof within this 30 day time period we will furnish at your written request, a verification of this debt, or the name and address of the original creditor. This is an attempt to collect a debt. Any information obtained will be used for that purpose. 

I informed her that I would look into the matter since I was unaware of the referenced outstanding debt. After looking into the matter I discovered that I had indeed made payment for services rendered, in the form of a check. I notified XXXX of this via email and she responded with the following : Hi XXXX, Please see attached invoice. You did authorize the service on XX/XX/20. Your check # XXXX for {$1200.00} bounced. 

I do realize you and XXXX are not together any more but our client XXXX XXXX still deserves to be paid. 

We take MC or Visa debit. 

Please advise how you want to pay this. 

I then went back to look into my bank statements for any NSF submissions. There were no checks, including # XXXX ever submitted and returned NSF. Additionally, check # XXXX was actually never presented for payment according to my bank history. I informed XXXX of this fact and she subsequently responded with the following : XXXX, According to our client, you had promised them to send ck # XXXX for {$1200.00} but you never did. 

The balance is valid and owed by you and XXXX XXXX. 

We take ACH, MC or Visa debit. 

How would you like to pay? 

I have informed XXXX that the debt did not belong to XXXX XXXX as I had requested the service for a home that I was the sole owner of. I also informed her that the payment was made in the form of a check that I directly handed to the service tech upon completion of the work. 

I have asked that she stop contacting me because I have provided payment in an acceptable form to the company and it is not my problem that they failed to present the check for payment.

Company response to consumer: Closed with explanation