BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-01
Company: Resurgent Capital Services L.P.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received an email from CACH , LLC on XX/XX/2021 that stated as follows : Dear XXXX XXXX, The above referenced account has been placed in our office for collection. In order to assist you in resolving this debt, we can offer the following options : You may resolve your account for {$2600.00}. To accept, make your payment by XX/XX/2021. 

I made a payment on XX/XX/2021 in the amount of {$2600.00} to XXXX XXXX XXXX who was operating on behalf of CACH , LLC. I was told that this matter was closed and would be removed from my credit report within 30 days. After 30 days it was still on my report. 

I contacted XXXX XXXX XXXX  on XX/XX/2021 to complain that I had not received a receipt for my transaction and this matter was still on my credit report. They in turn assured me that this would come off soon and sent me a letter stating that my debt has been settled in full and my balance owed to CACH , LLC was {$0.00}. 

Today, XX/XX/2021, I received an email from another collection agency requesting a payment of {$5700.00} and offering a settlement option on behalf of CACH , LLC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-01
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:
I deposited a check into my bank of America account the next day the funds appeared in my account. I called bank of america and was told the check was good. I proceeded to purchase the equipment through a vender. as soom as those purchases went through bank of america told me that check was bad after they told me it was good and explained that due to my excellent record with the bank they rushed the check into my account. Bank of America caused this situation.

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 2015-07-20
Company: ALLY FINANCIAL INC.
State: NJ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
XXXX COMPLAINT, I WANT REIMBURSEMENT FOR THE FUNDS I 'VE SPENT ON A ILLEGAL CONTRACT WITH ALLY BANK, ALLY FINACIAL, I 'M OUT OVER {$15000.00} IN SIX MONTHS FIGHTINGTHESE PEOPLE, I WANT XXXX. 
XXXX NEW JERSEY TOO REIMBURSE XXXX XXXX CREDIT CARD FOR THE $ XXXXIT COST TOO CORRECT THE DEALER FRAUD ON MY CREDIT CARD FROM XXXX XXXX XXXX? 
HE USED THE MONEY ON HIS SELF, NOT THE {$6000.00} USED INFINITY THE DEPOSIT WAS GIVEN FOR. 
HE ALSO RECEIVED {$14000.00} FROM ALLY FINANCIAL INSTITUTIONS, THEY WERE TOLD PRIOR TOO GETTING THE VEHICLE TITLE FROM XXXX. 
THE XXXX XXXX WAS A BAIT & SWITCH TACTED, THE FINANCE COMPANY STILL SAIDS THEY HAVE NO CONNECTION WITH DEALER, THAT 'S WAS FOUND BY THE STATE, GOVERMENT, NJ XXXX XXXX XXXX, ALL COMPLAINTS WERE FILED. 
THE DEALER STOLE THE MONEY, GOT THE CAR BACK TOO RESELL AGAIN THROUGH ALLY FINANCIAL RESELLING CAR BACK TOO THE NEW JERSEY AUCTION IN XXXX XXXX. 
XXXX COULD NOT FIX A XXXX XXXX NEEDED A MINIMUM OF {$7000.00} IN REPAIRS TOO MAKE CAR LEGAL IN NEW JERSEY. 
THE CAR WAS IN A MAJOR ACCIDENT, UNDISCLOSED BY DEALER TOO ME OR ALLY FINANCIAL! 
I KNOW ALLY NEW BECAUSE I NEVER HAD A APPLICATIONS FOR CREDIT, THEY SENT ME A TURN DOWN LETTER AS WELL AS XXXX OTHER FINANCIAL INSTITUTIONS. 
I WAS DECLINED FINANCING EVEN WITH A FICO OF XXXX IN XXXX DUE TOO MY NEW XXXX LEASE IN XX/XX/XXXXTHE CREDT BUREAU REPORTS KEEP LYING ON THE REPORTS, THERE WAS A ACTIVE FRAUD ALERT ON ALL THREE CREDIT BUREAUS REPORTS IN XX/XX/XXXXWE HAVE PROOF, XXXX HAS DELETED ALLY FINANCIAL FROM THE CREDT REPORTS AFTER THRE INVESTIGATIONS. 
I 'M TIRED, BROKE, AN CAN NOT STRAIGHTING OUT MY CREDIT CARDS, OR PROBLEMS I NEVER LEGALLY BOUGHT. 
I WANT ALLY TOO REIMBURSE MY COSTS, DEALER THE CREDIT CARDS, WE HAD TOO FILE CRIMINAL CHARGES AGAINST XXXX. 
THEY ARE ALL APART OF THE DISCRIMINATION CASE YOU PROCESSED VIA DEPARTMENT OF JUSTICE, CONSUMER PROTECTION AGENCY IN XXXX XXXX XXXX , ON XXXX, SOCIAL SECURITY ONLYWAS ABLE TOO STARVE MYSELF, NO TRAVEL, NOW CAN NOT PAY ELECTRIC, SOME ONE HELP ME GET SOME ONE TOO GET ALLY TOO REIMBURSE THE CAR, MY COSTS, REPAIRS, ATTORNEYS FEES. 
SIX MONTHS NOW, XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I had a Simple.com account. BBVA USA bought Simple and transferred everything over, which was a nightmare ( and a different story ). Now, PNC has bought BBVA, so I went from having a Simple account with customer services reps in the US who were friendly and helpful... to BBVA and now PNC reps in XXXX who are rude and refuse to help me close out my account. My account was transferred without any agreement from me on services and fees. I have now been charged an " overdraft fee '' when I haven't even used the account since the transfer. The account is {$23.00} negative after a {$32.00} fee- if you do the math you'll see that my account wasn't actually negative until their fee. They now refuse to close my account and even hang up on me when I ask for a supervisor. This is the worst banking experience of my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-29
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have XXXX XXXX credit card, issued by XXXX Bank. However, the same account is showing up twice on my credit report, effecting my overall utilization. I reached out to XXXX customer service, but they said, they can not correct the error that I need to dispute it.

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 2016-07-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NE
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
It all started in XXXX of 2011. I am self employed and had this credit card for my business, I was told that i needed to have XXXX now. I would need to be off work for 6 to 8 weeks, so I called this card company and wanted to suspend my payments for about 3 months to get myself back to work and start making payments again, the person on the other end laughed at me and told me that there was no company that would do that. And here we are today. I did not make payments do to not working and now for 3 years after they closed and charged off the acctount I am getting summons and garnishing on my bank accts, some that i do n't bank at anymore, and one most recently that they took money from that was to go to contractor who did work from a storm that we had.

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 2016-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX is reporting the account inaccurately. This account has not been a collection account as I have paid this account every quarter per loan agreement. This account should not have a 30-day late showing. This account has displayed inaccurate information for more than 8 months which is a violation of my FCRA rights. I informed XXXX back in XXXX that the account was wrong ( see attached ) yet NO ACTION was taken on the account by either XXXX or 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 2015-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX account was closed more than 7 years ago. This should no longer be shown on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: Experian Information Solutions 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:
FRAUDULENT ACCOUNTS XXXX ) XXXXXXXX XXXX AMOUNT $ XXXX XXXX XXXX ) XXXX  AMOUNT {$320.00} DATE XX/XX/XXXX FRAUDULENT INQUIRIES XXXX ) XXXX  XXXX XX/XX/XXXX XXXX ) XXXXL XXXX XX/XX/XXXX XXXX ) XXXX XXXX XXXXXX/XX/XXXX XXXX ) XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX ) XXXX XX/XX/XXXX XXXX ) XXXX XXXXXX/XX/XXXX XXXX ) XXXX XXXXXX/XX/XXXX XXXX ) XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX ) XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX ) XXXX XXXX XX/XX/XXXX XXXX ) XXXX  XX/XX/XXXX XXXX ) XXXX XXXX XX/XX/XXXX XXXX ) XXXX  XXXX XXXX XX/XX/XXXX XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX ) XXXX XX/XX/XXXX XXXX ) XXXX XX/XX/XXXX XXXX ) XXXX XXXX XX/XX/XXXX XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX ) XXXX XXXX XX/XX/XXXX XXXX ) XXXX XXXX XXXX XXXXXX/XX/XXXX INCORRECT ADDRESSES XXXX ) XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX NY XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX TX XXXX XXXX aacordance with the fair credit rereporting act These 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 intructions

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 2016-07-27
Company: Credit Bureau of Carbon County
State: WY
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I have been paying off a hospital bill for almost a year. The agreement was that I would pay {$150.00} a month. Which I have been doing. I have not missed a payment. The original amount owed was {$1300.00}. I owe {$130.00}, which I plan to pay next month, per the agreement. I have been receiving phone calls about every two weeks and they are threatening a civil lawsuit. I know they have no grounds, since I have been paying the debt. They called today, after I had paid this month. I emailed them and told them to stop the harassment. I have also blocked the number so they ca n't call me anymore. I also talked to an attorney. I am on XXXX for XXXX XXXX and I work part time. I have tried explaining this to them. I pay them when I either get a paycheck or when I receive my XXXX check. Again, I have not missed any payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I have a credit card w/ Bank of America . They want to know XXXX what my source of income is, since I refused they threatened to close to \tototod to to to close my account. I think this is a bully tactic. I hope you can resolve this situation. 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 2016-05-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I requested Equifax provide me verification of negative on my credit. Fair Credit Reporting Act requires them follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. Therefore, I am requested them verify the item I am disputing at a higher standard than a computer generated inquiry, XXXX or third party database search. They sent me the typical verification with the creditor information, but failed to give verifiable proof that this was mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XX/XX/2021 I applied with my current mortgage Wells Fargo. After many months and going back and forth I was given a closing date of XXXX XXXX. The date passed to no avail. I then received a letter indicating I didnt close because I withdrew my application. Upon discussion with the bank they admitted that was not true. They then told me my coop did not have enough insurance. Another lie. Finally they sent we a letter indicating my coop rejected my refinance. I contacted my board and in writing that too was a falsehood. I suspect Wells Fargo didnt want to reduce my payments as a way to have me continue paying the higher rate and amount.

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 2019-12-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Be advised attached is documents proving that the address associated with the account listed on my credit report, from XXXX XXXX is not accurate. It was reported to all 3 credit bureaus as a fraudulent and unauthorized account by the consumer. The address that I resided at in XXXX and XXXX was a different address that was also listed on 2 credit bureaus report except Experian. My address was not updated until years later when I moved. A unknown individual obtained my information, where my information was found in the dark web, in several data breaches and etc. information that was compromised was my social security number, family members addresses, employer information and also at that time my drivers license was also stolen and then a new one was issued again. My date of birth, email address and other banking info as well. An account from XXXX XXXX was opened in my name and there were no physical authorized signatures by me, nor any documents received. Also my email information was compromised and used by a unknown source. An identity theft report was created after observing and also security alerts were placed on my credit report with all 3 credit bureaus. Please see attached documents that show the address that I was living at and also that was reported to bureaus. Date of address that I resided at was reported was on XXXX XX/XX/XXXX. This XXXX XXXX account was reported open on XXXX/XXXX/XXXX. Also my Experian credit report had a freeze on it at the time. I was not contacted by XXXX XXXX in reference to this. Its possible that someone used a fraudulent app that generated my number in order to obtain credit. I have been in dispute with this account and Im currently gathering all documents to represent my case for further escalation in the removal of this account as I have already sent in many documents. My current address is what is currently on file with Experian. This was not my address or where I resided at the time of this card opening.

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 2021-10-01
Company: International Computer Systems, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
We have received repeated calls from XXXX, formerly the XXXX pages over the past couple years. They claimed we owed them money that we do not in fact owe. Recently they have submitted our information to some other company that refuses to tell us the name. 
We get calls from XXXX daily asking to speak with the business owner. When you tell them the business owner is not available, they ask to leave a message. 
On XX/XX/21 I took a call from XXXX and she told me that the call back number was XXXX. They will never tell me the name of their business. 
When they have spoken to the owner, they claim to be attempting to collect the debt from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28
Company: I.C. System, Inc.
State: PR
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
On XXXX XXXX, 2014 I opened a case against XXXX XXXX and XXXX XXXX because they opened a collection which was closed as Identity Theft on XXXX XXXX, 2014. 

In that time, I explained to them that I have not ever live in NY, so it is not reasonable that I ask for a service in a place that I do not live and I do not planning to live. 
I work here in XXXX XXXX, I studied here, and I have been raised and live all my live here in XXXX. 
Also, I have an excellent credit ( which is affected by this again ). I do not have that kind of behavior about not paying my debts. 

Those cases were XXXX, and XXXX, which you have in your system. 
Both of them closed as Identity Theft. So why XXXX XXXX are trying to open this again after a year? It is not fair and they are damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
XXXX Account with BMO Harris Bank was fraudulently opened online w/o my consent XXXX Upon discovery of the fraud, I filed with Identitytheft.gov and placed a Security freeze with XXXX. I contacted the credit bureaus. I provided to BMO Harris a Notice to Furnisher, as well as a copy of the FTC Identity Theft Report informing them of the fraud. They were also notified by phone and promised to close the account. 

XXXX After receiving a statement reflecting the account as still open, I wrote again asking them to close it and provide me written proof of doing so. I called, as well, and was promised this would be done. 

XXXX After continuing to receive monthly statements reflecting the account as still open, I wrote again asking them to close it and provide me written proof of doing so. I called, as well, and was promised this would be done. 

XXXX I received another statement showing the account is still open and active.

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 2016-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
I thought I was ordering XXXX free credit report from Transunion. I provided my credit card number as requested to verify my identity. I never saw information about a charge for additional services, but XXXX charges showed up on my credit card bill, XXXX for {$1.00} and XXXX for {$21.00}. When I called customer service I was told that I had ordered a " free '' trial membership ( for {$1.00} ) and when I did n't cancel it within 7 days, I was charged {$21.00}. I never knew I ordered this. The rep referred me to the " escalation department '' who cancelled my " membership '' but refused to reimburse the amount charged. The rep told me I used the wrong website to get my free report, and it was n't their fault. Very deceptive. I now see there are lots of similar complaints online. I never thought to check them out before doing business with them. I thought being XXXX of the XXXX credit reporting agencies to which we are repeatedly referred to check for identify theft, that it would be a reputable company. Clearly not. Can anyone stop them from deceiving others?

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 2017-02-22
Company: Navient Solutions, LLC.
State: MA
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 contacted Navient, formerly XXXX XXXX, several times from approximately XX/XX/XXXX- XX/XX/XXXX, due to my loan payments being extremely high. I was unable to make such a high payment at that time while working part- time ( payments were about {$600.00} a month and it increased overtime ). No one ever spoke to me about the different payment plan options that were available. I was told that I needed to go into deferment and forbearance each time. They never told me that I could choose an income based payment plan. I then defaulted on my loans because I did n't have the means to make such high payments once my loans were no longer eligible for forbearance. My loans were then put into a collection agency where I was charged ungodly fees. After going through the rehabilitation payment program through the collection agency, my loans were then sold from the Navient collection agency back to Navient in XX/XX/XXXX ( yes this sounds ridiculous since Navient sold the loans back to themselves ). I 'm filing this complaint because if someone told me about the available options to lower my monthly payments then I would n't have defaulted on my loans. I 'm extremely upset how Navient operates and treats their customers. Over the last 11 years, no one has ever explained the different payment options available or how to best manage my loans with my financial situation. I needed a family friend to help me navigate the federal loan system which has put my loans in good standing. Maybe Navient should hire my friend since they are unwilling to provide proper information to educate borrowers!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
hi i have XXXX unauthorized inquiry my report from XXXX XXXX XXXX XXXX XXXX XXXX XXXX OHIO XXXX I DID NOT authoriz I asked trans union to remove or investigate the issue they Refused to do so and i also asked the XXXX to remove it as well no replay from them so i would like to file a complant on Transunion file number XXXX to have this removed from my report as a citizen it my right to have this removed and would like to have this removed there is a X by the area is this copy 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