BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-20
Company: Resurgent Capital Services L.P.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After reviewing my credit profile on XX/XX/2022 I identified a discrepancy with account lised under Lvnv Funding LLC, XXXX XXXX XXXX and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2022 and the account continued to reflect on my credit report and I have not received any correspondendence from creditor to vaildate this account as correctly belonging to me, nor has my credit report been no updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XXXX there have been no updates and account is still reflecting on my on my report. I do not believe the account belongs to me nor do I believe that the Creditor has authorization to access the account nor authorization to attemp to collect on the account and the account continues to negatively affect me. Please strike and remove this accounts from all 3 Credit Bureaus until adequate vaildation has been received proving that the account belongs to me and all information is correct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
According to the Cardholder agreement with Bank of America, I am only obligated to pay the monthly minimum. In this case, my monthly minimal payment due was not the balance thereof, but a nominal fee of approximately {$25.00} to {$50.00}, more or less. 
On XX/XX/XXXX, I paid, albeit by clerical mistake/typo, a payment via mobile banking transfer of from my checking account to my credit card account with Bank of America for $ {$2400.00}. I intended to, at that time, to make a nominal payment of {$24.00}. Therefore, I respectfully asked for the difference from what the Bank has partially refunded me already -- of {$500.00}, to what I originally paid plus fees ( factoring any interest charges ), which would total approximately $ 2k either way. 
Moreover, according to the XX/XX/XXXX law -- -Credit Card Accountability Responsibility and Disclosure Act, the Bank acted contrary to this Law by changing the terms and conditions and/or my credit card account info via slashing my credit line by 80 % from $ XXXX to {$500.00} without providing appropriate advanced notice ; considering this lack of due diligence and lack of transparency I respectfully ask for the CFPB to secure me the funds for $ XXXX at this time and/or restore my credit line back to $ XXXX with Bank of America XXXX The Bank refuses to issue me a complete refund because my total credit line is only {$500.00} and it would be over my credit line ; moreover, they 've refused to raise my credit line back to the original amount. 

Thanks for your help and consideration! 
XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-23
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
After paying all my XXXX lease payments on time to Infiniti Financial Services I returned the car to the dealer. Later, I received a final bill of {$3300.00}. I do not dispute the final bill and just before its due date I mailed them {$1100.00}. I called their XXXX number to inform them that I was going to pay this bill in XXXX equal payment. No body answered the phone. So I wrote a note and included that with my payment. They sent me another bill for the balance. Again I tried to call them but no one answered the phone. Shortly after that I received phone call from a company named " XXXX XXXX XXXX '' claiming they have my account for collection. I explained to them that the account is current and Infiniti had a responsibility to inform me if they wanted me to pay someone else for the balance due. I told them that I do not know who they are and refuse to send them any money because this may simply be another scam. I asked them to inform Infiniti that they must inform me in writing new payment address and company. So far I have not heard anything from Infiniti but the collection company, XXXX, keeps calling me with intimidating messages. I do not know who they are and why a current account was referred to a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: AES/PHEAA
State: CA
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 was notified on 2-14 that Fedloan Servicing reported my account 90 days past due. I had contacted them on 2-3 to put a forbearance on my account. I contacted them again after 2-14 and the lady who helped me showed that I had a forbearance on my account that went from XX/XX/XXXX to XX/XX/XXXX. She said she was placing a dispute on the account but nothing has yet to be updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: Paypal Holdings, Inc
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Besides my personal bank account being frauded over 6 times in last 2 years. I am now getting reports of someone trying to obtain credit cards in my name. Several companies have sent me letters saying they denied me for credit services. I never applied for them. I refuse to own a credit card and defiantly did not try to apply for any. 
XX/XX/2022 XXXXXXXX XXXX sent letter staying they can not give credit for my request of XXXX XXXX issued by their bank. I never applied for this. 
XX/XX/20XXXX XXXX  sent a letter stating they can not issue credit for my request of XXXX XXXX XXXX XXXX XXXX. I never applied for this. 
XXXX XXXX XXXXXXXX XXXX XXXX  was unable to approve my application. I never applied for this either. 
PayPal informed online they sent me to collections. I was frauded on PAYPAL, my bank investigated and now I'm sent to collections for something i didn't do. 
My credit scored has dropped XXXX points in last few months, as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX of XXXX, FL XXXX XXXX XX/XX/2017 auto loan. Did not give permission for this inquiry. 

XXXX XXXX XXXX XXXX XX/XX/2017 Did not authorize this inquiry XXXX XXXX XXXX XX/XX/2017 Did not authorize this inquiry I have put a freeze on my credit reports with all 3 credit agencies because companies are doing credit checks without my permission via the internet. i am trying to improve my credit to get a house and this is hurting my credit scores

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 2020-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 status incorrect

Complaint:
In XXXX of XXXX, I traded in a XXXX XXXX XXXX XXXX for a newer XXXX XXXX truck. XXXX XXXX XXXX of XXXX, TX, took this vehicle on trade and was to pay the lien of {$10000.00} to XXXX AUTO FINANCE # XXXX. As seen on credit report, all of my payments prior to trade in were made on time. My credit History is EXCEPTIONAL and this incorrect report is negatively affecting my rating!

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 2015-10-29
Company: JPMORGAN CHASE & CO.
State: OR
Product: Credit card
Issue: Billing disputes

Complaint:
With my Chase credit card, I am unable to schedule automatic payments of anything but the total statement balance or the minimum. I also ca n't schedule payments past XXXX. It is extremely frustrating and ensures that the debt remains high since I ca n't pay off the total ammount at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-30
Company: SUNTRUST BANKS, INC.
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a checking account on SunTrust 's website and used a debit card from another bank to fund the account. The following day, I was advised, by SunTrust, that the account had been 'flagged ' and would be closed. No reason was given. Multiple inquiries, by phone and in person, resulted in my being referred to SunTrust 's rules and regulations which state : 'The Bank may close your Account at any time and for any reason or for no reason without advance notice. ' It took another three weeks to have my funding deposit refunded. I 've been unable to find anything on my credit report or XXXX file disclosure that might indicate why the account was closed. 
:

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: General Motors Financial Company, Inc.
State: CT
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 my mother ( has authorization ) called GM Financial and asked what the remaining balance on my lease account was a I was looking to turn in or trade my suv. They gave her an amount that we felt was incorrect. They insisted it was correct so she asked that they send it to me in writing with this balance noted. On XXXX XXXX, XXXX I rec 'd a payoff letter that had a different remaining balance ( {$340.00} more in remaining payts ). My mother called to explain and they suggested she fax them the paperwork/proof. She did this on XX/XX/XXXX. Still no response. On XX/XX/XXXX I sent the adjusted balance due in full with a copy of their letter as proof to backup my short payt. I know they rec 'd the letter along with the check when the check was cashed. After that they kept calling and sending letters. We kept faxing back their letters with the same explanations and proof backup and still nothing. Haven't heard anything for almost 2 yrs. I'm applying for a new mtg and my broker told me that GM had " written of bal. '' as uncollectable debt that affects my credit. I disputed this on my credit reports and today I noticed that GM re-opened my account/debt and my credit dropped XXXX XXXX! How can they re-open a debt that was incorrect to begin with??

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-03
Company: DISCOVER BANK
State: WA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Discover closed my credit card account for no reason, affecting my credit history. After discussing at forum, I found that the closure of account seems to be discriminating XXXX customers since lots of such " no-reason '' closures happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19
Company: SUNTRUST BANKS, INC.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I had deposited a check and it seems that it was returned and they blocked the account and have not provided me any information as to why and my direct deposit from my job was sent to this account and they ignore every request from me as to an explanation why I spoke to a customer service rep on the phone they tell me I had to go to the branch I went and they dont want to tell me anything tried to speak to the manager he paid no attention to me in the XXXX XXXX branch. 

all they state XXXX is that they are doing an investigation at XXXX is was supposed to be 10 days for that and they will send my funds but as of yesterday now they state 30 to 120 days.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29
Company: AES/PHEAA
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I attended XXXX College, in XXXX, Alaska XX/XX/XXXX. The school is CLOSED. 
XX/XX/XXXX I received a Form XXXX Cancellation of Debt ( Replacement ) form cancelling the debt in XX/XX/XXXX. Again I received a letter of the balance of the loans being written off from the ACPE Alaska Commission on Postsecondary Education dated XX/XX/XXXX. All of these letters have been sent to FedLoan Servicing with no answer from them. I mailed Certified and regular U.S. Mail. I have told them to " Stop contacting me. '' on the advice of an attorney, yet they continue to call, now weekly. This is a violation of the Fair Debt Collection Practices Act according to Attorney XXXX XXXX XXXX, XXXX, Alaska XX/XX/XXXX. A. I want this taken off my credit report. B. I want the harassment and embarassing phone calls to stop on my cell and business and any other phone, such as family, friends, former landlords, neighbors. C. I want this in writing from FedLoan that there is NO Debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: EQUIFAX, INC.
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: Public record information inaccurate

Complaint:
I applied for a credit limit increase with my XXXX credit card online. XXXX declined the request with reason that my Equifax credit report has a bankruptcy reported. My bankruptcy was discharged well over ten years ago and should not be part of my credit report. Equifax says I have no bankruptcy on my report, but on their own website, it shows a bankruptcy under my account information that is hurting my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Accounts with XXXX, Equifax, and XXXX have violated my rights. 

15 UCS 1681 Section 602 States I have the right to privacy. 

15 UCS 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as a late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
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 am a victim of identity theft and did not make the charge

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 2020-08-14
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:
I am a victim of identity theft and did not make the charge

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 2017-02-25
Company: SUNTRUST BANKS, INC.
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I bank with Suntrust and this keeps happening. they will take the biggest amount from my account first then charge me XXXX per item that came in before the big amount. I have asked them if this is how banking regulations and its not but that is how they operate. So far they have taking XXXX for pretty much overdraft charges I want my money bank, they are also charging for extended overdraft charges.

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 2016-07-19
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
My loan was being brought up to date by the XXXX XXXX XXXX XXXX, ( I think that 's their name ) it was then given to Fed Loan servicing, this company never contacted me to inform me that they were now the company I needed to pay my debt to, they also reported to my credit report that I was late making the payments ( that 's how I found out about them ) I tried to rectify the issue and begin paying the loan, but they wanted me to agree on terms that I was not comfortable with, which included not informing the credit reporting agency that they made an mistake. I also have emails, where they state that they could not contact me, because they did n't have my contact information, they never notified me of the debt and have now ruined my credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: Experian Information Solutions Inc.
State: PA
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 CONTRACT EXPERIAN ABOUT AN BANKRUPCTY ON MY CREDIT FILE, THAT EXPERIAN SAY THEY RECEIVED FROM XXXX, XXXX SEND ME A LETTER SAYING U DO NOT HAVE A BANKRUPCTY ON FILE WITH US, SO I SEND EXPERIAN THE SAME LETTER BUT THEY REFUSE TO DELETED IT OFF MY CREDIT REPORT.

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 2022-05-20
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX type XXXX XXXX FCRA violations : accounts not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$900.00} written off. 

FCRA violations : payment never late XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$4300.00} Status Open. 
DEPT OF EDXXXX Potentially negative Date opened XX/XX/XXXX Balance {$5300.00} Status Open. 
DEPT OF EDXXXX Potentially negative Date opened XX/XX/XXXX Balance {$3300.00} Status Open. 
DEPT OF EDXXXX Potentially negative Date opened XX/XX/XXXX Balance {$2500.00} Status Open. 
DEPT OF EDXXXX Potentially negative Date opened XX/XX/XXXX Balance {$6500.00} Status Open. 
DEPT OF EDXXXX Potentially negative Date opened XX/XX/XXXX Balance {$6300.00} Status Open. 
DEPT OF EDXXXX Potentially negative Date opened XX/XX/XXXX Balance {$2900.00} Status Open. 
DEPT OF EDXXXX Potentially negative Date opened XX/XX/XXXX Balance {$7400.00} Status Open. 
DEPT OF EDXXXX Potentially negative Date opened XX/XX/XXXX Balance {$2200.00} Status Open. 
DEPT OF EDXXXX Potentially negative Date opened XX/XX/XXXX Balance {$1900.00} Status Open.

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 2022-05-20
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2016-10-11
Company: AES/PHEAA
State: MD
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:
Fed Loan Servicing misapplied a loan payment by not distributing across all the loans in my package, and then agreed that it was a processing error. They agreed to reapply the loan payment backdated to the correct payment date, but that was over a month ago, and the representative ( XXXX ) I just spoke with said that the processing center had yet to do so. I am trying to maintain eligibility for public service loan forgiveness, and I am concerned that any persistent perceived delinquency, even though it was the servicer 's error, may cause problems applying for loan forgiveness when the time comes. They have not yet rectified the underlying misprocess, and I would like a record of what happened and how the situation was rectified for my personal records.

Company response to consumer: Closed with non-monetary relief