BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-24
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing in regards to the account number XXXX that the company, XXXX XXXX XXXX, has listed on my credit report. I have previously contacted your company requesting validation of this debt, and to date, I have not received a response or any documentation that verifies this debt or a signed contract. 

As I stated in my previous correspondence, I have no knowledge of this debt and have never entered into an agreement with your company. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of the debt and to dispute its validity. Your company has failed to provide me with any documentation that proves the validity of this debt or a signed contract. 

Therefore, I request that you remove this account from my credit report immediately. Your failure to provide validation of the debt or a signed contract is a violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ). 

I also request that you cease all collection activity on this account until you can provide me with the requested documentation. Any further attempts to collect on this debt without providing verification are illegal and a violation of my rights under the FDCPA. 

I urge you to take immediate action to correct this error and provide me with the requested documentation. I look forward to your prompt response to this matter.

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 2023-04-24
Company: RentDebt Automated Collections, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Back in XX/XX/XXXX, we put in a 60 day notice for move out of our home and we were answered back and it was put into effect that the move out is for the end of our lease term. Now we are being overly charged for early termination fee, rent and utilities for months we did not live there for, services while we did not live there and move out charges that when we ask for what it is, we don't get an answer. I have connected them with a letter of XXXX the XXXX, XXXX. We started calling both the RentDebt and XXXX XXXX to get this fixed and after three " disputes '' and emails from me showing my move out we are still being charged. We sent a Demand Letter for our charges to be removed and our deposit back on XXXX the XXXX, XXXX. I received a call today XX/XX/XXXX, from RentDebt, that we still owe the charges regardless of our proof. We informed them that we will be contacting the Fair Credit Reporting and reporting this wrongful charge. As well as contacted XXXX in one more final attempt to fix this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: P&B Capital Group, LLC
State: AR
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 XXXX XXXX  a representative of XXXX a debt collection agency on XX/XX/2023. The next day I saw this email on XX/XX/2023. The email was an offer to pay the balance of XXXX off in total at a discounted amount of XXXX. I processed a payment by debit card the same day XX/XX/2023 for this amount and received a message from XXXX stating it was paid off in full on XX/XX/2023 and further attempts to collect on the debt would cease. I have screen shots and a bank statement I can provide as proof of the offer, the transaction completion and bank statement records. Later in the this month I received a message from P & B Capital Group LLC. This is another debt collection agency stating the balance owed is still XXXX. I received this email on XX/XX/2023, upon receiving the email I immediately contacted the company at the phone number provided ( XXXX ) XXXX in the email. I spoke to a XXXX XXXX who is a floor manager. I explained the situation to him and we had several email messages back and forth following the call. I sent screenshots of the confirmation of payment made and the offer from XXXX. He stated that the offer I received on XX/XX/2023 was only valid for that day, however there was no indication of this in the email and certainly not when I processed the payment and received confirmation the debt balance was paid in full. XXXX XXXX then sent me a offer letter with the original balance of XXXX discounted to a pay off amount XXXX. So according to their records there was never a payment made which makes no sense. He stated the offer he sent was only valid up until XX/XX/2023. This entire situation seems unprofessional as I processed the payment and received confirmation the balance was paid and collections would cease. I have not received an explanation for where my funds paid on XX/XX/2023 were applied from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing in regards to the account number XXXX that the company, XXXX XXXX XXXX, has listed on my credit report. I have previously contacted your company requesting validation of this debt, and to date, I have not received a response or any documentation that verifies this debt or a signed contract. 

As I stated in my previous correspondence, I have no knowledge of this debt and have never entered into an agreement with your company. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of the debt and to dispute its validity. Your company has failed to provide me with any documentation that proves the validity of this debt or a signed contract. 

Therefore, I request that you remove this account from my credit report immediately. Your failure to provide validation of the debt or a signed contract is a violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ). 

I also request that you cease all collection activity on this account until you can provide me with the requested documentation. Any further attempts to collect on this debt without providing verification are illegal and a violation of my rights under the FDCPA. 

I urge you to take immediate action to correct this error and provide me with the requested documentation. I look forward to your prompt response to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing in regards to the account number XXXX that the company, XXXX XXXX XXXX, has listed on my credit report. I have previously contacted your company requesting validation of this debt, and to date, I have not received a response or any documentation that verifies this debt or a signed contract. 

As I stated in my previous correspondence, I have no knowledge of this debt and have never entered into an agreement with your company. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of the debt and to dispute its validity. Your company has failed to provide me with any documentation that proves the validity of this debt or a signed contract. 

Therefore, I request that you remove this account from my credit report immediately. Your failure to provide validation of the debt or a signed contract is a violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ). 

I also request that you cease all collection activity on this account until you can provide me with the requested documentation. Any further attempts to collect on this debt without providing verification are illegal and a violation of my rights under the FDCPA. 

I urge you to take immediate action to correct this error and provide me with the requested documentation. I look forward to your prompt response to this matter.

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 2023-04-24
Company: ALLY FINANCIAL INC.
State: DE
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I reviewed my contract and realized that a gap charge was included in my amount financed I am aware that all fees that are not government or state fees should not be included in the amount financed also, on our paperwork it states a different mileage number than the number that was on the actual dash board of my vehicle so I am not sure which mileage is correct it seems like they could have been misleading me during the sales process.

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 2023-04-24
Company: National Credit Systems,Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/XXXX Deposit Disposition {$630.00} XX/XX/XXXX Email & Payment {$230.00} From : XXXX XXXX XXXX Date : XXXX XXXX XXXX XXXXXX/XX/XXXX at XXXX Subject : Re : Final Account Statement/Balance Due! # XXXX To : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX To Whom it may concern, I just paid {$230.00} online out of the {$630.00} from the XXXX XXXX XXXX XXXX I will not be paying for the {$400.00} vinyl damage that the maintenance man caused by dragging a new refrigerator in the kitchen that was witnessed by two people on move in day XXXX. The witnesses offered to help the maintenance man with the refrigerator but he refused the help which led to him dragging the refrigerator in the kitchen causing the scrape marks on the vinyl floor which matches up with refrigerator wheels on bottom. after placing the refrigerator, the witnesses noticed the scrape marks on the kitchen vinyl floor which were caused by the maintenance man, he said not to worry about it. I'm a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that can't physically move a refrigerator by myself. I will not be paying for damages I did not cause. I have been a very good tenant, I have done everything by the book, never paid rent late, stayed an extra 3 months and paid for an additional month for replacement tenants to leave my lease early. I left the apartment in better shape than what we had on move in day. This apartment was originally rented for my mother XXXX who is XXXX of stage XXXX XXXX XXXX. Part of the reason why we had to leave the lease early was because the apartment was not safe for her. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

If you have any questions or concerns regarding these matters, please do not hesitate to contact me. 

Thank You, XXXX XXXX XX/XX/XXXX XXXX XXXX, call to Manager. Wanted to pay {$400.00} of balance, but manager couldn't find documentation and wouldn't accept {$400.00} for remainder balance and had no record of payment and was trying to reach the previous management company. 

XX/XX/XXXX Collections Letter National Credit Systems , Inc. {$630.00} XX/XX/XXXX We contacted both XXXX XXXX  and XXXX  , Inc. to resolve this. XXXX XXXX  didn't have the previous management company 's documentation and wouldn't accept documentation and or hung up the phone on us. Same with XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: EQUIFAX, INC.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: Experian Information Solutions Inc.
State: NY
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: Investigation took more than 30 days

Complaint:
I wrote numerous letters on these following dates to resolve this issue, on XX/XX/2022, XX/XX/2022. They responded past 30 days and have never sent me proof that this account belongs to me. I sent documents a proof of incarceration letter to show them that it wasnt me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Unable to retrieve EQUIFAX or XXXX CREDIT REPORT report via XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: Resurgent Capital Services L.P.
State: KY
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:
LVNV FUNDING C/O RESURGENT CAPITAL, " collection '' agency is reporting an alleged debt on my credit report without my knowledge ( previously ) nor my consent. I have repeatedly demanded validation, disputed, and reported the accounts as Identity Theft to the company and have never received a reply, only continued regular negative reporting. As a result My credit Report is bad because of this one alleged account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
The servicer, PennyMac, has over collected escrow payments, since the inception of the loan in XXXX, XXXX. They are over paying hazard insurance and double paying hazard insurance. XX/XX/XXXX PennyMac paid {$3500.00} to XXXX XXXX, when the premium was much lower than {$3500.00} and when I changed insurance from XXXX to XXXX to lower the premium and provided proof I paid the XXXX insurance premium out of my own pocket, Pennymac double paid XXXX again, a second time, on XX/XX/XXXX in the amount of {$2100.00}. I am entitled to have the escrow account removed in the XXXX month which is XXXX, XXXX. I have requested Pennymac to start the process to remove the escrow account and for them to do a full escrow analysis on XX/XX/XXXX because I believe that Pennymac has over over collected over {$2000.00} each year, for a total of {$4000.00} they owe me and I have proof they are paying the wrong insurance carrier, over paying them the wrong amounts and double paying them. Pennymac refused to remove the escrow account or do an escrow analysis because it would " increase the payment even more '' and are refusing to account for the monies they are collecting in the escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
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: Information belongs to someone else

Complaint:
Equifax has my account information listed incorrectly and fraudulently. I live at XXXX XXXX XXXX XXXXXXXX XXXX XXXX and have for the past 5 years yet Equifax does not have that listed as my address. In the past I was able to login to Lock and Alert and Unlock or Lock my credit. Equifax disabled my lock and alert and won't let me reactivate it. Additionally, Equifax has my extended fraud alert / Victim Identity Theft statement showing a phone number of XXXX. This phone number is fraudulent. My phone number is XXXX and Equifax has not corrected or fixed my account. Everytime I attempt to retrieve my credit report is says my information is invalid and won't let me access my own report. I have tried several different times and it tells me my information is invalid. I have included a copy of my Drivers license which clearly depicts the address I listed above. Equifax has my address listed as their XXXX XXXX XXXX XXXX  and again that is not my address. Equifax needs to update my address information, and correct my credit file I am a victim of identity theft and I have been. Equifax caused this back in XXXX when they were hacked and my information was leaked. I am expecting monetary relief too because I have attempted to fix this several times with equifax without resolution. My email XXXX is the email used to sign into the lock and alert but equifax has it locked and has it pointed to XXXX which is not my phone number. Please correct my credit file and block the fraudulent creditors listed such as XXXX XXXX. I do not have any cards with XXXX XXXX nor have I ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: Diverse Funding Associates LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Hello, my name is XXXX XXXX and this my second complaint against DNF Associates after they failed to rectify my matters. 

Please see attached

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
AWA Collections XXXX XXXX XXXX XXXX, CA XXXX RE : XXXX I am disputing this debt and collection in the amount of {$1800.00}. There was no signed financial responsibility form ever completed with XXXX XXXX XXXX. I would like to see documentation showing treatment rendered and my signature agreeing to charges and the charges listed. No statements/bills or attempts by the provider has ever been received. My insurance covered what was needed and that was agreed upon at time of service. 

This is also a HIPAA violation, and I will be reporting XXXX XXXX XXXX to the XXXX XXXX as I have a right to protect my privacy and medical and dental records from third parties. I do not recall giving any permission to XXXX XXXX XXXX for them to release my dental records to a third party. I am aware that HIPAA does allow for limited information about me but anything more is only to be revealed with the patients authorization. Therefore, my request is twofold Validation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and dental charges. 

Cease any credit bureau reporting. AWA collection reported this to credit bureau affecting my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-24
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX my daughters SSI check got deposited into the local branch US bank account and my account was in the process of being closed due to it being a freeze on it because of fraud so no funds can go in and no funds can go out US Bank cashed my daughters check and I have a outstanding balance of {$900.00} that should be all to me but US Bank is actively holding the funds. It has been 30 days now and I have not gotten through to anyone I reached out to social media to take a stand on trying to get my son so that I can pay my rent. Im currently 30 days back now due to not able to get my funds. I have also reached out to the local branch manager, the fraud department, and online banking, I have not gotten through to anyone that could give me any type of financial help. I am now assessing fees in late payments when my rent. I am now 30 days back on my rent and it is a crewing up to now {$1000.00}. My rent is XXXX dollars.

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 2023-04-24
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Opened a Citibank Business Checking Account with an advertised offer to deposit {$25000.00} into a new Business Checking account to receive {$700.00} after 60 days. I opened a new business checking account and deposited {$26000.00} on XX/XX/XXXX. XX/XX/XXXX should have been over 60 days but I never received the bonus. I called a Citibank XXXX in XXXX and was told to wait for it to post in a couple of weeks. It never posted. I went into the Citibank branch where I opened the account on XX/XX/XXXX and was told they would put in a request for the bonus and I should see it in 2 weeks. Two weeks later, still nothing. I then called the Citibank business line and spoke to a manager and explained the situation and they said they would put in a request and it should be in there in 2 weeks. It is now XXXX XXXX and the bonus has never been posted. Apparently this seems to be a common occurrence with Citibank. Had I known about this I would not have opened this account. Its extremely frustrating because not only is Citibank not doing what they are advertising, but even if they are " forced '' to give consumers the bonus they have rightly earned, there is no punishment and therefore no incentive for Citibank to change this apparent policy of not awarding banking bonuses as advertised ( meanwhile they get use of the customers and small business owner 's money for free for months! ) This egregious business practice should be punished.

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 2023-04-24
Company: Experian Information Solutions 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:
I have been disputing the information on my credit report and am baffled as to how the information is coming back as verified when none of the information is matching up with the other two bureaus. I am disputing the validity of : I need for the creditors to validate the information that is being requested. 

PLease validate - dates of last payment- open date / first delinquency

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