BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-11
Company: Bureau of Accounts Control
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
BUREAU OF ACCOUNTS CONTROL This letter is to inform you that the above referenced accounts being reported by your company on my credit reports is hereby disputed for lack of completeness and/or accuracy. I have recently opted out from all secondary credit reporting so please do not rely on them for accuracy for they should not be sharing any of my information. 



I recently tried to verify these accounts with the credit reporting bureaus. You have yet to provide proof other than word of mouth. Where are the documents and authorizations for these accounts? 



I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct a full investigation and provide me with the documents showing where these accounts originate. Please provide documented proof that I am the owner. 



If you were able to conduct a proper investigation of the records for this account, and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation. 



I am also requesting that you send me an explanation of the methods used, and a description of the records reviewed, when you conducted your investigation ; including, but not limited to, sending a copy of that information to me so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding these items listed on my consumer credit report. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature.

Company response to consumer: Untimely response
Consumer complaint received 2016-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Personal loan that was removed was converted fraudulently to educational loan so they reinserted it onto my credit report. The dates, amounts and historical info are wrong

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 2015-09-21
Company: CITIBANK, N.A.
State: MO
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I was approved for the Macy 's store credit card in XXXX, 2015. Two weeks later I applied for the Macy 's American Express credit card and was approved. On XXXX XXXX, 2015 I received a letter from Macy 's providing the pin number for the American Express card. I immediately called Macys and informed them that I still have n't received the credit card. I was advised that the card would be closed down and a new one would be sent. I called them back on XXXX/XXXX/15 and informed them that I still have n't received the credit card. Was told once again that a new replacement card would be sent out. On XXXX/XXXX/2015. Still no Macy 's American Express credit card. When I called them on XXXX/XXXX/2015 I was told due to all the issues of not receiving the card that they would overnight it to me free of charge. On XXXX/XXXX/2015 I received the so called overnighted card. Not only was it not overnighted as I was promised, it was a replacement store credit card. I never requested a replacement store credit card. I never advised Macy 's that my store card was ever lost or stolen. So why was I even sent a store card to begin with. As of XXXX/XXXX/2015 I still have n't received the Macy ' American Express credit card that I was approved for over 2 months ago. They cant claim address problem. I did receive the letter containing the pin number. Even after I moved I purchased a {$1100.00} mattress set within the last 2 weeks which was delivered to my new home address they now have on file. Their customer service department is just completely terrible.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11
Company: Riverwalk Financial Corporation
State: IN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XX/XX/XXXX it appeared on my credit, I called Deville and they removed it and then it reappeared on my credit report XX/XX/XXXX I called again and they would not remove it unless I payed! I paid {$600.00} on XX/XX/XXXX and they removed it however the original loan was XXXX whom was sued and lost and the loans were not legal nor should they have been collected on! The company Deville is aware but they said to bad!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05
Company: CITIBANK, N.A.
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I, XXXX XXXX, would like to submit this complaint to CFPB in hopes of finding a resolution to settling my loan modification. I started this process ( loan modification ) back in XXXX of this year with Citi Mortgage and was approved for the loan modification ; However, I am in the process of losing my approval for my loan modification because I was informed by Citi Mortagae that my ex-husband had to sign the loan modification documents because his name was on the loan. Although this is accurate, my ex-husband signed over his legal rights to the home in the divorce decree and the warranty deed is in my name. I have attempted several times to get my ex-husband to sign the necessary documents for the loan modification but he has refused to sign and as a result of this, Citi Mortgage has decided to terminate my approval for the loan modification. It would be of great plesure if someone from your team could respond with next steps on how to get this issue resolved.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, XXXX, TransUnion credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2019-02-17
Company: Experian Information Solutions Inc.
State: MA
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:
First, I am a victim of identity theft. On XXXX I sent a notarized personal statement to XXXX XXXXExecutive Office listing all of the fraudulent accounts, inquiries, phone numbers, addresses and employers. On the same date I also sent 2 FTC identity theft reports, a police report and a color photo of my driver 's license ( for proof of my identity ). On XXXX I received an Experian credit file. This credit file still shows 4 fraudulent addresses ( # 1- XXXX XXXX XXXX XXXX XXXX XXXX ND XXXX / # 2- XXXX XXXX XXXX XXXX XXXX ND XXXX / # 3- XXXX XXXX XXXX XXXX XXXX MA XXXX / # 4 XXXX XXXX XXXX XXXX XXXX XXXX XXXX ND XXXX ), 2 fraudulent accounts ( # 1 XXXX XXXX XXXX XXXX AND # 2 XXXX ) and 2 fraudulent contact/phone number ( XXXX + XXXX ). Section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days ( today is XXXX ) which means Experian is in violation of the Fair Credit Reporting Act. 

Second, on XXXX I sent a letter to XXXX XXXX /Executive Office requesting to have the extended fraud alert removed from credit file. I attached a paystub with my complete SSN to satisfy identification and a utility bill with current service address to satisfy current address. On XXXX I received a report # XXXX from Experian stating : " In order to remove a fraud alert from your Experian credit report, we need the request in writing along with the information listed below ''. The letter I sent to XXXX XXXX / Executive Office clearly states that I have attached a copy of a utility bill. Also, I attached a copy of my license, a police report, a notarized personal statement and 2 FTC identity theft reports on XXXX. 

Third, the resolution I am seeking is for the remaining fraudulent addresses, phone/contact numbers and accounts listed in the first paragraph above be immediately blocked. As well as the extended fraud alert be immediately removed. 

I have attached supporting documentation to this email which I will gladly use to file a case in XXXX Municipal Court and contact all local news channels should Experian refuse to block the fraudulent information above.

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 2021-03-26
Company: Mercedes Benz Financial Services
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: Account information incorrect

Complaint:
The credit bureaus and Mercedes Benz is showing the incorrect balance. This loan was paid off the balance its {$0.00}. The incorrect amount is reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: Sequium Asset Solutions, LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/20, I received a statement amount of {$130.00} from collection agency XXXX XXXX. This bill was generated from XXXX XXXX  which contains the {$40.00} amount for XXXX XXXX as well. I made the settlement payment of {$100.00} on XX/XX/2020 with XXXX  XXXX. I thought this matter was resolved until XXXX sent a " final bill '' of {$40.00} to a third party collection Agency entitled Sequim Asset Solutions in XX/XX/2020. I already paid this final bill and XXXX  XXXX can validate this payment. I am requesting that XXXX follow-up with the collection agency and cease attempting to retain this alleged {$40.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Can not close a safety box at a branch which is closed due to Covid-19. The Bank does not know when this branch will reopen. Since we are unable to access the safety box under the present situation, we like to close that safety box and receive a prorated refund of the fees we prepaid.

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 2020-04-11
Company: Square Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
CASHAPP IS A SCAM ALL THE MONEY, I PUT IN I NEVER ACCESSED IT MY NAME IS XXXX XXXX THEY HAVE NO PHONE NUMBER TO GET ALL MY MONEY BACK. 

XXXX XXXX SCAMMED ME OUT OF CASH APP MONEY XXXX XXXX SCAMMED ME OUT OF MONEY MY BENEFICIAL BANK ACCOUNT IS CLOSED DUE TO THE MERGER OF XXXX. 

I NEED ALL MY CASH APP MONEY BACK.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: Experian Information Solutions Inc.
State: AZ
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:
All of my personal data was potentially disclosed without my control or consent. I have no control over the information given to Experian and they failed to hold my information securely. I now have a burden to watch my information and respond to potential identity theft for the rest of my life.

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 2020-04-11
Company: World Acceptance Corporation
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I went to make a payment on my loan and saw a note on door that they are closing early. They had already closed when I got there. The next business day, I called to get my payoff bal. An employee of the company told me {$1200.00}. I was going to go pay but the rep told me they were about to close. The next day I went to pay, but when I handed them the payment, a different rep told me the payoff was {$1300.00}. I informed her that on the day before that they told me {$1200.00} and I was on the way to pay but they were closing. She told me that it was interest accruing.So {$120.00} was interest for 1 day?! She replied yes. I asked if it could be waived in light of the situation and because they had started limiting their hours they were open. Reply was no.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-23
Company: SUNTRUST BANKS, INC.
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I have banked with Suntrust for almost 20 years now. I have never been a fan of their customer service but there financial products are some of the lowest cost I have found. 

I recently visited my local branch customer service person to request information about rates and terms on a cash-out home mortgage. I was required to provide my wife and my personal and financial information to obtain rates for their refinance product. In the process the person I was working with made reference to a CC promotion they were offering. I stated it sounded good but wanted to focus on the refinance inquiry. 

Long story short : The bank issued a CC to both my wife and I. Each credit card with a XXXX credit limit. I signed nothing, I asked for nothing and they issued it anyway!!! 

My wife and I have outstanding credit ( XXXX ) and debt to income ratio. We are debt free besides our home and the mortgage on an investment property we recently purchased. We are currently exploring purchasing an additional investment property. 

Suntrust has increased my available credit by XXXX without being asked to do so, and with no verbal or written request. Nothing was signed or filled out by my hand or my wifes!! HOW IS THIS LEGAL????? To make matters worse the cards issued were not even as described. The rates and terms were not as described by the banker. 

I went back to the branch and visited the manager who stated he would cancel the cards and have the activity expunged form my credit report. I do not feel comfortable asking Suntrust to act in my best interest and protect my Credit score. 

Do I have other recourse? The transaction was dirty and I feel at the mercy of a mega-bank who can act without consequences. Am I XXXX?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-27
Company: FIRST ADVANTAGE CORPORATION
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I recently applied for employment with XXXX XXXX XXXX. During that hiring process, XXXX solicited a background check from First Advantage, XXXX. XXXX XXXX, XXXX, IN XXXX First Advantage communicated inaccurate & criminal information to XXXX, which had a negative impact on my reputation. 
Either this is a case of identity theft or there is another person, which shares my name & DOB. These are the only two explanations I can offer on how this could happen. 

The background check furnished to XXXX by First Advantage outlines the following ; There was a XXXX XXXX convicted of " XXXX XXXX XXXX XXXX '' & " XXXX XXXX, XXXX '' in XXXX XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX. 
XXXX XXXX # XXXX XXXX XXXX # XXXX This person was found guilty and convicted on XXXX/XXXX/XXXX. 


I have contacted to First Advantage at XXXX ( EST ) on XXXX/XXXX/XXXX and informed them of this issue. First Advantage states they may have referenced the wrong information. 

Presently I 'm unsure of the severity, scope and total ramifications of having been associated with this criminal conviction. How this criminal record may have negatively influence my life from XXXX/XXXX/XXXX to present day.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
LexisNexis Risk Solutions has failed to remove the bankruptcy off my consumer credit report. On multiple occasions I emailed and sent letters via the united states postal service requesting that they provide proof that the bankruptcy listed on my lexis nexis report is accurate and to provide some sort of documentation from the direct federal court house or even a wet signature. Each time Lexis Nexis failed to do a proper investigation. I called the federal court house and confirmed that they are not enrolled or subscribed to any credit agencies to report data but yet lexis nexis without my consent reports this and shares this information to the major 3 credit agencies which is a direct violation of my federal consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

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

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 2017-01-25
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Here is an idea. Let me know what you think I, XXXX XXXX, feel that I am an aggrieved party in this action. Navient has committed multiple acts against me that I believe have injured me and my student loan situation. I am one of the many Navient clients that has been steered into forbearance to my detriment. I believe I was not given sufficient information by Navient to properly decide if this action was in my best interests. This forbearance has added a substantial amount of interest to my loan, therefore ultimately extending the time required to pay off my loan. This process took place between XXXX and increased my loan interest by {$8000.00}. I am paying this increased interest on top of interest to this present day. 

I also believe that Navient purposely misled and deceived me by providing me with unclear information concerning the Income Based-repayment plan that they wanted me to sign up for. The information provided was not clear as to the important dates and deadlines that needed to be followed in order to qualify for this specific plan. I was also denied the relevant information as to the specific dates for program renewal and the length of time it would take for Navient to process my application. The application processing timeframes were necessary for me to have, as Navient knew and failed to disclose that while my approval was pending I would potentially lose the opportunity for the extended repayment plan. Furthermore, because of the waiting period to be approved, my loan payment would increase dramatically between 3x-4x per month. It was at this point where my loan would become due, that Navient steered me into forbearance, adding even more interest unto my loan. Navient knew the process, the timeframes and the consequences, but failed to disclose any of this to me in order to allow me to make an informed decision. 

The representative that serviced me attempted to steer me into forbearance a second time. During the time I was applying for the extended repayment plan, she mentioned that I could not apply for another plan until my income-based repayment plan had ended. Only at that point could I be approved for another plan and that I should wait a month after my plan had ended, enter into forbearance until the beginning of the next calendar year, and then begin that program. I would again continue to pay interest while waiting to get into another program. I was given no information or counsel that said I had any other options. I asked for and did not receive anything in writing concerning my options. She stated that forbearance was the only way to bridge the gap from one program to another. If I had options, I was not made aware of them. 

XXXX XXXX

Company response to consumer: Closed with explanation