BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-02
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I went into a local Fifth Third Bank because I had a check to deposit and I had been unable to login to my 5/3 app, so I wanted to see if they could fix it. They fixed my app login and when I logged in I saw that my savings account had less money in it then it should. I looked at the transaction history and saw that on XX/XX/XXXX a check ( # XXXX ) was posted for {$8800.00} to XXXX XXXX, whom I do not know. Then on XX/XX/XXXX there was another check ( # XXXX ) posted for {$5600.00} to XXXX XXXX, a person I also do not know. I have never bought checks during my time as a 5/3 member. The signatures on the checks were not mine. It was after business hours, so I called the dispute team on XX/XX/XXXX and spoke with a lady and they emailed me paperwork to fill out. I returned the Statement of Fraud paperwork back to the 5/3 dispute team on XX/XX/XXXX via email. My case number is XXXX. I received a letter from them in the mail today that was dated XX/XX/XXXX. The letter states that my transaction dispute for {$14000.00} was denied because " the time frame for submitting a disputed transaction is thirty days after your related statement end date. Unfortunately, the dispute was submitted outside of that time frame. '' They never informed me that there was a window for dispute claims when I had called them on XX/XX/XXXX, and that was 30 days after the related statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27
Company: CREDIT ACCEPTANCE CORPORATION
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27
Company: I.C. System, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted I C Systems last month via letter sent on XX/XX/XXXX, which they signed for on XX/XX/XXXX. I have proof of my communication with them and they have not responded within the 30 day mark. I requested viable evidence of the account they claim I owe. They are reporting negatively on my credit reports without proving the account is in fact mine, which it is not. I have attached my proof of communication with them.

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 2019-12-27
Company: EQUIFAX, INC.
State: NC
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:
After numerous attempts and sending all documents in for the last year the credit bureau Equifax and XXXX refuses to delete fraudulent names and addresses from my credit reports. My name is XXXX XXXX XXXX XXXX  XXXX and my address is XXXX XXXX XXXX XXXX , NC XXXX and they refuse to delete all other fraudulent names and addresses as requested. I have raised concerned with them that this is fraudulent activity and wanted it investigated because it had to be from Equifax data breach of people credit profile being hacked and they still refuse to delete these fraudulent names and addresses!! and XXXX also has refused to delete the same

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: EQUIFAX, INC.
State: CO
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:
Equifax failed to take proper precautions to safeguard my personally identifying information, including but not limited to SSN, DOB, Name, Addresses, Driver 's License number, and credit card numbers, placing me at serious risk of identity theft and other crimes, through no fault of my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: WAKEFIELD & ASSOCIATES, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX  XXXX, XXXX XXXX FL XXXX TODAYS DATE : XX/XX/XXXXXXXX WAKEFIELD XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious WAKEFIELD XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC XXXX XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX  XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: Phoenix Financial Services LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
My son XXXX XXXX lives with his father and grandmother for the last 8 years. His father had custody of him at that time. He is XXXX now and lives with me .Upon the time he lived with his father he was XXXX and taken to the hospital. There are hospital bill being charged to me instead of his father XXXX XXXX who live in XXXX XXXX. 
The medical bill is from XXXX XXXX. 
I live in Georgia for over 10 years. 
I explained this to Phoenix financial XXXX  over and over again., it's even documented. 
They continue to call several times a day and sent several letters. 
I have tried to communicate with his father and grandmother and was advised it is me problem. 
I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Any accounts listed on an identity theft report must be removed or blocked by credit reporting agencies in accordance with FCRA section 605b. In order to help stop erroneous data from being posted on my report, I have included a few files. 
XXXX XXXX XXXX Balance Owed : {$430.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$500.00} XXXX XXXX Balance Owed : {$680.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-07
Company: MILLENNIUM FINANCIAL GROUP, L.L.C.
State: OK
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
A collection was placed on my credit of which I had no knowledge about nor received any notice about the amount claiming to be owed to them. The debt collector ( Millennium Financial Group ) looking to be collect for the amount of {$500.00} for XXXX headquartered out of XXXX XXXX, OK. I do not believe I owe this company nor has proper legal documents been filed showing i owe this amount. Both companies have failed to present me with a detailed spreadsheet showing exactly why I owe the company {$500.00}. Both companies are attempting to collect a falsely amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
On XX/XX/2022, I filed the declaration of unauthorized endorsement or altered item, amount of {$2000.00} to the bank of chase.

Someone stole my check, altered the name and cashed it out. 

The chase bank is saying that they are still investigating and no money has been refunded. 
It has been over 6 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-19
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Enclosed is a letter explainging dire urgency of issues. Around XXXX XXXX XXXX XXXX and myself were with USAA BANK and INSURANCE for CAR and RENTAL. 
XXXX been a member for over 20 years. We had noticed large amounts of money missing from our checking accounts. We made several calls to USAA bank about the issues. USAA BANK was of little help. 
In fact at one point they a USAA customer service person said that we should look at each other as the culprits. It was at that time, I decided to open up a seprete USAA checking account in my own name to monitor issues. And in next few weeks more and more money from accounts ended up missing. It was n't until around XXXX XXXX that we started get answers when a boyfriend of a friend came forward and told us that he knew his boyfriend had been using our information and cards and that he had several convictions against him for credit card fraud and being in caught possession with other peoples credit and or debit cards. The boyfriend of our friend who was doing this to us left a message for the boyfriend were he admitted using us and others and did n't care. He was also renting out his garage to well over 6 homeless or other people and taking their SSI checks. The person who had been stealing from us also had someone show up XXXX at our door which a neighbor saw this and called the police. As well he started many disturbances knowing that we were going to be filing a police report. The loss was greater than we could even imagine around end of XXXX it was around {$20000.00} plus. We also found out the person who had been getting into our accounts had an operation running credit cards from state to state. We knew very little if nothing about account tampering, credit card fraud or anything of the like, so XXXX XXXX called USAA to warn them of all that was going on and that the person doing this had got into our accounts and we were unclear of what they could do to any other accounts at USAA as we said we were just learning about dealing with this stuff. I was asleep when XXXX got USAA employee XXXX XXXX XXXX XXXX XXXX ) on phone. As he proceeded to tell her what was going on I could hear her shriek while waking me up and causing me to go into the other room, she said WHAT DO YOU WANT FROM US. Only she did not use those words. They were much more harsh. And proceeded to rant. It took quite a while for XXXX to explain our situation and that we were calling to let them know what was going on with our accounts and wanted warn them in case the person who done this could harm any other USAA customers with the information we had. After a while of going back and forth, she finally said for us to go to police station fill out a report and let them know what charges were not ours from checking account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17
Company: AES/PHEAA
State: PA
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:
I have been in " limbo '' now for 4 months with Fed Loan Servicing over the renewal of my IDR Plan ( PAYE ). I have been in the PAYE plan for roughly four years prior to this and while I did miss my re-certification date I did end up ( after XXXX applications ) finally getting one through that was in good standing to Fed Loan Servicing. I sent my online request for renewal for ( PAYE ) with an attached IRS document provided from the online service. 

I called in after receiving a letter stating I was approved for my IBR Plan confused as to why it was not PAYE. I was told by a servicing representative and a supervisor that I was indeed on PAYE for the past 4 years and they were not sure why it was placed into IBR. At one point they said the account was notated as the borrower having requested IBR that was proven false when my online application was pulled and I did indeed indicate that I wanted to " RENEW MY PREVIOUS PLAN '' - PAYE. 

I was told during the call above that the account would be looked into and my issue would be resolved. For reference my re cert date was XXXX of XXXX and it is now XXXX of XXXX. I informed the agent that I could not afford the $ XXXX+ payment monthly and that the reduced payment under PAYE was what I was able to afford and had been paying up until XXXX of XXXX. 

About three weeks later I had received no word back from Fed Loan Servicing and I had gotten a letter stating I was now ineligible for PAYE based on underlying loans in my consolidation and that is why they placed me on IBR. They then told me to go to REPAYE for a reduced payment but under REPAYE I will now have to wait an additional 5 years for loan forgiveness. I can not afford my IBR payment and feel penalized and miss informed. I was able to make my payments under PAYE for the last four years successfully and had minimal issues. Now due to miss information and bad handling of my account I am being penalized and forced to use Forbearance after Forbearance ( dating back to XXXX and capitalizing over {$7000.00} of interest ) to cover my payments while I wait for a decision to be made. 

I am not only submitting this complaint here I am also drafting a formal version to submit to PA Lawmakers and the Governor XXXX XXXX. At every stage of this process I have felt under informed and at a disadvantage from the time I was told to consolidate to qualify for the IDR programs to the moment I was told I am not longer to PAYE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-12
Company: Caliber Home Loans, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
This complaint pertains to : Caliber Home Loans , Inc, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, as Trustee for XXXX Master Participation Trust, and XXXX XXXX XXXX, XXXX. 

Issue : Attempting to collect a " debt '' and attempting foreclosure without possessing debt note and deed of trust. Did not provide meaningful response to multiple qualified written requests and debt dispute validation. Filed documents affecting interest in the property in violation of automatic stay.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27
Company: CCS Financial Services, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Around XX/XX/XXXX, someone located at XXXX XXXX XXXX  XXXX XXXX, XXXX, IL got a XXXX XXXX account/service in my name ( XXXX XXXX ) fraudulently. 
In XX/XX/XXXX I received a notice from Credit Collections Services ( XXXX XXXX XXXX, XXXX, MA XXXX - file # : XXXX - phone # XXXX ) stating that I owed XXXX XXXX {$450.00} for electric services at XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent me a bill to my address ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX ). I never gave anyone permission to get this service in my name either. I have filed a XXXX police report & a IOG - Fraud Report concerning this incident. I sent/faxed these reports to the credit collect bureau along with my proof of address. They claim they don't have all of the information & requested my SSN & DL numbers, which I refuse to provide to them at this point. I am working with XXXX XXXX to squash this issue now. Credit Collections have put this on my XXXX  credit report ( XX/XX/XXXX ). XXXX XXXX # XXXX. I wasn't sure of the address at the time I filed the reports, but recently I received the address from CCS via a itemized XXXX  XXXX bill.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: EQUIFAX, INC.
State: KY
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:
On XX/XX/2018, XXXX  XXXX made a hard inquiry on my Equifax credit report that I did not authorize. 

I made a dispute and on the XX/XX/XXXX they said it was legit but if I had a problem with it that I had to call XXXX XXXX. 

I called XXXX  XXXX and they said they couldn't help me because I did not have a XXXX Social Insurance number. They said I had to call XXXX XXXX. XXXX XXXX said they couldn't tell what the problem was and that I have to go through this portal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: EQUIFAX, INC.
State: FL
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:
This is the second complaint I've had to file just with the CFPB. 
I have faxed and mailed Equifax numerous times over the past year and I still do not have access to manage my credit freeze or view my annual credit report. In fact I haven't gotten a credit report from Equifax in several years since this has begun. Everytime I call them to fix this I'm told the same thing. Resubmit the requested paperwork and it will be fixed. They " assure '' me of this everytime. 
The last request I mailed them my W2 with my name, employer, home address and SS # and I still do not have access.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
Getting Collection Calls from XXXX and never received a billing statement. Filed bankruptcy in XX/XX/2014 discharged Chapter XXXX, submitted income based repayment, never received confirmation after all paperwork submitted. Still unable to get proper documentation regarding the loans. XXXX University also still has a hold on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: Experian Information Solutions Inc.
State: HI
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$110.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO ACCOUNT 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- REAL ESTATE LOAN 2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$110.00} -This is not my account.

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 2019-12-27
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Citi Bank contacted a relative of mine and told them that I owed exact amount of money and that I should pay it before XXXX or else the amount will greatly increase

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