BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-01
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Last year I filed an Identity Theft report with the FTC and as a result placed security freezes and fraud alerts on my credit reports with the 3 major reporting agencies. Of the XXXX only XXXX allows me to access my reports and freeze online. XXXX and Equifax both deny me online access and Ive tried to resolve the problem over the phone and by mail but every time I request any reports or lifts or any information I have been denied. Ive submitted Identifying documentation but still havent received any help. Recently I even received two letters denying me credit and/or loans that I havent applied for. I request access to any application attempts for credit as well as access to my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05
Company: CCS Financial Services, Inc.
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I informed XXXX 1 month before I swiched auto insurance companies that I was looking for better priced Insurance. I found insurance for half of what they were charging me with XXXX XXXX PA. and replased XXXX with XXXX. XXXX now is reporting to XXXX that I owe them over XXXX dollars and this is in collection and is refusing o remove this from my credit report. 

In the state of Pennsylvania all insurance must be paid for prior to service, How can owe them anything? 
Car insurance is paid 1 month in advance also and I did not get any money returned for that or my home owners insurance. 

This is labeled collection Service # XXXX exact amount XXXX.dollarslus you can lose your right to dive if you do not have insurance these people did this also and I was pulled over and checked for insurance by XXXX Police.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06
Company: First Advantage LNS Inc.
State: FL
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:
On XX/XX/2015, my husband and I received a Notice To Impose Claim in the amount XXXX and took the deposit of XXXX for a final water bill of {$100.00}, carpet replacement XXXX, XXXX trash removal of XXXX couches left outside of apartment, XXXX steam clean title, XXXX Rent credit for a balance due of {$1300.00}. We were told in the notice if objected with the balance to write them in writing within XXXX days. I responded to their charges informing them in writing that we did not agree with certain charges such as the removal of the sofa, steam cleaning the tile and replacing the carpet and to use the surety bond to pay for the water bill which was explained to me as my deposit they can claim against if need be after moving. We never received there response and instead received a letter to pay the amount of XXXX and a separate debt collection of XXXX dollars for the surety bond. I called and spoke to a rude and non sympathetic woman by the name of XXXX XXXX in regards of this matter and explained to her the same information back in XXXX in regards to the amount of XXXX. She refused to hear what the issue was and stated we should have scheduled a walk through upon moving out the apartment. I explained to the woman that per the lease we were entitled to the walk through but was denied a walk through the day my husband came into the office to report someone had placed couches outside our building and did not want to be accused they belonged to us. I called this morning about the debt in the amount of XXXX and the same debt collector in regards to the XXXX because it has been reported to my credit report without any consideration of what I disputed. I do n't believe its fair to make someone pay for something they are not responsible for and without any evidence showing that we were responsible to replace their carpet or pay for removing items that did not belong to us especially without evidence. I lived in that community over 4 years and they have never provided a walk through for any tenant who lives there before moving out. I feel like they have taken advantage of us and now is out to ruin my credit. XXXX XXXX even went as far as saying to me this morning to say if you are not calling NCAC to pay this debt then there is no further discussion, this debt will just remain on your credit report for 7 years. I ffeel like the property management company XXXX XXXX managment did not have adequate information to or legally charge us with a debt without verification and validation as they are suppose to provide. It is unfair and unjust for any company to abuse their power to gain money by reporting debt that has not been legitimately verified. I 'm sure we are not the only ones that have been treated this way.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: Applied Data Finance, LLC
State: UT
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I notified Personify that the account was fraudulent and provided them with the completed fraud paperwork and a police report the beginning of XXXX. They continued to call to collect the debt until XX/XX/2022. On XX/XX/2022 they charged off the account and it is now showing on my credit report as a charge off. I did everything Personify requested of me and this account needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31
Company: PNC Bank N.A.
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
PNC Bank said on XXXX, XXXX that I was eligible for an extension since I was never late making payments on the loan. I would not be able to work for 2 months beginning XXXX, XXXX due to major XXXX procedure. Without my knowledge I had received a letter dated XXXX XXXX that I was not approved because of a resolution not put in by the agent. I was told by XXXX in XXXX 2016 that I can email directly to expedite my re-request which they 're now denying ever happened for which I can prove. They 're charging me {$1000.00}, saying I 'm behind when I only skipped XXXX payment in hospital unaware of " non-approval ''. They reported me to the Credit Bureau and my score is now ruined. I spoke with XXXX manager XXXX. He said he tried but top people will not honor the agreement and are rushing me to sign another extension agreement in less than a week to rectify some charges but say that they are not willing to help me to get my negative credit report dissolved. He admits that it 's poor communication on their part with me, the consumer having to make all the effort while at the same time trying to recover from major XXXX and medicine.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
HI HOW ARE U MY NAME IS XXXX AND IM XXXX ABOUT MY CREDIT ITS AFFECTING MY HEALTH AND MY QUALIFICATIONS TO LIVE SUPPORT MYSELF.XXXX ,XXXX,AND EQUIFAX HAVE DENIED MY DISPUTES AND AT TIMES HAD THE WRONG INFORMATION ON MY APPLICATION.IM CURRENTLY SEEING A XXXX XXXX AND IAM TAKING XXXX DUE TO XXXX PLEASE HELP I FOUND U THRU XXXX MY CONTACT NUMBER IS  AND EMAIL IS XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01
Company: Dyck-O'Neal, Inc.
State: VA
Product: Debt collection
Sub-product: Mortgage
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Dyck Oneal has repeatedly called us and threatened to take us to court over and over again for years. Their collection tactics are abusive. They are still on our credit report without a judgement ... just threats and harassment. Everything has been documented. They have violated FDCPA several times.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: Mendelson Law Firm
State: TN
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Noticed my check was being garnished but I never receive anything from anyone about who or why.. After making a few calls, I find out its Mendelson law firm. I call them on XX/XX/XXXX and they told me I had a balance of XXXX and that they would send a copy of the judgement against me. After looking over the copy they sent, it said that the judgement was for XXXX I 'm not sure when my check started getting garnished but i have each weeks check from current day to XX/XX/XXXX stating how much had been token out each week for a TOTAL of XXXX that is XXXX too much. I 'm not exactly sure when the garnishment started, it was sometime around XX/XX/XXXX but could have possibly been a week or so earlier. When I ask the lady on XX/XX/XXXX what the balance was she told me XXXX I spoke with the same lady again on XX/XX/XXXX she told me my balance was only XXXX I was confused as to how in 7 days did my balance get reduced by XXXX dollars in 7 days when my check was only being garnished of XXXX a week. The lady asked to call back. She called back in about 15 minutes and told me the original creditor was XXXX and the Mendelson had assumed the bad debt from XXXX. She also said that since I last spoke with her 7 days prior, that Mendelson had received one payment of XXXX something dollars and one that was a XXXX dollars. Again me being confused as to how they were getting XXXX checks when only XXXX dollars was coming out of my check each week, I asked her. That 's when she started telling me of assuming the bad debt. I think the whole firm is shady and may never stop trying to get money from my check. Oh and I think I fail to mention that the original judgement was dated XX/XX/XXXX.. I 'm not sure but I thought after a determined amount of time, these things expired

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-03
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
Citicorp refuses to remove fraudulent inquiry from my credit report. the customer service is horrible and they LIE. Every single time i talk to someone from this company they acknowledge that the activity was XXXX and they tell me to give the credit bureau XXXX 30 days to update the info. 30 days to remove hard inquiry that was proven XXXX. and they after the 30 days never happens. I can prove ID Theft that dates before this date and even alerted XXXX that this application was not me immediatly after i received the Alert someone was trying to open an acct in my name. Citicorps 30 day excuse is getting old since it is nearly 6 months after the first time i was told it would take 30 days. see attached.

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 2015-05-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card
Issue: Billing disputes

Complaint:
BANK OF AMERICA IS UNLAWFULLY RE-INSERTING ACCOUNT # **************** AND ACCOUNT # XXXX SEVERAL TIMES OVER XXXX YEAR PERIOD ON MY XXXX CREDIT REPORT WITHOUT 5 DAY NOTICE TO CONSUMER AND VIA CHANGING ACCOUNT DATA, IN VIOLATION OF F.C.R.A.. XXXX HAS ASSISTED THEM IN DOING SO, AND MUST CEASE AND DESIST ANY FUTURE ILLEGAL ACTS. REMOVE XXXX ACCCOUNT FROM XXXX OR PAY FINES FOR DAMAGES.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22
Company: Experian Information Solutions Inc.
State: ID
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:
Account listed in 2016 was paid for and closed, the agreement would be the accord reflect as paid in full and closed. It currently continues to show as in " collections '' on my consumer file which is false and inaccurate and is grounds for Federal Legal action immediately. 
XXXX XXXX  was contact more than a month ago regarding this showing on my credit as in another status, " charged off. '' This too was false and is still grounds for Federal legal action. 
XXXXXXXX XXXX states they would contact me within 30 days and ha e failed to do so. They have my phone number and ha e never called, left a message, no email, nothing.

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 2017-01-19
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I have a XXXX loan dating from 2002. I pay {$380.00} per month. The loan was for {$52000.00}. I had one bad year financially and requested relief. They said fine and proceeded to charge me roughly {$6000.00} which was apparently added to the principal. After 14 years of payments, the principal is still {$43000.00}. Navient now has the loan. the loan is in my ex-wife 's name. I have always paid it. the student was my daughter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18
Company: Penn Credit Corporation
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid my debt to XXXX consumer agency and now there are XXXX other agencies trying to collect on the same debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
1. In XX/XX/XXXX-XX/XX/XXXX, I made XXXX investment (rental) home purchases in Florida. Fraud intent loan applications were submitted by mortgage brokers wilfully, selling XXXX apartments in same complex to me, same day. Submitting my applications fraudulently (for 1st and 2nd mortgages on each) to 1. Different banks on same day ! 2. Putting "primary residence' as info so banks can make the loan-all can profit from such practices. Such banks were: Bank of America, Countrywide, XXXX, XXXX, and others that went under since !

2. Now these BAD LOANS are sold (for pennies on the dollar value) to XXXX 'bad loan' shark markets, that engage "collection agencies', these then employ/ recruit law offices to sue to collect as much as they can in a) settlement or b) lawsuit for full amounts plus ridiculous/ "max ALLOWABLE CUSTOMARY" charges Law office charges for income garnish.

3. All in all : Victimization. And only a few are selectively so, while others have been consolidated on paper by system bankrupted by such pratices.

I am also going to write such details to political parties and presidential candidates, so that others in my fraud intent forced situation can be protected.

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 2015-09-08
Company: Franklin Mortgage Solutions, LLC
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received an unsolicited letter wanting to consolidate my existing mortgage and an estimated credit card debt of {$5000.00}. The letter stated that Franklin Mortgage Solutions could lower our monthly payments to {$1400.00}. I was given a phone number XXXX to speak with my loan representative. I do not have any credit card debt nor any problems paying my mortgage. The letter is very confusing, leading me to think that I have debt! The " Account Number '' for " my case '' is XXXX, sounding like something from the IRS! I was given a phone number to stop receiving " prescreened offers ''. I called that number but I was not able to ascertain whether this was a legitimate government agency! I can imagine that many people would be confused and very anxious that they were in debt. The " new loan proposal '' to correct this " problem '' was a 30 year fixed rate of 4.125 %. This letter is very incomplete regarding all the pertinent details.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I tried the CHRCK STATUS above. The page says welcome XXXX XXXX and nothing else happens. 
I would like to check the status on my complaint XXXX. Citizens Bank has never provided proof of their actions which they promised me months ago. I since checked with XXXX Child Support Agency. The state of XXXX never properly filed for a Multi State Levy in XXXX to take such action. That 's because no such court pay order exists. I just want my money back. 
ThanksXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: Tribal Lending Enterprise, Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
silver cloud financial charges a lot on there interest. I feel with the high interest this account would be pay off already. I have already pay XXXX on my loan. interest is very high. my fault for not looking at that more. the interest is 831.1206 %. I would like to have account pay in full and name removed from the website and company. I no longer want to be in that trap with high interest on a installment loan. I now understand them more and do not want to be part of that. please remove and correct. thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I filed for Chapter XXXX bankruptcy on XX/XX/XXXX and the case was successfully completed on XX/XX/XXXX. I have been disputing XXXX account on my Experian that were included in my bankruptcy and should have been remove XX/XX/XXXX and have not. On XX/XX/XXXX I called Experian and emailed them the banckrupty paperwork from the US Courts and the person I spoke with told me " we have to go by what the creditors say because they subscribe to our services ''. Basically they go by what the creditor says even if it is incorrect because they pay them. I explained to the person that the creditors are reporting incorrectly by changing the filed date so that the accounts can stay on my report for longer. The person at Experian then said that he would submit the claim. On XX/XX/XXXX I received paperwork that said they could not use the paperwork that I provided them and that the accounts will remain on my report until XX/XX/XXXX. The paperwork I provided them is from the US Courts and they could not update my status with official paperwork from the court system that clearly states when my bankruptcy was filed and closed. The actual public record from the bankruptcy has been deleted by the courts and the creditors continue to fraudulently report items on my report. The accounts I am referring to are : XXXX XXXX XXXX, XXXX XXXX partial acct # XXXX. This account was discharged through the bankruptcy. 
( 2 ) XXXX ( XXXX ) XXXX XXXX, XXXX XXXX The first account is reporting as if it was n't included in the bankruptcy and it is reporting late payments. It was included and discharged with the bankruptcy. The second XXXX ( XXXX ) 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 non-monetary relief
Consumer complaint received 2017-03-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, XXXX, XXXX XXXX To Whom it May Concern : Experian XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XX/XX/XXXX XX/XX/XXXX All Banks XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, XXXX XX/XX/XXXX XX/XX/XXXX Personal Loans Cos. 
XXXX XX/XX/XXXX XX/XX/XXXX All Banks XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, New XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. 
Sincerely, XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS 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 2017-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
An account was deleted and my score went up but then a week later the same account was re-added and brought my score down again.

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