BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-01
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Yesterday I made a deposit via mobile banking. I verified the bank received my deposit. It was added to my balance, so my checks were covered that I wrote on XXXX/XXXX/2015This morning,XXXX/XXXX/2015, I checked my bank statement on line, and I had a overdraft fee of {$210.00}. My bank statement shows that my account was overdrafted only because of the {$210.00} that the bank took. I spoke to Regions bank at several levels and was told that the statement presented on line is not accurate. Why? 
Regions has overdrafted my account for the past 4 months, everytime I have used mobile banking or, looked at my statement at night only to wake up and find that they changed the order of checks already processed with something pending to create an overdraft. 
I am not perfect and I have a mom on my account that sometimes uses the check card without telling me, so I can understand an overdraft here or there, but we are talking about {$700.00} to {$800.00} in the last 4 months. There is no cooperation from the bank. All I am told is that I overdrafted my account and there is nothing they can do to reverse it. 
Something needs to be done. I am very frustrated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-13
Company: Nevada Credico, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i never been to vegas never rented a car in vegas this is not mind its another XXXX XXXX and they wont remove this fraud account or mis idenity account they wont call me back or anything

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 2021-01-13
Company: EQUIFAX, INC.
State: GA
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 Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. 

I will also file with the CFPB and FTC! This is unacceptable! 


Please remove these fraudulent account asap!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: GOLDMAN SACHS BANK USA
State: NJ
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I called and closed three of my CDs with Marcus by Goldman Sachs on XX/XX/2021. Two accounts totaling approximately $ XXXX were closed and the funds were returned to me. It should be noted that promised wire transfer dates were not adhered to and required my constant follow up. As of XX/XX/2021 a third account has not transferred on promised dates even with follow up on my part. XXXX is will promptly open an account but will does not respond well to requests for account closures. I had a medical emergency that I required my funds for and XXXX was completely unsympathetic and unsupportive of needs. Never again will they receive a single XXXX of my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I had a car financed with Hyundai Motor Finance the past six years. I only had four payments left on the car when I was involved in an accident. As a result of my claim I was given a check for {$1700.00} and by the time I got my check I only owed about {$350.00}. I decided not to get the car repaired because I ended up getting a different car. Because Hyundai still had a lien on the car the check from the insurance company was made out to myself and Hyundai. When Hyundai got the check they took out the XXXX I owed them and said they would send me the balance of {$1300.00}. I asked when I could get the balance they owed me they said they were going to hang onto my check for 30 business days. Can they hold my money for 30 business days?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19
Company: WALDEN ASSET MANAGEMENT LLC (Closed)
State: VA
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
walden asset management is leaving voicemails threathing to file a greivence if I did n't return a phone I saved the messages XXXX were lft in 5 days

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16
Company: Dynamic Recovery Solutions, LLC
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
I received a phone call from Dynamic Recovery Solutions at XXXX. 

After calling me, they called my mother in another state. They told my mother should can pay the debt for me. 

No debt exists. All debts I owe have been paid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Account is still being reported on my credit report as 7 years.

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 2021-01-13
Company: EQUIFAX, INC.
State: FL
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:
There are currently numerous inquiries listed on my credit report that I did NOT initiate or authorize. This was a result of malpractice or an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18
Company: Persolve, LLC - Legal - Series 2
State: CA
Product: Credit card
Issue: Delinquent account

Complaint:
I had a {$6500.00} XXXX credit card account with a balance of {$6100.00} in XXXX. In XXXX I had gotten laid off from my job and worked out a fixed payoff plan and had paid over {$2000.00} by XXXX. I missed XXXX payment and they bounced the balance up to {$6500.00} stating the reasoning was because of the payment arrangement that we had. I told them that I would agree to settle with the remaining {$4000.00}, and felt cheated since they basically " stole '' {$2100.00} from me, but they would not have it. They ended up sending me to collections and then put a lien on my house. That house was sold in a short sale in XXXX and in XXXX I got notification that XXXX was attempting to collect {$10000.00}. I ignored it and figured it was a scam because I never had any account with them for {$10000.00}. Now I am trying to buy a house, it is over 8 years since I had the debt, and I come to find out that a company called PERSOLVE, LLC ( Account Resolution Associates ) is claiming I owe them {$10000.00}, apparently from this credit card account, and is preventing me from buying a house. Should n't this have been settled with the Lien in XXXX? How can they legally come to me 6 years after the lien and try and collect over 2 times my remaining balance of {$4000.00}?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: EQUIFAX, INC.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have unauthorized accounts & inquiries on my report and would like it to be removed according to the FCRA any inaccurate items on my Credit report that isn't % 100 verifiable or accurate must be removed!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21
Company: Trident Asset Management, L.L.C.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint:
This company is making fault reports to all XXXX credit reporting agencies saying this a retail debt which is not true it is a bad check at XXXX. Not contacted by this company to resolve this issue i called them and asked why they were saying this was a retail debt and put negative information on my credit reports. I asked them to remove it and make arrangements to pay nsf checks rep did not want to hear it.i have had bad checks in the past and resolved them and never had XXXX placed on my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-20
Company: FORD MOTOR CREDIT CO.
State: MO
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
PURCHASED CAR XX/XX/2015, WHEN PURCHASED DEAL OF 75 MONTHS 0 % INTEREST AND NO PAYMENT FOR 90 DAYS. BECAUSE THIS WAS NOT WRITTEN IN ACTUAL CONTRACT, THEY DID NOT EXTEND THE 90 DAY OFFER. NOW I HAVE A 30 DAY LATE PAY SHOWING ON MY CREDIT REPORT. I HAVE TRIED TO CORRECT REPORTS, DEALER REMEMBERS THIS WHOLE THING BUT SINCE WE SIGNED CONTRACT AND IT WAS NOT WRITTEN IN CONTRACT THEY ARE NOT ABLE TO DO ANYTHING. THIS IS HORRIBLE AND EFFECTS ME GREATLY

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : 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 2017-01-12
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Secured a LOAN, was given a bank check issued to the escrow broker ( Payee ) but the payee would not release the asset until Full clearing of funds was verified by the bank. The bank stated it would take 2 business days to acquire a COPY AFTER the check was already cleared. However, I was being charged per day interest on a loan that I had no asset for? Is this acceptable?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-18
Company: BYL Collection Services
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I applied for an apartment at XXXX but my application was denied for an apartment. I received a letter stating I was not approved. The apartment complex is saying I owe administrative cost because I was approved and did not move in. I have forwarded the debt collector my letter where I was denied and they continue to try to collect and the apartment complex wo n't remove the debt either.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-20
Company: National Credit Systems,Inc.
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have received letters from National Credit Systems Inc. located in XXXX, XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX They claim I owe {$3000.00} from XXXX XXXX XXXX where I have never lived.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The debt they began calling my place of employment about is a time barred debt. 
They pulled the number off the internet for the company and willingly told the person on the other end they were calling about a XXXX XXXX card I owed money on. 

Luckily that person was my husband however he didnt identify himself as that, he also answered the phone with the company name. Which is listed as my employer. 

The card last payment was in 2011. 
I specifically called back and asked if my debts with them are time barred, Told them we had already told them And wrote them to NOT contact me and I knew my rights. 

They are pulling my credit for time barred debts. 

Debt that was used fraudulently by someone who is deceased by suicide. 
These are not my debts, I fought before to remove, I will not pay debts I didnt incur and them soft inquiring my credit is alarming people like mortgage companies etc. they can see that. 
I know it says that they can not see soft inquires but then how would they know that? 

A time barred debt that can not be collected by legal action has no business in the hands of a creditor using unethical practices. Telling employers employees business, pulling credit. 

This debt is 10 years old now as of last payment. Im done playing games with this company. 
Even after writing letter TO NEVER CONTACT ME AGAIN they pull my credit. 
Lie about being time barred when I ask, they simply would not tell me which I know the information already. Because I worked hard to remove it and then worked years on my credit. 

Your company should be ashamed of itself. I know you cant tell employers or anyone answering the phone information. You certainly did. The credit pull I dont know but time barred debt Credit pulls something should be done immediately. 
Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-13
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I disputed this two rounds and the credit company did not respond back and they have not reported in the remarks with the bureaus that I have been disputing this for the last few months. I am enclosing all the information, that I have been requesting debt validation and printed copy of my report showing that this company is in violation for not reporting that a consumer has been disputing and requesting validation.

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 2017-03-16
Company: AMCOL Systems, Inc.
State: SC
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was working for XXXX XXXX and moved some stacks of newspapers on my counter. I lifted a stack and moved the wrong way and I got a sharp pain down my arm. After that I could n't move it and I was in a lot of pain. My manager, XXXX at the time drove me to XXXX and stayed with me and went in the room with me when my name was called. After examing my arm she asked if it was a workman comp. Situation and the Dr. Said yes. We went back to work and I had to fill out papers with her because I could not write, for the forms for workman comp. After that I left her office and got driven home. I thought it had been paid and now I see it has n't.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2016-08-02
Company: WESTERN UNION COMPANY, THE
State: NY
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
I have recently made a transaction on XXXX XXXX. The receiver in XXXX informed me she has not received the money yet. I contacted western union and they told me that the transaction was declined and the refund will be made within 7 business days. After 7 business days i called for the follow-up, they told me there was an issue to the refund, and asked me to wait 7 more business days. After a third 7 business days, i called them again and the agent asked me to wait another 7 business days. They told me the same thing for the fouth call. Today, i call them for the fifth time, and they still ask me to wait 3-5 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Ive always kept up with my credit report and ensured I made responsible decisions with my credit. Im still in disbelief that someone was able to take out car loans and credit cards in my name. Losing my job due to the pandemic, my identity being stolen, my credit greatly impacted, and my family passing away due to COVID-19 has impacted me heavily. Please help me get my life back.

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 2016-06-27
Company: Sklar Law LLC
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
No court showed any judgments. Judgment was removed off credit report on XXXX XXXX. I did n't even know a judgment existed! Was never even notified! They wiped out my bank account and took 100 % of my money. I was on a payment plan with Sklar Law. I had a baby and told them due to FMLA, it was not paid. I contacted them in XXXX XXXX and temporarily stopped my repay plan with them agreeing i would return. In XXXX XXXX, i went back to work and called to restart my repay plan. They denied and hung up on me. I called in XX/XX/XXXX, same issue, they denied to restart my repay. Never told me anything on any judgment, nor did i ever get any mail. i hired XXXX to help my credit, then all of a sudden, Sklar Law took my money a few months later. I called again on XXXX XXXX, XXXX and was cursed at and huung up on 7 times! I called the court administrator and she said they never told her i was on a repay plan. After numerous calls, they finally admitted that i was on a repay and stopped it. The court administrator supervisor said she was going to call me. Due to XXXX, i had to leave the apartment complex i was in.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
We refinanced in XX/XX/XXXX, after being told that they could help us refinance and then after a year we could get a better loan, when our credit was better. Well it is XX/XX/XXXX and our principal has gone from $ XXXX to $ XXXX, we had XXXX modification, but it did n't change the " terms '' of our loan and because the investor ( XXXX XXXX XXXX ) put a clause that the loan could only be modified once, we ca n't get help with HARP or HAMP. This was an interest only ARM loan and now our interest rate is 12 % and our payment is over $ XXXX/month.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: EQUIFAX, INC.
State: IN
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 have disputed the errors on my credit report multiple times but it is still showing on it. The credit buraus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report.

Company response to consumer: Closed with explanation