BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-31
Company: Rent Recovery Solutions
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My wife and I were living in the XXXX apartments in XXXX Arizona. We had a neighbor try and break in, and when we caught them and of course confronted them, they threatened us and made livelong there miserable. We spoke with the office ( XXXX and XXXX from the company XXXX XXXX  ) and they got us in touch with their manager XXXX. He agreed to allow us to break our lease free of charge for everything we had been through as the office staff did nothing but tell the neighbors that we were reporting them this making everything worse. 

As of XX/XX/2021 a charge hits my credit in the amount of {$1200.00} .... Seriously {$1200.00}... 

We were told that there would be no charges, and upon confronting XXXX about this he immediately changed his story. I even sent him emails showing him where he stated this ( sadly they are too old and I would have to do some serious digging to find those again ) I tried disputing this with XXXX XXXX  only to find out they no longer even own XXXX. 

This is a fraudulent charge, we have reported the living conditions to the XXXX  and to the city of XXXX ( which to be honest I do believe played a part in XXXX losing XXXX ) however this fraudulent charge is making it very hard to get to live anywhere because of this fraud. Also I don't know if this is relevant, however the man XXXX in the front office if XXXX XXXX harassed my wife, we reported it and nothing got done. 

We have explored all options, even tried contacting them and that's a dead end street, please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Company: Coastal Financial Solutions, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
We received calls on our home phone, work phone, wife 's cell phone, daughter 's cell phone, older son 's cell phone from a woman who identified herself as   XXXX   XXXX   from  Coastal Financial Solutions  - phone number  XXXX  - on  XXXX / XXXX /  XXXX   at  XXXX . She stated she was conducting an " investigation '' of our younger son who is in the  XXXX  and currently  XXXX  in  XXXX . This son told us he has no business with this company and is prohibited from taking payday loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-17
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A few years ago I filed a complaint with FCC and fraudulent billing from XXXX XXXX. They were caught XXXX billing my account more then XXXX times. XXXX XXXX closed my account and issued me a refund and refunded all deposits. A XXXX later I started to receive bills from other companies over a {$99.00} charge. This charge was not accurate. I should never have been charged additional months when the account was closed and I was with another company. In addition, if I owned them money, why would n't they deduct the charges from the XXXX dollars that they over billed for. 

I filed complaints and I thought the issue was resolved, until 3 weeks ago. I found the " charge-off '' from XXXX XXXX on my credit report. Today, I was surprised by a letter from Jefferson Capital Systems LLC stating they are taking over my XXXX XXXX account. There is XXXX reference to the amount on the account numbered : XXXX. 

1. I do not owe XXXX XXXX any money because my account was settled in full and I was issued a reimbursement for their XXXX billing. 
2. If this bill has already been listed as a " charge-off '' how can another company take ownership over the account? 
3. I have already had my credit destroyed because I had the mistake of working with XXXX XXXX. They retaliated against me because I filed several complaints. 

XXXX XXXX has violeted my Fair Credit Report Act protection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-31
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act Section 605B, which states that the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days. The account listed below is still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I am having a problem with Equifax removing my paid in full debt collection from debt collection agency. I called the debt collection agency ( XXXX XXXX XXXX ) located in XXXX XXXX, OH with my concern. The last report date on file to Equifax was XX/XX/XXXX. The debt collection agency told me information was undated and sent to Equifax. I have my bank statement that proves the funds were taking out bank account to the debt collection agency on XX/XX/XXXX. It stills shows due amount of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I missed my payment in XXXX. Then I made my payment plus extra towards the remaining balance and have been making payments for the last three months slowing reducing the debt. They are asking for a minimum of {$1300.00} a month! Which is absurd and I have a hard enough time making the minimum payment, but I do plus extra every month. They call my house, my cell, and my work 5-6 times a day! It is non stop. They send emails, calls, email, calls multiple times a day and I already am making payments. When I speak to them to stop - they hang up and call again. I make {$1500.00} payments each month to get current. They need to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: IA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Navient has been collecting for 10 yrs payments for XXXX loans we received [ all in 2006 ] ... ... the balance of all three loans right now are greater [ each loan ] than what originally was borrowed [ XXXX loan is now XXXX greater!!!!! ] We 've paid XXXX 's of thousands of dollars in the past ten years and show NOTHING for it!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: EQUIFAX, INC.
State: TX
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:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. XXXX feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person. 
Edited

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I did not authorize nor consent to the following inquires being furnished on my consumer reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30
Company: BBVA FINANCIAL CORPORATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
RE Case number XXXX On XX/XX/2016, I hired XXXX XXXX XXXX XXXX XXXX XXXX. XXXX to fix my AC unit. It was n't blowing cold. XXXX XXXX sent a technician and they replaced the blower motor. 2 Months after the repairs, the AC unit stopped working. I called the company and they sent someone. The technician told me that the blower motor they installed 2 months ago was failing again. He opened the furnace and I believe " smack '' the motor and got it working again. 
A month after his visit, the blower motor totally stopped working. I checked the company review on their website and found out I was not the first person to complaint. They have been defrauding other customers. 
My bank supposedly has fraud protection. I have contacted a case has been opened and nothing has been done. 
We have been without AC for over 2 months now. My daughter has XXXX and we can not keep ourselves warm in cold days. 

Please help us. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have tried to payoff a loan for over 60 days. I keep making payments and interest or principal keep showing up from nowhere and I cant get a straight answer. On XX/XX/XXXX interest outstanding was {$1.00}. I paid it and it should have closed out the account. However on XX/XX/XXXX when I went to check it, the interest outstanding changed to {$3.00}. I called the customer service and they said they would charge it off and close out the loan. Then on XX/XX/XXXX I checked the account and it no longer had interest due but now principal balance of {$1.00}. I called again and questioned how can this happen, I was told they have a glitch in their system but it will be taken care of. I glitch of over charging and creating a principal balance from nowhere fraud! On XX/XX/XXXX I got a supervisor on the phone that changed the loan to XXXX balance due was tolled it would be paid off shortly. However today XX/XX/XXXX I check the account and it has an unpaid balance of XXXX cents. If Navient is processing payments for hundreds of thousand of student who are not paying attention to their loan, they are making a killing fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft :

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX XXXX is on my credit report as the collector for MBNA. I, at one time, had an MBNA credit card. I did a balance transfer in XXXX of my MBNA account balance to my Bank of America Credit Card to take advantage of a lower interest rate promotion. The MBNA credit card was closed with this transaction. I closed my Bank of America credit card account in XXXX after I started to experience financial difficulties, but continued to pay the debt to B of A until I could no longer do so. I stopped paying Bank of America in XXXX or XXXX. Bank of America this past XXXX did a charge-back and sent me a XXXX Statement of Income that I had to file on my XXXX XXXX XXXX XXXX XXXX and claim over {$14000.00} of bad debt ordinary income. This was added to my retirement benefit payments income and left me with a tax bill that I have no choice but to pay in monthly installments. When I pulled my credit reports in XXXX and saw the XXXX , XXXX collection for MBNA I saw the error. Record of my MBNA balance transfer must have been made available in the post-merger Bank of America files, sometime after XXXX merger of the banks. I do n't owe any money to MBNA. Bank of America paid them off in XXXX ( or maybe XXXX ), over 10 years ago. I have had no dealings with MBNA for over a decade. I 'm paying whatever portion of the Bank of America credit card balance used to hype my XXXX personal income, if any remains from the XXXX balance transfer and close of the MBNA credit card account, in monthly installments to IRS. At best this collection account is too old and MBNA stated mistakenly as the original creditor, so it would appear to be a separate debt from the Bank of America credit card charge-back. XXXX , XXXX on behalf of MBNA appears to be using old, settled debt to pressure me into paying them money not owed by me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
Product: Credit card
Issue: Other

Complaint:
This is a follow-on to the response that Bank of America had sent on Case number : XXXX. 

I have personal reviewed all the documents they have sent and even called some of the companies that were on the statements. However most do not respond especially the shady ones like XXXX and XXXX where I have seen alot of the transaction come from. Also there were foreign transaction fees in which makes things more confusing because I have not left the country in the specified time period that they had specified in the case. It also concern me that they say I had two account numbers XXXX and XXXX and no signed document to show that this account was opened or verifying the agreement of debt. This is their words verbatim from the letter : " XXXX, we regret that we are unable to comply with your request to produce a copy of an original signed application for the account. The application is over five years old and is no longer available. Nevertheless, according to the enclosed Credit Card Agreement, you are obligated to fulfill the terms of the agreement after the account is closed. As of the date of this letter, the amount owed to Bank of America for the credit card ending in XXXX is {$9100.00}. '' The Fair Debt Collection Protection Act actually requires the original signed form of indebtness it in light of the things that happen in the mortgage crisis that led to the Real Estate market crash of 2008.

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 2016-11-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
i ordered a file on me from XXXX and found recorded information that i suspect as fraud activity. There are three discrepancies on my file that has a home address that I 've never lived at.

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 2022-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
I recently received a copy of my credit reports and found that the credit reporting agencies are illegally reporting inaccurate and false information about me. The following alleged accounts are listed as a collection with a balance This is a violation of the FCRA and is also in violation of requisite METRO 2 Compliant reporting standards. 

According to the Fair Credit Reporting Act, I have the right to a fair and accurate credit report, and the credit reporting agencies are required to remove any information that is NOT TRUE, ACCURATE, AND VERIFIABLE. 
Please remove this inaccurate account information IMMEDIATELY from my credit report and send the updated report showing your compliance with all FCRA laws and METRO 2 Reporting Standards as well as these accounts removed XXXX XXXX  - {$220.00} XXXX XXXX- {$560.00} XXXX - {$560.00} XXXX XXXX- {$660.00}

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 2016-02-07
Company: BB&T CORPORATION
State: OH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Hi my names is XXXX XXXX and I 'm very upset with regional acceptance corporation it has over charged me from the beginning of and has n't fixed the problem my payments have XXXX but i was told that my payments would be XXXX and it has n't been no where close to this the car has a warranty but they charged me for another warranty that i did n't need among other things i was promised that i would get my spear tire but i still do n't have one and i need that cause i attend college and you never know what will happen i want my payments to be reasonable like i was told when i purchased the car also they applied Gap insurance on my car with my knowledge

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31
Company: PNC Bank N.A.
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
My payment made early in XXXX 2016 for XXXX for the XXXX payment has never been credited to my account. I have called numerous times to PNC and even though they can see the payment in their systems, I am getting late notices every month and my credit is being effected as well. They need to update PNC internal systems, stop sending late notices, send an updated revised statement and a letter explaining this was a PNC mistake so I can submit to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
There is a Bankruptcy on my Consumer Report that must be removed. I have sent multiple letters to get this issue resolved and i continue to be violated and ignored. I sent letters to XXXX, XXXX, and transunion. Along with that, I sent a letter from bankruptcy court and XXXX that stated they dont report any information, especially personal information to credit bureaus. Also, i sent the letter from XXXX XXXX to them that shows that the bankruptcy will deleted and removed from there data base. SO where are they getting this false information from to report?

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: Experian Information Solutions Inc.
State: CA
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: Was not notified of investigation status or results

Complaint:
Dear Experian, I checked my personal credit report, which I acquired from your company on XX/XX/2020 and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/2020 is still being reported on my credit report. I contacted XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX, they can not see the inquiry and so they can not remove something that isnt there. I request that you initiate a REINVESTIGATION into XXXX XXXX XXXX ( XX/XX/2020 ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation