BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-24
Company: Pinebrook Holdings, LLC
State: UT
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
My private and personal debt information was given to a 3rd party who had no legal reason to obtain this information.. My information was illegally disclosed in detail regarding the type of complaint, the amount of complaints and the nature of the complaints. Nothing was confirmed and all my private information was released to an unauthorized party. XXXX from XXXX XXXX contacted me, my employer, my wife and my brother. The employment was verified, my wife didnt answer the call and my brother was the 3rd party to whom this information was illegally disclosed. My brother does not represent me, my finances nor does he have any legal representation to be given details about my personal matters. This company states that they record all conversations for quality porpoises. I would like them to provide this recording and stop these illegal practices. I am seeking legal counsel to address these illegal activities as they violate the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01
Company: GLA Collection Company, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
GLA COLLECTION CO INC claims I owe them {$1100.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX. I only know about this because it showed up on my credit report. I dont know who they are and have never received anything from them. They dont have my signature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2023-06-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I requested my account be closed XXXX XX/XX/2023 i called bank of america because i noticed my job did not change my direct deposit information and the funds were sent to the bank of america account . bank of america told me that because i requested the account to be closed i can not access the funds because there is a credits only status. they will not remove the credits only status on the account and i was told no one can help me. they told me i would be without funds for the next 10 business days until the account actually closes. then after that i would have to wait another 10 business days in order to receive the check with the funds. The representative i spoke with did not tell me that my account would be on a credits only status for the next 10 business days once i requested the account closure. now i am unable to pay bills, be financially stable, or financially free for the next month. No one at bank of america will help me. i asked the rep for corporate details and i was not provided the information she told me go to a branch to get it. ive spoken with 4 representatives and no one can give me the name or the number to the person who had the authority to release my funds!

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 2023-06-13
Company: Collection at Law, Inc. A.P.C.
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:
The debt collector, XXXX  XXXX, repeatedly harrassed my ex wife and contacted her neighbor to find me, unbeknownst to me. They eventually drop served the papers at her house after repeatedly told that I have not lived there for over a year. They said " we know he lives here a, private investigator told us he lives here. '' They sent a summons after I was served to her house after I was served too. The debt is XXXX. I was seved on XX/XX/23 but my ex did not give me the papers until XX/XX/23 and I got my summons on XX/XX/23.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05
Company: Opportunity Financial, LLC
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I was not aware of interest before agreed to loan. I have paid XXXX for a XXXX. I still owe almost XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10
Company: NATIONSTAR MORTGAGE LLC
State: MN
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I APPLIED FOR A HAMP LOAN ASKING FOR REDUCTION IN INTEREST RATES AND A PRINCIPAL REDUCTION FORGIVENESS. I WAS GRANTED A INTEREST REDUCTION BUT NOTHING ON PRINCIPLE FORGIVENESS. WHEN I TOOK OUT THIS SUB-PRIME ADJUSTIBLE MORTGAGE MY HOME WAS APPRAISED AND I AM STILL OVER 40 % UNDERWATER TODAY. SO WAS I TAKEN AGAIN BY THE MORTGAGE PEOPLE BY NOT GRANTING ME SOME PRINCIPLE REDUCTION FORGIVENESS?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
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:
The company is basically saying that the information is accurate on my report when there are unauthorized charges that I never authorized so I'm putting in another dispute. According to the Fair Act Crediting Law if someone is a victim of identity theft and they're reaching out to the bureau 's regarding unauthorized charges the information should be removed. XXXX XXXX Bank opened my dispute XX/XX/XXXX and got a response back it was accurate and its not. XXXX XXXXXXXX opened XX/XX/XXXX also stating it is accurate, and that is incorrect. Lastly XXXX XXXX, I did not authorized or applied for these credit cards and loans and again would like it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: Genesis FS Card Services, Inc.
State: FL
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:
( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: WELLS FARGO & COMPANY
State: WA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Wells Fargo Small Business closed our business cards on XXXX without my permission or consent. I reached out to ask why and was told " our business was sold. '' I informed the WFSB supervisor that this was not true and to restore our cards immediately as we and our employees need the cards for daily business. 

Later in the afternoon, per the request from WFSB, I faxed a document requesting that the accounts be reopened and stated that the business had not been sold. I also requested that WFSB provide the documentation that stated that our business had been sold.

This morning I received an email from WFSB saying that they would not reopen the accounts. This is very stressful and a huge problem for us. Bills need to paid and products/supplies need to be purchased. 

It is highly likely that the person who sent the email this morning has not received or looked at the fax that was sent yesterday per the WFSB representatives request. Communication within this group is terrible as evidenced by this situation. ( From my previous experience it takes weeks for WFSB to read and enter a fax. )

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 2023-09-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-09
Company: Global Lending Services LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Upon checking my consumer report, I have become aware of the many errors, including false and misleading information, these collection accounts are not meeting the credit reporting standards of reporting 100 % accurately. This has ruined my reputation, has caused embarrassment & humiliation and is damaging my entire life by keeping me from getting new credit for personal, family, and household purposes. I respectfully demand the Consumer Financial Protection Bureau to enforce the deletion of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX, i started working with an agent to help me sell my home through a short sale. We started the process with Shellpoint when I was made aware that town consider this property condemned and had scheduled for the property to be demolished XX/XX/XXXX. The reason I fell behind i was going to renovate the property and when the construction began i was advised that there was asbestos all through out the house. I then tried filing a claim through my insurance and they denied the claims. I was getting quotes from several for asbestos removal and the cost was to much for me to cover on my own and the insurance company wasn't willing to cover any of the cost. I could no longer live in the home due to the asbestos so i had to go find somewhere to live. I couldn't cover both the mortgage and rent. I since have been seeking a resolution with no end results. The short process started and an appraisal was completed. The negotiator and me where trying to get the property value as time was of the essence as the town had given me a deadline to get this resolved with Shellpoint by XX/XX/XXXX. The negotiator was told that the property value was {$3800.00} for the land value. He kept giving the run around stating that he would contact the investor which is XXXX XXXX. Then they came back with with a suppose value $ XXXX for a property that has no structure. I then contact XXXX XXXX and had a case opened and they told me the same that there is nothing they can do that the value is the value and nothing can be done about it. So at the end of it all nothing got resolved. The town will be demolishing the in XXXX and those expense will be on me and the the investor which i do not have the funds to cover a large expense. I just want to be able to sell this property and move on with my life.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2021 I.C SYSTEM, INC Debt Collector Company that Reported on my Credit claiming that I owe them {$360.00}. They have never given me any service or my Creditor and I did not give them permission to report on my Credit Report. I disputed it Through XXXX on XX/XX/2021, on XX/XX/2021 they said the account has been verified as accurate. I.C SYSTEM, INC ( debt collector ) is not apart of XXXX XXXX XXXX XXXX ( creditor ), just because you receives an assignment or transfer of a alleged debt does not make them a Creditor according under 15 USC 1692a. When the Debt is Being Disputed under 15 USC 1692g ( 4 ), verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector. XXXX did not show the Verification and I.C. SYSTEM, INC has not mailed the Verification. It's said that the Creditor Bureau 's doesn't follow or know the FEDERAL Debt Collection Practice Act 15 USC 1692

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 2023-04-14
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Still fail to see how a breakdown in YOUR security is grounds for keeping my money from me. You say you can't prove I didn't have a hand in it, and I don't have information because I am the one who got robbed blind. this isn't going to be an instance where I just lay down and except Wells Fargo denying the responsibility you have to protect me. in order for a scammer to get access to my account, would mean that they had already compromised your system which is in no way my fault. and I have done everything to a T that was asked of me. its time for Wells Fargo to step up to the plate and make this right. I shouldn't have to go to the FBI and go down a rabbit hole with them that won't yield any result, you know it as well as I do. I've filed with FTC, CFPB, local law, local news outlets and attorney general. at what point will this Bank make right what is clearly its fault and for once do what's right and take care of a customer who has been faithful for 20 years. I will not let this go and I will drag it out until such time as it is made right by wellsfargo.

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 2023-01-25
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
i noticed some fraudulent inquiries on my credit report that i did not authorize. Please remove it immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: BMW Financial Services NA, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
In XXXX, I turned in my BMW XXXX months early to upgrade to new lease. XXXX XXXX, the XXXX, from BMW XXXX XXXX, offered to pay my last XXXX months XXXX and new lease would start in XXXX. We signed the deal. 

Approx around XXXX I started to receive collection calls stating I owed {$380.00} from BMW Financial XXXX They never fully explained what the {$380.00} was for. I explained that Manager, XXXX XXXX BMW XXXX XXXX paid XXXX months of my lease so I could upgrade and start new lease. I began to contact both XXXX ( my salesmen ) and XXXX XXXX and BMW XXXX XXXX. They submitted proof to BMW Financial that this was paid. I continued to receive calls and I continued to refer them back to XXXX and send them his correspondence with me. Finally, the calls stopped. In XX/XX/XXXX, I received a call and explained to the man on the phone and I said I can send proof. He said it wasn't necessary and that I should just pay it. That it would be easier to pay it. I said no, I do not owe you that money. In later XX/XX/XXXX, BMW financial reported this amount to my credit and marks it as late every month. I did a dispute in the XXXX app and send all the information again from XXXX XXXX XXXX and correspondence and they denied my claim. This whole thing doesn't seem legal and is shocking that BMW would treat an 8 year loyal customer with impeccable lease payment history like this. They also never fully explained the {$380.00} amount, my lease payments were much higher than this. This should've been handled between BMW financial and BMW XXXX XXXX. 

Here is a copy of XXXX of XXXX XXXX 's messages to me Like I mentioned in yesterday email, we made XXXX payments from XXXX to XXXX on your behalf and since your lease ends in XXXX, XXXX does not require you to make the XXXX payment. You need to find out what payment BMWFS is asking for. 

Hoping for immediate resolution and my credit to be mended ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-07-26
Company: World Acceptance Corporation
State: TX
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 and there are several fraudulent accounts that continue to report on my credit file. I have requested validation as well as verification from XXXX and they refuse to provide. I have attached my identity theft report to this file as well to remedy these inaccuracies as they are Also, XXXX and the data furnishers have violated my rights per the following, 15USC 1681 Section 602, 15 USC 1681 Section 604 and 15 USC 1666B.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: Amsher Collection Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hi, On XX/XX/20 I contacted Amsher to settled a debt. On my credit report due to buy a home. I spoke to several persons before u spoke to the manager XXXX XXXX. During the time XXXX and I were on the phone she sent me an offer letter in which the balance was {$420.00}. I sent a pay for deletion letter and XXXX confirmed she got my letter and I submitted this payment immediately. On XX/XX/20 I received an notification from the credit bureau that my file was updated for a new balance of {$410.00}. I called XXXX immediately and the representative stated she never told me she would delete this information. I think I was very misled and lied to and that is very unethical. Please looks to this matter. I do have emails to prove this took place. Please look into this matter. Thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation