BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-15
Company: The CMI Group, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I've been recently made aware of a supposed debt to Credit Management. On XX/XX/2019 the debt was added to my credit report. I have no contractual agreement with this company and no proof of this debts validity. The debt is for XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am requesting the deletion of account COLUMBIA DEBT RECOVERY DLOGSEXXXXXXXXXXXXXX. This debt collection agency has engaged in practices that are abusive, deceptive, and unfair actions which are clear violations of the FDCPA. They have reported an account that I did not agree to nor sign any agreement for. A legal contract necessitates the agreement of two parties, and I had no involvement in any such agreement. Moreover, they failed to follow the proper five-step validation procedure, further highlighting these unfair practices. I also have uncertainties regarding whether I ever held an account with the original creditor. The original creditor did not verify the account, nor the balance listed on my credit report. OLUMBIA DEBT RECOVERY is illegally furnishing an account to my credit report. This company is also calling me continuously and harassing me about a debt that I do not owe them. Please consider this letter as an official request for cessation of communication under the FDCPA. Failure to comply with this request will be a violation of the FDCPA, and I will have no choice but to pursue legal remedies available to me under the law. Delete the account OLUMBIA DEBT RECOVERY from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax Llc Credit reporting agency has failed to get back to me within a 30 reponse time, and did not remove the inaccurate item. in addition this company did their investigation and did not report any findings. just deemed as verified. which is impossible becausw ] e those files not correct and can not be verified. his has been on going for the past 6 months. IN Addition this company has been reporting a account that has been closed. another violation. I'm adding proof XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-05
Company: U.S. BANCORP
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I received, unsolicited an " upgrade '' to my credit card account issued by Elan   ( Visa card ).
Sticker on the front of the card said it can not be used without first being activated by   calling  XXXX . I called. This is not a card activation, but an automated promotional number offering a seemingly endless series of promotions. "  Press one  to accept, press pound to decline. '' After pressing pound, a different offer is given. After pressing pound again, another offer, and so on. Offers were for  XXXX ,  XXXX   XXXX  and other similar companies. I tolerated this for about four minutes and then dialed the " 24-hour cardmember service '' number of  XXXX . After navigating the menu I reached a rep who activated the card. I complained about my experience and she said she would " pass it along. '' After the call I tried participating in an automated survey that was offered, but each time I pressed " very dissatisfied, '' the response was " the data is incorrect '' or some similar statement.

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 2022-03-24
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mr. Cooper has provided the below 'contact ' information as the owner of my mortgage. 

XXXX XXXX XXXX XXXX XXXX, as Trustee for XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Series XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX However, I am unable to contact or speak to anyone from this organization. Why am I unable to contact the investor / owner of my Note directly? 

I have repeatedly asked Mr. Cooper who I can talk to with no response. 

I call the organzation at the address and they can not put me in touch with anyone either. 

WHAT IS A VALID PHONE NUMBER, EMAIL OR CONTACT NAME FOR THIS " INVESTOR ''?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05
Company: SUNTRUST BANKS, INC.
State: WY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In  XXXX   2017 I request ed my mortgage provider,  Suntrust Mortgage, begin drafting my savings account instead of  my checking account from  XXXX   XXXX   XXXX   XXXX   XXXX  for my monthly home payment . Suntrust indic ated they had made the changes and the  1st  draft from my savings would begin in  XXXX .  Suntrust then drafted my checking account as usual. I did not have the   funds for the mortgage payment in my checking -- I had it in my savings account where they should have drafted from. This caused me to incur  XXXX  non-sufficient fund charges for {$30.00} each. I contacted  Suntrust who assure d me they drafted my savings account and the problem w as with my bank. I contacted my bank who assured me Suntrust  drafted my checking account like usual -- not my   savings account as I had request and they assured me they would. My bank provided me a copy of the  XXXX  draft attempts and  XXXX  insufficient ACH fund charges on my checking account. I provided this informati on to Suntrust who reviewed the information and then concluded that they did indeed draft my savings account to the contrary of the proof from my bank that they drafted my checking. Through no fault of my own this big company insists they are right and has caused me a {$60.00} fee and it looks like I did n't pay my mortgage on time. Suntrust di d n't draft my savings or they would have gotten the mortgage payment funds. They are wrong and they wo n't admit it even with PROOF from my credit union.

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 2018-11-07
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
American Express needs to delete, remove and block this fraudulent account on my XXXX credit report. I did not open this account. Someone used my name without my consent. I will contacted the consumer attorney as well as writing my Attorney General Office regarding American Express reporting a fraudulent account on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-14
Company: ERC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Enhanced Recovery Co, reported address XXXX XXXX XXXX XXXX FL XXXX, phone # XXXX reported a debt owed of {$2400.00} from XXXX XXXX. I attempted to contact the number provided and it is not in service. 

I have not had an XXXX account in over 7 years, and it was paid in full. I have never been contacted by XXXX or Enhanced Recovery Co regarding this debt. It suddenly appeared on my credit report in XX/XX/2020. 

I attempted to contact the company with a number I located on XXXX search on XX/XX/XXXX at XXXXPST. I was told that I had to provide my entire social security number in order to pull up my file. I am not comfortable providing my social to a company who I have no idea their interest or intent. The company does NOT list an account or reference number on the file in order to discuss the account without giving my personal data I contacted XXXX on XX/XX/XXXX at XXXX PST and they advised via my social security number that I do not have any associated debt with their organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
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:
This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be deleted. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$850.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXXBalance : {$990.00}

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 2023-04-13
Company: EQUIFAX, INC.
State: FL
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 this reporting account 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: EQUIFAX, 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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX NC XXXX XX/XX/XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: Resurgent Capital Services L.P.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a collection company called XXXX XXXX XXXX that has called me and threatened me and they have also sent me a bogus offer to settle a debt which they can not verify or validate. They say that they represent some company called LVNV Funding LLC. I have asked both companies to send me the original agreement from XXXX XXXX showing that i had an account with them and they REFUSE To do it. They are falsely accusing me of having a debt of XXXX that I do not owe. I do not have a contract with either one of these companies but they are trying to harass me and extort money from me and I have demanded that they cease and desist with any collection activity. I am sick and tired of having to go through this with these companies and I am demanding that a full investigation be done into their illegal collection practices when I have requested and demanded that they stop contacting me, stop sending me stuff in the mail and they have threatened to put this on my credit reports without sufficient proof that this is a valid debt and that this debt is mine. I have asked for the original contract and source document and they CAN NOT and or WILL NOT PROVIDE IT. Provide a credit card application with my signature and this can all be settled, you can not because one does not exsist. XXXX XXXX has taken an old unverified debt, wrote it off as a loss then sold it to these two bogus companies for a false collection attempt and I will not stand for this anymore. They just contacted me again today and I have asked them not to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-04-13
Company: EQUIFAX, INC.
State: FL
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 credit Bureaus stated my accounts was properly investigation but how is that possible if the open date is inaccurate. the date last and last reported is not accurate, This is ground for removal they also violated my right under 15 U, S, C 1681 section 602A. States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also that a consumer reporting agency can not furnish a account without my written instructions. 
In accordance 's with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. 

XXXX XXXX XXXX XXXX XXXX DATE XX/XX/XXXX XXXX XXXX XXXX ACCT  XXXX DATE XX/XX/XXXX {$730.00} XXXX XXXX ACCT  XXXX DATE XXXX {$980.00} XXXX XXXX XXXX ACCT  XXXX XXXX XX/XX/XXXX {$1400.00} XXXX XXXX XXXX XXXX  ACCT XXXX Date XX/XX/XXXX {$780.00} XXXX XXXX XXXX ACCT XXXX DATE XX/XX/XXXX {$620.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 report and noticed a error on my report and In accordance with the Fair Credit Reporting act XXXX Account 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 XXXXXXXX XXXX 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 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-06-15
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
This is a formal complaint to inform you that the accounts listed below are reporting erroneously & are inaccurate. The banks are reporting these accounts inaccurately. They informed me they had an internal issue & posted me past due. Please investigate these accounts & please update the accounts to a positive status of open/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-03
Company: JH Portfolio Debt Equities, LLC
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a collection company called Credit Control LLC that has called me and threatened me and they have also sent me a bogus offer to settle a debt which they can not verify or validate. They say that they represent some company called XXXX XXXX XXXX. I have asked both companies to send me the original agreement from XXXX XXXX showing that i had an account with them and they REFUSE To do it. They are falsely accusing me of having a debt of XXXX that I do not owe. I do not have a contract with either one of these companies but they are trying to harass me and extort money from me and I have demanded that they cease and desist with any collection activity. I am sick and tired of having to go through this with these companies and I am demanding that a full investigation be done into their illegal collection practices when I have requested and demanded that they stop contacting me, stop sending me stuff in the mail and they have threatened to put this on my credit reports without sufficient proof that this is a valid debt and that this debt is mine. I have asked for the original contract and source document and they CAN NOT and or WILL NOT PROVIDE IT. Provide a credit card application with my signature and this can all be settled, you can not because one does not exsist. XXXX  XXXX has taken an old unverified debt, wrote it off as a loss then sold it to these two bogus companies for a false collection attempt and I will not stand for this anymore. They just contacted me again today and I have asked them not to.

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 2023-05-20
Company: Albert Corporation
State: SC
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Albert, which is, I guess, a banking app., has been sent me an account statement update email. The text read as such : " Your XXXX Albert Cash and Albert Savings statements are now available to view in the app. To view them, go to the profile tab ( ) > tap the menu icon > Documents. '' This was sent on XX/XX/XXXX. I immediately replied to the email, to their support team, that I'd never opened this account and wanted some answers. I asked them to cancel the account. However, they then asked me for my full name and date of birth on XX/XX/XXXX, which is very sensitive personal information that could be used to steal one 's identity ; a quick XXXX search tells of the dangers of sharing just this information. I refused to give this information online, and asked that they call me on the phone or send me a phone number. They told me they only offer email and text support, and their messages seem to be AI-generated. I can't even get a name of who I'm speaking to from them. So, I'm very frustrated and this bothered. Either, it seems, my identity was stolen and used to create an account with this company, which I can not now close. Or this company is actively attempting to phish my personal information. 

Albert 's website is here : https : //albert.com/ This seems like a highly untrustworthy company, and I hope they can be investigated for the way they're treating people 's personal information and potentially enabling identity theft.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation