BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-17
Company: American Recovery Service Incorporated
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
some time on or about fob XXXX company by the name XXXX XXXX # account XXXX company gold card that Carrie a XXXX per year membership fee that was paid in XXXX on that statement for XXXX. the company have three account with XXXX XXXX never late or never missed payment. last year XXXX XXXX request a copy of the financial statement which they already request them back in XXXX. and the financial record was submit to XXXX XXXX. XXXX XXXX after review those financial XXXX XXXX re -submit the account in 24 hour and re- open the account.. just because at the time the CPA have not prepare the Tax retune for the year XXXX. the representatives for XXXX XXXX stated that the reason for close the account and for the request for the statement was because my husband 97 % of the charge on the card. he is my husband and he run the company he make the money. I ask XXXX XXXX why they cancelled all of my account. with my income being XXXX and retire income is XXXX per year and we have more XXXX a total of home hold XXXX with over XXXX XXXX in asset.. and they already have this information on file. they could never give a good reason but your husband charge 97 % of charge. but they just took XXXX membership fee from us on the statement the first of the year .and then turn one of my account over to a collection agency a company by the name of American recovery service inc , why? for a XXXX bill that they cause not to be paid check the record never late never missed all paid my membership fee ever year. this is wrong on so many level. this harassment and discrimination, I believe this is a violation of one age just because I turn XXXX year old but I still work XXXX hour a week just pay my bill.

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 2023-09-12
Company: ALLY FINANCIAL INC.
State: IL
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 paid my car finance off with Ally Financial for the amount of XXXX on XXXX XXXX. Ally Financial sent me an official release of lein letter on XXXX XXXX which I can provide. On my credit report with XXXX, XXXX, and XXXX its reporting that I still owe Ally financial an amount of XXXX. Ive contacted Ally Financial they told me they will fix but they never did. I disputed this with the credit bureaus but nothing has changed. This is affecting my credit history stopping me from purchasing a home to build a foundation with my family. I also have my car title with no lein hold on it. I would like this account to be removed from my credit report with all three credit bureaus. Can youll please take care before I take legal actions. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
On XX/XX/XXXX, I was notified of a fraudulent charge on my credit card which led to cancellation of the card as a precaution. While attempting to call and report the charges, Bank Of America customer service stated that they could only verify my identity via an outdated phone number on their system. The phone number in question was discontinued and removed from my contact information in XXXX after my relocation with the military to XXXX. The representatives stated that that phone number was the only way to verify who I was and as such no further assistance was offered other than personally going to a branch with " XXXX forms of IDs ''. 

On the bank 's website, they advertise to have multiple international locations " all over the globe ''. However, this is false as the reported global branches are only for Corporations and Investment Banking only. The branches in XXXX, XXXX, XXXX, and XXXX were all contacted who confirmed that no personal banking needs would be met. 

At this time, all my access to my accounts were restricted by the bank of america, hence, I could not withdraw, transfer, or access my accounts at all ; leaving me in XXXX without any funds. 

Given the dire situation, I managed to fly to XXXX for XXXX day to confirm my identity as requested. During this visit, the financial branch updated my information with a new phone number in order for me to receive verification codes via phone. At this time, I only could get access to mobile banking which was limited to only paying bills. No funds could be transferred to withdrawn while pending debit and credit cards being mailed. 

On XX/XX/XXXX, I was alerted to an activity on a credit card which was just mailed. I contacted the bank, however, was told that the new phone number could not be used because it was not verified, and as such no assistance could be given. XXXX agent stated, " your inconvenience is not our priority '', hence, again I am restricted. 

Below, please find my efforts to contact and resolve the situation with the bank : The phone customer service, credit card services, and fraud services were contacted on the following dates and times : XX/XX/XXXX at : XXXX, XXXX, XXXX, XXXX XX/XX/XXXX at : XXXX XX/XX/XXXX at : XXXX ; XXXX ; XXXX XX/XX/XXXX at : XXXX Emails were sent to : XXXX; Finally, I flew to US on XX/XX/XXXX and XXXX on XX/XX/XXXX believing that this had resolved the situation but appears not. I am unable to fly to the US because the institution does not have appropriate security measures especially since going in person appears not to matter. 

Thank you for your time

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 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Submitted Identity theft affidavit along with consumer statement, copy of drivers license, copy of social security, and copy of recent utility bill on XX/XX/. Contacted customer service today on XX/XX/. Today is the fourth business day and information is still reporting inaccurately to my personal credit report.

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 2023-02-15
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy 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. 


PLEASE ROMOVE THIS ACCOUNT IMMEDIAELY! 

Collection Agency XXXX XXXX  XXXX XXXX Original Creditor Name XXXXXXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$2600.00} Amount {$2600.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code JOINT_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX Creditor Classification RENTAL_OR_LEASING Last Payment Date Date of First Delinquency

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
XXXX XXXX XXXX XXXX called from above number told me they were charging me with fraud and garnishment my original debt is XXXX and said I will owe XXXX if I dont pay them right now and be charged with fraud. They. Called my work spoke to my supervisor who passed on the voicemail I did notify the lady who identified herself as XXXX XXXX that the call was recorded and I was going to persue this further as her tactics sounded fraudulent and illegal and not to contact me again

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I have a tagged a collection letter from XXXX and this was Debt bought from XXXX bank. XXXX bank on my Experian report is still reporting a charged off balance which it should be zero since they sold the debt. I have tried to dispute this with Experian with no luck directly.

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 2022-04-22
Company: U.S. BANCORP
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This is one of many complaints I have submitted regarding USBank 's business practice toward consumers. I as a consumer am requesting this complaint be reviewed thoroughly as possible " DISCRIMINATION ''. From a previous complaint submitted to you when I was sent papers regarding a Refy for my current Loan and was told I could chose the Title Company along with the workout as to what my monthly payment would be. Well, when I spoke to Loan Officer did not provide me an explanation as to why the Refy was not going through. Well in following up on the Complaint that was submitted. I was provided a number to contact USBank to obtain the response they provided you. In reviewing the response to you, USBank did not tell the truth. I never asked for ''CASH OUT '' and not at any time did the Loan Officer give me an explanation as to why we could not forward on the refy. I have also tried reaching out to the Customer Advocacy Specialist, but as of today, have not been emailed back or received a call back. As a consumer I feel as a " XXXX '' I AM BEING MUTILATED

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 2020-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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/2020 I sent a certified letter to XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, MD XXXX, which was received and signed for by their company on XX/XX/2020 requesting validation of account # XXXX by sending me competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them, and if they could not validate the debt, they are in violation of the FCRA & FDCPA and are required by law to remove any negative marks on my credit report. 

Their response dated XX/XX/2020 was a one paragraph letter stating that they reviewed the account on record and determined the the information reported on my credit file is correct. I received no documentation at all. 

This is a blatant violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. In addition, I notified them that I was disputing this item, and after well over a 2 month period, they have yet to mark the item as " disputed '' on my credit report, which is also in violation, therefore, this alleged account should be removed from my file.

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 2023-05-30
Company: Experian Information Solutions Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please rectify this error promptly and ensure that my account reflects the fact that I have always been punctual with my payments.

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 2023-02-07
Company: Revco Management, LLC
State: NH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Please refer to detail of previous complaint that was referred to the FTC XXXX. This is a XXXX XXXX  hospital stay that is being handled through a XXXX XXXXr and no covid related XXXX, as stated at intake and all funds disbursed by the XXXX for the XXXX XXXX since have not been applied. The stay was at the 'beginning ' of the covid pandemic, testing and protocols we're not as they were today, I was sXXXX  from other XXXX XXXX, issued XXXX of the first nose tests... etc... the funding for COVID was very fluid with the XXXX  at the time and I believe this bill went internally through the billing process and was either XXXX XXXX  was not applied as a result, or an internal billing issue never flagged it for follow up. There is an additional account for a smaller balance with the same debt collector, date of service in XXXX of the same year, however I do not recall which was the overnight stay, I am assuming it was on the XXXX date of service due to the amount of the bill. 

Given the extreme amount of the bill, the lack or detailed explanation ( i.e. the overcomplicating of the bookkeeping and fbilling process with the XXXX ) My request for a detailed billing, that showed the applicable covid payments received by the hospital from the government reflected against the account, has not to date been received. This is not a valid debt and any attempt to place into my XXXX XXXX  or with a court action or attorney is the result of possible mis application of the federal monies to the hospital, and possibly warrant a lager invesitigaion as /i 'm sure there are others experiencing the same random collection letters from date of service during that time frame. 


The debt collector, XXXX ; XXXX XXXX XXXX ; XXXX, OH XXXX ; Account XXXX ; XXXX XXXX ; XXXX XXXX Account # XXXX ; XXXX this bit XX/XX/2020 ; ( there is a second bill XXXX XXXX ) Since XXXX XXXX is involved, and reflection in my account has not been shown with the application of those moines towards my XXXX XXXX care, I would assume this would be a priority.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Im a victim of identity theft and fraud. I have notified the creditors/agencies several times that the accounts & inquiries are fraudulent & do not belong to me. I have not in any way received goods or services from these companies. I have provided the proper authorities my FTC ID THEFT AFFIDAVIT with a sworn statement regarding the fraudulent accounts and inquiries. The documents have been submitted to all credit bureaus as well. Again, I was not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 
Therefore these items must be deleted immediately. I called CFPB and you called me back apologizing saying you will update it to paid on time for month of XXXX because it was reporting error and that error is showing up on XXXX information. 
The FTC report ID number is 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 explanation
Consumer complaint received 2023-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 have carefully reviewed my credit report in Transunion. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. 

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 2023-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I contacted XXXX on XX/XX/23 to remove this inaccurate address and they said they can. I also sent in a letter with my identification verifying my current and only address.

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 2020-07-29
Company: EQUIFAX, INC.
State: KS
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:
Twice in the last month, I've applied for things ( apartment as well as auto loan ) and my approval has been subject to conditional approval of district managers. While I don't have true detail, I was finally able to get one of the parties to tell me that it was due to a report of fraudulent activity from XXXX 2019. 

I have no idea what they're talking about and was unable to find anything within my XXXX, XXXX, and Equifax credit reports. This feels like a wild goose chase but I'm extremely nervous due to the fact I plan to begin applying for mortgages within the next month or two. 

What can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: Experian Information Solutions Inc.
State: GA
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:
Hi I am submitting this XXXX XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX XXXX spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. XXXX XXXX. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE.

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 2018-05-22
Company: Ocwen Financial Corporation
State: CT
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I am constantly hounded by Ocwen. Even though I am 2 months behind on my payments ( {$850.00} per month ) due to a XXXX, I shouldn't be receiving past due notices for 4000 to 5000 dollars. My escrow account is up to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
Company: STATE FARM BANK, FSB
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:
This is a fraudulent account and State Farm has failed to provide proof that my rights have not been violated. Please delete and block immediately from my XXXX  and XXXX  credit report.

State Farm Account # : XXXX

Company response to consumer: Closed with explanation