BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-22
Company: Ashton & Weinberg, Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Ashton and Weinberg Inc. ( XXXX ) XXXX called my cell phone and left XXXX messages last Friday XXXX XXXX stating that since they were unable to get in touch with me they would be " going on XXXX '' to try to find me and my family and friends so that they contact them to see if I was " Okay :. I was at work when the messages were left for me and once I got off I listened to them and almost immediately afterwards I received a phone call from my dad stating and " attorney 's office ( which I do not believe that they are ) called and was searching for me and they left a " claim number '' with him. Then my brother called and stated that hey had also called him and he let me listen to the message which again stated they would be going on XXXX to find my family and friends and they would be contacting them and they also left that " claim '' number on my brother 's voicemail. Then my mother called and said they had called her work. Yes her work and left a message with a receptionist giving them my name and " claim number '' and asked the receptionist to have my mom call them. This may not technically be considered harassment in the eyes of the law. But it is definitely bordering the definition of harassment. And at the least, they very least it is unethical. I worked for a collection agency and I understand Skip tracing and other methods to find family members. But never did we leave any information other then a message, definitely never a " claim number '' or any other information of that sort And when told to cease the phone calls to the family members, we did. I left them tow messages Friday night after I got off of work to let them know that they are never again to call my family and I gave them my cell phone number ( which they already had ) as well as my address for correspondences. Once again, this may not be legally harassment, but it is definitely at the very least crossing the line.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: Accelerated Receivables Management, Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
The company contacted me regarding this debt and have not provided me with additional information, nor verified where I agreed to take on such a debt as this. Which obviously, I have not. 
A XXXX XXXX, I believe, has begun calling the workplace and started a harassment campaign.

Company response to consumer: Untimely response
Consumer complaint received 2023-04-07
Company: Westlake Services, LLC
State: SC
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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for k purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24
Company: Mid-Atlantic Finance Co., Inc.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I have been given the run around from XXXX when I call and this company who has acquired my loan. I purchased this car under fraudulent conditions. This loan was purchased from XXXX XXXX XXXX. The balance and due date change is incorrect and has me delinquent. Also I was not notified of the salvage title on this vehicle. XXXX XXXX XXXX did not notify this company of the issues I had been having and am having with this vehicle. This vehicle lost power steering, leaks gas, and oil, and should have been addressed. I called XXXX and was advised they have no knowledge of the salvage title. I have brought this car to several dealerships to trade in on another vehicle and have been advised they were unable to trade this vehicle in due to the XXXX. I am at my wits end as XXXX has filed bankruptcy and everytime I call them they direct me to the new company who advises me they have no knowledge of any of this. I want all of my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-09
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I am filing a complaint against Equifax for violating my rights under the FCRA. I have placed several fraud alerts under my account I have noticed several inquires and account pop up on my credit file and when I disputes those equifax indicated the debts were valid. I asked for proof of validation of debt with no response or verification from the debtor or Equifax. They are reporting inaccurate information. I am asking someone take a look into this as my rights are being voilated and information is being reported inaccurately. I also have disputed a account several times There is XXXX account with the same account number and same balance being reported multiple times under a different company name as the company changed their name/and or bought out. The company is XXXX XXXX their name was recently changed to XXXX XXXX. This account is listed under my credit as XXXX seperate accounts with a balance around {$750.00} as if I owe XXXX seperate companies and they are the same account. I have disputed this information several times and Equifax has done nothing. The account is still on there and is affecting my credit. Also there are multiple inquires that I keep disputing that are still on there I have even contacted the companies and they have indicated they do not have any information on viewing my credit nor do I have an account with any of these companies. Please review multiple violations from Equifax in their dealings with consumer disputes. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: SANTANDER HOLDINGS USA, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
Santander collection agency XXXX XXXX car payments but not accurate. XXXX, XXXX and other credit bureaus reports XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Incorrect names please delete : XXXX XXXX XXXX, XXXX, XXXX, I'll never live in the following addresses it is incorrect please deleteXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX, OH XXXX XXXX OLD XXXX XXXX XXXX XXXX, OH XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX, XXXX. I'll never work with the following Employer Please delete : XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX  Delete all the unauthorized hard inquiries : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please delete the following collection I'm a VICTIM of Identity theft I file the report : XXXX XXXX XX/XX/XXXX {$2700.00} XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXX XX/XX/XXXX {$0.00}

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 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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:
I do not recognize the inquiries on my credit report listed in the id theft report XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TRANSUNION XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX TRANSUNION XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TRANSUNION, XXXX XXXX XXXX XX/XX/XXXX TRANSUNION, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TRANSUNION, XXXX XXXX XXXX XX/XX/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 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2019-11-13
Company: First Investors Servicing Corporation, Atlanta, GA Branch
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:
First invest placed a hard inquiry on credit file on XX/XX/2018. Made several attempts to verify signature and contest to contract. Company failed to comply to FCRA Guidelines.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07
Company: AmeriHome Mortgage Company, LLC
State: NM
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have complied with all requests for information to remove PMI from my account and have been told each time that it will take 15 days to process my request. I received one canned email from them which acknowledged my request but ignored all information already submitted. Other than that, nothing ever happens and phone calls to AmeriHome only promise a return phone call from someone who can help - which never happens. Getting through on the phone takes 20+ minutes just to be told that the proper department can not be reached except by email ( as I 've already been attempting ), and that a request will be submitted to have someone call me. I 've done this at least 4 times so far. It has been over 3 weeks since my last request and I had expected to be contacted by now to schedule an appraisal and continue the process, but have heard nothing. I 've been trying for months to get this done.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15
Company: WELLS FARGO & COMPANY
State: VA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I have owned a XXXX dividend reinvestment account for several years. This year the administering agency ( XXXX ) sold the account to Wells Fargo Bank. When I tried to retrieve my 2016 XXXX for this account from Wells Fargo, I was presented with an on-line agreement to waive my rights to receive hard copy tax documents in order to access my XXXX. I have been advised that this agreement violates existing federal law, and I consequently refused to sign the online waiver. Your assistance is requested to force Wells Fargo to provide me with hard copies of my annual tax documents free of charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28
Company: EMPIRE MEDIATION SERVICES LLC
State: NC
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Company called Empire Mediation or Empire Financial ( they reported they are known by different names ) repeatedly called my work phone stating that a debt is owed and that legal action will be required. They did have my name and last XXXX digits of my SSN. Problem is, I have no unpaid debt. They refused to give me an address for their company, stating that they are located in several different states. When I started asking questions, they told me that I sounded like someone that has a ton of debt. They hung up on me multiple times, and when I asked to speak to a manager, it was conveniently a manager that had answered the phone. They also told me that they had sent three certified letters, and that they are not allowed to send out any more per company policy. They told me to Google their company, which I had obviously already done, only to confirm that this is a scam. I know some people may be scared into paying this debt due to the caller threatening legal action, so I want to make sure others are warned of this bogus company.

Company response to consumer: Untimely response
Consumer complaint received 2018-11-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
XX/XX/2018 I was charged a fee of {$120.00} to my XXXX XXXX XXXX Business account for a tax levy by the state of California . I had been working on a payment plan and the Franchise Tax Board mishandled my account and did not process my paperwork. After speaking with an agent at the Franchise Tax Board I was able to have them send a release because this was an error on their part and get the payment plan submitted. 

I called Bank of America who holds my account to verify the release and request the refund of the {$120.00} because XXXX the Franchise Board agent told me she would be sending that release yesterday. They had received it. After confirming receipt I asked the fee be waived because it was an agency error same as a merchant error. I did everything I was supposed to. The agent got extremely aggressive with me. She stated that I needed to get the {$120.00} from the California Franchise Tax Board. I explained that they would not refund a fee that they did not collect. And usually when this is done in error to a client banks have been obliged to refund that fee. I told her I understand if it is a normal levy that was done properly. But this was an admitted mistake by the agency. Also in the past Bank of America has waived these mistaken levy fees before. She became more hostile and disrespectful in which a that point I asked for a supervisor. 

I was transferred to a gentlemen named XXXX who was very polite and stated that even though the Franchise Tax Board was at fault and this does happen a lot including to him. That the bank would not refund the fee. This is an issue of principal because had this been any Merchant or other company mistakenly charging my account I would have received a refund. Instead I was insulted, disrespected and told to ask the agency who did not charge the fee for a refund. 

I believe this is a fee hungry bank that is escalating abusive fee practices when a client is still charged for a mistake by a government agency.

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 monetary relief
Consumer complaint received 2023-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
TransUnion has allowed a creditor to re-insert an account with inaccurate and incomplete information on my credit report TWICE. I will attach the documentation showing the details. TransUnion has broken multiple FCRA laws. They've violated laws of my right to accuracy of information - 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( 5 ) ( a ). It is the job of credit bureaus to not allow reinsertion of negative information once deleted - 15 U.S.C. 1681e ( c ). TransUnion has continually stated that the creditor has listed this account as accurate and complete. 

This account was disputed because the information was incorrect and incomplete. Therefore once deleted, this information should not have been reinserted to my credit profile. The creditor is not providing complete and accurate information and therefore should not be reinserted - 15 U.S.C. 1681i ( b ) ( i ). The creditor was contacted and it was found out that the creditor was furnishing inaccurate information to the credit bureaus as well. TransUnion promptly delete this account from my credit report. As shown in " XXXX XXXXXXXX XXXX '' image from the creditor themselves, it doesn't list an exact open date. It also doesn't list the date of first delinquency. 

Once again this account has been reopened on my credit profile and it has the wrong open date. Also, the date of first delinquency is still not listed on the account. As you can see from the documents I've attached, the open date has changed on TransUnion 's report, which is still in error. The open date that is listed is of the original creditor and not of the collection account. This account is completely inaccurate. I also was not given proper notice also within 5 business days of the reinsertion, that's also a violation - 15 U.S.C. 1681i ( b ) ( iii ). There was also no notice that I as a consumer have a right to add a statement to my file disputing the accuracy and completeness of the disputed information.

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 2022-04-15
Company: Experian Information Solutions Inc.
State: NY
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 XXXX I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY. I DID NOT AUTHORIZED THESE INQUIRIES PLEASE SEE ATTACHED XXXX XXXX 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 explanation
Consumer complaint received 2021-09-16
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are several accounts on my credit profile that are fraudulent and I have reached out to the credit bureaus numerous times regarding these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: EQUIFAX, INC.
State: IL
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:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$4200.00} XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: U.S. BANCORP
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened an business checking account with US Bank on XX/XX/2023 and deposited {$16000.00}. They closed my account with my authorization on XX/XX/2023 and will not return my money back to me. I reached out to US Bank ( XXXX ) and asked to return the {$16000.00} back to me. US Bank asked me for copies of my drivers license verify my address ( front/back ), social security card ( front/back ) and two billing statements from the XXXX XXXX  ( XXXX XXXX XXXX  XXXX that I initially requested to transfer the funds to US Bank. Even with providing all the necessary documents they requested, US Bank is still refusing to return the {$16000.00} back to me. 

I've sought help from my original bank ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) that facilitated the transfer ; they reached out to US Bank on my behalf and asked them to return my money back to me. US Bank still has not even responded back to them to acknowledge they are even looking into it.

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 2023-09-12
Company: EQUIFAX, INC.
State: PA
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: Was not notified of investigation status or results

Complaint:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: Zions Debt Holdings
State: OH
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Re_aged litigation debt reporting after a class action lawsuit with FTC about XXXX, using UNFAIR CREDIT REPORTING with THIRD PARTIES COLLECTION AGENCY/ AS BEING SOLD..no re- investigation attempts, despite all of my disputes..This is the 4th collection agency bouncing back and forth.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation