BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-11
Company: Receivables Management Corporation
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On  XXXX   XXXX ,   XXXX  , my husband received a voice message on his cell phone from a woman called  XXXX  from a company identifying itself as  RMC.  When I called the number back ( their number  XXXX   ),   they stated that they are a reputable debt collector. I said that I was not aware of any outstanding debt I owed and that I had not received any mailings through the  USPS regard ing any outstanding debt. They insisted that they could not tell me who their client was or what the alleged debt was that I owed until they positively confirmed my identity by me providing at least the last  XXXX  digits of my social security number or my whole social security number and my date of birth. When I refused to give them any additional personal identifying information without more information about the alleged debt, they said they could be sued if they did not positively identify me first before giving out any debt information. They were very insistent and said they were documenting my refusal to provide this information ; they intimated that my credit record could be damaged. I told them they could mail me regarding any alleged debt, and they said I had already been mailed and that I was now turned over for collections. I gave them my current address and said they could mail anything regarding this alleged debt to me. However, they kept insisting that all previous mailings had gone unanswered, and I was now in debt collection status. I finally had to hang u p. One other RMC phone  number that was provided in the voice message to my husband was  XXXX .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
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,  XXXX   XXXX   XXXX  being of sound mind and body hereby give full authority to any third party credit repair firm as wells as any information or verbiage to the removal of a falsely reported Bankruptcy as stated in complaint #  XXXX . The verbiage included in the complaint was gathered by me and put into my own words. There is no law or any precedence that claims verbiage used by credit repair companies can not be reused either to the same or in my own words. I have filed a complaint against you with the FL Attorney General and   XXXX    for falsely reporting unverifiable information on my credit report. Please provide all verified evidence including my name, address, full social security number, date and time of verification and with whom you spoke with concerning this verification from the  XXXX   XXXX   XXXX  's office. If you can not provide me with this information, it means that it is being falsely reported an d MUST b e removed as per the F CRA. May I remind you that FCRA Section 623  violation as well as a precedent  XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  for the  XXXX   XXXX   XXXX  Case  XXXX   XXXX   XXXX   XXXX   XXXX ,   XXXX  , Filed (  XXXX  No.  XXXX  ). We will seek the extent of damages incurred by the wronged party, me, as deemed by the courts.

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 2023-10-30
Company: CADENCE BANK
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In late XX/XX/2023 I realize that my account with Cadence Bank was not accurate, i went in to local branch to discuss the problem, and to file a affidavit but was never allowed, i made numerous visit and always spoke to bank Manager at XXXX XXXX XXXX XXXX XXXX, MS XXXX. I let her know that several transactions were not mind. she showed me several videos, but none showed the monies i'm disputing being counted to me, also several transactions don't have a signature, nor is in my hand writing. i've called numerous times and visited several different branch 's trying to dispute this and they continue to give me the run around. please help me, i believe that {$21000.00} is missing from my bank account that i did not get

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was promised a phone call back from a CAPITAL ONE Account Manager,  XXXX  on  XXXX / XXXX /  XXXX   and never received a call. This complaint has not been resolved. I reopening the complaint for a final resolution.     I was lied to be pursuaded to use this high interest card.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
Good XXXX, On XX/XX/XXXX, I initiated a XXXX transfer of {$830.00}. This was a Thursday. As of that date, my existing balance was approximately {$850.00}. On XX/XX/XXXX-Friday-, I wrote my landlord a check for {$1600.00}, the amount of the rent. He deposited it into his own account immediately. I checked XXXX and received the message that the {$830.00} would be in my account by the beginning of the business day on XX/XX/XXXX, a Monday. This, in my understanding, is, to Friday, the next business day. On XX/XX/XXXX, my birthday, I attempted to make a transaction, only to find that I was nearly {$900.00} overdrawn. Before work on Monday, XX/XX/XXXX at XXXX XXXX, I used a Citibank ATM to deposit {$350.00} in personal checks. I was issued a receipt that reflected the XXXX transfer of {$830.00}, the check for {$1600.00} clearing, and a positive balance in my account. On XX/XX/XXXX I received an e-mail stating I had insufficient funds to clear the check for {$1600.00}. I disregarded this because I had the receipt from Monday XX/XX/XXXX at XXXX XXXX reflecting a balance consistent with a processed check. On XX/XX/XXXX, I checked my account balance and found that it was quite high. In reviewing my account details, I could see that the check for {$1600.00} was returned to me on XX/XX/XXXX. This was showing up as happening after the XXXX and the personal checks were deposited. In addition, I was charged a fee. I immediately called Citibank. From there, after XXXX minutes of verbal sparring, I was connected to a supervisor who informed me that had I called Citibank on Monday XX/XX/XXXX before XXXX, the check would not have been returned. My issue is this : if the funds were available by XXXX the next business day XX/XX/XXXX, which per the representative I spoke to is Citibank 's own policy, why would I need to call to tell them I want a check I wrote to be processed? Of course I do. Further, why did I have to have an experience like this prior to being informed of this policy? Of course I would have called before XXXX on XX/XX/XXXX to tell them I want the check processed, even though that 's a ridiculous policy. This was so frustrating and I was n't able to get a clear answer. The supervisor, XXXX, I spoke to, was n't able to really help me analyze this experience. I did receive a pitch for overdraft protection. I will not be enrolling. This strikes me as at least unfair, and possibly illegal. Is there anything I can do? I am able to provide the XX/XX/XXXX receipt, my online bank statements, statement from XXXX etc to support this. I asked the Citibank representative XXXX to send me an e-mail with the information he was telling me in it for my records, but I have not yet received such an e-mail. Thank you so much in advance, 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 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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. 

US DEPT ED : # XXXX XXXX  : # XXXX XXXX/XXXX  : # XXXX XXXX  : # XXXX XXXX  / XXXX  : # XXXX XXXX  : # XXXX XXXX  : # XXXX XXXX  : # XXXX XXXX  : # XXXX XXXX : # XXXXXXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX ) : # XXXX XXXX XXXX  : # XXXX XXXX  : # XXXXXXXX XXXX : # XXXX XXXX  : # XXXX XXXX  : # XXXXXXXX XXXX  : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX : # XXXX XXXX XXXX  : # XXXX XXXXXXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXXXXXX : # XXXXXXXX XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX : # 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 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 2022-11-23
Company: Experian Information Solutions Inc.
State: NC
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2017-05-10
Company: DISCOVER BANK
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I fell ill and required emergency services which have now left me  XXXX . I fell behind on my credit card payments. However, in  XXXX    XXXX  , Discover allowed me to enroll in a payment program that would place my account into suspended status for 12 months. I was told that my account would be reviewed after 12 months for a change in status. I have been making the payments as agreed. However, I called in  XXXX    XXXX   to see if I could move my automatic payments to the  XXXX  of the month and was told that my account charged off and they can no longer make any changes to my account. I asked to stop debiting my account and I was told that they can not make any changes to the account. After telling them that I was was recording the entire conversation, that I was filing a report with the FTC and that I going to contact my bank to stop the payments, I was told not to worry because they already removed the automatic payments from my account. I have not received any verification that they have done so and I believe that they deceptively closed my account. I never received any communication. How could they allow me to enroll in a program and then charge off my account? I do n't believe that they are operating in a legal manner. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: EQUIFAX, INC.
State: PR
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  XXXX   XXXX  sent a letter to Equifax to validate the information they reported on  XXXX  accounts in my credit report with  ( US  BANKRUPTCY COURT ) and provide me with copies of any documentation associated with the accounts  XXXX   XXXX  I received a letter from Equifax on  XXXX   XXXX   XXXX  confirmation  XXXX  with the results of th eir re  investigation " the disputed bankruptcy accounts  XXXX  and  XXXX  are currently not reporting on the Equifax credit file ''. That information is not true, both accounts appears in my Equifax file reported by them.     I sent another letter on  XXXX   XXXX  by certified letter  XXXX  regarding the last confirmation  XXXX  asking why they still reporting the  XXXX  accounts  XXXX  and  XXXX , if they mentioned in the last communication " are currently not reporting those accounts in the Equifax file '' On  XXXX   XXXX   XXXX  I received a letter from Equifax confirmation  XXXX . They wrote me " the disputed BK case  XXXX  is currently not reporting on the Equifax credit files '' but in the same letter said " part of the results of our re investigation in  BK   XXXX  we have verified that this public record item is reporting correctly ''. Equifax sent another letter on  XXXX   XXXX   XXXX  confirmation  XXXX  well similar to the previous letter confirmation  XXXX .     On  XXXX   XXXX  I sent another certified mail letter  XXXX  replying Equifax confirmation letter  XXXX  ask once again to provide me with copies of all documentation associated with these public records accounts, Equifax received the letter but never answered it.  XXXX   XXXX   XXXX  In my last attempt to claim my rights, I sent another certified mail letter  XXXX  on  XXXX   XXXX ,  XXXX  asking once again to provide me all documentation associated with these public records.I gave them exactly 30 days to complete the re investigation as outlines per credit report ing act 623 ( a ) ( 3 ).  They received the letter on  XXXX   XXXX   XXXX  and never answered the letter once again.   Per federal credit reporting act  section 609 ( a ) ( 1 ) ( a ) Eq uifax are required by federal law to verify through physical verification of the original signed consumer contract and or judgments.All accounts and public information that you post on anyone credit report.   Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information.As such, if this unauthorized public records information is not deleted from my credit report within the next 30 days. I will be filling a complain to the CFPB. THEY PAST MORE THAN 120 DAYS A THE ACCOUNTS STILLS IN MY REPORTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: DISCOVER BANK
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On  XXXX / XXXX /  XXXX   I pursed some product from  XXXX . I never received an invoice for this transaction for my records. I was then charged on my credit card. However, I believe the charges to be incorrect. I am unable to verify because  XXXX  refuses to provide me an actual invoice from the transaction. I believe that is because they know they over charged me and are trying to steal my money. I dispute this charge with Discover and requested an actual invoice. I received a typed letter from  XXXX , NOT AN INVOICE. I could type up a letter and have a read anything that I want. I will need to see an actual invoice form their system to prove this amount.     If they would have just emailed or mailed me an invoice in the first place, this could be easily have been resolved. That is why I believe this company is trying to cheat customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: Mr. Cooper Group Inc.
State: UT
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:
My mortgage was sold from XXXX XXXX  to XXXX, Since the loan was reported as paid in full to the credit bureaus and not having XXXX not reporting the new loan balance both my spouse and mine credit score dropped XXXX points. I called XXXX and they told me that they will not do anything for me. I believe this is extremely unfair, where the world runs off credit scores and we work extremely hard to ensure our credit score is as high as we can. This has impacted me negatively, I was going to apply for a personal loan but since our score dropped almost XXXX points our APR would have been a lot higher than we could afford. We are not the one that asked for the loan transfer so impacting our score is an un-justified resolution

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Something is terribly wrong in my mortgage balance. I purchased my home at  XXXX   XXXX   XXXX  in  XXXX , Virginia in the year  XXXX . I have never missed a payment or ever been late with a payment since purchasing the home at said address. I have not ever made a refinanced loan to my knowledge since purchasing this home. However  XXXX   ( Bank of America )  have a balance of {$160000.00} remaining balance with a term of  XXXX  remaining years to pay. Some is fishy about this and when I asked to see the refinance package that BAC supposedly have on file they sent me  XXXX  sheets of paper that looks to be forged signatures. Also, the date of the alleged time was in the year of  XXXX  during the real estate crash. The previous loan was with  XXXX   XXXX  that  XXXX  purchased their loans.  XXXX  # 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 2023-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not consent to authorize nor benefit from these account ( s ).

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 2017-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 have a reported a fraudulant account on my credit report several times to Transunion I was told I needed a police report in order to prove identity theft and request any removals, which I have done. I requested proof of my signature for validation of debt. The credit bureau did not provide any proof of requested verification, after I have stated it was a fraudulant account. Transunion stated it was verified, but with no proof of verification and stated they are not required to provide proof. I have sent police reports and affidavits. The said company could also not provide any proof of my signature verifying debt, stating they didnt have  one  on file, so how did the credit bureau verify debt if this is the case??. I Was told by the company reporting the debt, that the account was open online, therefore they ca n't prove if it is legitmate or not. They also, sold the account/debt, but yet, are currently still reporting it, as charged off, with a balance, past due and revolving? As you know, it is the law, that credit bureaus report accurate and complete information on a consumer report or they must remove it. Given there are several issues with these items being reported and they are fraudulant accounts, I am expecting it will be removed immediatley. Fraudulant Items being reported incorrectly by Transunion :  XXXX  Acct #  XXXX    XXXX   XXXX   XXXX   Account :  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 2017-05-10
Company: EQUIFAX, INC.
State: LA
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:
On   XXXX   XXXX   XXXX     I went to  XXXX   XXXX   XXXX  in  XXXX , LA seeking to purchase a vehicle. I asked the sales rep to identify the lenders they use. He stated  XXXX   XXXX  and  XXXX . I explained to him that I am working on improving my credit score and I have accounts with   XXXX   XXXX   and I only want him to try to get financed through   XXXX   XXXX   or  XXXX  and if those  two  companies did n't approve the loan to not run my credit again. I repeated this several times before he went to the finance  manager. I w as told they could not get in touch with   XXXX   XXXX   and they would let me know once they received any information. The next day I received  7 a lerts for credit inquiries. I called Equifax to dispute this to no avail. I immediately called the sales rep and the finance  manager  because I specifically told the sales rep to only submit my report twice. The sales manager stated by law he was required to run my report as many times he needed in order to get approval. I told him he had no right to do so and I felt violated. Needless to say my credit score dropped tremendously.

Company response to consumer: Closed with explanation