BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-13
Company: DISCOVER BANK
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XX/XX/XXXX, my husband and I ( sole cardholders of Discover Card ) received a notification from Discover Card that we owe {$13000.00}. Due to my husband 's XXXX XXXX XXXX and subsequent XXXX, we had cut our usage of credit cards, particularly, Discover Card. Our last purchases using Discover were : 1 ) Dated XX/XX/XXXX for the amount of {$200.00} 2 ) Dated XX/XX/XXXX for the amount of {$280.00} 3 ) Dated XX/XX/XXXX for the amount of {$470.00} 4 ) Dated XX/XX/XXXX for the amount of {$550.00} The above charges were all paid for by us and Discover concurred that they were paid by us. No other purchases were made by us since XX/XX/XXXX using Discover Card. 
We have NOT authorized Discover to add any additional credit card holder nor did we notify Discover of any change of address. We have lived in our residence for the past 22 years. 

Two years later after the first notification from Discover in XX/XX/XXXX and to which I replied that it is NOT our charges, we heard back from Discover via their collection agency collecting the above amount. 

This is pure intimidation and threatening on Discover Card 's part. I tried multiple times to contact their customer service XXXX number but they said they can not do it anything about it. My husband and I are both XXXX yrs old on fixed income. I don't know where else to turn. Please help us.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-28
Company: CrossCountry Mortgage LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This complaint is about discrimination XXXX I'm XXXX, intentional mismanagement & refusal to speak to me as recently as XXXX XXXX despite the mortgage Co signing for certified letter from XXXX XXXX HUD counselor & I. My fiancee passed XX/XX/XXXX, I provided all documents to Cross Country Mortgage, in writing via email repeatedly for months yet was told by XXXX that they won't spk to me b/c i'm not the owner of home! the county already rec'd/recorded his death cert that I'm owner upon death survivorship. The Mortgage Servicing Co : XXXX XXXX XXXX had the wrong amount due for monthly mortgage since XX/XX/XXXX. XXXX would also consistently send documents via snail mail & hardship or other applications in the mail but would postmark date 1 or 2 days before deadline to return it. See attached proof. I filled out online hardship application on XX/XX/XXXX but it was deleted is now out of database, they've completely locked me out of the acct online & then foreclosure started without them even speaking to me nor notifying me, yet they've known my email address since XX/XX/XXXX. INSTEAD They sent LOSS MITIGATING PAPERWORK TO HIS daughter AT MY HOME ADDRESS!!! BUT SHE HAS NO CLAIM TO THE HOME & THEY REFUSED TO SEND IT TO ME. They would refuse to email or call me, made promises to call me & assign a rep to me but refused to do so EVEN after I filed a complaint with the Attorney General 's ofc in Florida, they only acknowledged it but never responded to me. I've filed several complaints with their attorney XXXX XXXXXXXX XXXX XXXXXXXX but never got a response nor resolution. I even sent them documents that show I am the primary beneficiary to his life insurance to show I can make the payments but still no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had funds taken from my account without authorization. I noticed one charge and then I look back and seen that there were more. The institution told me that since they can not track down who taking the money, I will not receive my money back.

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 2021-07-21
Company: Chime Financial Inc
State: PA
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:
I noticed 12 authorized transactions under my credit builder transaction history on my chime account. Some were processed some were still pending. There was all little random amounts adding up to around XXXX . I made a dispute and they emailed me saying there is no billing error and they going to email me what they used to come up with there decision. I have yet to see it. Im just so upset Im not rich I work hard for my money for someone to take it and my bank that I been with for years to say theres no error. So I called them after seeing the email I called and asked why didnt they approve my dispute they said All they can do is give me the information that they use to come up with their decision or they said I can do a rebuttal but I have to come up with new information that I didnt give them the first time so I dont have any new information because I just checked my account one morning and I seen all these transactions so I just called them and reported it and then that was it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: Checkr, Inc
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Investigation took more than 30 days

Complaint:
As a driver for XXXX, I am required to get a yearly screening to continue my employment. Checkr began my background check on XX/XX/2023. It has now XX/XX/2023. I have been unable to work since XX/XX/2023. Checkr states the reason the background check is taking so long is because of limited court resources in XXXX XXXX Arizona. I have contacted the clerk of the court for the Superior Court of Arizona. Checkr has not submitted a background check request for me I have been unable to work for XXXX for the last 30 days. I have had to borrow thousands of dollars to avoid eviction, pay my bills, and buy groceries

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
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: Reporting company used your report improperly

Complaint:
I asked for the credit bureaus to verify accuracies of what they were reporting and they claim it is all correct. Upon further research on my end, there are some invalid information. 

In accordance with the Fair Credit Reporting Act XXXX Acct # 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 also states a consumer reporting agency can not furnish a account without my written instructions.

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 2017-03-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
The information that my XXXX was included in my bankruptcy is incorrect. We actually reaffirmed our mortgage and have NEVER missed a payment! We are still current on it. Please correct the reporting of this information as it is hindering my ability to refinance my mortgage. This is a direct violation of the FCRA.

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 2017-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Under the FCRA, Credit Reporting Agencies ( Credit Bureaus ) must provide a copy of the verifiable original credit or documentation. 

Since they can not provide proof of verification to me in the form of a physical contract document, per my request, then the account is considered " unverified '' and under the FCRA all unverified accounts must be deleted. 

Section 609, Page 35. The bureaus are required to disclose to me exactly what documents are stored within their computer base that were used to verify the information that is being reported about me. 

Page 37 ( 2 ) ( E ) a statement that a consumer reporting agency is not required to remove accurate derogatory information from my file unless the information is outdated under section 605 OR CAN NOT BE VERIFIED. 

Basically, I have requested twice for the account to be " properly verified '' and as of today the only thing the reporting agency can say to me is that it has been verified electronically through EOSCAR system. That is in violation of Section 609 of the Fair Credit Reporting Act. 

This is my complaint and that is why I need your help to get XXXX Account # XXXX DELETED from my credit file. 

Enclosed please find papers relating to this complaint. 
Sincerely, 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 2022-05-02
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: Investigation took more than 30 days

Complaint:
on XX/XX/22 a letter was sent to XXXX certified mail signature required. Today XX/XX/22 has been well over 30 days has not delete the inaccurate information on my consumer report. They are in many violations regarding my consumer rights I would love full remedy under 15 U.S. Code Chapter 41 - CONSUMER CREDIT PROTECTION. I would also like them to be liable under civil law. these inaccurate reporting have damaged my livelihood. 

I have also sent in letters to Equifax for inaccuracies and they have failed to remedy my demand to delete inaccurate information because I have reasonable doubt that its incorrect inaccurate they have been furnishing inaccurate information on my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: EQUIFAX, INC.
State: AZ
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, AZ XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
Several letters have been written and sent to Transunion, XXXX  and XXXX  in regards to the following duplicate accounts on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The letters dated XX/XX/XXXX have been sent certified mail and more than 30 days have went by with no response from all. Proof will be attatched. 

1. XXXX ; Account # : XXXX ( reporting on XXXX  ) 2. XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  I ) ; Account # : XXXX ( reporting on Transunion , XXXX  ) 3. XXXX ; Account # : XXXX ( reporting on Transunion , XXXX  , XXXX  ) 1. Sent certified mail to XXXX  for accounts XXXX ; Account # : XXXX AND XXXX  XXXX Account # : XXXX Tracking # : XXXX delivered XX/XX/XXXX at XXXX Tracking # : XXXX delivered XX/XX/XXXX at XXXX 2. Sent certified mail to Transunion for account XXXX  ; Account # : XXXX Tracking # : XXXX delivered XX/XX/XXXX at XXXX 3. Sent certified mail to XXXX  for account XXXX ( Original Creditor : XXXX XXXX XXXX XXXX I ) ; Account # : XXXX Tracking # : XXXX delivered XX/XX/XXXX at XXXX Outside of having proof that several letters have been sent and ignored this is a FCRA VIOLATION to have the same account reporting multiple times. 

There are also several errors amongst the same exact accounts as follows : XXXX. XXXX ; Account # : XXXX ( reporting on XXXX  ) is reporting a high credit of {$9200.00} AND XXXX  ; Account # : XXXX ( reporting on Transunion, XXXX, ) is reporting a high credit of {$18000.00} 2.XXXX ; Account # XXXX XXXX ( reporting on Transunion, XXXX, XXXX  ) ; Transunion and XXXX  are reporting a high credit of {$18000.00} and XXXX  is reporting a high credit of {$0.00}. 

3. The date of last active are reporting different dates between all 3 of the same accounts. Makes absolutely no sense.

4. The date of last payments differ between all 3 of the same accounts. For example ; XXXX ; Account # : XXXX ( reporting on XXXX  ) is reporting date of last payment as XX/XX/XXXX AND XXXX ; Account # : XXXX ( reporting on Transunion, XXXX XXXX ) XXXX is reporting date of last payment as XX/XX/XXXX. 

THERES WAY TOO MANY ERRORS THAT I CAN GO ON AND ON ABOUT. AND THESE ARE SUPPOSED TO BE THE SAME ACCOUNTS??? HOW??? THERE IS NO POSSIBLE WAY THESE ACCOUNTS WERE VALIDATED AND VERIFIED FOR ACCURACY. DELETE ALL 3 ACCOUNTS

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 2023-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX : XXXX S.S.I : XXXX This is the information they should on me instead of 2 wrong S.S.I # 'S AND ADRESS I'VE NEVER LIVED ITS BEEN HAD MY SCORE DRAGGING SLOWLY I'VE STARTED A BUSINESS ABOUT 3YRS AGO AND CANT GET DECENT FUNDING OFFERS SO I FINALLY CHECKED AND THE TAX SAID THAT'S MOSTLY MY PROBLEM PLEASE HELP WITH THIS ON ALL 3 CREDIT BUREAUS ARTICLE 15. USC 1611

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 2020-09-24
Company: T.S. Holdings
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XXXX I had an account transferred to the collection agency known as IQ DATA INTERNATIONAL. On XX/XX/XXXX I contacted IQ DATA and requested a copy of the contract. I was told a contract was sent to me, the contract was sent to a previous address of XXXX XXXX XXXX XXXX, XXXX XXXX, LA. Therefore I never received the copy of the contract, I asked the agent on XX/XX/XXXX for a copy of the contract and he asked why I needed it. I stated I needed a copy of the contract because I would like to see the amount of interest and fees that is being added to the account. I was told by the agent to send a letter which I did and I have yet to receive a contract. The agent by the name of XXXX stated to me that the agency will not continue to send me a contract even though I never received the original contract, his exact words were " Were not going to keep sending you contracts because by law we don't have to ''. I am aware that under the FDCPA I am entitled to verification of the debt by validation with a statement or contract and IQ DATA is refusing to abide by that rule. The company states all calls are recorded therefore they should clearly be able to hear that the agent XXXX is repeatedly asking me why I need the contract and stating he doesn't have to show me why or how much interest is being charged. I simply asked for the copy of the contract from the original debt collector and a statement of fees and interest added an I was refused that right which I am entitled to, I have no verification of this debt from this company and they are refusing to provide me verification. I have a witness who over heard the phone call who would be willing to testify on my behalf that agent XXXX refused my request. I am enclosing the final letter I sent to IQ DATA and all of the letters I have sent to the bureaus concerning verification of this debt. XXXX  is repeatedly stating I am not writing my own letters to dispute the failure of IQ DATA to provide verification of the debt I hereby stating under penalty or perjury that I have been the sole writer of every dispute to sent to XXXX  and any collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: KEYCORP
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
XX/XX/XXXX I went to surrender my deceased husband death XXXX I have been given the run around without any resolution I have sent all request the bank ask for since XX/XX/2023 mileage on truck description of truck surviving spouse surrender of truck seats certificate of husband letters sent to Executive ofc. Nothing. In New York state you can not surrender plates until ins has been terminated. I have kept and paid monthly ins. Submitted proof by email to the executive branch no response until today I was told that I would not be reimburse fo ins. Payments My name is not on the loan just trying to do the right thing in protecting Key Cotp investment almost 6 months of trying to get them to pick up the truck. KeyCorp has created undue hardship having to make monthly insurance payments and has really caused unnecessary stress on especially after my husband 's untimely death. I have all documentation sent to the contact person at keycorp and no resolution Please help me Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-28
Company: MEI AUTO FINANCE INC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call 6 times a day and leave detailed messages about me being past due. They call when Ive already set up an arrangement as well call before my payment is due. They harass my references as well as myself. Telling them I owe a debt and they need to get in touch with me when they have my number. I have sent a cease and desist as well as verbally given one to a manager at the office. Even after I had spoken with her I received another call. Today XX/XX/XXXX I have 5 calls 2 voicemails XX/XX/XXXX 1 voicemail 2 calls XX/XX/XXXX 3 voicemails 4 calls XX/XX/XXXX 1 voicemail 3 calls XX/XX/XXXX 3 voicemails 4 calls XX/XX/XXXX 3 calls 2 voicemails I have recorded messages saying I owe money. They are violating Fdcpa I want to peruse legal action and have debt discharged. These are predatory loans and collection practices. The reps scream and berate in an unprofessional manner I want to cut ties with them and am referring to an attorney! They are to no longer call my cell phone and must communicate with me via us mail! Mei auto and anyone affiliated with them do not have permission to call me or my references again for the life of the loan!! The manager I spoke with last week said that the car was in jeopardy because I was 5 days late! I explained that I keep being called and she said I needed to make a payment and they would stop! I advised of cease and desist and was still called 2 more times after I had already spoken with the company! This is illegal activity!

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 2018-11-08
Company: Resurgent Capital Services L.P.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I mailed a dispute letter certified mail to the reporting company XXXX XXXX XXXX ( a part of XXXX XXXX XXXX ) which I have included for all to view. I sent it certified mail by XXXX where I have kept very close records time stamped, as well as date ; etc of exactly what they are suppose to comply with when receiving a dispute letter. I noticed this reporting to all 3 major bureaus when I pulled my credit in XX/XX/XXXX. I allowed the mail to actually get to them, and began counting the 31 calendar days they had to reply back to me from the date they signed for my letter. I also have attached my letter I received from the USPS with who, and the date of who signed on their behalf the day that took place. I also have included the dispute letter I wrote to them, and have also attached where I pulled my credit today XX/XX/2018 from XXXX, XXXX and XXXX to prove their noncompliance, and the violations that are set within laws, and the violations of my rights as a consumer have been totally ignored with no reply, and not placing the dispute comment on any of the reporting agencies proves they have failed to comply with many violations, and just as my letter stated. I would hold them accountable and file complaints to you, the proper attorneys general offices, and the XXXX XXXX XXXX. I demand they remove the listing collections agency XXXX XXXX XXXX  collection account from all 3 credit bureaus, and mail me proof that their negligence has been taken care of immediately from reporting any negative information in my name to anyone. Please hold them accountable!!! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
This collection below has already been cleared/paid for and needs to be removed from my credit report as soon as possible. Please see the clearance and payment receipt in the attachments. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) These inquiries are fraudulent and do not belong to me : XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023

Company response to consumer: Closed with explanation