BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-28
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I have received several communications from XXXX XXXX XXXX in XXXX. On XX/XX/XXXX at XXXX, I called the company regarding I letter received from this company post bankruptcy. I was transferred to the case manager who hung up on me XXXX and informed his staff to stop taking my calls when I tried to call back ti provide company with Bankruptcy case number to notate for there records and pass along to the correct attorney to update. I previously spoke to the case manager XXXX, who claims ti be the Director of the company on XX/XX/XXXX and informed him of the filing and ti stop all communications. 
XXXX at XXXX XXXX XXXX was very rude, unprofessional, and continues to harass me with letters and calls post bankruptcy. 
I will also be bring this matter to the court 's attention. The court has as much an interest in creditors following the law by not contacting folks in bankruptcy as I do

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: Prince Parker & Associates
State: NY
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I got a notification of a collection on my credit report and called immediately to the collection agency princeparker. They could not identify me by my name, address, telephone number and my information did not match the collection except for the ssn. I had my ssn stolen and have had several attempted attempts to open credit cards and loans in my name. My file is locked. I have a currenXXXX XXXX XXXX XXXX account which is an always has been current for more than 20 years. The thief was able to use my ssn to open some sort of account somewhere unknown in XXXX for {$230.00} which went into collection on XX/XX/XXXX. I demanded that this account be removed from my file since it was obviously a fraud and the agent hung up on me after demanding that I pay the account in full before they could verify the debt, Agent did not follow through on verifying the debt bc the identifying information that they have on file is for the thief and not me. I want this item removed ASAP. I immediately filed a dispute with XXXX XXXX but XXXX XXXX has not removed the item from my report after contacting princeparker. I contacted XXXX XXXX again today and they were unhelpful. Filing a separate complain against XXXX XXXX based on these facts. I have no information other than what is listed on te credit report for this collection as I have never been contacted by the collection agency or 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 2022-12-09
Company: EQUIFAX, INC.
State: GA
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 sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$35.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$120.00} XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX XXXX XXXX ; XXXX ; XXXX XXXX XXXX XXXX, GA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: ProCollect, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX I was contacted by someone claiming to be a debt collector from Pro Collect. They informed me that I had a past due bill for an apartment complex in XXXX, OH ( XXXX XXXX XXXX XXXX ) in the amount of {$120.00} that was accrued in XXXX. I assured them that they had the wrong person and that I have been living in Indiana since XXXX. The person at Pro Collect asked me to provide my social security number which I declined to do. They then got angry with me and hung up the phone after I told them I did not think it was a good idea to give my social security number to anyone over the phone. I called back to speak with the person again, I wanted to help them get on the correct path to finding the correct person who owed the {$120.00}, but they again got angry and hung up on me. I asked them to provide me documentation on why they determined that I was the debtor, but they have ignored my request. I am a XXXX XXXX XXXX father of 2 who has been living in XXXX  since XXXX and been a home owner in XXXX since XXXX. This information is easy to verify and it would not make sense that a XXXX XXXX XXXX would be living in a college apartment complex. I willing to provide mortgage information, bills, or anything that will clear me of this debt.

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 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX, Transunion, and XXXX continue to record XXXX XXXX  on my credit report even after a letter I sent to XXXX  opting out on XX/XX/2023. My option to opt-out follows 12 CFR 1016.7 Form of opt-out notice to consumers ; opt-out methods.

( a ) ( 1 ) Form of opt-out notice. If you are required to provide an opt-out notice under 1016.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt-out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt-out right.

Additionally, according to the Fair Credit Reporting Act 15 USC 1681 section 602a " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers ' right to privacy. '' XX/XX/2023 XXXX XXXX XXXX XXXX XXXX  XXXX, AZ XXXX Dear XXXX  XXXX, Per the FCRA as a Federally Protected Consumer, I am now opting out of any and all authorization I, the consumer, may have given you written, unwritten, verbal, and non-verbal per 15 USC 6802. This is effective immediately and indefinitely. 
Thank you, With my signature.

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 2018-06-28
Company: Experian Information Solutions Inc.
State: CO
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:
Experian is showing 8 negative items. Each item could be substanuated by a police report or letter. Experian still did not delete the items. They do not care what they report. I have sent them police reports dealing with identy theft. XXXX XXXX is still on my credit. dated XX/XX/XXXX. It is XX/XX/XXXX delete it. XXXX XXXX is Identy Fraud. it is dated XX/XX/XXXX. XXXX XXXX was taken off the other two credit bureaus, not Experian. why, they do not care about the consumer.

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 2020-11-18
Company: Caliber Home Loans, Inc.
State: NH
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Caliber Home Loans repeatedly calls my Cell Phone for a Debt XXXX XXXX from NJ owes due to being delinquent on home loans. I have been assured on five occasions that the number has been removed and they continue to harass me. The calls have been going on for 4 years despite repeated attempts to convince them it is not my loan. Today, XX/XX/2020 I received a call from Caliber Home Loans. I have already filed a complaint and Caliber Home Loans responded saying they would no longer contact me. I have also filed a complaint with the State of Texas Office of the Attorney General. Caliber Home Loans XXXX XXXX XXXX XXXX XXXX. XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NJ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: Experian Information Solutions Inc.
State: AZ
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:
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. Address information : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Address information : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Address Information : XXXX XXXX XXXX XXXX, AZ XXXX Address Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Address Information : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Address Information : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Employment Information : XXXX XXXX XXXX XXXX Spouse information : XXXX Date of birth : XXXX Account Information : XXXX XXXX Account # XXXX Account Information : XXXX XXXX Account # XXXX Account Information : XXXX  XXXX Account # XXXX Account Information : XXXX XXXX XXXX Account # XXXX Account Information : XXXX XXXX XXXXXXXX Account # XXXX Account Information : XXXX XXXX XXXX XXXX Account Information XXXX XXXX XXXX XXXX XXXXXXXX Account Information : XXXX XXXX XXXX Account Information : XXXX XXXX XXXX The above account and personal information being reported has violated my 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 an account or personal information without my written consent.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 explanation
Consumer complaint received 2023-12-15
Company: TapTap Send Inc.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Hi there, My name is XXXX XXXX I used Taptap to send {$120.00} to XXXX on XX/XX/2023. After 2 days of sending the Money the recipient was there to pick up the money Bank told the recipient money is not available to the bank yet. So, I called Taptap customer service to cancel the order and refund me back they told me they told me they cancelled the transaction and will refund me within 10 business days now its more than a month still didnt receive anything or confirmation email. I called them several of times they kept telling me they are working on this. Pl I request your help on this matter. I appreciate you so much. Thank you! 
I attached some pictures please check XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-15
Company: Maximus Education, LLC dba Aidvantage
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/XXXX  I signed into my Aidvantage account for student loan payments on my Federal direct student loans and could not find clear monthly statements on prior payments, allocation to principal, and allocation to interest. One prior payment in particular to a higher interest rate loan appears to be missing despite that I've always paid extra on that particular loan and I was unable to find prior statements to verify this. This is unclear. 

The second issue I have and wanted to raise to the CFPB relates to the auto-allocation feature. The auto allocation feature of the loan automatically sets the payment allocation, but does so in an unfair and deceptive manner. It appears to allocate amounts based on loan size, but does not take into account interest charge. As a result, it auto-allocates so that higher interest rate loan payment allocations do not necessarily cover their interest expense. I would consider this a deceptive practice because it 1 ) incurs higher interest costs over the loan, particularly since interest capitalizes 2 ) the default is to prompt auto-allocation and offering a 0.25 % discount for enrolling in auto-pay, which allocates in that fashion and nudges borrowers towards this decision without explaining the impact, 3 ) there are no clear statements provided that a borrower could easily check at their discretion and outlining the details in this manner, and 4 ) it unduly benefits the lender by curtailing principal on the loans with a lower profit. This is unfair because it has a disparate impact. The disparate impact is that this is likely something that households with lesser experience in finance and lower educations would not notice, and therefore are more likely to pay higher interest costs over the life of their loan. Demographically, these are typically poorer households.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
TransUnion XXXX, and XXXX are reporting incorrect information about accounts that have been opened up fraudulently in my name even though they have sufficient evidence showing that this is true, such as a police 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 non-monetary relief
Consumer complaint received 2023-08-16
Company: EQUIFAX, INC.
State: TX
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 these XXXX  Accounts listed below has violated my rights : XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX  ACCOUNT XXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX XXXX XXXX  ACCOUNT # XXXX BANKRUPTCY XXXX XX/XX/2014 REFERENCE # XXXX DEPTEDXXXX ACCOUNT # XXXX DEPTEDXXXX ACCOUNT # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-16
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act ( FCRA ) these creditors have violated my rights for these accounts : XXXX XXXX XXXX XX/XX/2022 Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent.

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons. 

I have attached my driver 's license and utility bill showing proof of 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 explanation
Consumer complaint received 2023-12-07
Company: Experian Information Solutions Inc.
State: NJ
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 2022-12-09
Company: EQUIFAX, 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:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I signed up for a new credit card for my small business because they offered a {$500.00} bonus if I spent {$4500.00} by a specific time. 
They sent me an an advertisement email on XX/XX/XXXX that stated all I needed to spend was an additional {$1300.00} to earn the {$500.00} bonus. I spent {$1600.00}, but they said I didn't qualify because I had some returns in XXXX. Nowhere on the advertisement email does it state that refunds hadn't been calculated in the amount. 

I feel this is a very deceptive practice so I closed out my account when they wouldn't honor the {$500.00} bonus promised in the email. Had they stated a different figure I could have made additional purchases to reach the figure since it was only a couple XXXX dollars more.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-16
Company: AmeriCollect
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
This is my 2nd attempt request to stop contact from this company. They continue to harassment me, my family, my employer, my landlord and I want it to stop. A few months ago they agreed to stop with the harassment ( which I have written proof from them ) but they have continued to do so and I want it to stop ASAP or I will take legal action against them for the constant harassment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-11
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
On XXXX XXXX, 2015, I refinanced my house in order to get the mortgage in my name and out of my deceased father 's name. My mortgage was with Nationstar Mortgage LLC at the time I refinanced with another mortgage company. At closing, I was told that I would probably receive a refund. I received a refund this week but can not cash the check ( {$140.00} ) because it was issued to the ESTATE XXXX. I have called Nationstar yesterday and today to inform them that my father 's estate did not pay off this loan, I did and my name should be on the check. So far I have not resolved this matter and am very upset with the way I have been treated my Nationstar Mortgage LLC. I have demanded that they reissue the check in my name.

Company response to consumer: Closed with explanation