BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-29
Company: Prospect Recovery Solutions LLC
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
I was sued by my wife 's father for money he loaned us in XXXX. I lost my job in XXXX when he sued. I did not go to court because it was not feasible. he Sued me in XXXX and was granted a judgement. XXXX XXXX hired a company Prospect recovery solutions. I got a call and he said I do not owe XXXX XXXX anymore but I owe him. I had no idea who this individual was. I asked him not to call me anymore. So he called my wife and contacted her by XXXX. Then he sent letters to the house, addressed to my wife. They are threatening letters. I am in possession of all. XXXX XXXX XXXX also contacted my Job. He talked to the HR Director XXXX XXXX and was asking personal questions about me. She did not answer any of those questions. I am very afraid because he threatened to come to my house. I have an attorney, to see what my rights are. He has pulled my credit report without my permission, he somehow knows what is on my tax return, and he has also reached out to my home town and has tried to cause disturbance there according to his letter that I have in my possession. I am afraid for my life and I hope someone can stop this indivdual.

Company response to consumer: Untimely response
Consumer complaint received 2023-09-22
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The address on this account is incorrect and I have been unable to get it removed due to it being reported from this account. I have never lived at this address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXXXXXX Balance : {$630.00} XXXX XXXX XXXX Balance : {$220.00} XXXX  XXXX Balance : {$1500.00} XXXX XXXXXXXX XXXX  XXXX XXXX : {$2600.00} XXXX XXXX XXXX XXXX XXXX : {$28000.00} XXXX, XXXX & XXXX XXXX XXXX : {$5900.00} XXXX XXXX XXXXXXXX XXXXXXXX Balance : {$18000.00} XXXX XXXXXXXX XXXX XXXX  XXXX Balance : {$2600.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX FIN XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$2600.00XXXX XXXX Inquired on XX/XX/XXXX ONEMAIN Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-31
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
USAA Reverses Merchants Credits Leaving Consumers with Fraud Claiming them to be USAA credits See attatched statement PERMANET MERCHANT CREDITS POSTED. {$28.00}, {$47.00}, {$34.00}, {$21.00}. on XXXX & NEW PURCHASES POSTED. IN THE SAME AMOUNT {$28.00} {$47.00} {$34.00} {$21.00} on XXXX.???? WHY DOES USAA GET TO REVERSE WHAT MERCHANTS CREDITED? Why does usaa claim credits they did not give? WHY DOES USAA GET TO USE TEMPORARY CREDITS NOT YET MADE PERMANET TO POST A PERMANET NEW PURCHASE?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: EQUIFAX, INC.
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: 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. 

Account name : Dept of Ed/XXXX XXXX Account name : # XXXX ; XXXX ( XXXX ) Account name : XXXX XXXX XXXX Account name : # XXXX, Account name : US Bankruptcy Court XXXX Account # XXXX ( XXXX ), Account name : US Bankruptcy Court XXXX XXXX Equifax & 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 an 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 response to consumer: Closed with explanation
Consumer complaint received 2017-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
On XXXX XXXX XXXX at XXXX XXXX I called XXXX XXXX at XXXX XXXX XXXX and spoke to XXXX EXT : XXXX to inquire about the late payments that occurred on my account after the account was closed. XXXX  Advised that she could not see any of the late payments that have been posted onto my account. Upon doing an annual credit check I noticed that I had 2 late payments for the months of XXXX and XXXX XXXX. My account was closed in XXXX due to a motor vehicle accident that left my vehicle totaled and my account was closed in XXXX XXXX XXXX. I wrote the company to dispute the 2 late payments that had been put on my account after my account had been closed and instead on XXXX XXXX XXXX they posted another late payment to my account for the month of XXXX XXXX, 8 months after the alleged late fee occurred which caused my credit score to  plummet almost XXXX points. Further more the name is reported inaccurately on this account.

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 2023-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$610.00}, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$170.00}, XXXX XXXX Balance : {$490.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$310.00}, XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$490.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$780.00}, XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$1100.00}, XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$3400.00}, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2017-05-19
Company: Omega RMS, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Today I noticed that this company has reported that I owe them a debt. To my knowledge I have never done business with this company nor have they provided me with goods not services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19
Company: EQUIFAX, INC.
State: TN
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 mailed a certified letter of a n Inquiry remo val letter to Equifax on  XXXX   XXXX ,  2017 .  XXXX   XXXX ,    2017  I received a letter from them basically describing what inquires are. This is the second letter I have sent to Equifax about these inquiries and no real investigation has been done. Less than a week I 'm receiving a letter that does not tell me if my inquires will be removed or not. It seems my letter was opened and closed and that was the end.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Attempting to make an overseas ( XXXX XXXX ) purchase of a {$120.00} item on XX/XX/2021, and the Bank of America put a hold on account requesting verification/authentication via text # code. Code was received via text after several minutes wait to receive, and the code did not work. Called customer service center @ XXXX, and placed on approximately 18-19 minute hold with no estimate of queue. Entire called lasted 21 minutes and 21 seconds, Customer Service agent was unable to resolve issue, as she wanted to authenticate via a phone call to the cell phone number I was calling from, but they had to keep me on the phone line while doing so. They did not give an alternative to authenticate me as a customer. Requested that I be transferred to a supervisor, and put on hold again. After this amount, of time to resolve I ended the call, as Bank of America did not seem interested in resolving the issue in good faith. In the previous month, Bank of America allowed approximately {$2900.00} in charges to go through on this same account, and I had to open a dispute to resolve the issue, that I detected when reconciling my billing.

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 2023-08-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/23, I was instructed by Kohls to call Capital One about them transferring my Kohls card to a Capital One Kohls Visa card. The person on the phone said I did not have a credit card with Kohls, but they showed I had a checking and savings account. When I explained I didnt recall ever having accounts with Capital One I was transferred to customer service. Then the customer service person transferred me to the Customer Protection Center. The Customer Protection Center would not provide me any information on the account. They only told me it was closed and because I stated I didnt believe I authorized the account they were unable to share information on the account with me. How can I verify if I did or did not open the account without more information. Before I file an ID Theft affidavit I wanted to make sure this wasnt an account of a family member that I might have been a POD on. Capital One refused to provide me any information and told me I would need to file a police report. How can I file a police report if I dont know anything about the accounts that were opened in my name. It is my understanding that Capital One has to provide me records of fraudulent transactions if I request them. They refused

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-09
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
JPMorgan Chase has been our current mortgage holder on our home loan for approximately 2.5 years. We are, and always have been, in perfect standing on our existing loan. 

Our current mortgage is a fixed 4.0 % for 30 years. In XX/XX/XXXX we applied to Chase to refinance our existing mortgage to a 15 year fixed with a rate locked at 2.75 %. The amount to be financed was approximately $ XXXX ; during the process our home was appraised by Chase at just under $ XXXX. 

My spouse and I have perfect credit ( both have scores of ~ XXXX credit score ). Both of us have stable jobs and incomes that far exceed the minimum requirements for a {$2100.00} monthly payment after refinance. 

After nearly 2 months of work to scan in documents, provide Federal tax returns, and numerous phone calls requesting additioanl documentation, we were informed our application was approved by Chase underwriting. We were told a closing date was forthcoming. 

Then silence for nearly 2 weeks ( early XXXX ). We were told that " compliance '' had suddenly denied our loan application. Our loan specialist ( XXXX, XXXX ; XXXX & gt ; ) and her boss ( XXXX XXXX ; XXXX & gt ; ) said our financial standing was perfect and they had no idea why our loan application was denied. 

Both XXXX and XXXX then asked us repeated questions such as : - have you ever wired money overseas? 
- do you have relatives in the XXXX XXXX? 
- have you recently travelled to XXXX, XXXX, XXXX, or similar country? 

The answer to all of these was " No ''. Questions only centered on my spouse, XXXX, and not myself. XXXX is a United States citizen and has only lived in XXXX, Texas or the surrounding area. 

I complained and demanded an explanation. The next day, a person claiming to be from Chase spoke to me and offered no information except to offer Chase apologies for the nearly 2 months of work both myself, my spouse, and the loan origination team put into the deal that was cancelled at the last moment. 

We received a form letter a few weeks later that contained 2 check boxes. NEITHER WERE CHECKED. This letter, which I will provide a copy to you, violates what I understand to be the law : the lender must indicate SPECIFICALLY why were denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: DISCOVER BANK
State: IL
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:
I DID NOT AUTHORIZE THIS ACCOUNT.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
i notice there is a lot of inquiry that i didn't authorization. and other company my credit without permission and lowering my credit limit. only inquiry i approved is the ones that associated with my open accounts. it's impacting my credit and my life.

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 2017-05-19
Company: AFNI INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The money {$1700.00} AFNI is co llecting is for an   XXXX   account which was opened under my name which is beyond my knowledge. In short, I was a victim of identity theft. I was not physically present nor have I made any  XXXX  account changes from  XXXX  until early  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Get robo called from the debt collector every week.

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 2023-10-14
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Today i tried to access my account online with XXXX bank, but all of a sudden i can't access the account because i have a different phone number. Now all of a sudden i can't access my bank account with them. Then after i update my phone number, i have to wait 14 days. I have been accessing this account with my user id and password. So i think they have been paid off by the XXXX  that have vandalized my cars and that have hacked my phones and have been doing other XXXX  activity like paying employees of businesses to give me a hard time like what fifth third bank is doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25
Company: Rent Recover, LLC
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
First, This debt is a result of an apartment rental lease, in which my dependent/student niece was only name as an occupant. From day one, I made numerous complaints in reference to bugs, flooding and mold, to name a few. I made numerous calls to maintenance, management and even the emergency line about the flooding. My mother was visiting from XXXX and my niece has both XXXX and XXXX to XXXX ( XXXX ), so it was beyond awful. I had been deceived by the initial walk through as the walls were freshly painted and carpet was new. Once I decided to vacate, I informed XXXX in advance, in writing, with no timely response. Partly due to onsite management changing 3 times within the 3 months of my stay. Once I spoke to management and then upper management at XXXX, I was asked to leave within days, which was not doable. I even tried to pay and assured the company that not only would I pay, Id surely leave the dwelling in better condition than I found it. I have many photos as proof. Not only did they return my final payment to me, They attempted to collect beyond what was due ; dispite the fact that the apartment was rented to an XXXX family ( with whom I visited ), within a few days of my moving, which is illegal in XXXX Once, I received notice from the collection agency ( after it was forwarded by USPS from my previous address ), I responded to dispute the bill via phone calls, email/fax and via their websites ' portal. I made contact with and/or wrote letters of complaint to various governmental agencies.agencies. I have n't heard from them again, until recently ... Rent recovery called my mothers ' house in XXXX in an attempt to reach my niece, who did not sign and has never signed a lease. Since, they have even put the negative debt on her credit report, as well!!!

Company response to consumer: Untimely response
Consumer complaint received 2023-10-24
Company: WELLS FARGO & COMPANY
State: IL
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:
I DID NOT AUTHORIZE THIS ACCOUNT. 

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any 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 2023-03-09
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:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$390.00} XXXX XXXX XXXXXXXX Balance : {$20.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation