BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-28
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Spoke with Midland Credit on XX/XX/2021. Attempted to explain XXXX XXXX  and was verbally abused and berated during whole conversation. Told them I needed to speak to fianc to help me pay them anything and was abused further. Brought up we were being recorded by their line and reminded them that I was XXXX  again and more verbal abuse. They also lied and said I had a bank account which I do not have one and havent for over 10 years. Lots of threats.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Re : Urgent Request for Temporary Credit - Claim Number XXXX From : XXXX XXXX - XXXX To : Consumer Financial Protection Bureau ( CFPB ) - XXXX Cc : XXXX XXXX XXXX with XXXX XXXX XXXX, XXXX XXXX Claims Act - XXXX, XXXX, XXXX XXXX - XXXX Date : Sat, XX/XX/2023, XXXX XXXX Dear Consumer Financial Protection Bureau ( CFPB ) and Bank of America XXXX XXXX XXXX, I hope this communication reaches you in good spirits. I am reaching out regarding claim number XXXX, a transaction dispute that I filed a week ago. 

Having been a dedicated client of Bank of America, contributing significantly to the bank 's cash flow with more than {$10000.00} monthly, I find it prudent to assert my entitlement to swift and equitable service, especially during challenging times like these. Given the considerable financial rapport I hold with the bank, it would be fitting to regard me as a top client and grant me a temporary credit for the disputed transaction. 

Furthermore, I believe it is essential to note that all clients, irrespective of their financial standing, should be accorded a temporary credit immediately after successfully filing a transaction dispute. This practice will not only fortify trust between the bank and its clientele but also ensure that clients can manage their finances without unnecessary strain during the investigation period. 

This interim credit represents not just an assurance of my fiscal steadiness but is also emblematic of Bank of America 's longstanding dedication to client contentment. While I trust your team 's proficiency in efficiently settling such matters, this temporary credit would immensely assist in stabilizing my financial stance during the investigation. 

I would be grateful for your expedient attention and an update on when the temporary credit would be reflected in my account. 

Eagerly awaiting a prompt resolution. 

Warm regards, 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 2023-03-15
Company: CREDIT ACCEPTANCE CORPORATION
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
On XX/XX/XXXX, I bought a car from XXXX XXXX for a sticker price of around XXXX Credit acceptance was the only lender that would take the little credit I had and ended up with a 22 % interest rate and an over {$16000.00} finance charge. The total amount of my loan was around {$42000.00} with a {$4000.00} down payment. That is double what the car was worth. Fast forward to XX/XX/XXXX, I am trying to refinance my car, but I still have a loan of {$28000.00} and the value of my car is {$17000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-06-08
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Equifax is unwilling to help me with login problems. I have called in 6 times and held about 7 hours. 5 representatives disconnected me. Another rep told me to call a different number who after holding for 45 minutes also " disconnected '' me. No one will help me with this problem or my freeze problem. I can not talk to a supervisor because the one person I connected with in 7 hours would not forward me. I can't apply for a savings account because I can't unfreeze my account or my husband. When I login I get a message to call, but when I call Equifax people are constantly hanging up and not calling me back, because they say they don't have the capability

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05
Company: CL Holdings LLC
State: PA
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:
XXXX Account # last 4 : XXXX XXXX XXXX XXXX account # :XXXX Amount XXXX I contacted XXXX and XXXX 12times.  I sent in police reports, I reported this fraud. I even requested the debt verification and they only sent me three bills that are address to a address that isnt mines. They didnt send the sign contract, they never sent in the copy of identification. Nothing and they are reporting it in my report while the original company is doing so as well. When I call XX/XX/XXXX at XXXX XXXX   the rep did not wan na help me when I asked why werent the requested debt documents sent to me see just estates if you have a lawyer we can speak with them. They are illegally reporting someone else debt in my report and will not help me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22
Company: Experian Information Solutions Inc.
State: VA
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:
Account # XXXX I challenged the accuracy, compliance, verification, and reportability of this listing. Please validate this information XXXX XXXX XXXX and ask them to provide me with copies of the original contract and validation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally requested that this information be immediately deleted from the credit file they maintain under my Social Security number. This fraudulent report is only reported on one of the three Credit Reporting Agencies. I requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I further reminded that they may be liable for your willful non- compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C . 1681S-2 ].

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 2020-06-08
Company: EQUIFAX, INC.
State: NY
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:
Account is w/ ( XXXX  ) On my credit report is ( incomplete ) the report is missing numerous months of reporting some times as much as 12 months and ( inaccurate ) w/ their reporting of late payments they show paid in XX/XX/XXXX & 90 days late starting XX/XX/XXXX! I have contacted ( XXXX  ) twice by certified mail & US Dept of Educ as directed by all three credit agencies XXXX, XXXX  & Equifax but nothing has changed! They keep saying report was ( Updated ) yet it the same report keeps coming back w/ ( No ) changes ( No ) one is reading my letters! I even send them Certified to show proof theyre receiving them! Last ones were for 15 day Method of Verification still ( No ) response!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... MLH ( Original Creditor : XXXX XXXX ) XXXX ... XXXX XXXX ( Original Creditor : 08 CAPITAL ONE BANK USA N A ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: Elevate Recoveries, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX ELEVATE RECO XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious ELEVATE RECO XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: Comerica
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Direct Express is horrible!! I have been paying my rent for yrs and now the card wont go through on the site, I have money on there but it wont go through. It wont let me order on XXXX!!! And it doesnt do everyone like this and every month its different its completely horrible

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I received several emails that an account was opened in my name verify my email, and they updated the email. I emailed bank of america and did not hear back from them, so I tried calling and was put on hold. When I finally reached someone she kept demanding an account number, but I didn't have one since I didn't open an account ( someone else opened it in my name ). I asked for the fraud department and she finally transferred me right back to main line and I didn't want to hold again. I emailed again a week later and did receive a phone call back verifying they received my email and I needed to contact their ID theft department. He supposedly gave me a phone number to the fraud/ ID theft department. However, I have now been on hold for over an hour .... They are not taking this seriously or helping close an account, listed in my name, that was never opened by me. 
How can they even allow accounts to be opened in a person 's name without proof of ID?! 

*This form asks for an account # or billing address. I have no idea what the full account number is or what billing address someone used under my name. They used my email initially, but may have changed that already as well.

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 2018-03-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
Received a letter, XX/XX/XXXX citing that Wells Fargo " collected an incorrect amount related to a title fee at closing '' dated XX/XX/XXXX. A check for {$96.00} was issued with no mention, redress of interest that would have accumulated on this amount. 
As a banking institution -- for them to have made the " error '' in their favor, and to have not issued a refund INCLUSIVE of interest, not to mention paying a penalty for charging me fees related to titling but not doing so correctly, is egregious. I made a call to the company and as the account has been since closed for many months, it took over 32 minutes, 4 times on hold and 2 different representatives to get the standard " we will look into this and get back to you within our usual 10 business days to see if we can pay the interest. '' These institutions NEED TO BE HELD ACCOUNTABLE!!!! They are in the business of MAKING money on interest, and yet withhold my money, based on their own accounting error, and have no accountability for paying me, apologizing, and wasting my precious time since I am a conscientious customer who does not want these practices to go on un-checked for my fellow Americans. PLEASE help us punish these financial institutions when warranted so they can not continue to take advantage of the busy, and often poorly educated customer!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-16
Company: EQUIFAX, INC.
State: GA
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:
They have already closed my complaint without any further resolution. Their REMARKS from my recent credit report says : " reinvestigation in progress ''. However, they have already closed my complaint through this channel. I can't seem to understand the connection. When it's closed then reinvestigation is done. But when reinvestigation is still in progress, they shouldn't close it yet. This is so unfair and I don't see their results valid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18
Company: AFNI INC.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a notice from " Afni , Inc '', a debt collector. They stated I owed money to XXXX. I knew this was a scam. I don't owe money to XXXX and I called them to double check. 

I would like to report this company as fraudulent. 

This is the information in the letter I received from Afni : Afni, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX, CA XXXX ( XXXX ) XXXX www.afnicollections.com Date XX/XX/2023 2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: VT
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Complaint about Mortgage Servicing Practices Dear Sir/Madam, I am writing to file a complaint against Rushmore Loan Management Services LLC regarding their handling of my residential mortgage account. I believe their actions may be in violation of certain provisions of the Real Estate Settlement Procedures Act ( RESPA ). 

My mortgage account has been transferred multiple times over the past several months, starting at XXXX XXXX XXXX and eventually ending up with Rushmore Loan Management Services LLC. These frequent changes have been problematic, especially because Rushmore and the previous banks have refused to accept my payments. Furthermore, the payment operations at these banks have not been functioning properly. 

On XX/XX/2023, I attempted to make a payment on my mortgage via a cashier 's check of {$1600.00} and a wire transfer. Despite my efforts to fulfill what now appear to be fraudulent obligations, Rushmore has verbally refused my payments and has subsequently claimed I owe over $ XXXX in fees. I believe these fees are unjust and that Rushmore 's actions appear to be a calculated attempt to exploit the system and unlawfully seize my family home. 

Section 3-604 of the Uniform Commercial Code ( UCC ) provides that if a person tenders a payment to a party who has the right to enforce an obligation, and the payment is refused, then the obligation is discharged to the extent of the amount tendered, given certain conditions. I am concerned that by refusing my payment and retaining the cashier 's check without crediting my account, Rushmore may be acting inappropriately and possibly in violation of RESPA or other applicable laws. 

I am attaching copies of the cashier 's check and confirmation of the wire transfer, as well as written correspondence with Rushmore documenting their refusal to accept these payments, their retention of the cashier 's check without crediting my account, and the unfair fees they have levied against me. 

I kindly request your assistance in reviewing this matter and advising on the appropriate next steps. I am seeking to ensure that my rights under RESPA and other relevant laws are upheld, and that my mortgage account is handled appropriately going forward. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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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