BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-26
Company: Factor Trust
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have tried several times to obtain my annual copy and the company has refused to comply. I initially tried online but was denied due to me requesting a copy for being declined last year. They stated I can not do it online but once a year no matter what the situation was. I then faxed over a copy of my utility bill and id attached and they are not stating it is not legible. They refuse to validate over the phone. They are in violation of my right to obtain a free annual copy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: Ocwen Financial Corporation
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This is my 2nd time coming to CFPB for help. This is my 2nd time to trying get a result. I wonder can something be done. As explained before back in XX/XX/XXXX I was a XXXX  victim. I had a XXXX. It was a most horrible time a tragic period. I'm still making a comeback. With job and life, I can not work fast, I have to do things slowly very slowly. I spend almost 2 weeks in a hospital one to next. Back in XXXX my wife left me to pay all the bills I did the best I can. But I came up short so I asked the bank to help. They did what they can. I was approved for a loan medication when I got the hospital. I explained I just got out the hospital I can not start paying on it now, they explained to me just re-apply it will come back approved no problem. I called several times and again and again they told me the same thing. Just apply again it will comeback approved. Are you sure? Yes, was the answer. When I try to apply now I cant get a approval from them. I've asked them several times. Now, its always no.. I don't know what to do. What happened to before. Who can I contact. They guarantee me something before. They assured me I would get approved. What can be done? I got put into a hospital under a life on death watch. It was not my fault. Just one more chance, just one more shot. I will pay on time. Please, I was not working when I got out the hospital could not pay a penny until I got well. Now, I willing to pay. I could not walk, or talk or write. I couldn't do anything for myself. Now, I can do a little for myself. Please help me, thanks for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
on XX/XX/2019 I deposited a {$9000.00} cashiers check from my home equity line thru Bank of America mobile banking app, the bank placed a hold on funds until XX/XX/2019

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 2020-12-02
Company: Comerica
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Unexpected or other fees

Complaint:
SSI was to put my monthly cash on a Direct Express card, I was really supposed to have the money go into my checking account. SSI messed that up totally! 
However, they said they mailed me a direct express card, i never received it!! All of my bills are past due, and if someone finds the card, they will have my SSI for the month!! 1 I attempted to call Direct Express for 2 days, I WAS ON HOLD FOR OVER 8 HRS TOTAL!!!!!!!!!!!!!!!!!!!!!!!! 
AND DISCONNECTED SEVERAL TIMES!!!!!!!!!!!!!!!!!!!!!!! 
NOW, MY MOTHER LITERALLY JUST DIED ON XXXX XX/XX/XXXX, I AM ALREADY AN ABSOLUTE XXXX, NOW THIS TOTAL XXXX TO BOOT????????????????? 
DIRECT EXPRESS SHOULD BE SHUT DOWN, THEY ARE XXXX, AND DO NOT HAVE ANYWHERE NEAR ENOUGH PEOPLE WORKING THERE!!!!!!!!! 
I NEED THE CARD NOW, I CAN NOT WASTE ANYTIME BY GETTING A NEW CARD, MY CAR INSURANCE IS PAST DUE!! A STATE REP TOLD ME THAT THEY WOULD OVERNIGHT A CARD, THEY WERE TOTALLY WRONG, THEY SAID THEY CAN EXPEDITE ONE IN 3 DAYS BUT WANT TO CHARGE ME {$20.00}!!! I BARELY GET ENOUGH MONEY TO SURVIVE AS IT IS. I WANT IT SENT TO ME FOR FREE, AND I NEED THE TRACKING NUMBER OF HOW IT WAS SUPPOSEDLY SENT TO ME, THEY HAVE NO CLUE WHAT THE TRACKING NUMBER IS!!!!!!!!!!!!!!! 
HELP!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: Santander Consumer USA Holdings Inc.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that SANTANDER has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XX/XX/2018 I looked into qualifying for a mortgage and my credit was pulled by Factual Data on XX/XX/2018, this was a hard inquiry On XX/XX/XXXX .. 11day later I inquired with a competitive company, XXXX who used Equifax Mort and another hard hit was made against my credit report.

My understanding is the inquiries for the same purpose, like a mortgage inquiry, that are 14 to 45 days apart should NOT be treated separately, I should not have that second hard inquiry listed on my report. 

I contacted XXXX XXXX to complain and got the run around ... twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-22
Company: Law Office of Michael J. Scott, PC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
a person representing this company, came to my home .Trespassed and handed me a notice that they were suing me for breach of contract of a credit card in a XXXX court.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: EQUIFAX, INC.
State: TX
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 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. These items found within my credit report are not related to any transactions that I have 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 this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer repeatedly and its defamation of my character. 

- XXXX XXXXXXXX XXXX XXXX  Account # XXXX {$5000.00} - XXXX XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 have been a victim of inquiry issue with TransUnion I didn't apply for anything ..

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 2018-09-28
Company: Convergent Resources, Inc.
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I really have no idea. Where is this that comes from. I believe its XXXX. And I have not had that service in over 10 years. The statute limitations for collection has passed. As I started to clean my credit up. I suddenly got a bill for {$40.00}. They told me to just pay it. And I said I didnt owe it. And now I get aggressive phone calls daily. And the amount is now {$370.00}. This is a sold debt. That can not be collected upon. Because I do not owe XXXX a thing.

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 2019-03-10
Company: Linebarger Goggan Blair & Sampson LLP
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company is not licensed to collect in my state. In its communication to me, it did not list the permit number. Research completed indicated that this company is unlicensed to collect this debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 am a victim of identity theft and I have credit monitoring since this happened. I am noticing that there are a lot of companies pulling my credit and I have reported to all credit bureaus this matter. they are telling me they can't remove it for 2 years if I am telling you in a dispute that these aren't my credit inquires than you should be removing them.. I am in the process of buying a house and I can't have this happening and especially if no consent is given Transunion, XXXX and XXXX are failing to remove these inquires.

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 2019-02-26
Company: Greater Collection Agency Bureau, LLC
State: AR
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:
I have gotten voice messages from this company advising that law enforcement/legal parties were involved and that I absolutely had to give them a call back. When I reverse searched the phone number, I discovered it was a debt collection agency.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: Medical Data Systems, Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was affected by the global pandemic COVID-19. My insurance company contacted XXXX XXXX XXXX  in XXXX of 2020 because I was XXXX, and the hospital greatly inflated the charges, billing for services that I did not have and were not necessary. The Hospital agreed to write off the charges under the Cares FUND for COVID-19. The balance was to be written off. The company sent me a charity application XXXX XXXX, 2020. I completed the application and submitted it back to the company by mail 2 weeks later. XXXX XXXX XXXX did not process my charity application as previously agreed upon and forwarded my protected health information to a third party collection agency which is a HIPPA violation. I notified the company in writing the debt was not valid and advised them I did not give them authorization to sell my information to anyone. This correspondence was sent via certified mail. The hospital ignored my charity application and the letter sent to them by certified mail and forwarded my protected health information to a third party and they reported the balance to all 3 credit agencies and did not properly validate the debt pursuant with the Fair Credit Reporting Act I submitted a dispute with supporting documentation to XXXX, XXXX, and XXXX and they continue to allow this invalid debt to be reported

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 2019-03-10
Company: Javitch, Block & Rathbone LLC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
To Whom It May Concern, The reason for my dispute is JAVITCH BLOCK LLC XXXX XXXX   XXXX XXXX # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ) .However, in my records I am unable to locate documentation that they complied with thisrequirement, which is a violation of the FCRA & FDCPA . Also, JAVITCH BLOCK LLC.failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of OHIO allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) JAVITCH BLOCK LLC failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. JAVITCH BLOCK LLC is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under 1319.12 Taking assignment of debts. FDCPA I fail to see where JAVITCH BLOCK LLC is in compliance with OHIO LAW. I also believe that this business is not registered to operate in the state of OHIO I expect this collection account to be removed from my credit report. JAVITCH BLOCK LLC. has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately. Thank you!

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 2021-04-26
Company: OLIPHANT FINANCIAL, LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I applied for an on line loan with XXXX XXXX and was approved for an unsecure loan for XXXX at a fixed interest rate for 5 years with a payment of {$980.00} by the 15 of each month. I have been paying on this account for 36 months paid a total of {$35000.00}. Due to high medical cost for my wife and bank fraud on my checking account. I called XXXX XXXX customer service on XXXX XX/XX/XXXX after I paid {$980.00} for XX/XX/XXXX payment. I spoke with customer care representative to explain my circumstances with medical bills and if they had a hardship payment plan they said yes and we agreed to defer XXXX and XXXX payment and my XXXX and XXXX would be {$470.00} until I was able to catch up after the medical expenses were paid. I was told I would receive a confirmation email. Never received a confirmation email so I made a follow-up call and was told they did not make such an arrangement. I requested for them to check and see what was documented on my account. She stated sorry there was no documentation so I requested to have a supervisor listen to the recorded conversation and please return my call. I have never received a call from any of XXXX XXXX Managers so I called XXXX, XXXX still no response on the payment agreement. Later I received a letter from XXXX XXXX XXXX XXXX XXXX to assist with my past due balances they stated I owe {$26.00}, XXXX. My concern is that XXXX XXXX never mails or email out statements so you can track your actual balance so how would know what you actually owe? Now I have a third party involved but never was able to speak with a supervisor at XXXX XXXX to discuss my payment plan and concerns over balance owed to date. Currently OLIPHANT FINANCIAL are trying to collect {$26000.00} I sent registered mail a Validation of Debt Letter with no response? I spoke with a representative who was very harsh like a mobster! I explained my circumstances and needed validation of debt? He directly told me he would need payments to resolve this debt in one year at {$2200.00} a month! I never heard back from this collection agent for over two years! Now started in XX/XX/XXXX continues phone calls daily and now a settlement letter dated XX/XX/XXXX with terms : 1 payment of {$14.00}, XXXX or 3 payments of {$5800.00} or 6 payments of {$3100.00}. This is not even reasonable since I already paid {$35000.00} of the XXXX owed at {$980.00} for 36 months!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I have been unable to access my PayPal Extras MasterCard account online for months. When I log into PayPal, I can see my card balance. When I try to open the website where I can make payments and see my statements, I am directed to : https : //paypal.syf.comXXXX This message appears on the page : Login Not Permitted We're sorry. We have a problem with your account that needs to be fixed before we can restore your online access. 

Please call us at XXXX This is the customer service number for my PayPal Extras MasterCard. I have called them at least once per month since this issue began in 2017. 

These are the actions they have taken over the phone : They have sent me a new card. Three times they have said my card wasn't " linked '' and they have " linked '' it. They emailed a manager. They have sent me a portion of my old statements by mail. 

I keep calling and telling them my issue. Each time, the customer service agent does one of the above mentioned and says I should be able to login within 2-3 days, and sometimes 7 days. I have told them I would complain or consider closing my account if it wasn't resolved.

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 2020-05-20
Company: Experian Information Solutions Inc.
State: IL
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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX   XXXX  XXXX {$1300.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX   XXXX {$440.00} XXXX XXXX XXXX {$0.00} XXXX   XXXX XXXX  XXXX {$14000.00} XXXX  XXXX XXXX {$360.00} XXXX XXXX XXXX {$15000.00} XXXX  XXXX {$4600.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}

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 2020-12-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/2020 I noticed a new inquiry on my credit report dated XX/XX/2020, shown through Capital One 's credit monitoring service XXXX XXXX. The inquiry was related to a Capital One card for a company called Cabela 's. On the same day, I called Capital One to report suspicious activity ; a customer service agent said they'd transfer me to the fraud department, but no one answered, and after I called back again, I wasn't able to get in touch with anyone. 

On XX/XX/2020, I called Capital One again, and the customer service agent I spoke with wasn't able to find any information on my account related to opening a new credit card. They suggested I call the credit reporting agency. 

Later on XX/XX/2020, I called XXXX  and connected with a fraud specialist, who did see the inquiry on my account. They said they would report this back to Capital One, and that if I filed an FTC or CFPB complaint, that I should mail those documents to XXXX 

After this phone call, I logged onto XXXX XXXX, and I saw a new alert showing an inquiry for Capital One / Cabela 's, this time dated XX/XX/2020, reported by XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX   XXXX  XXXX {$1300.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX   XXXX {$440.00} XXXX XXXX XXXX {$0.00} XXXX   XXXX XXXX  XXXX {$14000.00} XXXX XXXX XXXX {$360.00} XXXX XXXX XXXX {$15000.00} XXXX XXXX {$4600.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}

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