BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-02
Company: PENTAGON FEDERAL CREDIT UNION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My account was restricted permanently. I had money stolen from my account and when I filed a claim, the bank retaliated against me by restricting my account access permanently. Its clear they just want to get out of reimbursing me. The law states that I am not liable for any unauthorized transactions. Yet, {$1000.00} was stolen from me and PenFed did NOTHING to help me or to get my money back. The account is FDIC insured up to {$250000.00}. But my claim was not approved and all fraud that was done onto the account by a relentless criminal was then blamed on me and told to me that I violated the terms and conditions. I followed all the terms and conditions and let the bank know of the fraud right away. IF PENFED OFFERS YOU FINANCIAL PRODUCTS OR SERVICES, RUN! 
Such a terrible bank and the app is terrible. There is nothing secure about this bank. I believe this bank is embezzling my money for their own financial gain. I plan on filing a complaint with the ftc. I also plan on suing for damages is court.

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 2019-05-08
Company: AmeriCollect
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:
I NEVER EVER FAILED TO PAY A DEBT. I have no debts. By the time they claimed that XXXX wasnt paid I had full health insurance coverage!! 
The secretary at that Dr office XXXX XXXX XXXX XXXX was the one to suggest changing from XXXX to XXXX. 
I HAVE NO DEBT and they are ruining my credit score sending an amount of XXXX $ for a debt that it is NoT mine!

Stop doing it!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Experian Information Solutions Inc.
State: IL
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: Problem with personal statement of dispute

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2020-03-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On the afternoon of XX/XX/XXXX, around {$3500.00} dollars has been transferred away through XXXX from my Bank of America checking account. It was done through 4 transactions, 3 of which around {$1000.00} and 1 around {$500.00}. I filed a fraud claim with BofA and got denied. 

I noticed this by the request for authorization code sent to my phone, which is not requested by me. There were around 20 requests ( 20 text messages ), unfortunately I don't have them anymore. 

After I received the first few authorization code, I immediately called the number of BofA, and by the time I was able to talk to someone, the money was already transferred away. ( First XXXX dollars. ) I talked to the customer service to file a claim, as well as the investigation department ( presumably of BofA ) which they told me it was transferred to an account under XXXX XXXX. I told them the fact that my email has been hacked, and they told me it was compromised through my online banking account. ( I checked and found read emails which are not read by me, as well as request to add recipient in XXXX, which is also not requested by me. ) In this process, BofA asked me to unfreeze the frozen checking account ( which was not frozen by me ) in order for them to reset the online banking account for me. In this process, another {$500.00} was transferred away while I'm on the call after I unfreezed my checking account. Then I was told I would either a ) get result of the investigation to my email or b ) get a temporary credit within 10 days. 

Today XX/XX/XXXX, I called BofA back since I haven't received either of those, and they told me they have sent me an email to my email account on XX/XX/XXXX which I checked again that I haven't. Later I confirmed with them that the email address is correct and set another address for delivery. BUT I was only told to receive the report after days. 

I was also told that the authorization code used to transfer the money was sent to my usual phone number and usual ip address. Which at the time it was under my possession and in no means I authorized the transaction. And they would provide more details on the phone.

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 2021-09-16
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

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 2023-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX Balance Owed : {$7100.00}

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 non-monetary relief
Consumer complaint received 2023-06-07
Company: DigniFi
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have been making attempts to pay my debt to the company Dignifi and they are not accepting my payments. 

I have been calling to make payments for more than XXXX months, and the company tells me they are sending my account to collections but will not tell me how to reconcile the debt. I have sent an email to the company in an NOI ( Notice of Intent ) action, but the company will not answer. From XXXX to XXXX the company will not take my payment, and I owe about {$3400.00} so I can make payments if they accept them from me. 

Company Website XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: BARCLAYS BANK DELAWARE
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
About eight or nine years ago, when I was still in college, my mom, XXXX XXXX XXXX, was worried about how I did not have a credit card to use for any emergencies. I was at this time someone with no credit history. She thought it would be a good idea to put me down as an " Authorized User '' for her BarClays Credit Card just in case I needed to use the card for an emergency as a college student. I do not recall ever using the card, and I certainly never cosigned for it or declared myself liable for any of the debts that were accrued on the card under my mom 's name. Now, all these years later, that BarClays Card is damaging my credit report because XXXX and other companies are treating it as if it is a very old card that I took out or signed for many years ago. 

Months ago, I called BarClays to express my frustration about this situation. They claimed that they removed me as an Authorized User from the Card and yet, three months later, my Credit Score is still being dragged down by their BarClays Card. Again, I do not have any access to this card, I never accrued any debts on it, and my name should have no association with it whatsoever. Since I was delisted as an authorized user, I have noticed that they no longer list my mom 's debt as being my own, but I would like my association with the card to be removed completely. The age of the card is serving as a drag on my Credit Score right now. 

Ultimately, BarClays should not be on my credit report. I am about to take on a new job and rent an apartment in another state, so I want my credit score to be as good as possible and no longer damaged by my name being associated with this nine year old card that I never signed for and that I have absolutely no access to today.

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 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
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. 

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 has violated my rights. Or a list of inquiries : 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 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 non-monetary relief
Consumer complaint received 2022-02-28
Company: CREDIT ACCEPTANCE CORPORATION
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/XXXX, I received a collection letter from XXXX XXXX XXXX. The letter was a settlement letter requesting me to pay XXXX different amounts to settle the account. I called to ask why I was receiving the letter & that I am not aware of an account with them. The guy on the phone at XXXX XXXX XXXX, asked for identifying factors in which I would not give him. He became irate & hung up. Afterwards, I called Credit Acceptance Corporation, & was informed that they're trying to collect a date from XXXX which is far past the statute of limitations so I faxed a letter to both entities & in total disregard concerning my letter, this morning, I received a call from XXXX  & voicemail from XXXX, after I requested for them to not contact me concerning the matter. So I called back & spoke to another person who answered & asked that my number be put on their do not call. She asked me to hold & after 10 minutes I hung up the phone.

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 2020-08-03
Company: Santander Consumer USA Holdings Inc.
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I have substantiated proof that Santander Consumer USA is in fact in the debt collection business, as they are trying to collect an alleged debt using false representation and deceptive means. I have several documented attempts to allow the company to admit to their wrongdoings. I demand relief in the form of monetary remedy as well as the complete deletion, and removal of this information from my consumer reports, and from all consumer reporting agencies databases. I invoke my rights as a consumer protected and enforced by the FCRA 15 U.S.C. 1681, and the FDCPA 15 U.S.C. 1692. I have multiple exhibits that substantiate my claims that the company is in fact in violation of the FDCPA on several counts. My attached Affadavit of truth, which was also included in the last correspondence with the company, has each fact listed. It has been thirty-eight ( 38 ) days I have not received a rebuttal of the facts I stated in my affidavit of truth, validation letter, and cease and desist request in my last correspondence sent via U.S. Postal Service certified mail with a return receipt. I requested that the company validate the information they are alleging by completing the attached forms, send them back to me for review, and allow me 30 days to evaluate while all collection and reporting must cease and desist. The company failed to validate, and send the documents back therefore by law, my affidavit stands as truth, and the company admits to being negligent and dishonest. Also, the company is using false representations, and deceptive tactics to attempt to collect an alleged debt. In my original correspondence the company listed its address as XXXX. XXXX XXXX XXXX XXXX, TX XXXX, but in the exhibits they sent back to my validation request they have their address listed at the bottom of the page as XXXX. XXXX XXXX XXXX, TX XXXX, and on some of the other documentation they have XXXX. XXXX XXXX XXXX XXXX, Tx XXXX, on their website they list XXXX. XXXX XXXX XXXX, TX XXXX as their payment address. The different addresses are very misleading, inaccurate, and unprofessional, as my other exhibits substantiate. The company haphazardly sent back documents that do no validate any fact or truth to support their claim so this debt is indeed invalid and inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: Experian Information Solutions Inc.
State: TX
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've made several attempts to resolve inaccurate information on my credit report with Experian. I've disputed the information with hopes Experian would follow the law and perform an investigation. This has not happened. I've sent in the document after document showing and outlining the " exact '' error. Which is not my job to do. I shouldn't be providing them with the issue and the answer. I'm told by law, the Fair Act of Reporting 15 U.S.C. 1681, items listed on my file must be accurate. The definition of accurate, ( of information, measurements, statistics, etc. ) correct in all details ; exact. This information is not accurate based on definition alone. Furthermore, I did not give said company or Experian written authority to list any inaccurate items on my consumer credit file, as stated in the following, 15 U.S.C. 1681b ( permissible purposes of consumer reports ). Each time Ive disputed any item, Experian returns with a blanket statement ( You have previously disputed this item. Pursuant to Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act, we will not process a duplicative dispute. If you have new or different information that is relevant to your dispute, you can upload supporting documents by using the button below. Alternatively, you can add a statement to this item or cancel your request below. You may also wish to contact the data furnisher of this information regarding your dispute ) and fails to do what is deemed an accurate re-investigation. If the reinvestigation was performed, they would spot the obvious inaccuracies listed on my report and correct, and/or delete. Since this dispute has been beyond the timeline outlined for reasonable disputes, ( XX/XX/XXXX ). The only resolution at this point would be to delete the items Ive disputed due to lack of verifying the information, along with the accuracy of the items. Prior to XXXX, Ive have time to work endlessly on my credit file. However, with the prolonged progress of the last items listed, Experian gives me no option to look at acquiring a mortgage, as lending and underwriting clearly see the inaccuracies which leads to automatic declines. This mistake and blatant disregard to my consumer rights has led to years of stagnation of me gaining any credit approvals.

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 2023-04-25
Company: Velocity Portfolio Group
State: OR
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:
Subject : Follow-up Complaint Regarding CKS Prime Investments , LLC ( Complaint # XXXX ) Dear Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX to follow up on complaint # XXXX regarding CKS Prime Investments , LLC. The company has responded to my complaint by stating that the account in question was settled in full, and they do not participate in a " paid to delete '' strategy. I must inform you that this response is incorrect and misleading. 

During my conversation with a representative from CKS Financial on XX/XX/XXXX, I was explicitly told that if I paid the amount of {$210.00}, the collection would be removed from my credit report. I made the payment based on this assurance, but CKS Financial has not upheld their end of the agreement. Instead, they have reported the account as " settled in full, '' which still negatively impacts my credit. 

Furthermore, I have noticed that XXXX is currently showing the collection account as open, which adds to the confusion and misinformation surrounding CKS Financial 's reporting practices. 

I have come across numerous examples of other consumers who have experienced similar issues with CKS Prime Investments , LLC. These individuals have been misled, scammed, and negatively impacted by the company 's deceptive practices. It is evident that CKS Prime Investments , LLC engages in unethical and potentially illegal activities, which warrant further investigation by the CFPB. 

I hereby request the Consumer Financial Protection Bureau to investigate CKS Prime Investments , LLC and their shady business practices. Consumers like myself should not have to suffer the consequences of false promises and misinformation. 

For your reference, here is the context of my original complaint : I paid a collection from CKS Financial on XX/XX/XXXX for the amount of {$210.00}. During my conversation with XXXX of the agents, I was told that if I paid the amount, the collection would be removed from my credit report. It looks like a mark from CKS was later added in XXXX of XXXX after a payment of {$210.00} was made. I have tried to contact CKS Financial but they will not return my calls or email. 

I appreciate your attention to this matter and hope that you will take the necessary steps to protect consumers from CKS Prime Investments , LLC 's unethical practices.

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 2021-02-05
Company: Mr. Cooper Group Inc.
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
During the XXXX XXXX of XXXX, I suffered great losses on a number of my rental properties, due to non-paying tenants. I had to declare bankruptcy. I filed, Chapter XXXX. I was able to re-organized all my debts with the exception of my primary home. The mortgage holder at the time was, XXXX XXXX XXXX. They adamantly refused to negotiate, ultimately filing for foreclosure. 

In XX/XX/XXXX, I refinanced four investment properties with XXXX XXXX, with an interest rate of 10.75 %. Although I was aware that this rate is excessive ; I had to do this as an emergency, to cash out funds, to save my primary residence, which was about to be foreclosed upon. The closings took place on XX/XX/XXXX. Immediately upon closing, the mortgages were sold to MR. Cooper. 
As per the Mortgage Note, my first monthly payment was due, XX/XX/XXXX, with a grace period of 12 days. See attached Mortgage notes. I sent my first payment to MR. Cooper on XX/XX/XXXX. The checks were cashed between XX/XX/XXXX and XXXX. See attached copies of cancelled checks. 

The end of XXXX, I received a call from a representative of Mr. Cooper, claiming that, three of my loans were past due. I told the representative that all loans were up to date, my first payment was due XX/XX/XXXX. According to the, representative, my first payment was due XX/XX/XXXX, I referred him to the Mortgage XXXX, which clearly states XXXX, XXXX. Over the ensuing months, Mr. Cooper continued to fail to apply payment to three accounts, despite cashing all checks ; all while, still making harassing phone calls, demanding payments. In XXXX of XXXX, I faxed copies of cancelled checks to Mr. Cooper, however the phone calls did not stop. 
As of this date, I have not received my 1098 statement from Mr. Cooper,. for the follwing accounts : 1.- XXXX XXXX XXXX XXXX Loan XXXX XXXX 2.- XXXX XXXX XXXX XXXX Loan # XXXX 3.- XXXX XXXX XXXX XXXX Loan # XXXX Im asking for your assistance in solving this problem. Looking forward to hearing from you, I remain. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation