BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On this day XXXXXXXX XXXX  I spoken with several reps from Equifax about unauthorized and fraudulent collections on my consumer report. Under 15 USC 1681 ( a ) ( 3 ) Equifax assumed this role without permission nor my consent, also Equifax did not respect my rights to privacy which is under 15 USC 1681 ( a ) ( 4 ) The collection which I am speaking of are from a source called ( XXXX XXXX  ) and ( XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The undersigned Secured Party caused a complaint to the Consumer Financial Protection Bureau ( CFPB ) about a fraudulent bank ( XXXX XXXX XXXX  XXXX  ) placed on my consumer report by XXXX XXXX, and Transunion. Dear debt collector/ credit bureau . I am, a federally protected consumer. Subsections ( A ) and ( B ) of 15 USC 6802 prohibit the disclosure of my nonpublic personal information without my consent. Please remove XXXX XXXX XXXX XXXX accounts from any public record. If all accounts are not removed the consumer is owed actual damages under 15 USC 1692K. 
I have sent numerous letters to XXXX XXXX regarding the alleged debt they say I owe. I do not owe XXXX XXXX any money. XXXX XXXX has yet to send me anything bearing my wet-signature proving that I owe them anything. XXXX XXXX does not have my consent to furnish my Consumer report or share information with anyone.

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus, such as XXXX XXXX, and TransUnion  prior to validation and proof of claim of the disputed debt, this action might constitute fraud under both Federal and State Laws. Due to this fact ; if any negative mark is found on any of the Claimant credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341 ( Mail Fraud ) THIS IS A DIRECT VIOLATION OF THE FCRA AND FDCPA

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 2021-04-23
Company: EQUIFAX, INC.
State: DC
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:
There are accounts showing on my credit that are not my accounts! I was going over my credit again when I noticed them! I am seriously freaking out! I dont understand how this is happening to me! I never gave permision to put someone else accounts on my credit! These are unacceptable mistakes or fraud! I am the only one who has access to my personal infomation and I am the only one allowed to use it. So how does this happen? My credit is so bad right now because of this that I cant even get approved to move into a new apt XXXX Help me please!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: First Midwest Financial
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mortgage payment has been XXXX. It is through First Midwest Bank. 
In XXXX we submitted our usual payment. I got an email after XX/XX/15 stating that we were late. When I checked the website our payment had gone up to XXXX. We received no previous notification about this information. We submitted the additional XXXX dollars immediately and considered the matter closed. On XX/XX/XXXX, we received a letter stating that we owed {$160.00} to the First Midwest XXXX Department. I called them XX/XX/XXXX since XX/XX/XXXX was XXXX XXXX and was told First Midwest no longer services the loan, I need to talk to XXXX. XXXX states they have not charged us any late fees but yes the account shows we still need to pay this. First Midwest is now stating they no longer have access to the account either and we need to discuss with XXXX. XXXX has not uploaded the mortgage information so we do not know when or how to pay this money and nobody can explain to me why we owe this.

Company response to consumer: Untimely response
Consumer complaint received 2020-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I'm a recent victim of three online scams including identity theft and financial fraudulent charged and unwanted charges. I've been in touch with all three credit reporting agencies. I want to place verify that an initial and extended fraud alert is in place with all three agencies and that they have received my letters of updated phone number, address and other updates. I want them to remove and add and new security freeze to all three files and a security alert. this needs to be done asap.

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 2019-03-27
Company: DISCOVER BANK
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Discover has decreased my line of credit. I have paid off my balance and only missed one payment by 5 days. And my account went from {$11000.00} of available credit to {$1500.00}. As a customer for 3 years I feel discriminated within the use of fair credit reporting act and mistreated by a company that just reached out to me about a line of credit for my XXXX XXXX agency. It was very unprofessional to decrease a line of credit to worsen someones score who has been faithful and paid back efficiently. Discovers service is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-19
Company: CITIBANK, N.A.
State: CO
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:
The last XX/XX/XXXX I went to Sears store for shopping some stuff at XXXX XXXX XXXX XXXX XXXX  Co. XXXX, when check out the balance was {$58.00}. The cashier asked me do you want credit card store. I was thinking maybe its the moment for apply for one card store for build better my credit. I say yes, I notice she was talking a lot, never give me the right information, just talking about the offers. I sign some documents but I notice doubles papers, I asked her DONT PULL UP MY CREDIT TWICE, she answer me no, just once very softly. After two weeks I received two letters, with two different reference numbers, in this moment I was so upset, I went to the store, I spoke with XXXX, she tell me the general store manager is no in the store for one week well I spoke with her about this problem. XXXX says they cant do anything, but I say the problem come from the shop worker and she offer a letter never received. This is not fair because take me long time to build my credit for just this inappropriate practices from the cashier ; she was just thinking in the commission she was received but never thinking how affect my credit. I never authorize two applications for credit card, please I need your help, I dont want to lose many point just for one person how just thinking in the money, she will receive for the credit card application.

Thanks 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 2019-09-05
Company: Fay Servicing, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I live in a townhouse and my XXXX has XXXX XXXX and also XXXX XXXX. 
I have been calling my Mortgage Provider Fay Servicing, based to XXXX, to cancel both insurances over the course of a year. 
I have sent them proof of printed faxes I have sent to them. I have recently found out that they paid out on XXXX XXXX XXXX on my property in 2018. 
Everything time they complain they tell me to send a letter to them. I can not speak to anyone in their insurance department direct. 
When I received one response they mention that they credited me {$14.00} on a Lender place Insurance ( as I had another insurance ) and ignoring the fact that I do not need House insurance. 
Who can I get to get these guys to listen to me?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: Conn's, Inc.
State: LA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX I made 2 payments to my Conn 's store pluse accounts. The first payment was for {$130.00} and the second payment was for {$210.00}. Conn 's debted both payments from my checking account on XX/XX/XXXX. On XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX Conn 's called me repeatedly stating my payment of {$210.00} was not received. I called Conn 's on XX/XX/XXXX to inquire why they didn't credit my account and they stated that both payments were posted to the same account in error and the payment of {$210.00} would have to be move to the correct account. As of XX/XX/XXXX they still haven't moved the money to the correct account and are still reporting my payment as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18
Company: The CBE Group, Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Everyday relentlessly I am receiving 5 to 7 calls a day from this number XXXX XXXX XXXX which my caller ID is saying this call is being made from XXXX XXXX in XXXX. The first time I answered this call, The immediate message said Hi, This is CBE and anything you say will be recorded and all went silent then the call just disconnects. I searched CBE and it is a debt collection service with office based in XXXX, but I did not call or reach out to this company for any information. I have a call blocking service provided to me by my phone carrier XXXX which Identify scam or these type of calls but all it does it let my phone ring twice and disconnects the call but recently this same number comes in and my phone keeps ringing and my blocking service does no good as if thought the number is being proofed. I want this company to stop calling me PERIOD. I even tried to answer them to find out what they want but the call gets disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: EQUIFAX, INC.
State: NV
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 AM VICTIM OF AN IDENTITY THEFT WHICH MEANS SOMEONE STOLE MY INFORMATION AND OPENED A FRAUDULENT ACCOUNT WITH MY ID AND SOCIAL. THE ACCOUNT AND THE CHARGES ARE NOT MINE, I NEVER REQUESTED THIS ACCOUNT TO BE OPENED, I NVER USED THIS ACCOUNT AND THE PAYMENT MADE ON THIS ACCOUNT ARE NOT AUTHORIZED BY ME. I AM VICTIM OF AN IDENTITY THEFT. I DON'T KNOW THE NAME OF THE PERSON WHO DID THIS, OTHERWISE I WOULD REPORT THEM AS WELL.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: EQUIFAX, INC.
State: LA
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 have disputed the inaccurate reporting of payments and balance from the XXXX XXXX XXXX with XXXX, Equifax and XXXX multiple times and nothing was done to correct the issue. The investigation was not completed correctly and the information was not verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: United Collection Bureau, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was contacted by UNITED COLLECTION BUREAU , INC through mail to contract with them on an alleged debt I owed to XXXX 's department store. I have no idea who UNITED COLLECTION BUREAU XXXX INC is because I never gave them written permission to contact me about an alleged debt I owed to XXXX XXXX. They have used my personal information and shared it with another third party I have never heard of, to also collect on this alleged debt. Now that party is contacting me and I feel violated as my personal information is being passed around without my permission. They are violating my privacy and I would like it to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-24
Company: Ocwen Financial Corporation
State: MD
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XXXX XXXX  obtained a judgment against me for a mortgage foreclosure despite many issues related to the mortgage servicing company. I have been attempting to contact XXXX XXXX  to determine the status of the debt but have had no luck reaching the right folks. 

The property address is : XXXX XXXX XXXX XXXX, NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: IQOR US INC
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Hello, My Name is XXXX XXXX, i am currently XXXX years old, I have retired. I have a student loan that i cant repay. I filed For bankruptcy around XXXX and tried to stop the debt collector, but found that that is impossible. 

I have lost everything when the market crashed in XXXX, and had since been permanently XXXX due to a XXXX. I live with my kids, I no longer work and only live off my SS RETIREMENT. I cant seem to stop the penalties and interest on a student loan that took out for my child in XXXX. The school has closed, ran with the money and never was able to offer a degree. We are not the only ones affected by XXXX COLLEGE which we are very disappointed. The Loan was with XXXX XXXX and has been moved to XXXX. I no longer have any information. 

I dont have any ability to earn money and cant afford payments.

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 2018-05-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
My credit card company failed to notify me that a payment is due for this past month, with the the payment due on XX/XX/2017. The company typically sends an email message to me, rather than mailing a statement, to inform me that a statement is available to view. To clarify whether I have attempted to resolve this issue with the company, I have had this issue with this company in the past, several years ago, and informed it at that time on more than one occasion that it did not send a statement to me. However, I did not inform the company this time because clearly any problems I have had in the past did not get resolved and the company is failing to ensure that this does not occur again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Transunion continues to publish collections on my credit profile that arent mine. I sent them a dispute letter over thirty days ago and they have not responded. Also from what ive read they can not furnish items on the consumer report without the written consent of the consumer. 15 usc 1681 ( b ) ( 2 ) 1. XXXX XXXX XX/XX/XXXX 2. XXXX  XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XXXX  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 explanation
Consumer complaint received 2021-07-16
Company: SinglePoint GI
State: IL
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:
XXXX this number is calling any person associated with me and leaving voice mails. They called every family member and now found out they called my work and tried to ask personal information about me to an associate. 

I have no idea who they are. I receive several scam calls from this number and other numbers leaving threats in voice mails saying I will be served and arrested for some collection. Some voice mails provide a social security number which isn't even mine. I get unwanted calls constantly and they should not be calling family members or work. I know it is illegal for anyone to say anything personal about me to anyone else rather that information is false, as well as constantly calling with threats.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05
Company: ARVEST BANK GROUP, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was told at the end of last week by the loan officer at Arvest Bank & Central Mortgage Company that he could obtain pricing of XXXX % with a XXXX % lender credit ( rebate point ) if I completed my application. I completed my application on XXXX of this week but he was only able to pull XXXX  and XXXX   credit scores because I had credit freeze on XXXX. He was able to pull XXXX XXXX XXXX yesterday when the pricing had not changed. He was asking some questions about the loan balance, but, since I had completed my application I thought I was locked. He told me this morning that he did not lock my loan and that the rate and points now had gone up and instead of paying me a XXXX % lender credit ( {$450.00} payable to me ) he now was charging me XXXX % ( I have to pay {$900.00} ) .I am now out {$1300.00} and he never once told me that even though I had completed the application and he had been able to pull all of my credit scores that my rate was not locked. Please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: EQUIFAX, INC.
State: VA
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:
My credit report states that I applied for this loan on XX/XX/2017. I did not apply for this. I got my car loan in XX/XX/2017. I know nothing about this company as I never received a letter from them as I did from the other companies. My dealer tried other companies that I have a list of. The company is XXXX XXXX XXXX XXXX I have no idea what the " XXXX '' is for.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: Capital Management Services, LP
State: LA
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: Problem with personal statement of dispute

Complaint:
Approximately 6-8 mos ago, and several months before this, I received a call from Capital Management Services, XXXX, looking for XXXX XXXX for payment of a credit card account. This is my ex-husband. We were divorced XX/XX/XXXX. There were no mutual debts at the time of our divorce. I even informed them that I heard from a friend of his, that he died sometime in XXXX. I requested that this company please remove my phone number from their records. To date, they have not done this because I received a call, again, looking for XXXX XXXX. I am tired of being harassed by these people, who obviously do not know how to check whether a person is living or not. Can something be done about this, other than what I am doing?

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 2021-10-04
Company: DISCOVER BANK
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
i have sent in a police report also i have disputed the accounts and ask for the company to send me information regarding the account also send me proof i signed up proof of my signture and my proof that this was me.. they sent me only a bill nothing else and my name and someone else name on the bill.as i stated to them this is not my account nor did i apply for the credit cards

Company response to consumer: Closed with non-monetary relief