BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-27
Company: U.S. BANCORP
State: CO
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I received a USBank Relia visa debit card on XX/XX/XXXX for unemployment payments. I am retired so I have not requested any unemployment benefits. The debit card has my name ( XXXX XXXX XXXX ) on the card. I have tried to contact the number on the back of the card but they tell me there is 204 people ahead of me. The website does not give me any way to close the card so I am afraid that some one has filed a unemployment claim in my name to defraud the government. The card number is XXXX valid thru XX/XX/XXXX with the number on the back of XXXX. I have contacted the Colorado unemployment office and filed a complaint. I have not had a invisticator call me back yet. If you have any questions for me call XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Co 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 non-monetary relief
Consumer complaint received 2020-08-31
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
IC systems which is a debt Collector for XXXX XXXX XXXX XXXX is saying that I opened an account in XXXX. I have not had XXXX since XXXX. The account went into collections in XXXX. They are trying to say I had a XXXX account in XXXX which is false. In the account for {$510.00} went to collections in XXXX, Then it has been over seven years and it should be removed from my credit. I do not keep documentation that its over nine years old. They refused to provide documentation stating that I opened an account in XXXX, because they know its not true. They have no such paperwork in my name because I have not had an account with them since XXXX. This needs to be removed from my account immediately.

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 2018-06-26
Company: Bristlecone, Inc.
State: VT
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I signed a lease with XXXX XXXX  back in XX/XX/2017. Once the beginning of the year came around the dog was just not working out. My husband called them and was told that the XXXX payment was going to process and our termination fee would be {$1900.00} something but that each time we paid on time ( they did ACH payments ) that it would go down that amount. So we decided to wait a little while. In XXXX he called again to find out what to do and was told that it was down to {$1700.00} something. I said that can't be right but lets call back and let them know they made a mistake when we decide to get rid of the dog. We give the dog to a no kill shelter because that was the only option we were given- later to find out we could have returned to the breeder at no cost. then when my husband called, suddenly he was no longer authorized to speak with them. So I called and they could not find my acoount even though I gave all of my information. They transferred me to another company- after telling me what to do with the dog and fee 's ( the last conversation said {$150.00}. They told me I needed paperwork and when I got it it was the wrong paperwork.They were clueless about my account until I forwarded them a bill I received after I told them numerous times that I did not authorize another payment. They still went through and tried to take a payment which resulted in me having to freeze and close my account. Before that I was told the amount has gone down to {$1400.00} something. so it's going down with the monthly payments it should be around {$900.00} since XXXX but the story always changes. I request the recordings and was told I could have All of them if I escalate my complaint which I agreed to do. Then was told I can't have any of the recordings. They had told me I could make payments and then I couldn't and then I could. This is a huge scam and because I have been fighting for the truth they have decided that I owe {$1900.00} something again! It is ridiculous!! I would like to send the emails with all the inconsistencies if someone can provide me with an email address. 

( I can not attach documents but if I am given an email address I can show you all of the inconsistent correspondence )

Company response to consumer: Untimely response
Consumer complaint received 2019-03-05
Company: Certegy Holdings, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
ACCOUNT # XXXX Was denied check acceptance so i contact the third party reporting agency and was told had and outstanding check from XX/XX/2015 I then stated this was not mine and had to be an error company has not properly investigated this information and continues to report not only inaccurate information but outdated information that should have been deleted from report due to time limits on reporting such items in the state of California

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 2018-06-26
Company: SYNCHRONY FINANCIAL
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
On XX/XX/2018 I was offered the opportunity to apply for paypal credit and was approved. After calling I was told due to me filing bankruptcy the credit line is not available to myself. This seems like discrimination and is misleading because this information was no where in the terms and conditions. After calling they offered advice on how to have the inquiry removed but I shouldn't have to write this complaint, do ANYTHING to remove an inquiry, or be permanently penalized for a bad financial decision that is forgiven by EVERY OTHER COMPANY that allows for line of credits.

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 2018-06-26
Company: ReliaMax Holding Company
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I took a loan out with ReliaMax lending services to pay for a pharmaceutical sales course online ( XXXX ) thru XXXX XXXX XXXX XXXX XXXX. 
As it turns out the course was a scam and a way for the instructor to make money. Meanwhile I am still responsible for this loan. I do not want to pay for something that was a scam and will not get me anywhere. The instructor got sued in the state of Colorado a few years back.Therefore he should not be allowed to even teach this course. 

I need relief from this loan and do not want to pay remainder. Below you will see links to the lawsuit and complaints for company. 

https : //www.stopfraudcolorado.govXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  https : 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 2018-06-26
Company: EQUIFAX, INC.
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:
Starting in XXXX I sent dispute letters to the bureau in regards to each account. They responded with by sending me a credit report saying that they were verified. In XXXX I responded with another dispute letter stating that if you verified I would like a hard copy and method of verification. The bureau responded with again another credit report stating that each account was verified. I have rights and and under the FCRA, Section 611 ( a ) ( 6 ) and ( 7 ), to have the bureau provide proof of each and  every account within 15 days. If not all accounts should be deleted. The bureau has not provided any type of proof of any account on my report besides the word verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: Experian Information Solutions Inc.
State: GA
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:
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection

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 2020-08-02
Company: Collection Bureau of America Ltd.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Collection Bureau of America is reporting an incorrect amount. I have contacted them numerous times to pay the debt that is owed ; however, they want to charge additional fees and refuse to work with me to resolve the matter and remove the negative remarks from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 in the process of purchasing a home, which required my credit to be pulled. This complaint is due to a collection from XXXX XXXX XXXX who has a collection filed against me with XXXX, TransUnion and XXXX, which dropped my score significantly. I received no phone calls or contact via US Mail to confirm this collection is mine or valid. Due to this I have not & did not obtain the full statutory period in which to dispute the validity of this debt in question as I did not receive any initial notification regarding the debt. Had I been reached out to, it would have been advised this collection is a result of Identity Theft which a formal complaint has been filed with the FTC, acknowledged by authorities and submitted to the credit bureaus. 

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 2021-05-26
Company: Westlake Services, LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Westlake Financial repeatedly call me for a debt thats not mine. Its not even my name they keep asking for. Ive told them repeatedly the person their looking for isnt at this number. They keep calling and its getting late. They keep calling from 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 2021-05-26
Company: Better Mortgage, Inc.
State: LA
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:
Better Mortgage completed my refinance on my home in XX/XX/XXXX. I received a phone call a month after closing from my loan expert XXXX XXXX XX/XX/XXXX on a recorded line asking if he could have permission to pull my credit report again. They pulled my report back in XXXX, XXXX when I applied. The voice recording will show that I didnt give him authorization to pull my credit report and on XX/XX/XXXX I was notified that my credit file was pulled by Better Mortgage. This was a violation of the fair credit reporting act. I notified the company and spoke with several people that said they were going to get the hard credit pull removed. This hasnt happened and XXXX  and XXXX  are still showing the hard pull on my credit files. I think that Better Mortgage is a very under handed company that pulls some shady deals and should be looked into for violating my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: RFNA, LP
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Last year my XXXX  son was born and XXXX XXXX sent me a live-check in the mail [ I did not apply for a loan - somehow they knew that I desperately needed extra monies ... ] that I deposited into my bank account because of financial struggles that I was, and still am, experiencing. I thought I correctly enabled automatic payments to be issued from my bank but clearly that is not the case. Today I received notice from my employer that my wages will be garnished per a small claims judgement that was made without my knowledge or consent. To this day I have not received any notice from XXXX XXXX OR the local court of these above mentioned court proceedings. I never received any type of phone calls or letters regarding default payments, court summons, court date, etc. Given the opportunity I will gladly work with XXXX XXXX to set up for payments to be automatically drafted from my bank account and mailed to them on a monthly basis in the form of a check. I feel it is unfair to me, as a consumer, for the loan company to take this kind of action without first talking to me and making me aware that my payments have not been going through to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: EQUIFAX, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that 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 qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 
The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me. 
STUDENT LOAN CREDITORS : US DEPT ED ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX STUDENT LOAN CREDITORS : USDOE/XXXX ACCOUNT NUMBER : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: Santander Consumer USA Holdings Inc.
State: TN
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I sent Santander consumer USA a right to rescind affidavit pursuant to 15 USC 1635 on XXXX rescinding the consumer credit transaction between the legal fiction and their company. The rescind was within the proper timeframe that federal law provides, which explains I can rescind any transaction before the third business day at midnight as long as I had intentions to do so. My intent to rescind before the third business day of the transaction was certified on the XXXX of XXXX which was the third business day of the transaction, see Cfpb receipts # XXXX. The company did respond to my affidavit but never rebutted the affidavit point for point under the penalty of perjury pursuant to 12 CFR 1102.33 ... according to 15 USC 1635 ( b ) ... 20 days after receipt of a notice of rescission, the creditor shall return to the obligor any money or property given as earnest money, downpayment, or otherwise, and shall take any action necessary or appropriate to reflect the termination of any security interest created under the transaction. If the creditor has delivered any property to the obligor, the obligor may retain possession of it. 

Next Santander sends me a bill with many fdcpa violations. First the contract was rescinded within the proper time. So any bills are fictitious instruments to collect on a rescinded transaction. Again a affidavit was sent addressing the fdcpa violations which under federal law a affidavit has to be rebutted point by point pursuant to. Again Santander failed to rebutt my affidavit point by point within the allotted 30 days. Notice of defaults with opportunity to cure were sent for both affidavits that they never rebutted. 
Santander has completely ignored both my affidavits, and proceeded to send me a notice threatening me with repossession and further damaging my consumer credit report. I sent Santander an estoppel by acquiescence regarding the account # XXXX For failure to properly respond/ failure to rebut either of the affidavits Point for point within 30 days. 
Ive seeked a declaratory judgement through notary public. If this account isnt handled properly I will take the matter to federal court.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: BANCO POPULAR DE PUERTO RICO
State: PR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
payments are reflected late in the amortization rate, I have the application and are not reflected

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 2019-03-05
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
CMRE contacted my sister about my debt XX/XX/XXXX @ XXXX expressing to her that they were going to report the debt to my credit report and they would next garnish my wages she explained that I was not home but the rep insisted that she was in fact me I then called them and they said they were sorry the last rep did that but would I like to set up payments I explained to them this isnt correct and they needed to verify this incorrect bill

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: LEXISNEXIS
State: NC
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: Investigation took more than 30 days

Complaint:
I contacted Lexis Nexis Consumer Center on XX/XX/2021 by certified mail to challenge the validity of an alleged bankruptcy that Lexis Nexis has listed on my consumer report. On XX/XX/2021, Lexis Nexis responded via mail that I did not send my state identification card in with my initial request, when in fact I did. On XX/XX/2021, I contacted Lexis Nexis by certified mail, and resent a copy of my initial request along with another copy of my state identification card. As of XX/XX/2021, Lexis Nexis has failed to respond to my request of an investigation of the alleged bankruptcy that Lexis Nexis has listed on my consumer report that is causing irreparable damage to my credit profile.

Company response to consumer: Closed with explanation