BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
I received a auto loan from XXXX XXXX in XX/XX/XXXX. In XX/XX/XXXX or XX/XX/XXXXXXXX XXXX sent for my car to be repossessed. I was forced to pay over {$300.00} to get my car back. Upon investigation of their claim of a past due amount, XXXX XXXX admitted that the REPOSSESSION was an error, and my account would be credited for the repossession/ storage fees. I paid the loan off in XX/XX/XXXX. The lender claimed I still owed money in XX/XX/XXXX, so I requested a detailed statement of account payments. The information provided was not clear and only confused matters. So I added all payment amounts posted by XXXX XXXX and it showed I was all paid up but they still refuse to release my title to car.

In XX/XX/XXXX, XXXX XXXX sent a repossession company to my house to extort me for a payment or they was going have them take the car. They also reported to the major credit reporting agencies false information, claiming account is closed even though there is a clear dispute with regards to amounts left on record as owed. XXXX XXXX still have not released the title to my car and they continue to have negative remarks on my credit reports preventing me from getting future loans and better rates or services.

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 2019-07-23
Company: National Collection Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I tried repeatedly to consult them for proof of Debt but they never send me an E-Mail or letter stating amount owed. 

I've spoken to them multiple times. 

I will not pay something without proof of records. 

I have been requesting for proof of Debt for the past year now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: Finco Holding Company LLC
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have asked the company on several occasions to only contact me through us mail or email. 
The most recent contact attempt to locate me was on XX/XX/XXXX when they called 3 of my relatives who were included in my Cease and desist and those same relatives have asked the company to not call them as well. Due to pending small claims court action through XXXX Justice Court I had requested a copy of my entire file and you will see below is a list of the companies memos made on my account from different employees, 17 different times they have made notes in my account as far as a Cease and desist account. However they continue to contact me and continue to contact my references while I have included them in my requests to not contact. They have my current information to locate me as we have ongoing litigation through the XXXX justice court, There is no reason for them to continue to contact my references when I have told them to stop. My references have also told them to stop calling. Most recent calls were on XX/XX/XXXX. I have written documentation to show my requests and the company continues to ignore those requests. 

XX/XX/XXXX Called refs XXXX XXXX w/XXXX, Asked DNC @ XXXX XXXX XX/XX/XXXX Called XXXX, I called back asked again DNC @ XXXX XXXX XX/XX/XXXX Called XXXX, asked DNC @ XXXX XX/XX/XXXX Called asked DNC @ XXXX XXXX XX/XX/XXXX Called, I hung up on the caller @ XXXX XX/XX/XXXX Company acknowledges DNC on file XX/XX/XXXX XXXX ( employee ) will talk to XXXX to see about calling @ XXXX XX/XX/XXXX email, I explain DNC only written communication thru email @ XXXX XXXX XX/XX/XXXX email, I request no phone calls or emails only XXXX  mail communication @ XXXX XX/XX/XXXX Company acknowledges Email only on my file @ XXXX XXXX XX/XX/XXXX I emailed regarding credit bureau reporting was given the wrong information entirely XX/XX/XXXX Company acknowledges DNC or email @ XXXX XXXX XX/XX/XXXX Company calls refs - XXXX and XXXX although its marked DNC @ XXXX XX/XX/XXXX I ask  again DNC me or refs @ XXXX XX/XX/XXXX Company acknowledges DNC again @ XXXX XX/XX/XXXX Company acknowledges DNC again @ XXXX XXXX XX/XX/XXXX Company acknowledges DNC again @ XXXX XXXX I have sent an email to the Branch Manager, XXXX XXXX and CC 'd her Regional Manager Mrs. XXXX addressing my concerns twice on XX/XX/XXXX and XX/XX/XXXX I received no response from either in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I requested my HSA funds from XXXX XXXX be transferred by check to my new PNC HSA account. However, XXXX sent the check to the wrong bank, XXXX XXXX. XXXX XXXX cashed a check that was not written to them as it was written to PNC BANK FBO XXXX XXXX. A copy of the check provided to me by XXXX will be attached showing endorsement by XXXX XXXX. I have tried for over month calling all three banks with no resolution as it is difficult to communicate with XXXX and PNC refusing to do what the other two banks recommended. Essentially, XXXX XXXX has my XXXX account funds which they won't release back to XXXX until fraud forms are filed by XXXX and filled out by PNC. PNC is refusing to file the fraud form. XXXX are telling me I can't fill the forms out since the check was technically written to PNC and not me directly even though my name is also on the check as the FBO. PNC is telling me the funds are mine not theirs and refusing to file the form.Thus, I'm left without access to XXXX of my money that XXXX sent to the wrong bank that fraudulently cashed said funds. No bank seems to be communicating with each other and nothing is getting done to return my funds by anyone at this time. Also attached is the fraud form PNC is currently refusing to fill out.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: Rocket Mortgage, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2019, our PMI reached the 78 % mark however when I inquired that the PMI should be removed from our payments, Quickenloans continued to state that we had to continue paying into the PMI until XX/XX/2019. After receiving this reply back from the mortgage company, I advised them that according to the Homeowners Protection Act of 1998 it was required that the mortgage company to remove PMI when it reached 78 % however they continued and still continue to state that the PMI will only be removed on XX/XX/2019 and then they have stated that the PMI would actually be removed a month after the XX/XX/XXXX date. After once again sending them information about the Act of 1998, Quickenloans refuses to remove the PMI from our mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XXXX Bank of America for no reason closed my account and did not send me any letters or communicated with me on why. 

I have been a client of theirs for over 10 years with multiple bank accounts and Merrill Lynch accounts with proven cash flow exceeding the $ millions. 

Despite that they cancelled my credit card with {$15000.00} in credit line. That is utterly unacceptable and I want this reopened.

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 2022-01-11
Company: Foris DAX, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
This is a straightforward complaint, if for no other reason than I was stymied so fast in the process! At the urging of a friend, I buckled and attempted to sign up with crypto.com for purposes of bitcoin trading, etc. They made various demands for information, which I assume were part of the mandatory Know Your Customer policies of the company. For ID, I presented to them my Passport card, issued by the US Dept of State ( of course ). They refused it, saying their system ls are not set up for that kind of ID. ( See attachment ) Ahem. I assert that they dont have a choice in the matter. This has been true for ages, most recently affirmed by the REAL ID act, and many others. 

( They also required biometric data, in the form of a selfie-photo, which troubles me greatly, but I don't know what laws or regulations would apply to that, including the fact that crypto.com is actually based in a foreign country! )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
I have several accounts that, I sent in dispute for, and the XXXX credit reporting agencies are avoiding me and my letters, its been over 90 days, any they haven't responded to any or my letters about those negative accounts on my credit reports. 

I cant handle this situation anymore, could you please make them respond to the disputes and remove those items that they failed to challenge within 30 days, they also are not notating the accounts are being disputed in the comments section of each account. 

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. This item found within my credit report is not related to any transaction that I 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 and its defamation of my character.

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 2018-01-13
Company: Firstsource Business Process Services, LLC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I started receiving phone calls from this number on my personal cell phone, home phone, and work phone on X/X/18. First and foremost they are NOT to contact my job for any reason. This is a personal matter and it should/will be handled as such. My number one complaint is that they are calling me asking me to verify my identity via social security number and date of birth to some strange person who advised the call is being recorded. If you are calling me in reference to a debt and I have verified that you are speaking to the person you asked for I will not give you or anyone else who is calling me from some XXXX my personal information There are too many scams going around and the only thing they would provide to me was that they were calling on behalf of XXXX XXXX and would n't give me anything else. I have not received anything in writing from this alleged debt collector about what or who they are and what they are trying to accomplish.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: T.S. Holdings
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
This account was sent from XXXX XXXX to IQ Data International sometime mid-XXXX. The amount at the time was {$5400.00}. I saw it on my credit, got the number, and I called IQ Data to discuss settling in XX/XX/XXXX. They were rude, talked down to me, made threats if I didn't pay in full. I offered {$3000.00} to settle and I was told they do not settle, and because I wasn't calling to pay out of the kindness of my heart, they were not obliged to help. 

I then called and talked with the new manager at XXXX XXXX. She told me the amount owed was actually incorrect, and that I really owed {$3200.00}. It took from XX/XX/XXXX through XXXX of XXXX to finally correct the amount in their ledgers and with IQ Data. I tried calling IQ Data again in XXXX and offered {$2000.00} to settle. I was told they don't settle and was literally yelled at every time I tried to speak. I finally hung up. 

I started researching options to deal with debt collectors and read that one should never call, only communicate in writing. So XX/XX/XXXX I wrote a debt settlement offer to them and mailed it certified mail with return signature receipt. That letter was received and signed for on XX/XX/XXXX. 
On XX/XX/XXXX I received a bill from IQ Data asking for the full amount ; they totally disregarded my debt settlement offer and acted like they never received it. Aggravated, I asked an attorney to help. 
On XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX issued a letter to IQ Data requesting validation of the debt and listed off all documents to be collected and sent to me within 30 days from the date of their letter, otherwise they were to cease and desist collections efforts and I could file a complaint against them. The law firm also stated should the debt prove valid I would offer to settle the debt for {$2000.00} issued in one lump sum by cashiers check to be paid no later than XX/XX/XXXX should they agree. I received nothing from IQ Data. 

I have never in my life been treated so poorly by people I am trying to offer money to. There is no judgment on this amount. Every other collections agency I've had to work with over my 41 years on this earth has been more than willing to settle ; I know that they do. Why IQ Data insists on insulting me and not cooperating is baffling.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
Company: DISCOVER BANK
State: GA
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:
On XX/XX/2016 Discover placed an inquiry on my XXXX XXXX Credit report. I did not authorize Discover to get access to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
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:
I had opened a secure credit card in the amount of {$300.00} that I started with 5/3rd Bank back in XX/XX/2013. About 2 years ago I went in to close the account because I had established credit with a regular credit card and did not need it..when I closed it they gave me my {$300.00} back that secured the credit card and I thought all was good. 
On my credit report it shows closed by credit grantor which I believe has had a negative affect on my credit. I disputed this with all three bureaus and XXXX and XXXX  still will not remove this incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: DISCOVER BANK
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I am a man/natural person and this is not a credit repair company. On XX/XX/XXXX, I was discriminated against as I exercised my right as the consumer/benificiary in a consumer credit transaction when I applied for a credit card with DISCOVER which is a violation of the Equal Credit Opportunity Act. My personal information was used on the application as well as my location information to submit application. From my understanding, banks do not lend money or extend credit as we have been bankrupt since XXXX. 12 usc 83 - No national bank shall make any loan or discount on the security of the shares of its own capital stock. DISCOVER became trustee to my social security trust as this is a trust action. They deprived me of my rights to extend credit which is a violation of 18 usc 242. They have committed trust fraud, bank fraud, and securities fraud. Each holding a fine from {>= $1,000,000} to {>= $1,000,000} Pursuant to 15 USC 1, 15 USC 2, 15 USC 78ff. I received no benefit which is unauthorized use of my credit card 15 USC 1602 ( p ). In order to clarify that there has not been any false claims of securities, illegal securitizations, trades, hypothecating, interest, and proceeds fraud entry misapplied in my name, as benificiary of the account Pursuant to 15 USC 44 Im asserting my rights to acquire documentary evidence for the books of account as defined in IRS 583. Id like to access record keeping of both journal and ledger credits of the account, as well as ledger and debits of the account, in order to verify the current accounting and taxes related to this account. This will allow me to reaffirm my status as the benificiary and you in fact have been loaned the amount in question. This will also confirm aggravated identity theft as you are conspiring to profit without my knowledge or benefit when you are trustee to my trust. Failure to produce said documents will be deprivation of rights as described before and {$10000.00} and/or 5yrs in prison for any. You have committed theft by deception and embezzlement both federal crimes. 18 usc 656- theft by embezzlement by bank officer or employee shall be fined {>= $1,000,000} or imprisoned not more than 30yrs. I would like this published for the public to see how corporations defraud consumers by the millions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2019 I wrote to Portfolio Recovery Associates XXXX XXXX XXXX. XXXX XXXX, XXXX, VA XXXX to dispute an account they are trying to collect {$4500.00}. I asked the to provide " Validation '' of this account well within my rights for the Fair Debt Collection Practices Act. Portfolio Recovery Associates failed to provide me with proof this account was indeed mine. They only replied with an amount owed. On XX/XX/2019, I again attempted to have the company provide accurate verification and validation that the account was owed by myself. The company sent notice which was received on XX/XX/2019 that states they have answered my dispute previously and their company bought an electronic file with my personal information in it and are now attempting to collect on this account. This account is not mine, this company is now harassing me and it is also affecting my credit score which is causing harm to my personal finances. This is a violation of the fair credit reporting act, fair debt collection practices act and defamation of character.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11
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: Old information reappears or never goes away

Complaint:
Experian XXXX XXXX XXXX several vendors I have repeatedly sent certified letters to the credit unions several certified letters to all vendors in question uncountable number of on line complaints to all I continue to request proof signed credit appls signed loan agreements no one has ever proved any proof and keep refuse to prove it and product anything I signed and refuse to ever look in to it because they keep claiming verified with no proof this must be a criminal act after 18 months. this is so wrong why should I have to pay XXXX dollar for each credit union and each vendor that continue no break 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 2022-01-11
Company: OneMain Finance Corporation
State: KY
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:
There is a hard credit on my report from One Main Financial. I have not tried to get a loan with them and they have no business checking my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: EQUIFAX, INC.
State: PA
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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX has violated my rights. 

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

Company response to consumer: Closed with explanation