BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Investigation took more than 30 days

Complaint:
Tried to secure a " refund '' check for {$85.00} from XXXX for an over payment of my bill for over 35 days without resolution. 

The XXXX Billing Department refers me to XXXX Department who refers me back to Billing Department. One unnamed XXXX XXXX. agent on XXXX XXXX, XXXX tells me it 's their error and a refund check will be issued by their XXXX Department " within a few weeks ''. 

Then today, on XXXX XXXX, XXXX, 35 days after initial contact via email, the same unnamed XXXX XXXX. agent tells me " check refunds can take up to 10 weeks to receive '' while also telling me the XXXX XXXX. " requested a refund '' on XXXX XXXX, XXXX and again on XXXX XXXX, XXXX. 

It appears the XXXX XXXX. and or XXXX XXXX. at XXXX  are not doing their job in issuing refund checks in a timely manner and should be investigated 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 2022-12-20
Company: ENCORE CAPITAL GROUP INC.
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am a FEDERALLY PROTECTED CONSUMER I am making this complaint against MIDLAND CREDIT MANAGEMENT I reject your offer to contract I did not consent to any nonaffiliated third party MIDLAND CREDIT MANAGEMENT ACCT # XXXX to be in possession of my Nonpublic Person Information. I never gave any permission to MIDLAND CREDIT MANAGEMENT use any of my identifying information to commit mail fraud by contacting me about this ALLEDGED DEBT. This is notice to cease and desist all illegal activity and communications and DO NOT TRY furnish false credit information on my credit reports. I am not requesting validation of any alleged debt as obtaining as Non Public Personal Information without my lawful authority constitutes Aggravated Identity Theft 18 USC 1028A .After you sent a email STATING that XXXX SOLD MY NON PUBLIC PERSONAL INFORMATION TO XXXX XXXX, AND NOW MIDLAND CREDIT MANAGEMENT HAS IT ''. I now have reason to believe that you are all conspiring against me trying to collect on a extension of credit through unlawful extortionate means. There is no TRILATERAL CONTRACT BETWEEN US THAT STATES I HAVE THE LEGAL OBLIGATION TO PAY YOU. THE FAIR DEBT COLLECTION PRATICES ACT AND THE XXXX XXXX XXXX WERE CREATED TO PROTECT FEDERAL CONSUMERS LIKE ME I AM PREPARED TO SEEK JUSTICE AND DEMAND ALL MY FEDERAL RIGHTS BE PROTECTED AND RESPECTED. The collection of this extension of credit would be a VIOLATION OF THE FALSE CLAIMS ACT. AGAIN WE HAVE NO CONTRACT I HAVE NEVER HAD ANY BUSINESS DEALINGS WITH YOU NOR DESIRE TO.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I was at work all day XXXX on Monday XXXX, 2023. I got home, checked my email and saw that my primary bank XXXX had sent me an email congratulating me on a hard inquiry. I checked to see what in the world that was about and saw that Capital One NA had made a hard inquiry on my credit. I was at work all day long and with absolute no interest what so ever in obtaining a credit card. I immediately took action and followed what XXXX said to do, which was to contact all three credit card bureaus, I called XXXX first and the lady helped me by alerting the other credit bureaus and adding an alert on my account. I'm really scared that I'm a victim of identity theft, I have no interest in obtaining a credit card at the moment due to me working really really hard on paying off all my debt. I'm really upset that this happened please help...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-20
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
In accordance with the FAIR CREDIT REPORTING ACT this creditor has violated my rights under 15 USC 1681 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

USC 15 1666b A creditor may not treat a payment on an account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I am listing the following inquiries below which I never authorized and I ask that they be DELETED from my credit report due to being placed on it without my expressed consent or written authorization! 
XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX Miscellaneous XX/XX/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 2021-11-14
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I never Received notification letter or mail from this company, PRESSLER Felt & Warsaw LLP About their actions however I just received a Letter stating they are representing XXXX XXXX.In there brief letter never stating what year this took place. I have no knowledge of this account DC # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company Wakefield & Associates which I hold no CONTRACT with nor have received services from reported a credit account against my SSN in the amount of XXXX and XXXX with XXXX, XXXX, and XXXX credit reporting agencies. I requested VALIDATION under the fair credit reporting act and verification of debt however the company failed to provide adequate proof of my identity or validate debt. The account was not placed in dispute on my credit report while under investigation. The debt was not validated within 30 days, as after 30 days without debt validation account to be deleted. considering this business does not have a contract with me for goods nor services they have provided adequate proof of application and identity or proof i am not obligated to pay for the alleged debt. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 

Additionally, I am allowed under the Health Insurance Portability & Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 

* Please provide breakdown of fees including any collection costs and medical charges. 
* Provide a copy of my signature with the provider of service to release my medical information to you. 
* Cease any credit bureau reporting until the debt has been validated by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ID
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I got a brand new XXXX XXXXXXXX card and I used it one time and I have been locked out of my account and I believe my accounts were stolen because my bank card also has a bunch of charges that I don't recognize. My email is also being weird.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: U.S. BANCORP
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
XXXX, XXXX I called Reliacard services to route my child support payment to another account over the phone and I was asked for my password... and I should not have a password. I have only activated a code for use of debit services. 
I went online to XXXX and found that a XXXX address XXXX XXXX XXXX was the email address attached to my child support card by its account number. 
I asked them to freeze the online account over the phone and the rep indicated that she could not help me without me giving her the password. 
I reported the fake email account to XXXX and requested they get ahold of us bank XXXX. 
I emailed XXXX about the situation and my inability to get anything done in time for anticipated ( and imparitive ) payment tomorrow morning... now I am here. 
I have had many issues but a few to make note of is that I have a XXXX XXXX account that I did not activate and my XXXX XXXX credit security indicator is under someone elses control because I did not activate that account either. 
Additionally, my XXXX XXXX XXXX was left at XXXX in XXXX XXXX, Iowa and they confirmed it months ago, saying they would put it in their safe and then it was not found when I tried to recover it. Lost about XX/XX/XXXX and I have no idea who could have gotten it, but its gone. This particular type of ID is used to assure online identification and it is in someone elses possession. 
There is something definitely wrong if all a person has to do is have the ability to apply hacking applications from online stores and they gain access to all your personal information. COVID forced everyone to pay things online and it has been financial quicksand for me. 
AND child support recovery unit or their payment portal will not insure or investigate lost transactions or funds.

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 2023-11-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/23 at Bank of America, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  XXXX. XXXX XXXX XXXX authorized a deposit of my security instrument. Which was duly stamped, scanned and imprinted XXXX banking details to be Credited to account. Was then denied for deposit after it was accepted by the bank after being authorized for deposit by XXXX XXXX XXXX. 
Then went to advise that the bank can not deposit my instrument after duly accepting it for deposit into the trust account we have with Bank of America. Which is direct violation of Federal Banking Laws pertaining to deposits.

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 2023-07-23
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-14
Company: WELLS FARGO & COMPANY
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
WELLS FARGO BANK AND XXXX XXXX ARE IN COLLUSION WITH EACH OTHER AND PULLED XXXX KNOWING IT WAS BLOCKED. VIOLATING 15 U.S.C. SECTION 1681G OF FCRA AND DODD FRANK ACT. XXXX XXXX XXXX AND XXXX XXXX XXXX SEE ATTACHED

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 2019-04-27
Company: EQUIFAX, 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:
In XXXX. I was checking my XXXX XXXX, as I had been paying off some collections and noticed misinformation on Equifax 's info. 

After trying to file a dispute online in which I was asked questions about loans and/or information that was NOT mine. I called them and proceeded to have the same trouble. They mixed my file with someones of the same name in another state. 

I had finally got it removed after many calls, for it to now appear again in XXXX. 

They are still mixing me up with another person of the same name in another state. I want this straightened out. and the mixed files separated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: Penn Credit Corporation
State: VA
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:
On XXXX/XXXX/XXXX I sent Penn Credit Corporation a letter in which they received XXXX In the letter I was asking them to validate the debt asking for the audit trail and promissory note ... Penn Credit has failed to place my account in dispute and it has been pass 30 days ....

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: Rocket Mortgage, LLC
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Rocket Mortgage sent over {$6000.00} to XXXX XXXX XXXX XXXX FL when {$0.00} should have been sent. 
They deducted it from my personal escrow acct. leaving me debt for flood coverage already paid by my XXXX XXXX XXXX XXXX XXXX. 
Rocket Mortgage deducted this amount on behalf of XXXX units at XXXX Condos They acknowledged verbally on XX/XX/XXXX that the check was sent out due to an error on Rocket Mortgage. 
They have yet to refund my escrow and have raised my mortgage payment where I will be in default as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: U.S. BANCORP
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
During the application process for a Home Equitly LIne of Credit ( HELOC ), the lending specialist held the application process hostage, delaying the closing. Loan value is {$25000.00}. The lending specialist, XXXX XXXX XXXX, NMLS # XXXX at US Bank whom is not a legal or tax specialist, i.e. paralegal, licensed attorney, or certified public accountant, proceeded to coerce our Certification of Revocable Trust against my advisement. After I cited specific inaccuracies such as IRS tax reporting identification number and supplied tax certification, the lending specialist continued to " advise '' inaccurate and factually incorrect amendments to the certification. Ultimately, I did not comply with the lending specialist 's requests as this document would not be subject to enforceability with negligent terms. Resulting in continued delay and risk to immediate needs of funds.

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 2021-12-18
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
not getting my platinum card statements, they blaming USPS, its not USPS as i am getting my other amer exp statements.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-14
Company: CITIBANK, N.A.
State: NY
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:
On XX/XX/XXXX, I was looking at my credit report and noticed that there were two hard inquires on my account. One I was aware, as I purchased a car in XXXX and took a small loan, which I payed off immediately. The other was under CBNA, which after many phone calls, I found out it was CitiBank. I called them and was told I would have to call XXXX, which I did and then was told Citibank should be helping me. Being somewhat frustrated, I talked to a fraud expert at Citibank who explained I had to fill out this form and after receiving a response form you, I would then have to mail it them. The representative has already stopped the card from being used, as the card was sent out, not received by me, but she cancelled the account. 

I have talked to many people regarding this issue, and the most important thing to me is having the fraudulent hard inquiry removed from my credit report. I worked hard to get it where it is, and I should not be punished for what someone else has done.

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 2019-04-27
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
XXXX XXXX XXXX reported a late payment on my credit, this is unacceptable. I didnt even receive any bill nor they didnt even try to call me regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: EdFinancial Services
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have federal student loans from attending XXXX XXXX I have a pending Borrowers defense application. I could not log into my account, enroll in XXXXto pay or figure out why my loans are in XXXX.

I waited on hold or had Edfinancial, my loan servicer, call me back ( which didn't always come ) for 4 days. One day for nearly 8 hours of waiting and still never got through. Finally, after getting through, I asked why my loans were put into forbearance when I specifically requested that I did not want forbearance in my Borrowers defense application. The person I spoke to didn't know what borrowers defense was let alone how to pronounce it. I also asked why I couldn't log in to their site. He said it was because of Borrower 's defense. I said I should be able to view my loans and what I owe even if I have a pending Borrowers defense application. I also asked to be able to enroll in autopsy but was denied that as well since I am currently in Forbearance ( but do not want to be! ) By the end of the call after he spoke with a manager, he said after 4 business days my loans would be out of forbearance. 

My loans are still in forbearance nearly one month later. I do not have time to wait on hold for hours and hours each day to keep checking on this situation that should have never happened. 

I have also file a complaint with the department of education ( studentaid.gov ).

Company response to consumer: Closed with explanation