BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-30
Company: Fig Tech Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
On XX/XX/2020, despite the fact that I posted a Consumer Statement on  XXXX site, not to provide my credit report to any creditor without contacting me first on my provided personal cell phone number, second a call to my provided house phone number, and third obtain a written authorization from me. Transunion, on the referenced date, provided my report without my written request to : FIG LOAN INC/FIG LOANS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Ph : ( XXXX ) XXXX FIG LOANS opened an unsecured fraudulent loan/account for $ XXXX {$540.00}, in my name without my authorization, my written consent, nor any executed application submitted by me. I never heard of this so-called company ever before. I disputed this loan with XXXX on XX/XX/2020, and also tried to call FIG LOANS INC/FIG LOANS at the provided number on at no avail. Either no one answers or the call triggers a recording.. This has been going on up since XX/XX/2020 when I filed the First Dispute with XXXX until today XX/XX/2020, almost One and Half months of AGONY. Their action has effected my life, my credit score and it won't go away ...!!! This is keep on being reported as delinquent to XXXX and it brought my credit score to below 600. I filed a Second Dispute today with XXXX  regarding the same. I was asked by XXXX to report FIG LOAN INC/FIG LOANS to CFPB for their Fraudulent Act they have created in my name. Also, when I googled XXXX  ( XXXX XXXX XXXX ), this company showed as having committed fraudulent acts in the past and all along. To All Consumers, PLEASE BE AWARE of FIG TREE INC/FIG LOANS  and seek caution and protection against them. I have never filled nor signed an application for any loans whatsoever with them, and their fraudulent actions has put a dent into my life, and ruined my impeccable credit of the last 35 years..!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Unable to obtain a copy of my rental/tenant history credit report. I wrote to you, and have not recieved any response.

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 2019-05-23
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Last year was a very difficult year for me, I lost my full-time job, I barely had one part time and when they needed me, in my need for a job I put my resume in some job agencies like XXXX, In XXXX of this year, through her, I was contacted by a company that is dedicated to market research with " secret shopper '' ; After investigating about the subject I agreed, I received a money order of {$1000.00} ; I went to my bank ( People 's United Banck ) made the deposit, and it became effective. The money was in it for 24 hours, but I did what was required for the work, and I bought the gift cards, I took the photos and sent them together with the report they requested, this process lasted about three weeks, at this time I received Three more money orders, I did the same with these, and deposit them. One hour after the deposit someone called me from the bank and told me that the checks were bad, that it was a fraud, and there my nightmare began, I was treated as a criminal, the agency head was too aggressive and complacent, in this bank my account I was active 5 years, and still I was treated in a very offensive way, maybe because I still can not communicate verbally in English correctly, because I am XXXX. 
I put the complaints in the police the same day of the bank incident ; in the following weeks someone from the bank called me menacingly and told me that if I did not pay the money they made in my account I would send them to a collection company, and I was treated again as a criminal, I never said that I would not be held responsible for my responsibility for my mistake made because of my need for work. Shortly after this in the cooperative where I had opened an account they called me and told me that the bank had contacted them and they closed the account of the cooperative. As a result of this incident with the cooperative, I went to the bank 's offices in XXXX, CT, and spoke with Ms. XXXX, who helped me with a better spirit, and during the conversation she mentioned that these documents are detected 24 hours a day. your deposit and this is reported to the branch where the deposit was made, she made the management so that the bank would help me to open an account again to pay the money that I was cheated, but with the condition that she signed some documents which were not they wanted to send me to read them, because I wanted to be sure that I am about to sign, however they did not give me these by any means, it is more the Miss XXXX told me that because I do not go there and read them, I insist my English is not even strong enough to be able to understand certain things clearly. My desire to fix this situation is paramount because I have never had problems of this kind before. I am an honest and principled person and I am very scared with all this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I do not have access to the documents related to these accounts, but the creditors would. Please note that for some of these, I believe that a relative that may have forged my name ( or used my personal information ) in order to take out these accounts without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10
Company: Oklahoma Student Loan Authority
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: Personal information incorrect

Complaint:
I opened up two loans on XX/XX/XXXX for a total amount of {$2800.00} from the Department of Education/ OSLA. I only attended one semester at XXXX University so no further loans were opened after XX/XX/XXXX. The Department of Education never reached out to me nor my parents one time ... even though, they had all our information. One day I was curious and decided to randomly check my credit score and saw it was knocked down 155 points. I immediately called the Department of Education to find out what had happened. It's XXXX and they never thought of reaching out via phone or email. Instead, they were only sending physical mail and on top of all that they had the wrong address. My intentions aren't to bash the Department of Education/ OSLA , I just believe it's not fair for them to send a 90-120 day past due notice to collections when I never received one phone call or email that this was occurring. I'm a young kid who prides himself on doing things right and especially with something like my credit score. I really hope you guys could resolve this problem for me ... it would be greatly appreciated. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is missing that should be on the report

Complaint:
On or about XX/XX/2018, I received my car insurance renewal from XXXX XXXX in XXXX XXXX, Virginia. For the past three years my car insurance rates have increased, even though a vehicle has been dropped from the policy. Every year the XXXX XXXX XXXX attaches a letter to my policy that is entitled " Credit Adverse Action Notice ( see attachment ). '' I complained to XXXX   last year after receiving the same letter from XXXX XXXX, I never received a response. The insurance company justifies the rate increase each year by stating in the letters that " insurance scoring '' was utilized and that factors in my consumer credit report warranted me not getting the best possible insurance rate. The letter this year justifies the increase by identifying four factors in my credit report that affected my insurance score. The letter goes on to state that two separate credit models were used to determine my insurance score. XXXX  XXXX developed one credit model called " Custom '', TransUnion developed the " CreditVision '' model. My wife and I have have excellent credit, XXXX and XXXX, respectively. According to several of the major consumer credit reporting agencies we have no derogatory marks on our credit reports, but these two models found four negative factors : TransUnion Custom Lack of substantial credit history - XXXX   Recently opened auto loan account or no auto loan on report - TI TransUnion CreditVision Age is XXXX and average number of months trades on file is XXXX Aggregate credit card payment/balance ratio over last 12 months Months since oldest mortgage opened is 49 months or more. Optimu Months since most recent credit card opened is XXXX to XXXX. Optimum None of the above cited factors are contained in any of our consumer credit reports. Additionally, when did insurance companies become experts in the credit industry that they have developed a credit model that they use to increase consumer rates. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX XXXX What if

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 2018-09-05
Company: On-Site Manager, Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I'm XXXX and I'm temporary working in US. My husband and I tried to get a dream home in XXXX and our mortgage was denied due to over 30 credit hits in my credit report between XX/XX/XXXX to XX/XX/2018 by Leasing Desk. 

I was in a process of obtaining my Social Security number so I provided my XXXX XXXX number in the meantime. I undertood that when I rented my home in Arizona that one credit check would be done, however, this was not the case as several unauthorized checks were done in a short period of time lowering my XXXX credit score significantly. 

I have contacted Leasing Desk multiple times and also submitted a complaint through their website but they closed the case stating that I should contact the applicable credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I went to XXXX XXXX Hospital emergency room in XXXX California for an injury in XXXX of 2017. I was covered by Medi-Cal at the time. The hospital billed me anyways. I sent the hospital proof of insurance within 90 days and reported the billing to Medi-Cal. The XXXX office also sent proof of coverage. The hospital sold the debt and the collection agency refuses to remove the negative credit reports and bill from my record. The billing company is CMRE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: SYNCHRONY FINANCIAL
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They called over 80 times within one hour while I was at work. Amount owed was XXXX. I paid it off now. They called so much I couldn't even use my phone until i answered it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 NEED HELP CORRECTING SOME ISSUES REPORTING ON MY CREDIT REPORT

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 2017-11-07
Company: Collection Bureau of America Ltd.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I checked my credit report in XXXX 2017 and saw a debt from a collection company CBA for XXXX XXXX XXXX. I have never had a previous account with XXXX. I currently do have their water service. I sent CBA a certified letter asking them to validate the debt owed. They sent me a bill from the company. No contract with my signature or anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05
Company: JPMORGAN CHASE & CO.
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Date : XX/XX/2018 Amount : XXXX US dollars On XX/XX/2018, I took my money, XXXX US dollars, to this Chase bank locate at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Utah, XXXX. I put the money into the tube at the drive thur only wriiten down the amount on the envelope which hold all the XXXX US dollars. At a moment later I got back the tube and the receipt shown only XXXX US dollars has been deposited. I questioned the teller and he hand me a sticky note with how many of each dollar notes I gave them. As far as I know I got XXXX XXXX dollars notes, XXXX XXXX dollars notes, XXXX XXXX dollars note and XXXX XXXX dollars notes in the envelop. But on the sticky note it only showns I have XXXX XXXX dollars notes deposited. I triple check with the person who hand me the money and he was sure there is XXXX XXXX dollars notes. The teller and the manager did 2 balancing and they told me it only has XXXX cents off. I suspect the teller may had hold on to the cash and I demand watching the XXXX. The manager told me he doesn't know how can I access the footage.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05
Company: ENCORE CAPITAL GROUP INC.
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The judgement entered by the court was {$4600.00}. They have already garnished {$5100.00}. 
They continue filling new adjustments to the garnishment order with the incorrect amounts owed. They have alternated collecting on 2 separate judgements to increase interest owed and cause confusion. They have " misplaced '' money that was garnished from my wages and have no intention of correction. They refuse to provide any information on why the judgement has not been satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX, purchased my " debt '' in XX/XX/XXXX.  I NEVER received a written notice that, A i owed the debt, and B that they owned my debt in the amount of {$610.00} In XXXX my parents received phone calls stating that I owed debt and that they where liable to be sued for the debt even though they had ZERO attachment to said debt. When I called in to find out what was going on, they said either we sue or pay a balance or settle. I told them I was never informed about said " debt ''. Never received a letter stating anything even after that phone conversation. Then in XX/XX/XXXX, XXXX XXXX XXXX filed a civil lawsuit against me for the total balance of {$610.00}. I was served in XXXX of that same year.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: ALLY FINANCIAL INC.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Ally Bank ( XXXX XXXX XXXX XXXX XXXX, XXXX, UT XXXX ) denied my application for a savings account based on information from a bank history report by XXXX. 

Although banks may reject applications for checking accounts based on bounced check history or account closures this isn't the case for savings accounts. In fact, establishing a savings account is suggested as a way for unbanked people to gain the trust of major banks. 
https : //www.bankrate.com/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 2018-11-08
Company: Mr. Cooper Group Inc.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
THIS ACCOUNT WAS PAID IN FULL IN XX/XX/2017 AND MR. COOPER FILED A RESCISSION OF SATISFACTION MEANING THEY CANCELLED THE SATISFACTION. I NEED THE SATISFACTION RECORDED AND A LETTER STATING THE ACCOUNT WAS PAID IN FULL. rescission means the revocation, cancellation, or repeal of a law, order, or agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IN
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 don't understand why once again USAA XXXX XXXX XXXX ADDED the following comment BACK under my VA mortgage loan with regards to a Natural Disaster that has not happened to my residence nor area. This is once again being submitted as well to my insurance company and FEMA. 

I do not understand why additional false reporting is being done by USAA XXXX XXXX XXXX after each complaint I file to the CFPB. There is a serious issue and pattern of misconduct going on and I need answers. I need this ONCE AGAIN REMOVED from my credit report. 

Also per last complaint to the CFPB, I need all payments be reported to the credit bureaus so I can move forward with my personal bank taking over my loan to refinance since this issue seems to never be resolved per XXXX XXXX, refer to USAA XXXX XXXX XXXX taped phone conversation. 

Here goes ANOTHER CFPB complaint. 


Sincerely, XXXX XXXX Updated Account Information USAA/XXXX XXXX - Remark Added to Account Remarks are meant to make your report more clear. If you're not sure what this remark means or where it came from, you can contact your creditor or the credit bureau for more information. 
Between XX/XX/2018 and XX/XX/2018 the following remark was added to this account : Affected by natural disaster

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I've repeatedly asked them to stop calling. Someone tried to tell me I had to send it to them in writing but I explained that he keeps calling me while I'm at work. Today ( XX/XX/18 XXXX XXXX ) was the last straw when the called my work number. I've told them multiple times to stop calling me but they refused to and they keep harassing me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-15
Company: JPMORGAN CHASE & CO.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Chase bank is holding my account balance, and I would like my money back. They cancel my transactions even deposits. They closed my account and I could not use it for a week, without telling me. It took 2 hours on the phone for the representative to tell me that The Corporate commission put my account as inactive. The CSR said they do not have to tell me their reasons. I resolved the issue and started looking for another bank. 
They said there is no transaction fee for veterans. I am a veteran. The bank charges me a fee for transactions. They said they closed my account 1 month ago. As you can see from the attachment the account is locked. I can not access the online account it is locked. I get emails from them to check my balance and get my statement. As you can see from the attachment the email was a few days ago and the account is locked for over a month. If the account is locked how am I supposed to check my balance? That does not make any sense. 
A customer service representative told me the fraud department closed my account and will send me the balance of my account within XXXX business days. It has been over 20 business days and I have not received the check. I call every day and they put me back in the phone loop, argue with me, or leave me on hold for XXXX minutes. They have awful customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05
Company: CITIBANK, N.A.
State: AL
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 have had trouble with this account due to their system error that gave incorrect amount of days that my account was past due that caused me to pay over 30 days late and I also was told by one of their representatives that if I paid by XX/XX/2017 it wouldnt reflect a late payment. I have disputed with credit bureaus and have asked the company to fix this since they had a system errors. Multiple representatives have verified that they had a system error but still havent fixed this. I have been working on this since it happened on 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