BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-28
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XXXX XX/XX/2021 America First Credit Union announced that they are changing all free checking accounts to a fee based account and forcing users to enter a branch in person to opt out. This was done without permission or even official notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: Resurgent Capital Services L.P.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
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 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are 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 some accounts. All is being investigated by the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Called Comenity Bank regarding a XXXX yearly fee for a card they administer for XXXX XXXX XXXX XXXXXXXX. I called approximately XXXX weeks before the due date ( XX/XX/23 ) to request that the card be canceled. 
I subsequently received a letter from Comenity bank stating that the XXXX XXXX XXXX XXXX XXXX had been closed. They also state in this letter that my current balance is XXXX, and you will continue to receive monthly billing statements until any balance is paid in full. 
This is an annual fee for a card that is now closed. They basically threaten to ruin my credit- listing all the credit reporting agencies as intimidation. 
Please keep in mind that I canceled the card prior to the due date on my statement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-30
Company: Siggi LLC
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Omni Financial has taken out funds by Allotment. According to the law they are not to do so since I am in the military as an XXXX member of the XXXX XXXX. They loss a lawsuit recently about the military pay act alongside other laws that makes this illegal. At this time Omni Financial is still taking out {$400.00} by allotment every month from my XXXX XXXX pay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: Convergent Resources, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX XXXX XXXX XXXX sent Convergent Outsourcing a letter for Validation of a alleged dent. They have been reporting this inaccurate information since the year of XXXX. I have sent them a second notice about the debt not being validated and I spoke to a representative from XXXX by the name of XXXX on XX/XX/XXXX who put in a dispute over the phone. Til this day the alleged debt remains and needs to be deleted from my consumer report 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 2018-05-03
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Care credit is ripping us off. Our minimum monthly payment is XXXX we pay XXXX-150.00 per month. The bill went up XXXX in interest and we haven't used the card in over a year. They refuse to work with us were struggling and when I asked if our balance would ever go down they replied you can pay it in full. So no matter what I'm paying it doesn't matter. I wish you will look into this. I don't think this is even legal.

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 monetary relief
Consumer complaint received 2018-05-03
Company: IQOR US INC
State: KS
Product: Debt collection
Sub-product: Private student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Allied Interstate calls repeatedly. Using different numbers thoughout the day. They contacted employers after being told to leave them alone multiple times. This has been ongoing since XXXX, daily including weekends.

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 2021-01-28
Company: McCarthy, Burgess & Wolff, Inc.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX SOLD DEBT TO ATTACHED, THIS ACCOUNT IS DISPUTED UNDER THE F.C.B.A. CEASE AND DESIST COLLECTION EFFORTS OR FACE LITIGATION FOR DECEPTIVE PRACTICES INFRACTIONS OR THE DODD FRANK ACT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: Experian Information Solutions Inc.
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: Old information reappears or never goes away

Complaint:
This account appears to be in violation for 2 reasons. 1 the statue of limiations is expired and number 2 I have no knowledge of this matter never have any child support or any government claim against me.

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 2018-04-02
Company: Dovenmuehle Mortgage, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am at a stalemate with my mortgage service regarding insurance money that should be paid out to me. The Loss Claims Department at Dovenmuehle is demanding over and over again that I get additional information from my insurance company that my insurance company will not provide. I currently have sent and additional {$10000.00} ( XXXX checks for just over $ XXXX each ) for endorsement and deposit into my checking account. These checks were for work that has already been completed by a liscensed contractor and the work permit has been inspected and closed by XXXX XXXX XXXX Florida. I have paid the $ XXXX out of my pocket for the completed work already, I have asked for release of the funds and I just continue to go back and forth with the same information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: CONTRACT CALLERS INC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am contacting you again in regards to a bill from XXXX  that I have already had removed from my credit report once due to the collection agency not being able to validate the date and yet again this same account ( from XXXX  ) has resurfaced by being placed on all 3 of my credit reports again claiming that I owe this debt from a collection agency called Contract Callers, Inc.I requested validation of the debt prior to this collection company putting this debt on my credit report however, I did not received that validation. Now finally this collection agency Contract Callers, INC have finally sent a copy of a bill that they say is a validation that I own and owe this debt yet the information they sent does not have my name, it has no information as to my DOB, Social Security number, etc. with what was sent this is not a validation of the debt that they claim that I owe to them. Like before I am requesting that this debt be DELETED from all three of my credit reports and not be allowed to be placed back on my reports due to the fact that not once but twice now the original creditor XXXX has not been able to provide adequate validation to prove that this account is mine yet they constantly keep reselling this debt to different collection companies who can not validate the debt yet they are placing it on my credit reports anyway thus ruining my credit as fast as I can try to restore 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 2017-09-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I OPENED CAPITAL ONE CARD IN 2011, IT IS A PREPAID ACCOUNT. I GAVE THEM UP FRONT {$300.00}, IN EXCHANGE FOR XXXX CREDIT LIMIT CREDIT CARD. AFTER XXXX XXXX, I MADE A PAYMENT ONLINE THAT WAS NOT PAID BY BANK. WHICH CAUSED MY CARD TO GO OVER LIMIT BY {$300.00}. TODAY I CALLED TO MAKE A PAYMENT AND WAS TOLD CARD WAS CLOSED. I REQUESTED THAT THE {$300.00} DEPOSIT GET APPLIED SO I COULD PAY THE ADDITIONAL AMOUNT OWED. I WAS TOLD I ONLY PUT UP A {$50.00} DEPOSIT AND IT HAD BEEN APPLIED. 

I ASK TO SPEAK WITH A REPRESENTATIVE IN MANAGEMENT, AND WAS PUT ON HOLD FOR AN HOUR. PLEASE HELP SO I DO N'T GET XXXX OUT OF MY {$300.00} DEPOSIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
Company: The Outsource Group, Inc
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2019-03-04
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: Account information incorrect

Complaint:
XXXX XXXX is on my two other credit reports as charge off which is Transunion and a XXXX. The only report that is correct is XXXX. This was my daughter cat and she was on the car as co-signer. I never had the car and have inform the other two companys XXXX and XXXX. They did a charge off because of what I said on the phone they had me and my daughter upside down in this loan. I never knew that my daughter was late until she told me on phone. When I talk with them they wasnt willing to do anything so my daughter told them to come get the car and car was sold with no money being old because the extra money that they had on the loan would have had us paying a lot more than the car was worth. Im so tied of dealing with fraud and other companies trying to take advantage. I would like it removed or state XXXX balance on XXXX and Transunion report because it hurting me and this all happen due to someone fraudulent information on my 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 2019-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 recently disputed some errors on my credit report with XXXX and XXXX. I did so via postal-mail in a letter that I mailed to them on XX/XX/XXXX. I was supposed to get a reply within 30 days. To date, I have received no responses.

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 2022-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-02-06
Company: Shellpoint Partners, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Please see certified letter dated XX/XX/XXXX. ( enclosed ) After sending my certified letter, I received a mortgage interest statement. ( enclosed ). 

I also enclosed a copy of my XX/XX/XXXX Chapter XXXX bankruptcy for this home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: EQUIFAX, INC.
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: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last complaint sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The inquiry listed below is still reporting on my Credit Reports : XXXXDate of Inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: EQUIFAX, INC.
State: GA
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX, Account name : XXXX XXXX Bank, Account name : XXXXXXXX XXXX Account name : XXXX XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
Company: Experian Information Solutions Inc.
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: Personal information incorrect

Complaint:
These are errors:Addresses:XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NV XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, NV XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, NV XXXXTelephone numbers: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 2019-03-04
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was looking to purchase XXXX Obama tickets online from XXXX. The event was on Thursday XX/XX/2019 I contacted the seller ( in this listing - https : XXXX ), who said his name was XXXX on Monday XX/XX/2019. 

I communicated through text ( text thread is attached : XXXX - XXXX ) and twice over the phone with the seller and the agreement was that I would purchase XXXX tickets for {$650.00}. The seller asked to use XXXX XXXX instead of meeting up in person, and asked to be paid through XXXX. The seller also mentioned they used XXXX as their main bank. 

On the evening of Tuesday, XX/XX/2019 the seller received my payment through XXXX but did not send the tickets through XXXX XXXX. I repeatedly called the seller and sent a screenshot of my XXXX account ( XXXX ). I did not receive a text, or phone call or any other communications from the seller from that point. 

I am confident that this seller is defrauding users using XXXX because coincidentally, I had a friend who was in contact with this same seller. They communicated through text message and over the phone as well. On the craigslist listing, the seller claimed to have 4 tickets for sale. The evening of XX/XX/2019 around XXXX I sent my payment of {$650.00} ( for 3 of the supposed 4 tickets on sale ) through XXXX. My friend who was in contact with the seller did not send them any money, but inquired about purchasing all 4 tickets around XXXX Wednesday XX/XX/2019. The seller agreed to sell my friend all 4 tickets even though the seller had received my payment for XXXX of those tickets ( XXXX, XXXX, XXXX ). 

The next day, Wednesday XX/XX/2019, I visited the Chase branch on XXXX XXXX XXXX, XXXX, TX. I spoke with a representative and explained the situation and they said they would make an attempt to reverse the transaction and would let me know the result of their findings. On Saturday XX/XX/2019 I filed a police report with the city of XXXX ( Report. No : XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: CONTRACT CALLERS INC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am using a third party service to monitor my credit bureau files. Imagine my shock when they notified me that a negative entry had been placed on my file. XXXX XXXX accepted a file from Contract Callers Inc. that they were collecting {$150.00} for XXXX XXXX. 

I spoke with XXXX XXXX whom I am a current customer with in good standing. they informed me that they have not sent any collection account information to Contract Callers Inc. to collect from me but did admit they use CCI which they assumed is one and the same. 

When I called the company they refused to give me any information because I refused to give them my SSN over the phone. Not knowing who they are and they have personal information about me already causes me great distress and concern. 

I would like this company held responsible for their actions which clearly violates several state and Federal laws.

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 2022-03-14
Company: Village Capital & Investment LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
After 4 days, multiple calls, hanging on hold for over 59 minutes to one hour, texting, and having a third party verification ( XXXX ) they DID NOT RESPOND! ALL THE WHILE EXPERIENCING GEAVT CALL VOLUME REGARDLESS OF DATE OR TIME. THIS CRITICALLY IMPACTING MY REFINANCE. EVEN REACHING OUT TO THEIR MTG DEPARTMENT FAILED.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Experian refuses to allow me to place a freeze on my credit report using the online or phone system. They want me to mail all sorts of personal information to them through US mail in order to do this. This sounds completely ridiculous. Someone has tried to open a credit card in my name and I'm just trying to protect myself as the law permits.

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