BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 have unverified accounts on my credit report that I have asked to see signed consumer contracts with my name that the credit bureaus did not investigate properly and are showing up as collections and one charge off that is affecting my ability to obtain credit. I have unauthorized credit inquiries on my credit report that I did not authorize. I have submitted letters to all 3 credit bureaus including the company 's and dates that the inquiries where submitted. I only gave my authorization for one bank to run my credit I now have 18 inquiries on my credit report mainly from auto finance companies. NEVER AUTHORIZED ANY DEALERSHIP TO RUN MY CREDIT THAT MANY TIMES. This is devastating to my credit report. The credit bureaus have not properly investigated my letters I asked for paperwork with my signature and they did not provide it to my according the the law usc 15 609 ( A ) XXXX Collections : 1.XXXX XXXX/ account # XXXX 2. XXXX XXXX XXXX/ account # XXXX Closed Account : XXXX XXXX XXXX Account XXXX XXXX Non authorized inquiries : XXXX XXXXXXXX XXXX XXXX  XX/XX/2021 XXXX XXXX  XX/XX/2021 XXXX Closed Account : XXXX XXXX XXXX XXXX Account XXXX XXXX Collection : XXXX XXXX XXXX XXXX/Account # XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 Transunion Closed account XXXX XXXX XXXXXXXX XXXX / Account # XXXX Collections : XXXX XXXX/ Account XXXX XXXX XXXX XXXX Account # XXXX Inquiries : XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX XXXXXX/XX/2021

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 2021-07-01
Company: Ability Recovery Services, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I attended XXXX University online on or around XXXX taking classes towards my XXXX. I was informed at the time that I could withdraw from classes within 10 days per the financial aid rep/counselor. I had three classes and decided it was overwhelming due to just having a baby and was assured that this would not go against me adversely. With this misinformation my GPA dropped, started receiving emails stating that I owed over {$3000.00}. I then proceeded to settle the problem on different attempts with a letter of grievance, doctors documentation etc..

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 2021-07-01
Company: EQUIFAX, INC.
State: TN
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 have been requesting, sinceXX/XX/2021, verification of these alleged debts that you keep reporting on my credit files. However, your agency has failed to investigate & obtain, as mandated by law, proof of such debts. Yet, you have continued to report & sell erroneous information about me. Therefore, it is quite obvious that you have deliberately violated my rights in more than one way which is punishable by law. I have been requesting, sinceXX/XX/2021 verification of these alleged debts that you keep reporting on my credit files. However, your agency has failed to investigate & obtain, as mandated by law, proof of such debts. Yet, you have continued to report & sell erroneous information about me. Therefore, it is quite obvious that you have deliberately violated my rights in more than one way which is punishable by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14
Company: U.S. Collections West, Inc.
State: AZ
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
US West Collections did a hard inquiry on my credit without consent. Illegal ... .. 
Identity fraud. This agency refuses to communicate in regards to my complaint. 


US West Collections XXXX. XXXX XXXX XXXX, AZ 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 2018-07-06
Company: Ceannate
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
1. Throughout the month of XX/XX/XXXX and XX/XX/XXXX, the company called me repeatedly without even identifying themselves. When asked for their identity, they stated that they were unable to provide me with any information because they were unable to confirm my identity and/or verify my account. It is to be noted that owing to their failure to answer my questions as to the authenticity of their multiple calls and/or company, I was apprehensive about sharing my personal information, especially my social security number. 

2. On XX/XX/XXXX I received a letter from XXXX XXXX XXXX ( FMS ) dated XX/XX/XXXX alleging that I owed their client {$7800.00}. This was my first official contact with this company as they had refused to talk to me because they could not verify my identity and did not disclose who they were. 

3. I responded to their letter dated XX/XX/XXXX by certified mail on XX/XX/XXXX. Therein, I disputed the debt, dismissed it in its entirety and requested verification. You will also notice that I specifically stated that their calls were being construed as harassment. 

4. Pursuant to the FDCPA, I sent in a DEBT VALIDATION AND/OR VERIFICATION REQUEST by CERTIFIED MAIL on XX/XX/XXXX which FMS received on XX/XX/XXXX at XXXX XXXX. Despite sending in this request FMS continued to call my phone repeatedly. FMS called me on XX/XX/XXXX at XXXX XXXX and on XX/XX/XXXX8 at XXXX XXXX from telephone number XXXX. The person I spoke with during those unlawful calls stated that her name was XXXX. XXXX demanded that I provided her with my SSN or part thereof and stated blatantly that WE WILL CONTINUE TO CALL YOUR NUMBER 5. FMS, by continuing to harass me by telephone, and by reporting the debt to the XXXX XXXX XXXX after they received my request for debt validation on XX/XX/XXXX at XXXX XXXX, have violated my rights under FDCPA. You will notice that FMS continued collection activities after they received my request for debt validation. They have also listed an unverified debt of {$7800.00} on my credit report. 

6. In light of the foregoing, FMS has sent an unverified debt to the credit bureaus in violation of Federal Law. With the help of the Consumer Financial Protection Bureau, I hereby request that FMS be investigated for their practices and all damaging information be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: Tribal Lending Enterprise, Inc.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
i received a loan for XXXX they told me they would take out XXXX ever 2 week til i payed the loan off which after fee would be XXXX i made all payments and now they say i owe XXXX in interest fees i never even signed a agreement i looked it up and they dont have anything for my agreement to pay that much interest i was told it was XXXX what i would owe what can i do to get this taking care of my name is XXXX XXXX ph number 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 explanation
Consumer complaint received 2019-10-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS
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 have tried to open accounts in the past and theres some type of fraudulent activity 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 2018-03-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Issue : Potential Violation of Maryland Property Laws Section XXXX   Deed in Lieu of Foreclosure Executed Before a Default is Invalid in Maryland XXXX XXXX XXXX re-assigned the Deed of Trust in XX/XX/2017 to Bank of America N.A., ( debt collector ) and recorded it with the Land Records Circuit Court. This practice is a potential property violation in Maryland. Furthermore, I was never informed of this process and have never consented to it.

The unlawful practice of this Deed in Lieu of Foreclosure and the fact that I am not made aware of what is happening in the Land Records is an obstruction of my due process of law.

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 2022-10-04
Company: Brightfunders, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage loan was transferred from the previous lender to Lower. However, when the mortgage transfer occurred, my one-month payment was transferred as part of a bulk amount in XX/XX/2022 and Lower company never did their due diligence to apply that payment to my balance. I provided the Lower with the exact payment amount, tracking numbers, and bulk transfer number in XX/XX/2022. Nothing helped or they are not willing to work. As a result, for a few months, they kept my balance past due and even reported it as a delinquent payment to the credit bureaus. This not only hurt my credit score badly but also Lower has not even tried to fix the error despite the fact that I have contacted them multiple times to inform them of it and provided the bulk number information with transfer dates and amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-05
Company: Experian Information Solutions Inc.
State: NC
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 recently tried to check my credit report on all 3 car The information that was listed on my credit file has the incorrect birthday And addresses listed incorrectly

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 2018-02-14
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
Hello, I signed up for a Citi XXXX XXXX XXXX credit card in XX/XX/XXXX because they advertised a promotion where if you spend {$3000.00} in the first 3 months and pay it off, you get XXXX miles. They allegedly sent me the card a few time but I didn't receive it until XX/XX/XXXX. Once the card was in my hands I met all of the requirements. A few months ago, I noticed that those points still hadn't hit my account so I tried to rectify this. 

The first Citibank Representative I spoke to ( XX/XX/XXXX ) told me someone would call me back later that day after investigating my situation. No one called back. A few days later, I spent over an hour on the phone - being passed from person to person explaining and re-explaining myself. The final woman I spoke with told me that I am not seeing the points because I technically applied for the credit card 6 months prior to actually receiving it. They told me that I would get an answer in the mail within two weeks. The letter finally came ( issued XX/XX/XXXX ) and I was denied the promotion that they advertised. Giving them one more chance to redeem themselves - I decided to call again today ( XX/XX/XXXX ) and climbed to the top of the latter and spoke to a Supervisor. He told me that they didn't see the " offer '' under my account. It didn't matter what I said. 

I am extremely frustrated because I would not have signed up for this credit card had it not been for this promotion that is literally posted everywhere on the internet. This is a terrible company if they can not follow through with their promotions, deceptions and false advertisement. 

I am planning on canceling my credit card if this is not rectified in a timely manner.

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 2022-01-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
My bank account at XXXX XXXX was hacked leaving me with no money, I told XXXX XXXX they reversed the charge I had to get a new account and checking number. I called every credit card I had to update the information, XXXX & XXXX I was hit with a derogatory mark no one attempted to reach out to me then I got another missed payment in XXXX I have never missed a payment prior to this, I only found out any of this because of XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-01
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

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 2021-07-01
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I was XXXX in the Arizona Department of XXXX I was not XXXX into XX/XX/XXXX, 4 years later. When I return home I want to my Wells Fargo bank to make sure all my money was still intact and deposit in the bank. I found out that my account had been depleted by fraud using a pin number ATM access. I filed a complaint to have a resolution specialist look at my account and see if I can get the money refunded to me due to identity theft and fraud. I was denied the first time due to not having proof of XXXX. I filed a second time to reopen the case and was granited {$800.00} out of {$3700.00}. Wells Fargo is telling me that they withheld {$2700.00} of my money due to regulations E. Ive seen several documents and several videos and it clearly states that the banking laws say you can not use regulation E even if its after the 180 days of expectation due to special circumstances! When I found out my accounts were depleted four years later I had no way of knowing about it. So could you please help me get my {$2700.00} returned to my account?

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 2022-08-06
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Recently, in XXXX of XXXX I checked my credit report as I was preparing to apply for a personal loan and realized an account was showing on my report in which did not belong to me. I didn't authorize for the account to be opened in my name nor did I agree to be added as an authorized user. The account in question is with BARCLAYS BANK DELAWARE and the account number is XXXX. The credit limit is XXXX and the balance showing is for XXXX. Immediately, I contacted XXXX. I was told over the phone that I was not the primary account owner and in fact someone had added me as an authorized user. XXXX then advised me that a simple dispute would correct this situation being I was only listed as an authorized user and can not be held responsible for an account I'm not the primary account holder on. They said my information was compromised during a data breach and a lot of there customers were having this problem. The dispute was to be completed within 30 days and upon completion the account in question would be deleted off my report. Upon completion, BARCLAYS BANK DELAWARE refused to delete the account off my credit report stating all the information listed on the account was correct. XXXX then advised I reach out to the Consumer Financial Protection Bureau and file a complaint as well as an identity theft report as its clear I was a victim of identity fraud. I've done both. The account in question has dropped my score XXXX points bringing me from a XXXX score all the way down to a XXXX and needs to be deleted immediately. It is not my account.

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 2018-07-10
Company: Resurgent Capital Services L.P.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Did not receive notice to dispute debt for {$280.00}. I do not know the date. The company forwarded debt to collection agency and agency did not contact me prior to placing it on my credit nor giving me opportunity to dispute or work out a payment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31
Company: CMRE Financial Services, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX XXXX has been a thorn in my side for many, many years. Their staff & collecting agencies don't know what they are doing, how to run insurances, nor are they properly trained, and their medical practices & procedures go against common medical laws, bordering on medical negligence e.i. life threatening & damaging. It's NOT my fault they refuse to or maybe they just don't know how to run/bill the insurance properly, so I shouldn't have to pay for their wanton thoughtlessness. 
Now, I have 3 types of insurance, and XXXX XXXX has ALL OF Them on file.. XXXX, XXXX and something called Qualified Medical Beneficiary ( QMB ) Program. I will attatch those pictures of the insurances and cards with this to prove it, and it has the dates of coverage on it, so they can't lie and say I wasn't covered or they didn't know either.. But my Children 's information is none of your businesses, therefore I will XXXX them out.. 
XXXX pays about 80 % of everything, XXXX takes care of the rest, and if by some XXXX XXXX chance something else, like a co-pay, deductible, or a coinsurance is owed, XXXX takes care of that little problem. 
So, with those facts in mind, in my conclusion : There is no way on God 's Green Earth do I owe them ANYTHING, period. Now take this off of my credit report, running my credit scores down, ASAP!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I leased a car from the XXXX XXXX dealership and when my lease was up in XX/XX/XXXX, I was told by the dealership if I leased a new car that day ( XX/XX/XXXX ), they would waive the Wear and Tear fee on the vehicle I was turning in. I went home happy with a new XXXX XXXX lease and an intact credit score. 

Months later, I received a letter from XXXX XXXX XXXX ( XXXX ) saying I owe a {$620.00} Wear and Tear fee. I promptly called the dealership ( XXXX ) and was assured they would be paying the fee to XXXX and I would have nothing to worry about and I would never hear from them again. 

Another few months pass ( now it is XXXX XXXX ) and I start receiving multiple calls from the same number and finally answer, it was the Collections Agency calling because the dealership never paid the {$620.00} that they had promised me they would and consequently, XXXX sent me to Collections over it. 

I then go to the XXXX dealership and the manager of the dealership writes a check for {$620.00} and sends it to the Collections Agency ( that they should  have done months and months ago ). And everything was " settled ''. However, this caused MY credit score that I have worked so hard on, and I have never missed a payment EVER, to drop 70 points The manager of the dealership wrote a letter for me to send to XXXX  stating I was not the responsible party for this payment and it should be removed from my credit report, which I sent to the XXXX  Direct Dispute address as certified mail along with a copy of my credit report and a letter explaining the situation on XX/XX/XXXX. I have filed complaints with the 3 credit bureaus as well, but the information on my credit report remains the same.

Company response to consumer: Closed with explanation