BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-04
Company: CCS Financial Services, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Did not sent information to validate debt, Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27
Company: EQUIFAX, 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:
Equifax was unable to help me with my concern so I decided to get in touch with you.. The accounts are not mine and shouldn't be reported on my credit file. They simply provide me with a computer generated document is no enough proof that the accounts belong to me. I escalate this case to you CFPB in order that you remove the following accounts XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-30
Company: Phoenix Financial Services LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company called me one day 1 minute apart I have the phone record on my phone I am at work and I know this is not legal - phone number is XXXX - XXXX calling from Phoenix Financial Services - I want this stopped its harrassment to call me that frequently especially when I am at work. They need to drop the  collections and remove the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06
Company: NAVY FEDERAL CREDIT UNION
State: TN
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 IDENITY THEFT. I SENT IN THE ID THEFT AFFIDAVIT AND POLICE REPORT AS I WAS INSTRUCTED WHEN I CONSULTED THE FTC. IT HAS BEEN OVER 2 MONTHS AND XXXX CONTINUES TO REPORT THESE FRAUDULENT ACCOUNTS IN VIOLATION TO THE FCRA LAWS. I WOULD LOVE FOR XXXX  TO COMPLY AND CEASE TO REPORT ACCOUNTS ON MY PROFILE THAT WERE OPEN BY THE THEFT AND NOT ME.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06
Company: ALLY FINANCIAL INC.
State: VA
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 went to a car dealership to test-drive, not to buy. I told them what my budget was and that I would not purchase that day. The date was XX/XX/2019. The involved company ran several financing options and it created multiple hard inquiries on my XXXX, XXXX and other credit reports in which I did not consent to.

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 2017-09-08
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:
I am a victim of Equifax 's security breach. I now have to spend money to protect myself and my credit because of Equifax 's negligence - specifically to freeze my credit until I can determine the extent to which Equifax has allowed my information to be disseminated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06
Company: MoneyLion Inc.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
MoneyLion told the CFPB on XX/XX/XXXX that they would issue the bonus amount of {$400.00} within 7-10 business days. As of today, XX/XX/XXXX, they have not paid the bonus. They lied to the CFPB complaint # XXXX stating they would pay this bonus within 7-10 business days ( they should've paid no later than XX/XX/XXXX ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
TRANS UNION said they could not find my credit file due to they need more identification proof in the form of social security id, paystub, utility bill, and XXXX to complete investigation. I will attach a copy of the identification proof in this complaint.

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 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Despite the multiple previous written requests, the unverified this item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly UPDATE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA.

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please update this account, or inaccurate information, from my file immediately & send me the results to the address listed... 

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 2021-07-13
Company: AES/PHEAA
State: CA
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 am enrolled in the Public Student Loan Forgiveness program ( PSLF ). In XX/XX/2021, I submitted a paper ECF because my employer was not listed in the PSLF tool. It is a state agency. On XX/XX/2021, I sent in another ECF using the PSLF tool because my employer was now listed in the tool. The months of XXXX and XX/XX/2021 were certified within a week ( with the same employer! ). The months of XXXX and XX/XX/2021 are not certified because they were sent via paper application. I have 118 payments qualified for forgiveness and 123 in total. The delay in the XXXX and XX/XX/2021 certifications are causing a delay in my forgiveness. 

During the time it has taken for Fedloan and FSA to review my certifications, I have reached two additional payments eligible for certification. I am frustrated and concerned about a delay in my forgiveness due to a bureaucratic and illogical delay in my certification. My concern is increased with the forbearance due to Covid-19 being up in XXXX and with the news that PHEAA will end its service contract in XX/XX/2021. 

Please provide assistance in expediting my matter. I already have a FSA complaint and they have not assisted me in a timely fashion. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 tried several times of the past few days to reason with this company, & they flat out refused to help by correcting. I brought to theyre attention that there are inquiries that I dont recognize on my report & there is absolutely no action being taken. 
These are the following inquires : XXXXXXXX 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 2021-07-01
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:
These accounts are not mine and I do not know them. I am victim of identity theft. This is ridiculous because I have them and they are killing my score and my income. I would like you to remove it forever from my account. 
Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: FlexShopper, Inc
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
This complaint is in regard to intentional deception and fraud activity by XXXX XXXX XXXX, XXXX XXXX XXXX, NY. XXXX adopted the policy of deceiving and giving false information to the costumers to open credit line with XXXX, while contracting with another debt collector company with 25 % extra hiding fee. 
On early morning of XX/XX/XXXX I went to XXXX to buy 1 front passenger tire due to bad alignment. When the sales person insisted they have special promotion for 4 tires, eventhough I have replaced them in XXXX. He broke down the number with coupon and added unnecessary items every couple of minutes. During this time I asked about the price he told me more than {$1000.00}, and again he insisted XXXX has it's own plan & I will pay within a year, As it shows on the statement I was going to pay cash, but he asked for my credit /debit card information and business checking information and all the details and put me on the phone with XXXX Credit card center. He got access to my phone to downloads the XXXX App to use it for future payments. He also told me I will receive the statement in 90 days. After almost 6 hours in the store I got the car back. I tried to log into the App within a week for payment without any success. since I haven't received any statement to pay the balance I called the store couple of times to talk to the sale person but he wasn't there. ( I found out he left the company permanently ). I believed XXXX charged my XXXX Card, since I did not received any XXXX credit card. On my XX/XX/XXXX XXXX account statement I noticed weekly withdrawal of {$39.00} from my business account by XXXX XXXX as early as XX/XX/XXXX for over {$1000.00}, and since the balance was less than {$3000.00} I was charged with late fees {$18.00} for several months. Since I didn't recognized the charges I asked the bank to put hold on the payment. Per Bank policy I called XXXX XXXX when I was told they are collection agency for XXXX Tire! and they are charging me 25 % fees. Eventhough there was not any issue of late/ unavailable fund. Since then I'm getting numerous threating text massages as well as phone calls that XXXX XXXX is going to seize their property ( tires )! I have never been informed that I have leased the tires, neither knew the XXXX XXXX. This case damaged my credit report and my business reputation.

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 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2017-09-08
Company: EQUIFAX, INC.
State: CA
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:
I became aware of the data breach at Equifax on XXXX XXXX, 2017. The data breach occurred between XX/XX/XXXX and XX/XX/XXXX, and they just released the info to the public. I have since put a 90 day fraud alert on my file and checked my credit report to make sure everything is the way it should be. Equifax allowing hackers to have access to my information ( along with the information of over 100 million others ) for months is incredibly irresponsible and reckless.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: EQUIFAX, INC.
State: OR
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: Problem canceling credit monitoring or identify theft protection service

Complaint:
My house was burglarized on XX/XX/2021. All my information was stolen. Tax information, Birth Certificate, Banking information ( XXXX ) and 401k Retirement and Pension accounts, SocSec numbers. User log ins and passwords compromised for all accounts. Everything, including title to car which was then stolen on XX/XX/XXXX. XXXX Co Sheriff Case # available. I have received information from XXXX XXXX of a fraudulent account opened online in my name as well as an account with XXXX. I have reported these by phone and in person follow up with both. Also reported these fraud accounts identify theft to XXXX Co Sheriff Dept ( additional case # ). Credit freeze was done on XX/XX/XXXX with Equifax, XXXX, XXXX  by phone menu tree. Unsure if they have noted fraud in their record? Phone tree was painful and there seems to be no way to actually talk to anyone. In fact they jumped to trying to sell me something. 
XXXX asked if I had an FTC Complaint #? Not sure what this is so went to www.consumer.ftc.gov/features/scam-alerts which jumped me to this after question prompts. Will I get a #??

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
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:
Consumer reporting agency is violating the FCRA and FDCPA in the reporting of inaccurate, invalidated, paid or wrongful debt. Consumer notified consumer reporting agency previously of error and they responded stating debt is valid and/or accurate. Consumer reporting agency is in violation of my FCRA states I have a right to privacy. The reporting agency is violating my Privacy with sharing inaccurate and deceptive information without consumer consent. 15 USC 1681a Exclusions states a consumer report CAN NOT contain transaction or experiences between person reporting and consumer.15 USC 1681b Permissible Purposes, consumer reporting agency may furnish report only by written instructions of consumer. 15 USC 1681e consumer reporting agency isn't in compliance with accurate reporting. 15 USC 1666b may not treat a payment late for any reason.

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 2018-12-19
Company: AES/PHEAA
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I applied for, and received, a forbearance due to temporary financial hardship on 2 of my loans currently being serviced by American Education Services between XX/XX/XXXX and XX/XX/XXXX. These were both private loans owned by XXXX, and guaranteed by XXXX. The first loan ( 1 XXXX ) was disbursed on XX/XX/XXXX at a 5.1 % interest rate for {$35000.00} with a repayment term of 133 months. The second loan ( 2 XXXX ) was disbursed on XX/XX/XXXX at a 4.85 % interest rate for {$16000.00} with a repayment term of 133 months ). 

When the forbearance ended, the payment date was moved 3 days forward, from the XX/XX/XXXX of the month to the XX/XX/XXXX of the month. There was no reason given, nor could any of the employees I talked with explain why it was done. I am typically paid on the XX/XX/XXXX of  the month, and I called and requested to change the date back to the original day, the XX/XX/XXXX, as I would not be able to pay on the XX/XX/XXXX day of the month. To be safe, my direct debit was suspended, and I was assured that no late fees would appear nor would there by any report on my credit as long as I did pay the amount due by the XX/XX/XXXX of the month. 

I called on the XX/XX/XXXX and was told the change would be processed in 7-10 business days. I called back several days later and was then told that changing the date would actually take 1-2 billing cycles. I was again reassured that no late fees and no credit reporting would occur as long as I paid the requested amount by the XX/XX/XXXX. I paid  the amount due on XX/XX/2018 on XX/XX/2018. I was paid a day early because the XX/XX/XXXX was a Friday and paychecks are disbursed a day early so they are not held over weekends. 

On XX/XX/XXXX, I received a letter in my account inbox online stating my date change request could not be accommodated since my account was delinquent. I checked my online account, which stated my account was current, there was {$0.00} due, and that I had, in fact, paid ahead. 

Since I can not pay on the current due date, and it may take 1-2 billing cycles to change the due date, my account will always be delinquent ; therefore, I can never receive a change on the due date in order to pay on time. Additionally, I have been given wrong or contradictory information at each step of the process, culminating in my account being shown as current and " paid ahead '' while at the same time receiving official notification that it is in delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I noticed my daughteres savings account went from approx 15k to XXXX within 6 months or so and my statements were being mailed to another address not in the city the account was opened in. I went to the bank and called fraud department to facilitate/resolve as well as called the fraud department who noted and advised me to visit the brick and mortar to no avail for over a year now despite the fact that i provided police reports ect. I just kept getting the run around/miscommunication & told it was me who committed the fraud from a so called reputable bank that prides itself on integrity. 
Each meeting/called was only to delay the time so they could continue to deny replacement of the funds stolen by the offender. I provided the name of the offender/hacker as well with supporting documents such as police reports ; which where disgarded leaving my daughter'e saving depleted and now and overdrawn balance that has been referred to creditors harassing me. I just stopped utilizing the accounts ans was told by the US Bank branch manager that i would not be charged nor account closed because it was fraud related, which was not true & created debt and unwarranted negative reports on my credit. 
I then tried to go to two other branches who acted but then i referred back the branch that i initially opened my daughters accounts. They said that if they wanted to refund my monies they were the only ones that could. So i was left with nothing once again/hopeless/ I then reach out to the regional mananger who acted as if they were concern only to cahoot with the branch manager. i also ask did they need me to send police reports etc. but they had no interest and told me to do what i had to do. 

Overall, my daughter college savings has suffered and now we are in debt owing the banking institution we trusted. Causing us to see assistance via your portal.

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