BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-19
Company: Deinde Online Services, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Recieved unsolicited offer containing predatory unconsienable interest rate with deceptive bi monthly payment a deceptively advertised as monthly interest rate rate = { XXXX XXXX XXXX ) Came from CEO ( XXXX XXXX XXXX ) here on XXXX XXXX visa address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX.illinois XXXX name of entity various depending onnlegal record reviewed ( in California deinde online services llc name XXXX XXXX ) also in California secretary if state records ( XXXX XXXX XXXX merged into integra credit four llc ) after recieving loan via online offer ( XXXX ) payments every 15 days ( XXXX ) dollars attempted to verify entity was licensed under ( California financial code section 21000 ( a ) it was not had Department of Business oversight issue request for substantiation of exemption ( none identified ) still waiting in official response deadline ( XX/XX/XXXX ) entity uses name integra credit four integra credit two in home state of Illinois checked mls multiple  licensing system ( Illinois ) entity is solely licensed to lend according to those records in ( kansas ) ( Tennessee ) claims to be licensed in Delaware ( uses integra credit five ) according to Delaware secretary of banking records license expired ( XXXX XXXX XXXX  ) ( page 44 of 90 ) i  could not find renewal entity lends online in new Mexico could not locate any licenses in new Mexico uses different name CEO contact is XXXX XXXX XXXX phone XXXX XXXX XXXX XXXX also lists numbers XXXX XXXX XXXX www.Integracredit.com direct number us XXXX XXXX XXXX entity uses mandatory arbitration clauses in contract extinguushed by cfpb rule spoke to company twice about amending contract rate to correct usury violation due to unlicensed status

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27
Company: Asset Management Outsourcing, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent a debt validation notices to the creditor and only receive a verification of the debt instead of a validation of the debt. As FCRA, a credit is supposed to respond with the original creditors name, address, and account number and not report to the credit bureaus nor attempt to collect until they have responded. 

However, the creditor did not send the required information and is still reporting to the credit bureaus, which is in violation of the FCRA. My next step is to contact a consumer protection attorney unless the matter is resolved here.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, Equifax and XXXX and they are still stating these are mine without properly verifying. Some of these items are more than 7 years old. Please remove the following fraudulent accounts and inquires immediately, thank you. 

Account Opened Amount XXXX  XXXX XX/XX/XXXX $ {$4000.00} XXXX/XXXX  XX/XX/XXXX {$1700.00} XXXX  XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX  XXXX XX/XX/XXXX {$540.00} XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$2800.00} XXXX XXXX XXXX XX/XX/XXXX {$800.00} XXXX XXXX  XX/XX/XXXX {$230.00} XXXX  XXXX XXXX XX/XX/XXXX {$1400.00} Hard Inquiries XXXX  XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WV
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:
XXXX XXXX XXXX contacted me in XX/XX/2018, i told them to stop calling me, i was disputing the debt. Now they call at least 7 times a day, from all different numbers. on XXXX-XXXX-18 i asked them, again, to stop calling me. The calls have only increased in number since them. They call from XXXX until XXXX, all day long.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-09
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
1. I booked a trip through XXXX XXXX on XX/XX/XXXX and paid a {$300.00} deposit via my XXXX account that is linked to my PNC checking account. The trip was to XXXX and scheduled for XX/XX/XXXX. The company is XXXX owned. 

2. On XX/XX/XXXX, I received an email from XXXX  XXXX  that the trip would be postponed until XX/XX/XXXX due to COVID 19 and I could either go on the XXXX trip, book a separate trip, or wait one year and request my money back. 

3. On XX/XX/XXXX, I received an email from XXXX XXXX indicating that the company was going into administration ( bankruptcy ) and given options on how to try to get the money back. 

4. I filed a dispute with XXXX on XX/XX/XXXX and received an email back indicating that the dispute would need to be worked out with the vendor because it was more than 180 days. I then called XXXX and was told to contact my bank, PNC 5. I called PNC and filed a dispute. I was told I would be given an opportunity to provide documentation and would receive information in the mail. I received a letter from PNC on XX/XX/XXXX rejecting the dispute. 

6. A contacted the vendor who told me to inform the bank of the XXXX XXXX XXXX to see if they would accept the dispute 7. I called PNC again, was told the money could not be refunded because the transaction was more than 60 days old, and was instructed to go to a branch. I scheduled an appointment with the branch on XX/XX/XXXX and brought my documentation. The woman at the branch called her colleagues and was told that the bank would not review my documentation and there was nothing they could do. 

8. I receive an email from XXXX XXXX providing additional information on how to make a claim through their insurance company XXXX XXXX. I submitted the claim. It was rejected on XX/XX/XXXX because I am not an XXXX or XXXX citizen. 

9. I reached out to the XXXX Administrator. There is an administration process but it only pays cents. She indicated in an email dated XX/XX/XXXX that a US Customer had success by filing with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I checked my 3 credit reports and saw inquires from auto companies. I tried to call the credit bureaus to dispute the inquires on my reports. I was told they can not dispute inquires, but to contact the companies. I wrote letters to each company that was on my report that I didn't authorized. I mailed them certified by us mail on XX/XX/XXXX and put current licences and copy of ss card. I got letters back from Capital One Auto Finance for all the different car companies that is on my credit reports as inquires. It says my Social Security Number was confirmed with all the inquires, they did not send anything I signed just a letter saying they confirmed with ssn. The letter also says if I believe its fraud and to dispute it I need to mail in several items like police report, application reference number, signed letterhead from the dealership requesting inquiry. How am I suppose to produce this info if Ive never went into a dealership to apply for a car loan. Some of these inquires date back to XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
Company: Experian Information Solutions Inc.
State: MN
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've been trying to dispute my personal information with Experian. The only option is online dispute. However, after creating an online account I'm unable to start the dispute as I keep getting the following message : " We're experiencing technical difficulties and can not access your report at this time. '' Calling the toll-free # on the screen provides no option to start the dispute. 
This has been happening for a week and there seems to be no other alternative to start the dispute. 

Please help!

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 2021-09-23
Company: National Credit Systems,Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021, I sent a letter to National Credit Systems demanding that they validate an alleged debt that they placed on my credit reports. I received a letter back from them dated XX/XX/2021 with documents that did not validate the alleged debt and proving that they own the debt. On XX/XX/2021, I sent them a follow up letter to provide me with said documents, yet they still did not provide them to me. 

Account number : XXXX*** Amount : {$420.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
USAA refused to do business with me as a result of my misconduct that was not related to USAA banking in any way. There advertising now says that they are open " TO ALL MILITARY MEMBERS WHO HAVE BEEN DISCHARGED WITH AN HONORABLE DISCHARGE '' I meet that criteria for membership however I am still blocked from USSA products. 

USAA must allow me to resume my membership as I fit their stated membership requirements and allow me to use all products that are provided to others. To not would be false advertising.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28
Company: WESTSTAR MORTGAGE CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I started a jumbo loan refinance with XXXX XXXX on XX/XX/XXXX with a promise of a quick close. The loan officer XXXX XXXX stated with everything I already had collected and available - this would be an easy loan to close! They were able to do income verification within a week and then needed to verify assets and liabilities. i submitted over 100 documents to verify all the assets and liabilities. I have not filed my XXXX tax returns - it was XXXX - but they have the previous 3 years of tax returns which should be sufficient. They had my current paycheck, my bank statements. Yet they wanted a XXXX XXXX XXXX for my XXXX for XXXX. Which I provided in the XXXX format that i provide to my CPA. I was then requested YTD for XXXX - which i provided. I was notified on XX/XX/XXXX that I am ready to close pending a marriage certificate of my name change, a signed copy of the loan refi from my husband and a investment document. I provided all three. A week went by and i kept asking when is closing, no response no return of phone calls. Another week, no response to phone calls, texts or emails. Another week goes by and then I get an email out of the blue on XX/XX/XXXX that sorry you did not provide all the documents and the loan rate lock has expired!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: Linebarger Goggan Blair & Sampson LLP
State: UT
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:
I received a debt collection notice about an old debt that was included in bankruptcy and confirmed by the State of Oregon. I did not even know that I still owe the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: Experian Information Solutions Inc.
State: IL
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: Problem with personal statement of dispute

Complaint:
XXXX and Experian reported to my credit report without the following: hippa release form with my signature, who verified it, how they verified it, how they store their data, did they get the data from the original collector, proof of statue of limitations, the collectors right to collect in my state, license registered agent or agent of service on it from collection agencies(XXXX XXXX XXXX  XXXX)   have sent several rounds of letters disputes to XXXX and Experian they have repeatedly failed to delete these unverified accounts. These unverified accounts they have on file has hurt my ability to obtain credit. Under the FCRA, these unverified accounts must be removed immediately.Attached are responses from the collection agencies showing clearly a HIPPA Violation. They should not possess my medical info unless 100% verified of everything i've repeatedly asked for.XXXX XXXX XXXX sent me a letter, and in the envelope there was a form with my signature on it with no letter head showing it came from the original furnisher. they are clearly violating my rights.Also attached documents from XXXX showing these same accounts deleted.

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 2019-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Viewed credit file through Transunion in reference to XXXX account showing charged off.  File shows last date reported: XX/XX/19 in the amount of $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 2020-12-09
Company: Consumer Adjustment Company Incorporated
State: FL
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 respectfully disputed on ( XX/XX/2020 ) for items on my credit report to be verified according to federal law though physical verification of the original signed consumer contact. The investigation has taken well over 30 days and no proof of contact have been provided to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: STATE FARM BANK, FSB
State: PA
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:
Please delete Accounts information with missed payments on XX/XX/2014.  Data in the system are not valid, then I had Tax id number only, now I have SS number My social seciurity number XXXX. 

old information destroys my credit score, please delete this information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: ALTERNATIVE DISPUTE RESOLUTIONS
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
My name is XXXX XXXX. On XX/XX/2020, I received a call from XX/XX/XXXX Call XXXX XXXX XXXX at XXXX. I answered and was given a reference number which I didn't have time to write down, or given the option to press 1. 
I pressed 1, and asked who they were and why are they calling me. I was told they are trying to reach XXXX XXXX and this was the number given to call. I explained that I have been divorced from him for over 13yrs and have only his state and town, XXXXXX/XX/XXXX She gave the rest of the address and I said yes I believe that is the address. I asked what this is about, she said they couldn't say. Only that they have been trying to reach him. I asked if this affects our children, she said no. She said they plan on paying him a visit next week. I told her I think I have a phone number but would need to look for it, and she said to call this number for Dispute Resolution XXXX XXXX XXXX, with a reference number, and give them any information that might be helpful. 
I called this number and someone named XXXX XXXX answered. I asked again for his name and address, he said this is XXXX XXXX and I don't give out my address for security reasons. I said I received a call from them, he interrupted me and said no, they don't make outbound calls. I said yes, you did, at XXXX today. He was extremely rude and said no one called me. I said ok, agree to disagree but I want you to stop calling me with any issue with my ex husband, we have been divorced for more than 13 years and I have nothing to do with him or his affairs. He said he suggests I contact my ex husband and tell him to resolve this before I am visited next week, and he couldn't say " what might happen when they come to your door ''. This upset me and I said why would anyone come here?? My ex husband is in XX/XX/XXXX, I'm in Pennsylvania. 
This XXXX XXXX person then proceeds to say " yes you're divorced but at one time you shared bank accounts, credit cards and probably many other things ", in a very rude, inappropriate tone. I said " thats inappropriate ''. He proceeds to say, loudly " nothing inappropriate about it, get your mind out of the gutter, you dirty old lady '' and hung up. 
I decided to try to call back the number that called me, the XXXX XXXX XXXX, and it said my call could not be completed as dialed. 
I believe this is a scam, many red flags. The fact he used a very fake sounding name, refused to give me the address, used threatening language and was very aggressive and rude when I questioned him.

Company response to consumer: Untimely response
Consumer complaint received 2021-01-26
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: Was not notified of investigation status or results

Complaint:
I sent a letter to TransUnion on XX/XX/2020 about unauthorized inquiries on my credit report. It has been over 60 days and I have not received a response from anyone. I feel like my dispute letter was ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 60 days these inquiries should be deleted immediately. I demand these inquiries be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so.

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 2020-10-27
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2020 Attention Equifax Fraud Department, I am demanding that you remove these fraudulent accounts that you have listed on my credit file. I am currently waiting on the outcome of a lawsuit in regards to the Equifax Data Breach this security breach resulted in millions of consumers including myself to fall victim to identity theft. My personal information was compromised and used to secure fraudulent accounts. If you refuse to remove these fraudulent accounts from my credit file, I will move forward with my lawyer and file a motion to sue your company in state or federal court. At that time, I will ask to be compensated for my time, refunded for actual damages to my credit file, as well as compensated for my mental and physical health as this fraudulent information listed on my credit file has caused me a great deal of stress. My lawyer has advised me to contact the FTC and the CFPB, which I have done and attached the documentation for permeant removal of these fraudulent accounts. 

If you refuse to remove these accounts from my credit file, I will give my lawyer the OK to file a motion against your business in 8 business days. You must provide me with debt validation documentation, by law which is legal documentation of the Section 609 of the Fair Credit Reporting Act Attached is my legal FTC report, I am also awaiting a hard copy of my police report that I have also filed. I hereby state that all information I have provided is true, to the best of my knowledge. I also confirm that the information here is both accurate and complete information. 

The following accounts should be removed from my credit as soon as possible. 
1. XXXX XXXX XXXX {$4000.00} 2.Us Department of Education {$9000.00} 3.Us Department of Education {$4300.00} 4.Us Department of Education {$10000.00} 5.All unauthorized hard inquiries

Company response to consumer: Closed with explanation