BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-23
Company: Unity Asset Management
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
A man calling himself XXXX XXXX from Unity Assets called me saying that his client XXXX   XXXX ' XXXX  was going to file a judgement against me if I did not take immediate action. He made it seem as though he was the company 's lawyer and tried to get me to make a payment over the phone. He sadi the debt had been in collections and since I hadn't paid it they were filing a judgment. He put me on hold for several minutes to " ask his client about payment options. '' He had the last 4 of my social and my place of employment. the debt is legitimate, however as far as I know they've never sold it to collections. I told him I didn't feel comfortable making payments over the phone without seeing the payment agreement first he insisted I had to make a payment right then and that I couldn't possibly get the paperwork until I had done so. I told him I needed to think about it an hung up. I looked up the company he claimed to work for and found that they were not a real company and certainly not lawyers and that the phone number they used to call me was fake. The number he told me to call back did not connect to any company at all ( XXXX ). I believe he was attempting to scam me out of my money and not in any way actually affiliated with XXXX I don't know how he got my information but it's frightening. He won't stop calling and has even called my place of employment. It's beginning to feel like harassment.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The dates include : XX/XX/2023 to Current. The previous amount is XXXX. No action has been taken by the company other than their willful intent to defraud and operate in dishonor. On XX/XX/XXXX, I received shows the company incompetence of the law. They continue to return all of my request and legal presentments. I have attempted to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: Specialized Loan Servicing Holdings LLC
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: Their investigation did not fix an error on your report

Complaint:
Went through mortgage loan modification and made all payments on time. New loan servicer incorrectly reported to credit bureaus that we were past due 180 days in XX/XX/2018 when the loan was transferred to Specialized Loan Servicing ( SLS ) XX/XX/2018. We made requested payments and modification was completed XX/XX/2018. Now our credit history shows we were late with 2 mortgages-XXXX XXXX and SLS, even though we paid as agreed to new loan servicer SLS. This negative information has prevented and is still preventing me from my ability to conduct commerce. I have disputed this with all 3 credit reporting agencies and SLS and have had no success in correcting this information. SLS has violated FCRA by not informing us of this negative credit history so that we may have disputed it back in XX/XX/2018 when they started reporting 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 2023-07-13
Company: Amsher Collection Services, Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2023 I received a an alert from my credit monitoring service that Amsher Collections Inc., reported a collections to all three credit bureaus. I had no knowledge of the alleged debt. I called the phone number listed on my credit report that was associated with Amsher Collections Inc., and spoke with XXXX of their representatives. I informed her that I had no knowledge of this alleged debt and that no correspondence was received. The representative stated that correspondence should have been sent, but can't state for certain. Amsher Collections Inc, is in violation of FDCPA 1006.34. I received no correspondence to allow me the 30 days to dispute this alleged debt. I'm requesting that Amsher Collections Inc., remove this negative reporting and provide documentation of ownership of this alleged debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
To Whom It May Concern, According to USC 6827 Department of educationXXXX XXXX has violated my rights ( 1 ) Customer The term customer means, with respect to a financial institution, any person ( or authorized representative of a person ) to whom the financial institution provides a product or service, including that of acting as a fiduciary. 

( 2 ) Customer information of a financial institution The term customer information of a financial institution means any information maintained by or for a financial institution which is derived from the relationship between the financial institution and a customer of the financial institution and is identified with the customer. 

( 3 ) Document The term document means any information in any form.

( 4 ) Financial institution ( A ) In general The term financial institution means any institution engaged in the business of providing financial services to customers who maintain a credit, deposit, trust, or other financial account or relationship with the institution. 

( B ) Certain financial institutions specifically included The term financial institution includes any depository institution ( as defined in section 461 ( b ) ( 1 ) ( A ) of title 12 ), any broker or dealer, any investment adviser or investment company, any insurance company, any loan or finance company, any credit card issuer or operator of a credit card system, and any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis ( as defined in section 1681a ( p ) of this title ).

( C ) Securities institutions For purposes of subparagraph ( B ) ( i ) the terms broker and dealer have the same meanings as given in section 78c of this title ; ( ii ) the term investment adviser has the same meaning as given in section 80b2 ( a ) ( 11 ) of this title; and ( iii ) the term investment company has the same meaning as given in section 80a3 of this title. 
( D ) Certain persons and entities specifically excluded The term financial institution does not include any person or entity with respect to any financial activity that is subject to the jurisdiction of the Commodity Futures Trading Commission under the Commodity Exchange Act [ 7 U.S.C. 1 et seq. ] and does not include the XXXX XXXX XXXX XXXX or any entity chartered and operating under the Farm Credit Act of 1971 [ 12 U.S.C. 2001 et seq. ]. 

( E ) Further definition by regulation The Federal Trade Commission, after consultation with Federal banking agencies and the Securities and Exchange Commission, may prescribe regulations clarifying or describing the types of institutions which shall be treated as financial institutions for purposes of this subchapter.

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 2020-12-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A credit card was fraudulently opened in my name around XX/XX/2016 and charged up to XXXX. I was not made aware until I checked my XX/XX/XXXX credit report due to the credit breach. I notified the current account owner XXXX XXXX XXXX  XXXX. who received my police report and agreed to delete the account from my credit profiles. The account was later sold to Portfolio Recovery Associates, LLC who then began re-reporting the account. I have been harassed for over two years by this company who keeps giving me conflicting information. Due to my information being apart of the data breach XXXX has recently removed the collection but Portfolio Recovery is still reporting to the other bureaus and refuse to remove all account history no matter what. I would like this to be resolved before I am forced to proceed with legal action due to the negative affect this has caused in my home purchasing process.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
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: Their investigation did not fix an error on your report

Complaint:
I have disputed with both XXXX and TransUnion regarding 2 late payments on an account with XXXX XXXX. XXXX XXXX is reporting late payments in XX/XX/XXXX & XX/XX/XXXX. As you can see from my credit report I have had all on time payments. I am disputing these late payments as I have bank statements showing proof that I made my payments on time. I have contacted XXXX XXXX and attempted to speak to someone who was rude. I have also sent a letter to XXXX XXXX with copies of my bank statement showing that I made my payments on time. However, I received a letter back from XXXX XXXX stating that they verified it as correctly. I then disputed with XXXX and TransUnion to once again have my request ignored, it came back verified. How can XXXX XXXX say I was late when I clearly made my payments on time? This is severely crippling my credit when this is not my fault. 
I have provided proof that the payments were made on time. Where is their proof that the payments were not made on time. It's not the responsibility of the consumer to prove the inaccuracy being reported, its the creditors responsibility to prove that it is inaccurate. I want XXXX XXXX to send bank transactions of my posted payments reflecting when my payment was made.

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 2022-12-10
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: SYNCHRONY FINANCIAL
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: Account status incorrect

Complaint:
In accurate information on my created report showing as delinquent, not enough available credit on revolving accounts, exe

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 2017-12-21
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I fell on financial harship they closed my account, then it was opened up again. Now they said I told them to close it and I got the behind payments caught up and tried XXXX time to get it open. Now, I am going through you guys to get my card opened back up again. Usaa has not been veteran friendly, if you fall on financial hardship. I told them what was going on numerous times and it still didnt help me out.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: PNC Bank N.A.
State: MI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
XX/XX/XXXX - I received a security alert from my bank that I added a recipient to my online bill pay and if I hadnt to call immediately. The notice was sent after the dept I was to call had closed for the day. ( I had not then, nor had I ever used online bill pay. ) I deleted the recipient which was my own credit card - but I never added it. 
XX/XX/XXXX - I received a security alert again and did speak to customer service.. I was advised that since it was my own credit card that had been added to not worry. I deleted it from bill pay again. 
XX/XX/XXXX - I received a 3rd security alert about the same issue. I told the person I spoke with that I had never used online bill pay and could they just eliminate it from my account so I wouldnt receive any additional security messages. 
XX/XX/XXXX - I spoke with someone who said she removed it XXXX online bill pay ) and ever since then I have been unable to have access to my Virtual Wallet Acct or my credit card in online banking. I cant view any credit card transactions or Virtual Wallet account transactions. When I click on the hyperlink for those Acct it takes me to a screen to enroll in online bill pay, but not my accounts. 
I have been sent to various departments since that time to resolve this. I have spoken to credit cards several times to get my recent transactions. I have spoken to online bill pay dept, online banking, escalation and the list goes on. I have been advised that a rep I spoke with was re-enrolling me in online bill pay and that should resolve things in 2 days. I was advised to re-enroll myself ( which I did ). 
No one seems to know what they are talking about. This is an issue that began on XX/XX/XXXX when I received a security notice that I should have never received about an action that I had never taken, and as of ... .. 
XX/XX/XXXX when I can report that I still do not have access to my Virtual Wallet or credit card in online banking. 
To say that I am frustrated is an understatement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: Experian Information Solutions Inc.
State: NV
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 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 2019-08-13
Company: EQUIFAX, INC.
State: NV
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: EQUIFAX, INC.
State: NV
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:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have filed disputes with all XXXX credit bureaus. The last time I disputed the results were sold to XXXX. 
XXXX accounts with XXXX with the acct. number XXXX XXXX account with OK STUDENT LOAN AUTHORITY w/account number XXXX as a paid collection which is also reporting 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 2023-10-20
Company: Sterling Credit Corp.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Untimely response
Consumer complaint received 2018-04-19
Company: Pinnacle Credit Services, LLC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
PINNACLE is reporting on my credit file ..I was reading on your website about my rights and what i can ask the company to provide me if they felt i owed them money ..I never even knew they were on my report and never recieved notice about it .Until it is stopping me from purchasing my home .I asked them to send me information in regards to oweing the collection agency and contract i signed with them but they only send a few statements im comfused and its looks like old account but shows likes its recent its not even reporting right I ask them to validate they send me letters asking to pay and call me to pay but never send what i need I dont think they can do this to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: Netspend Corporation
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I purchased a net spend card putting XXXX on it to be told I cant register it that my money would be send my by check. I had a net spend card in the past that was stolen and used which I never got the money back on they just closed my XXXX taking my money.

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 2021-07-15
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX and I do not have a contract with ARS plus they did not provide me with the original application like I asked. i demand these account be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted and may have got into the hands of the wrong person. 
Account No : XXXX Amount Disputed : {$550.00}

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 2022-04-02
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 is missing that should be on the report

Complaint:
I got a copy of my consumer report and I was so XXXX when I saw what Equifax did to my XXXX XXXX XXXX XXXX, that was in good standing every since I had it. 
The account number is XXXX They had no authority to do this and cause my score to drop XXXX points. This is so unacceptable in every way imaginable.

Company response to consumer: Closed with explanation