BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-01
Company: PlusFour, Inc
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
on XX/XX/2020 spoke with XXXX, Refused to provide collector ID, Also called me another persons name from another account she was on while she was speaking with me, she also than proceeded to tell me that she had 3 people on the line as she verified the account info, I asked for a Verification of Debt letter, She refused to send me one, said that one had been sent, she read me the address they had on file, I advise that was not my information, she than rudely placed me on hold and transferred me to a supervisor who was ever ruder.

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 2019-05-04
Company: MARINER FINANCE, LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX I had a payment due for approximately XXXX, I normally pay online. I was locked out of my online account when trying to pay. I later logged in and scheduled two payments last one was withdrawn XXXX. Next payment is due XXXX. My account was not even 30 days late and they were calling every day while I was at work and calling my job. I never had a chance to call them back to find out why they were calling like my account was months pass due. I then got a letter in the mail dated XX/XX/XXXX demanding the full payment of the loan in 15 days and being threatened with court. I will never borrow money from this place again and my loan amount is even incorrect because they added an additional cost that I did not authorize and I request to be removed. I will be filing a complaint for abusive and illegal collection practices and collection of unauthorized charges on a loan document.

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 2021-06-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
THIS IS NOT A DUPLICATE I was helping my client verify her XXXX as she was asked my someone from XXXX the number she called was on her tv screen? her and I share XXXX so I agreed to help her assuming it was as XXXX member! As you can see on the XXXX and XXXX XXXX attempts it says verification limit for the same amount that was attempted to be taken from XXXX and XXXX, then eventually taken from XXXX from me! They did try other amounts as well! They hacked my phone by asking me to download XXXX XXXX XXXX ( which Ive also shown in the picture uploads on 4-6 ) and got into my bank account and took all my money from XXXX, which I had never used before! I have proof of calls from her phone and mine! 
Her and I have the same phone company and same bank! 
I have copies of everything that happened on XXXX. 
My client I was trying to help was also scammed on XXXX XXXX, but was given her {$800.00} back on XXXX, the same day they took mine from my bank app! 
They tried XXXX, XXXX XXXX and finally was able to access my Bank of America app and there whats where they took my {$1300.00}! 
I did not send {$1300.00} willingly to these people! {$1200.00} to be exact! 
But as I stated my client that drug me into this was given her money back! And I was not! 
I have phone records from my clients account and mine on the same day, same numbers that were the scammers! 
Later I found out my client was being threatened by these scammers to contact someone else to get her {$800.00} back, so she called me and multiple others which I also have proof of! Also I added the text from her and I that day where she was frantically asking me to answer these calls! All along she knew they were trying to scan her! But I did not! I was only trying to help her VERIFY her XXXX! 
This was not legal or right at all! This was fraud and unacceptable! Please help me get my money back! Im a single mom and 2 months behind on rent due to this. Anyone can look at my account and see this is not normal! And Ive been struggling since! These scammers took everything I had! Please reconsider my claim! Thank you! 
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 monetary relief
Consumer complaint received 2021-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Unauthorized inquiries on my XXXX And TRANSUNION consumer report. Ive filed ID theft already and they have not assisted me properly. The account number for the collection account on XXXX is XXXX. They failed to verify the information prior to adding the information to my consumer report. It is also stated on the account summary that the account is a medical bill and that is also against the 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 explanation
Consumer complaint received 2019-05-04
Company: Pressler & Pressler, LLP
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I hereby submit an answer to a lawsuit that is completely baseless. XXXX XXXX XXXX is currently defending against several class-action lawsuits nationally. The lawsuit against me is no different as the original debt in question was never legally transferred from a securitized trust, thus there was never a transfer of ownership. This continuous problem is all predicated from the 2017 Supreme Court decision XXXX XXXX XXXX XXXX XXXX XXXX. The lawsuit against me must be dismissed by the XXXX XXXX XXXX lawyers Pressler, Felt & Warshaw, LLP, a law firm that has already been penalized by the CFPB for filing abusive collection lawsuits in New York and New Jersey.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
Company: American First Finance, 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: Information belongs to someone else

Complaint:
XXXX client, XXXX XXXX is a victim of identity theft. He was notified by American Frist of a  fraudulent application submitted with his information without his consent. The application resulted in an inquiry with XXXX and XXXX XX/XX/XXXX which was not authorized. A formal dispute of this was first provided XX/XX/XXXX and again XX/XX/XXXX both were received as confirmed by the return receipt. A credit report current as of XX/XX/XXXX still has this inquiry listed. This is a violation of my clients federal consumer rights and a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
the date open on this account is being reported as XX/XX/XXXX which is incorrect. its now XX/XX/XXXX but this account is showing an updated status of XX/XX/XXXX. 
its also showing late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX was not late on any of these months but cant get reporting agency to verify that i was indeed late. the balance reporting is also inaccurate

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 2021-09-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My personal and confidential information has been compromised due to : XXXX data breach XX/XX/XXXX Vehicle Larceny XX/XX/XXXX Vehicle Larceny XX/XX/XXXX There are 4 derogatory marks on my account as a result of identity theft, fraud. 

This serves to notify the creditors of my right to dispute these fraudulent charges and subsequent negative marks under FRCA section 609 and 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18
Company: EQUIFAX, INC.
State: OH
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:
To Whom It May Concern : This is the third time I have contacted your agency regarding the following information below. I am requesting that you promptly delete these addresses and inquiries immediately. I do not believe a proper investigation was done from my file through your office. I would like to request a security freeze be on my Consumer Disclosure report. I choice to opt out of your disclosing future information until further notice. 
This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply. 

My name is XXXX XXXX XXXX S.S. XXXX Please remove all other name variations IMMEDIATELY. They are not accurate. 

MY CURRENT EMPLOYMENT INFORMATION IS : RESIDENTAIL APPRAISAL My current phone number is : XXXX XXXX The following phone numbers are not wrong please delete : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Also, my current and only address is : XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX HAVE RESIDED HERE FOR 3 YEARS ( XX/XX/XXXX-XX/XX/XXXX ) YEARS All other addresses are not accurate. Please REMOVE/DELETE this address IMMEDIATELY : XXXX XXXX   XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX   XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In my credit report item ( s ) have been reported illegally according to 15 USC 1681. The information on the credit reported by trans union, XXXX and XXXX was reported without my permission.

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 2021-09-15
Company: CBC Companies, Inc.
State: MD
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:
Innovis is reporting inaccurate and obviously unverifiable information under two accounts on my consumer report. The two accounts being reported with inaccuracies are for XXXX XXXX XXXX as the names listed on each account is " XXXX XXXX XXXX '' ... this is NOT my name. As such, Innovis is reporting inaccurate and obviously unverifiable information in connection to an alleged debt. Because inaccurate and obviously unverifiable information is being furnished, per consumer reporting law 15 USC 1681i ( 5 ) " an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04
Company: ONLINE Information Services, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I XXXX XXXX HAS NO CONTRACT WITH THIS COMPANY AND THEY PUT THIS XXXX XXXX XXXX  XXXX XX/XX/2019 ON MY ACCOUNT AND I HAVE INSURANCE AND ALWAYS HAD IT AND THIS DOES NOT SUPPOSED TO BE ON MY CREDIT FILE

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21
Company: Ditech Financial LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Good Afternoon, My name is XXXX and I am upset with Ditech Financial because of the reason ( s ) I was denied for a loan modification. I am not going to go into detail about my illness but I will say that I do not make the same salary as I did when I was not sick. At my illness progressed, I stopped working and currently rely on XXXX and rental income. I sent all the proof along with my loan modification application. 
In the denial letter it is stated that the hardship is not temporary or resolved but where in the guidelines is it stated that a hardship has to be temporary in order to obtain a loan modification? Then they say that I have exceed the amount of modifications ; XXXX XXXX guidelines state more than 3 ; I have only had 2 and that is because I was not aware of how serious my physical health was going to be affected along with my income. 
I do not ant to lose my home! PLEASE HELP 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 2020-05-01
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Hello - Hope you are staying well ... .this is a follow up to CFBP inquiry # XXXX ( both inquiry and response are attached ). The initial inquiry had two requests, only one of which was answered. 

I am requesting that Citibank confirm or deny that I have met the terms of each and every agreement with respect to the Citi AAdvantage credit card program and any promotions associated. To be clear, I am looking for clarification from Citi on the relationship between Citi and myself, and NOT involving XXXX XXXX. If there are violations, can Citi please provide examples of where I violated the agreements between Citi and myself?

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 2021-03-02
Company: CITIBANK, N.A.
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/21, I attempted to move two small ( < {$200.00} ) amounts from my CitiBank checking account to my brokerage account. These were processed on this day, but returned on XX/XX/21. CitiBank did not contact me about the transaction being returned. I only saw it later on my brokerage account transaction history. I was also charged {$25.00} for each of the ACH transactions being returned. I contacted my brokerage account and they told me that the fees were actually from CitiBank. 

On XX/XX/21, I contacted CitiBank 's customer support phone line to find out what was going on. After a few hours waiting on hold, I was told that there was a temporary hold on my account and that the " back office '' was completing a review on my account that would be completed in 24-48 hours and that they would call me back when the review was completed. 

After not having received any communication from CitiBank, I called them back on XX/XX/21. I was told again that the review would be completed in 24-48 hours ; I told them that was exactly what I heard a week ago, but they said they couldn't tell me anything further. By this time, I started having bills due that I could not pay because I could not access my funds. No one at CitiBank customer support would tell my why my account was under review or why I couldn't access my funds. Several attempts at trying to reach an agent ( after being transferred from someone else ) resulted in the calls being dropped while I waited.

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 2017-11-21
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I got a plus loan for my son while he was at XXXX XXXX. I never heard anything from it and thought it was underneath his loans. Had my loans consolidated and obviously parent loan was consolidated with that. Later found out it was with Navient Bank which I had never gotten any kind a notice from or anything. It is messed up my repayment. Help? 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: EQUIFAX, INC.
State: SC
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 writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I've had a credit card through Sam 's Club for almost 2 years. In that time, they caught fraudulent activity twice and I caught it once. I thought everything was fine until I tried to use my rewards points and was told I couldn't use them online I had to go in to the store. When I did I was told I had no rewards, so I showed a mailing I'd received that I had over {$100.00} in rewards and they informed me that their rewards system had been hacked so they put a hold on all rewards for a month. I am upset that it took 3 conversations with employees about using my rewards to find out I couldn't because the system was hacked, but I'm even more concerned about the fact that I had fraudulent activity at the same time. They are looking into the fraudulent charges and I didn't have to pay them, which is good.

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 2019-05-04
Company: EQUIFAX, INC.
State: MN
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 need to file a complaint with your office about Equifax credit reporting Agencies On XX/XX/XXXX I filed a lawsuit in court on the Above Company. for Failure to Respond to a consumer dispute with in the time allow which is 30 days per the FCRA On XX/XX/XXXX court date the Judge in XXXX County Minnesota Found the Defendant Equifax guilty of the FCRA violation! Court case # XXXX per the FCRA if any of the reporting company or such agencies failure to complete an investigation the accounts or such trade lines must be Deleted I recently reviewed my credit report with the listed company above they are still reporting all of the accounts that broke the law on from the start On XX/XX/XXXX! Also as of today they are still in violation of the FCRA. Equifax just Will not Learn But I will Tell you this Much if the Tradelines are not removed by Midnight On the date of XX/XX/XXXX I XXXX XXXX XXXX Will File Yet another suit on the above Company! I promise you people are way out if Line! CFPB you and FTC needs to do more in your roles about these reporting company this is why they Do it because you guys dont do your Jobs as well I mean you see these Violation and yet you do Nothing! But for the burden of proof I will not set around and Take Equifax or anybody else XXXX   after speaking with a Lawyer the Other Day he stated Well keep on suing them and I promise I will Equifax XX/XX/XXXX at Midnight or I will see You back in District court for a mush much larger settlement promises! 
Remove the accounts you lost your chance to report these tradeline because you failed to do your Job per the FCRA ARE YOU NOT ALLOWED TO REPORT THESE ACCOUNTS ITS NOT HARD TO UNDERSTAND! 
1 XXXX 2 XXXX 3 XXXX XXXX XXXX 4 XXXX 5 XXXX 6 XXXX 7 XXXX XXXX  8 XXXX XXXX 9 XXXX XXXX XXXX XXXX XXXX  / XXXX 10 XXXX XXXX   11 XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-18
Company: Source Receivables Management LLC
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed this debt over and over again. It is not my debt. The debt is a result of ID theft. I have already filed a report on this with the ftc. I am continuing to be affected by this debt through my credit report and it has caused me a huge financial hardship. This debt needs to be validated with my signature and a proper verification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18
Company: Ditech Financial LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have damage to my roof and my insurer has paid a claim by check. The check was made payable to Ditech and me, individually. Ditech required me to endorse the check to them and send it to them. They then took 4 weeks to return a check to me. The check they sent to me was payable to my roofer and me. My bank will not let me deposit the check unless the president of the company, who endorsed the check for the roofer, is present. 

I've asked for a new check to be sent payable to me individually since I've already paid the roofer. Ditech will not do that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation