BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-17
Company: Lendmark Financial Services
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This debt collector has called my job over 20 time. XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX are just some of the days I have written down.I have asked them and told them to stop calling my job in concerns to this matter and to call my personal number instead. Her name is XXXX and she has cures out my boss when she asked her to stop. My boss is now taking lawful action.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: Diversified Consultants, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Diversified constulants contacted my aunt with information about my debt without my permission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account status incorrect

Complaint:
IVE TIRED SEVERAL TIMES TO CALL THIS COMPANY AND THEY KEEP SAYING THEY HAVE NO INFORMATION ON ME. ALSO SENT LETTER TO SHOW THIS WAS MY ACCT BUT THEY DIDNT SEND BACK ANY VALIDATION OR VERIFICATION THAT I REQUESTED. SENT LETTER ON XX/XX/2018 STILL NO RESPONSE FROM THIS COMPANY

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: I.Q. DATA INTERNATIONAL, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I asked for Validation and the letter attached is what i received I want the actual contract that i signed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Creditor XXXX XXXX approved me for an 18 month no interest promotion for a charge that I placed on the card, I made all my payments on time and paid off the remaining balance on the due date, however the creditor did not honor the promotional agreement and has charged me the interest and has refused to correct there error after several conversation 's also XXXX improperly reported account balance to the credit bureaus for almost 2 which caused my credit score to drastically decrease and caused me the opportunity to get my home refinanced.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-15
Company: CMG MORTGAGE, INC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I applied for an FHA loan with XXXX XXXX. We corresponded via email regarding all items needed by the underwriter to approve the loan. On XX/XX/2018 at XXXX XXXX I received an email from the processor who advised that the closing department was working with the title company to get the final figures and then my closing disclosures would be sent for me to sign. I was advised to sign the documents once received because this would start my 3 day period for closing. I received my closing disclosures, signed and returned them the same day XX/XX/18. Then I woke this morning to an email from the processor with additional conditions to clear before closing. In the mortgage business I know that the closer only sends out closing documents after the underwriter has issued a clear to close. How is it possible for the Finance company to come back after the closer has sent the closing disclosures and request additional documentation? They advised me that their company has different procedures than other banks and mortgage companies. They need to be investigated. I feel they are misleading consumers and are causing me to miss a deal in which I have a binding contract with a seller.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: Conduent Incorporated
State: IN
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
On XXXX there were 2 transactions that are not mine for XXXX in the amount of XXXX and XXXX some how someone hacked my XXXX account and used this card an our bank card

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
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:
Account with XXXX never belonged to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act XXXX XXXX Account : {$3700.00} XXXX XXXX XXXX XXXX, Account : {$8700.00} XXXX XXXX : {$5000.00} Enclosed are the following : Theft Report and proof of my identity.

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 2020-05-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Information belongs to someone else

Complaint:
Bank of America Charged off but I never had a account with Bank of America. This account is due to fraud that someone else put in my name that I have no knowledge of. It was removed off of my report due to the Identity Theft but now this account just recently showed up as a charged on my credit report again. I would like this removed immediately. The amount claimed to be charged off is {$4300.00}. The date that this account is reporting to be open was XX/XX/2016

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 2020-10-10
Company: The Hallstrom Law Firm PLLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud  where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 


NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) and as well as 15 USC 1666 ( b ) the former was reporting inquiries without my permission, and the latter was truth and lending act. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: Experian Information Solutions Inc.
State: NJ
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:
There are some accounts on my credit report that I do not recognize

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 2020-11-12
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
In XXXX, I had over {$270.00} in disputes on both checking accounts. I was instructed to send documentation on of before XX/XX/XXXX so that USAA could further investigate. I sent all documentation ( uploaded through the website XXXX XX/XX/2020. One documentation was for items I did not receive from XXXX XXXX. The other document was for ALL XXXX charges. On XX/XX/XXXX, I received a document from USAA ( in my account portal ) saying I would have additional time to upload documents. I thought that maybe they misread my previous documentation, so I sent it again on XX/XX/XXXX, XXXX uploaded to the website ) On the night of XX/XX/XXXX a received notification through the portal that USAA did not receive my documentation and all provisional funds would be withdrawn. I immediately called the next morning to attempt to speak with an associate in the disputes department. While I was on hold, somehow I was placed back into the que, got another associate and that associate stated she would send a message to the disputes/fraud team. Well the next day ( today XX/XX/2020 ) I login to my account to see that my is locked and being closed. When I called to speak to a rep. I was told that the fraud department feels that I am doing unlawful banking practices. From that, I gather that they feel that I am making false statements and/or claims to get money. This is not true. I did not receive goods/services from the merchants in question. USAA also states if you are having a hard time, please let us know. Well we are in the middle of a pandemic in which I have had a household member test positive for XXXX. This is not a game for me. Locking my mother, the joint owner out is not fair at all. She had nothing to do with any of this and now she doesn't have access to her funds to even get meds. That in itself is unlawful. THe least USAA could do is unlock the account so she could have access to funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15
Company: EQUIFAX, 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:
Equifax ; XXXX and XXXX  are reporting incorrectly a collection with XXXX XXXX XXXX XXXX XXXX partial account number XXXX for {$200.00}. ( Please see pages 25 and 26 of the attached credit report. ) This collection item was deleted from my credit report however, now it has re-appeared from the same collection agency, XXXX, and they have now generated a new account number and re-aged this collection. By doing this, they are in violation of the Fair Credit Reporting Act. I have contacted the ( 3 ) bureaus to have these line items removed however, I have not been successful. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have a checking account with 5/3 BANK, XXXX Illinois XXXX. My account was briefly overdrawn - this was only able to occur because I opted in to ''overdraft protection '', a service that is offered so as to protect the account holder from being unable to cover charges drawn upon the account. Within mere days of the overdraft I received incessant calls to my smartphone, to my landline, as well as paper letters demanding I cover the overdraft. Sometimes as many as half a dozen calls a day. I had neither given 5/3 Bank my landline telephone number nor granted their representatives permission to contact me by way of this number.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08
Company: Premier Student Loan Center
State: TN
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I was called by Premiere Student Loans on XX/XX/2018. They told me that I am eligible for student loan forgiveness. They said the federal government was going to forgive 70 % of my loans on an income-based forgiveness program if I provide them with 2 of my pay stubs, told me all of the amounts that I now owe ( approximately {$10000.00} ) and started me on a payment plan for 245 months. For 5 months they will take {$230.00} from my bank account and for 240 months they will take {$40.00} on the XXXX of every month. They have my card information, social security number and changed my FSA ID password. 

Here is the contact information from the student loan advisor I talked to : XXXX XXXX Student Loan Advisor PREMIER STUDENT LOAN CENTER Direct XXXX Fax number XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27
Company: EQUIFAX, INC.
State: MI
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 has violated my federally protected XXXX  rights. I have never given the any written instruction to furnish any credit report on my behalf. Also, they are reporting nonpublic information on my XXXX report which is a violation of my privacy. XXXX XXXX XXXX 15 usc 1681 ( a ) ( 4 ) and 15 USC 1681b ( a ) ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13
Company: EOS Holdings, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX i received a letter from EOS-CCA debt collection agency stating i owed XXXX to XXXX XXXX XXXX. My subscription ran out and i did not renew it. 
Now, this debt collection agency is saying because i did not call and cancel my subscription, i have to pay this amount or they will turn it over to the credit bureau. 
I called XXXX XXXX XXXX and they said they did not turn this in for collection and that i do not owe anything. My XXXX XXXX was cut off at the end of my subscription and so i do not owe anything. Some how, seems that XXXX XXXX had to give them my information Strange thing is, the address or phone number is not the same on the internet and the letter. 
I did not get any where with the EOS-CCA collections agency. 
Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: EQUIFAX, INC.
State: MO
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 called the 3 credit bureaus after I purchased a credit report with XXXX  on XX/XX/XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE account on my personal profile, I noticed that there was erroneous account on my credit report which is misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/XXXX. I believe they have failed to authenticate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, and XXXX and hoping that this account will be corrected. XXXX XXXX XXXX : {$7400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX from XXXX calls me back to back if i ignore the phone calls. Also he calls representing USAA bank from a different company with whom i do not even have a relationship and insists on me " verifying '' my SSN with him.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
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: Credit inquiries on your report that you don't recognize

Complaint:
Inquiries on my equifax credit report that they will not remove after I complained to them that I did not authorize them to pull a hard copy, but a soft copy instead. XXXX XXXX  XXXX XXXX, XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: Linebarger Goggan Blair & Sampson LLP
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Notice of delinquent fees or fines - threatening to take legal action - dont have record of any outstanding debt other than student loans

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
Wife received a letter that wanted personal information. She called and reported it to lenders fraud dept. Never heard back. Attempted to use card - denied. Called & was referred to money laundering dept. Told since she did not respond they closed acct. In order to reopen they want my income, etc. I refused as I have had the card since XX/XX/1976 and have a XXXX FICO. I was never notified of cancellation I am the co-applicant. I am concerned that they will show the card as just " closed '' and that will affect my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
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:
It has been drawn out into the open that CREDIT BUREAUS are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that XXXX, Equifax and XXXX decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Please Block the items listed below that are unknown to me : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$3600.00} XXXX  XXXX XXXX Balance {$710.00} XXXX XXXX XXXX  XXXX Balance {$10000.00} XXXXXXXX XXXX XXXXXXXX Balance {$5800.00} XXXX XXXX XXXX XXXX Balance {$95.00} XXXX XXXX XXXX XXXX  XXXX XXXX {$0.00} XXXX XXXX XXXXX Balance {$0.00} XXXX XXXX XXXX XXXXXXXX Balance {$310.00} XXXX XXXX XXXX {$640.00} XXXX XXXX XXXX Balance {$130.00} XXXX BANK XXXX Balance {$1800.00} XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX

Company response to consumer: Closed with explanation