BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-25
Company: Maury Cobb, Attorney at Law, LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The Law Office of Maury Cobb has been repeatedly calling my phone number throughout the day beginning first thing in the morning everyday for the passed 2 weeks. This complaint comes to you pursuant to the Telephone Consumer Protection Act and the Fair Credit Reporting Act. This Law Firm is repeatedly calling my home, failing to say who they are and what they want. I am unaware as to what they could possibly want with me, but I want the harassment. This aggressive pressure needs to stop. 

I am afraid that this collection agency might attempt to place derogatory information on my credit reports. As a XXXX ... and due to the impact of Covid 19 I do not need any extra added unnecessary pressure to my life while trying to serve others. Which is why I pray that you can offer some relief with this matter. 

I have not received any written notices from this law firm regarding any alleged debt that they might be attempting to collect on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 XXXX XXXX XXXX  from 2012 to the present of theft and fraud of people using my personal finance info to obtain mortgages. 

XXXX XXXX XXXX of the same people with fraudulent issuance of mortgages on my behalf. 

XXXX XXXX XXXX which is XXXX XXXX now - same fraud and identity theft and fraudulent mortgages. 

XXXX XXXX XXXX  XXXX - same fraud application for mortgages on my behalf. 

XXXX XXXX  - same fraud mortgages XXXX XXXX XXXX XXXX - same fraudulent mortgages on my name and info. 

XXXX XXXX XXXX - same fraud mortgages on my name.

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 2018-08-15
Company: Premier Student Loan Center
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I received a call from premier student loans center asking me about my student loans, I tried to verify who they were to make sure it was not a scam, but both the initial woman that called me from XXXX was defensive and aggressive asking, " do you want to see if you qualify for loan forgiveness or not! '' She transferred me to : XXXX XXXX XXXX XXXX PREMIER STUDENT LOAN CENTER Direct ( XXXX ) XXXX XXXX www.premierstudentloancenter.com XXXX XXXX XXXX XXXX XXXX When I asked for a call back number to verify who he was and the company he worked for he too became defensive and aggressive, saying I was offending him and how would I feel if I were in his shoes accusing him of being a scammer. I don't know if this company is a scam or not, but when he claimed I was waisting his time, I asked to be transfer to someone else and he stated that he couldn't transfer me and I could only deal with him, and if I choose to try again next year for student loan consolidations I would have to call him back. He sent me some emails and went through a process of trying to get me to sign up to give payments thorough his company. The entire time I felt he was aggressive and pushy, I didn't feel comfortable at all, he used President Trump as ammunition for pressuring me into following through with a payment plan with his company. He also said his company worked for the government, but they were not considered government employees. If this is a legit company then they should be required to answer all reasonable questions about the company they work for and adjust their customer service. 

If they are not a legit company then something should be done the name and information above is the information that was emailed to me along with links to government websites.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I have tried calling XXXX, Experian, and XXXX explaining that information is wrong and to fix that they are not reporting the correct information. As I have sent letters asking to verify and fix errors and have not gotten anything fixing 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 2020-05-23
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 recently obtained a copy of my credit report and these accounts are NOT mine.Please investigate and remove these fraudulent accounts from my credit report. Please send an updated copy of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
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:
Kohls/Cap One is reporting me late for XX/XX/20 and I would like it removed. Due to the unforseen events with the Covid 19 pandemic I had an extremely hard time when things began to unfold. My employer ended up losing a lot of work therefore my hours were cut. I am usually very diligent about paying my dues, but this was a difficult time. I ask that Kohls make a goodwill adjustment to have this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04
Company: EOS Holdings, Inc.
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:
Someone opened a XXXX account under my name from an address I was no longer living at. I had reached out to XXXX to dispute the debt and was told a technician did some work outside the home and all calls were rerouted to a number I never had. XXXX rep had informed me that they will remove the charges then. The first debt collector called and threatened to have me arrested. I submitted a complaint on them with FTC.gov. Now I have another debt collector for the same issue requesting information that is impossible to get because this issue occurred more than 10 years ago. They just keep writing and updating the debt. I refuse to pay for something I did not do and would like for EOS CCA to stop contacting me for a fraudulent account that happened over 10 years ago. 

Now they are requesting a police report. The police told me to file a complaint and report identity theft on the FTC.gov website in which I did. I am not sure if the landlord who owned the home is still there. I had moved out of that residence since my vehicle accident in 2007 but still had mail go to the address until I found a stable home during that time. When calling the police station I went to, I was told there is nothing they can do. So it is impossible for me to get the information they are requesting. 

I feel this harassment for payment that is not mine and want it to stop. 
The collection company harassing me is once again EOS CCA, XXXX XXXX, XXXX, MA XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a loan with US DEPT ED, JPMCB XXXX, and USDOE/XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, US DEPT ED, JPMCB CARD, and USDOE/XXXX with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-25
Company: SUNCOAST CREDIT UNION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft SUNCOAST CU Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: Stearns Ventures, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX : Stearns Lending , LLC. XXXX XXXX XXXX XXXX  XXXX, VA XXXX Stearns lending took over service of mortgage XX/XX/XXXX. As you XX/XX/XXXX transferred service, effective XXXX XXXX to XXXX XXXX  XXXX dba XXXX XXXX. Notification was received by mail on XX/XX/XXXX, which is 6 days in advance of change. I was not provided 15-day notification under the law. Additionally, no notification or documentation has been received by XXXX XXXX  XXXX XXXX XXXX XXXX as to the terms of the mortgage under their management.

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 2018-08-15
Company: Ad Astra Recovery Services Inc
State: MO
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:
On XX/XX/2018 I requested a copy of my credit reports from XXXX, XXXX, and XXXX  credit bureaus. After reviewing my file from these credit bureaus, I realized that there were several negative accounts listed that did not belong to me and were likely fraudulent accounts. I filed disputes with the bureaus but this payday loan still remains on my reports and is listed as a collection account. The company that I believe is fraudulently and/or incorrectly listed on my credit files are the following : 1. AD ASTRA RECOVERY SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX or ( XXXX ) XXXX {$680.00} XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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 opened a Bank of America Travel rewards card around XX/XX/18, and earned XXXX rewards worth about {$630.00} On XX/XX/XXXX I got a letter that my account was shutdown, by their credit department.

I called to try to use my rewards and I was informed that they were lost.

I am filing a complaint because I want my rewards that are rightfully mine

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 2018-11-13
Company: FIRST HORIZON BANK
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
My car loan was sold from XXXX XXXX to XXXX XXXX. When XXXX XXXX was going through their merger, they couldn't tell me where the account was or where I needed to make a payment. Once we could finally get someone that could pull up the account, they refused to talk to my wife or take a payment from her until talking to me. We have asked multiple times for a permission form to be sent to us to give them permission to talk to her and we have yet to receive one. She is the one that makes the payments due to our work schedules. She is my legal spouse and works for a XXXX XXXX herself and doesnt understand how they can refuse to talk to her or take a payment from her on my open loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2018, I lost an item/code for {$2500.00}, after the money was deposited, i transferred the item to the buyer. Couple days later, I see that my account is frozen and has a negative balance of - {$880000.00}. I received no call, no email, no text from Bank of America regarding why my account was on hold. After i call, they said that the buyer is claiming that the {$2500.00} was an unauthorized transaction from his account and that a fraud investigation will be underway and will take 7-10 days to complete. I called multiple times after that for any information and to have the - {$880000.00} removed so i can pay my bills. After days of calls and agents, it was finally removed. I did not receive any information on the investigation until XX/XX/XXXX. which is over the 10 days and they sided with the buyer and agreed that it was unauthorized and fraud and i had the {$2500.00} withdrew from my account. If the investigation proved to be fraudulent why am i not protected? Why am i the one being punished if their investigation showed an unauthorized transaction?

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 2018-08-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I cancel my warrant with the dealer I which I was told that over a {$1000.00} dollars would be applied back to Capital One Auto in which I never received nothing showing by Capital One Bank of the credit and should have been mailed back a check by Capital One. It seems Capital One does not mail out any proof to show where the money went.My next issue with capital one auto is last month my payoff balance was XXXX in XXXX my XXXX statement shows a payoff of {$19000.00} it seems it never goes down and when I call there is no clear answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: DISCOVER BANK
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Beginning XX/XX/2021, I received an email regarding my Discover card account that it was suspended from use, pending verification of some kind of tax records for the IRS. 

I submitted the required forms, then called Discover customer service or two different occasions on XX/XX/2021 to get an explanation of why my account was suspended. 

I have paid off my account monthly without hardly ever carrying a balance and have used it responsibly. 

If they wanted to verify my current income, I could have easily provided pay stubs from my employer, but instead they have not given me a reason as to why this sudden verification must take place, and the explanation was that it was a random automated verification. 

However, I noticed I was singled out after a request for a credit limit increase, which they provided instantly online with their system online, as well as approving an additional card to use. 

Both times I spoke to the accounts verification team I was terminated from the calls. I was upset and told them I may want to just close the accounts due to this inconvenience, and they I was abruptly hung up on, and no return call was attempted. 

I have also messaged them through their app with resolution, and they told that I was informed my account would be suspended for 5-7 days verbally, but never was informed verbally of this action, only by email after the account was already suspended. 

Pursuant to local state and federal laws, I believe I am singled out for discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
I have had several disputes with XXXX XXXX XXXX and they will admit to the errors and correct them and then they put the false late payments back on my credit report several months later. This has been an ongoing problem, I have 2 complaints that were filed with the CFPB to resolve this issue XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX. Both complaints they admitted the payments were in fact not late and corrected them and now once again the same payments are again being reported as late. The payments that are being reflected as late are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX the same months that were previously corrected.

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 2020-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX XXXX XXXX   XXXX {$1400.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX {$1600.00} XXXX/XXXX XXXX {$1600.00}

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 2019-09-04
Company: National Enterprise Systems, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ACCT NUMBER XXXX XXXX XXXX I am in receipt of your letter dated XX/XX/XXXX, where you state that you are reporting the validity of this account and you are absolutely WRONG! 

I have attempted on several occasions to get this matter taken care of and you refuse to provide me what I have been asking since XX/XX/XXXX and that is COPIES OF ALL SIGNED DELIVERY RECEIPTS FROM XX/XX/XXXX XX/XX/XXXX where there was acceptance of ALL furniture that was delivered and accepted. I have also requested the receipt from the Delivery Company that was contracted through XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX, CA XXXX, where the items were refused for delivery that I previously listed in dated correspondence on XX/XX/XXXX and XX/XX/XXXX and not a fraudulent signature on Delivery Receipt dated XX/XX/XXXX. 

Im exercising my right under the Fair Credit Reporting Act, Section 609, to request further information about the following item on my  credit report. I wish to see ALL the original sources of the information reported including, but not limited to, the original delivery receipt with my signature of refusal from the delivery company that was contracted. If you cant provide me with this information, that I have requested on several occasions, you need to remove the account immediately as neither your agency nor National Enterprise Systems can verify that they are reporting accurately. 

Once these items are removed, you need to immediately delete the account from the credit reporting agencies ( XXXX, XXXX, XXXX and XXXX ) that you have reported INACCURATE information to. 

My sole purpose is to get this item removed from my credit report files. This letter should not be interpreted as recognition of the debt or acknowledgment of liability for the debt. 

If your company does not receive the signed delivery receipts, and refusal delivery signed on delivery receipt, you should delete all information regarding the account from my credit files within 15 business days from the receipt of this letter, as mentioned in this agreement. 

Following the acceptance of the agreement, please prepare a letter on your company letter head unambiguously agreeing to the aforementioned terms and conditions and have it signed by your agencys authorized signatory. 

If I do not receive an approval letter within 15 days of your receipt of this letter, I will assume this matter is resolved. 


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 2018-11-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax has been non-compliant with removing the unverified account Bankruptcy Discharged-CH XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that Bankruptcy Discharged-CH XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation