BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-24
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AR
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
XXXX XXXX XXXX was seized in XXXX. They had no right to seize my property pursuant to Title 15 USC 1692e ( 4 ). Not only did they seize my property but constantly tried to make me make payments which is false and misleading pursuant to Title 15 USC 1692e ( 6 ) ( A ). They invaded my privacy pursuant to Title 15 USC 1692 ( a ). They seized my property for a debt that was already paid when i extended my credit to the bank. They are stating they are the original creditor when pursuant to Title 12, section XXXX, XXXX XXXXbanks can not loan credit, only money. Pursuant to Title 15 USC 1692 ( a ) ( 4 ) the original creditor is the one who extends credit and I extended the credit via my credit card ( SSN ). They created a false form violating Title15 USC 1692 ( a ), stating they were giving me an loan and I was a borrower, when there is no such thing as a loan in Title 15 TILA or FDCPCA. They also sold my location information and other information to a third party debt collector which is against Title 15 USC  1692c ( b ). They did not have my permission and they may not communicate with any other person other then the consumer. USAA also ruined my reputation and violated my rights by giving my information to consumer reporting agencies without my permission.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-16
Company: General Motors Financial Company, Inc.
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
As a big believer, when you go to replace your car or truck, I was so exited to replace my truck for another truck, razon why??, is because start to put much money in repairs and I diced to replace for another and get better payments, at the bigining tell the owner, How much you give me for my truck he says the best I can go is XXXXdlls and i believe him, after that you have to sign the many papers you have to sign, I did because most of the time you do not have the time to read word by word for those papers they tell you this is for this and this and this just sign rigth here, so you believe in them, so 2 months later I found out he give me only XXXX dlls, and I try to fix it with him and special the financial person and always no I do not remember, really, so I try to make my payments wich was XXXX dlls high that i use to for the other one, when i was really clear I want lower my payment tha 's why I diced for lease this time, after two years diced to return it because I can not handle the payments, I return the truck, nothing happen, 8 months later they send I bill for XXXX dlls, and back that time two years ago, I was in other situation so I can not continue paying this truck because they lie to me, I was filling they involve me with the bla bla bla way they use to try to make it happen the sell and I do not press to much attention and I fill was distraction on the way they offer me the truck, in particular the person in charge of the financial part, so now is in my credit record that I supust own them that type of money, they sell the truck all ready to another and now I can even apply for another car loan, they say is gone a be for ever, no body want to give a car, I family for GM, and I fill really bad with my person because I do not take the time to read everything, I was under believe that my 1st payment was a little high because I do not put money down so when the second payment came that 's when I found out, I really hope who ever concern to this matter any body can help me because they abuse the TRUST always we put on them when we go get any type a car, I really for more exited we can be at that moment we have to take the time to read everything and they tey try to tell you best deal, week and all the things they use for convence us, so tha 's what happen and they tell me in some delers you do not get a car easy any more and is in my credit report and has been affect me, one more time, I do not happen to any one special in my XXXX community any where in the USA.

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 2021-11-24
Company: ALLY FINANCIAL INC.
State: CT
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
The charge off amount on this account is paid off by the insurance company and now that it has XXXX balance it needs to be removed from credit report

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 2022-02-01
Company: Linebarger Goggan Blair & Sampson LLP
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Linebarger Noggin Blair & Sampson , LLP is a debt collector pursuant to title 15 of the United States Code. As a federally protected consumer, I am being harassed for debt which is illegal under the false claims act and 15 USC 1692. The most troubling issue concerning this matter is this fraudulent attempt to collect an alleged debt is for a parking ticket over 7 years ago which also is also defined as a violation. There are numerous violations listed in the attached document including a criminal violation of 18 USC 1341.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I was shocked when I reviewed my credit report and found late payment on XX/XX/XXXX & XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: PNC Bank N.A.
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
PNC Bank lost my Stimulus Check. On XX/XX/2021, I received my {$2400.00} stimulus check. I signed the back and so did my husband, since his name is on the check. I deposited the check at my branch through the ATM machine. The next morning, I checked my account & seen the check was deducted out of my account. I called the bank and they told me since my husband 's name wasn't on the account, I couldn't deposit the check without him being present to show his ID. We live really close and I told them, e & my husband would come to show our ID. I was told by the banker, that PNC would mail me the check & they no longer had the check at the branch. I called the PNC 1800 number a couple days later and was told the check could take 2 weeks to get to me, but it was mailed out. They stated there wasn't a tracking a number on the check. I think with an amount of a check over a XXXXXXXX dollars, they should have a tracking number. Well, a month goes by and still no check. I decided to go to the branch. I went to the branch and talked to a banker. He checked my account and seen when the check was deposited and then taking out. He told me the check was mailed out the next day. He called the 1800 number to confirm everything and once again I was told the check was mailed out. I then was told to contact the IRS. I contacted the IRS and was told, since the check was already endorsed there is nothing they can do about it. PNC lost my check and basically is telling me too, they can't do nothing about it! Why wouldn't PNC but a tracking number on a check over a XXXX dollars? Now, I'm XXXX and don't know what to do. I'm starting to think someone in that bank took my money

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: EQUIFAX, INC.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 

1. XXXX Account Number : XXXX Bal : {$1200.00} 2. XXXXXXXX XXXX Account Number : XXXX Bal :

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: CAPITAL ONE FINANCIAL CORPORATION
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 information incorrect

Complaint:
I recently received a copy of my credit report from XXXX on XX/XX/2019 and they are reporting incorrect Amount past due from Capital One/Kohls this account was paid with agreed amount {$160.00} Here 's the account # XXXX listed on the report. Amount past due list {$330.00} XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
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:
COMPLAINT on Transunion, XXXX, XXXX : My wife and I are XXXX XXXX. We have submitted information to have changes to show combined income but nothing happens. Jointly, we have an income of {$72000.00}. However, the reporting agencies show me at {$32000.00} and my wife separately at approx. {$30000.00}, which first of all is incorrect in amounts. BUT the main concern is that My debts are reflected in her income and her debts reflected in my income level. Therefore, the debts ideally are considered twice lowering both our scores. It seems that if both of us are responsible for the same debts then the total combined income should be used when doing so. What they are causing is an imbalance of our debt to credit percentages which poorly reflects our credit worthiness when these reports are pulled for service to us. Please help us with having this considered and adjusted. Thank you.

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 2019-07-18
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
It is nearly impossible to speak to a live person when calling Experian. The customer service options are terrible, they ask to verify your SSN and address then give you 1 of 2 options, none of which refer you to an actual person! It is unbelievable. I tried to log in online today and it's making me get a text or call for " verification '' before I can access my account, but when I click to receive a text or call, i get an 'oops ' error message and referred to the number to call. This is insane, I can not believe I can ; t get to a person. I need to know something on my report considering I can not see it online and there is NO ONE to help me at Experian. It is business hours. I have tried over and over again and selected every option, even trying to get through to the fraud dept out of desperation. This should not be allowed! They must make it easier for consumers to get in touch with them.

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 2018-01-16
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
Have tried numerous attempts to sign up for Equifax trustedid premier since my ssn was impacted by last year 's data breach. I received the link to complete enrollment but for the past week I get a " System Unavailable " error. I called the customer service number provided and the person over the phone asked questions to verify my id. I could not answer one of them ( " the month and year you requested your last credit report from Equifax? '' ) and was told that I would have to fax them documents to complete enrollment. I did not feel comfortable doing so especially since all of this is not required online. So I registered online again using a different browser and still got system unavailable. The end of XX/XX/XXXX is the last day to register and it 's if as though Equifax is making it as difficult as possible to sign up.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08
Company: D&A Services, LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
D & A Services , LLC has been contacting me about a debt I owe. There is a huge issue with their tactics, they are calling my wife 's cell phone number and not my own. She has never given them permission to call her phone in any way shape or form for this debt and I feel they are in violation of the TCPA Act. Also, when 1st called about the debt they contacted her and became predatory about collecting the debt by making her call me while I was at work to ok a auto debit from my account each month which does not sound right in any way shape or form. As a result of this I will stop all communication and also will be notifying my bank to not allow them to pull anymore money out.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: Experian Information Solutions Inc.
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: Account status incorrect

Complaint:
There is a creditor on my credit report, XXXX  Bank that is reporting current late payments. I have not made a payment on this account since XX/XX/2013. I have disputed it with Experian for a second time with no resolve. I do not wish to open up a new last date of activity. I would like XXXX   Bank to remove any late payments since XX/XX/2013. As a matter of fact, I would like the account removed completely from my account because they are continuously reporting inaccurate payment information in an effort to start the date of last activity over. I would like this done from Experian, XXXX and 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 2019-07-18
Company: EQUIFAX, INC.
State: MS
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 recently reached out to the credit bureaus asking them to verify my bankruptcy. They sent me results saying verified but the did not verify it properly. The law states that bureaus must verify bankruptcy information from the original furnisher, which is the bankruptcy. I have a letter from the court house stating that they don't share information with credit bureaus. Therefore the credit bureaus are in violation of the law. Also the results state that the got the information from XXXX XXXX which is a third party which is another violation. I put a freeze on my XXXX XXXX profile before I asked them to verify my bankruptcy. There the credit bureaus lied and are in complete violation of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem with product or service terms changing

Complaint:
I needed to do a temporary lift of my credit freeze with all 3 agencies. XXXX   and XXXX  were a breeze, their websites worked flawlessly and quickly. 

I have spent 45 minutes on the Equifax website, which keeps timing out with no success. I called their customer service line, who informed me that he was customer service, not the credit freeze department, tried to sell me a product. 

At this point I'm waiting for " the credit freeze department '' to open so I can call that number at XXXX (! ) and try to get those folks to help me. 

Here 's the sad part ... .my sister works for Equifax . When I was venting to her, her response was " Yep, that sounds about right. '' Even their employees know that they are a terrible organization. 

Hold their feet to the fire and make them perform. They have the funds to fix this!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: Experian Information Solutions 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 was told by both XXXX and Experian Credit Bureaus that the Unites States Bankruptcy Court Verified a Discharged Bankruptcy on my Credit Report when I disputed Information contained within. I in turn wrote and asked the United States Bankruptcy Courts to please explain their Verification Procedure and I was given a Letter that they, the United States Bankruptcy Courts " Do Not Verify '' Discharged Bankruptcies with any Credit Reporting Agency, Businesses, or and Data-mining Collection Agencies.

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 2019-07-18
Company: Paramount Recovery Systems, L.P.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
In XX/XX/XXXX, I went to hospital emergency. After visit, due to my financial situation ( I was unemployed ), I filed for indigency. The hospital wrote off their portion ( attached proof ), and I also have a confirmation number written on bottom of hospital bill that XX/XX/XXXXwas going to follow hospital indigency application ( all bills follow indigency applications ) and write off their amount due. This confirmation number is written on hospital bill I have attached.

For some reason, florida emergency continues to send it to collections and it has been reported to my credit report on XX/XX/XXXX, XX/XX/XXXX ( proof attached ), XX/XX/XXXX and XX/XX/XXXX. I have successfully had this disputed from my report except fro XX/XX/XXXX when I depended on an experien employee and that was my mistake. XX/XX/XXXX collection fromXX/XX/XXXX thru paramount recovery remians on my report due to experiens negligence. I have disputed this again.

More issues with this are that : amount is incorrect and has been since beginning ( see attached proof ). This bill is from XX/XX/XXXX and therefore is too old to be on my credit report ( again and again ). Paramount recovery is fraudulent in stating that open date for this bill is XX/XX/XXXX. It is XX/XX/XXXX.

I have also included a word document that states these items and was used for XX/XX/XXXX dispute to experian.

I want paramount recovery to stop seeking collection and have it removed from my report.

I want florida emergency to STOP sending it for collection since it is fromXX/XX/XXXX.

I want experian to be more aware and watchful of items that come onto my report and see that if it has rightfully been written off before, it should not appear on my report to start with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: REGIONS FINANCIAL CORPORATION
State: IA
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:
Regions Bank is reporting a charged off account that they sold to a XXXX  XXXX still having a balance {$1000.00}. The collections agency it was sold to, XXXX XXXX states I owe them {$550.00} for the debt to Regions Bank. I have disputed this item 4 times since XXXX 2021 to XXXX, XXXX, and XXXX stating this item from Regions Bank is reported incorrectly and they will not update the account. Regions Bank can not report a balance other than {$0.00} once they sell the debt. It is against the FCRA to not update my accounts or report correctly!

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 2018-01-22
Company: SUNTRUST BANKS, INC.
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I was discriminated and treated unfairly by suntrust, because of these two other banking employees and a district manager at XXXX XXXX  XXXX XXXX. Who has been spreading untrue things against me and getting other banks to deny me a checking account. Because XXXX XXXX has such hate and malice against me and my mother that she thinks we do n't deserve a checking account. I know she has influenced them to close my account. And they 're recent attitude towards me. I have every right to be angry and outrage and the way I have been unfairly discriminated against. I ca n't even have a bank account because of XXXX XXXX and her defamation of my character.

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