BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-05
Company: Radius Global Solutions LLC
State: DE
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
RADIUS GLOBAL SOLUTIONS states that I owe {$190.00} to XXXX. But, this amount is incorrect. Therefore, this debt should be deleted from all three credit bureaus immediately. I am attaching the invoice from 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 2022-03-11
Company: PENTAGON FEDERAL CREDIT UNION
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
A XXXXXXXX XXXX used my name and social security number and add me as a cosigner on a loan and filed XXXX  XXXX I contact the bank, and they refuse to do anything about 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 non-monetary relief
Consumer complaint received 2018-01-13
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My TD bank is blocking me from enabling external applications. I need to have access to my financial data in app. I need to open a XXXX account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I UPDATE MY CREDIT REPORT. THERE ARE SOME ACCOUNTS WHICH IS NEVER BELONG TO ME. THE INFORMATION IS NOT RELATED TO ANY TRANSACTIONS MADE BY ME. IT LOOKS LIKE SOMEONE XXXX MY PERSONAL INFORMATION. THESE ACCOUNTS ARE FROUD. IM SHOCKED HOW IT HAPPENED. I ALWAYS PAID ON TIME AND IM RESPONSIBLE FOR ALL MY PAYMENTS

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 2022-03-11
Company: CORELOGIC INC
State: FL
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:
I make a complain on XX/XX/2022 ID XXXX to CORELOGIC CREDC The reason they improper use of my report, they today response that send me a letter and they not receive any information for me, That information is false, I send a fax to they to the number show me in a letter, this is ( XXXX ) XXXX, is very irresponsible That afirmation, I have a copy of the fax that I send from XXXX XXXX XXXX for this reason I need reopen my case, because they are traet my case without attention that this matter need, they make me a serios damage in my credit report without my consent

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 2020-11-09
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Sears called to try to collect on an outstanding debt. I have consolidated my debt with XXXX and per them did not answer the phone. On Thursday XX/XX/XXXX, Sears collections called my ex husband about the debt. During this conversation they stated to my ex husband the company that I work for. I have been divorced for over 13 years, this debt was made after the divorce. They had no right to tell him where I work. I have no idea how they even got his phone number. He reached out to our daughter to let her know, she was able to get the phone number from him and it was the same number that had called 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 2017-11-01
Company: Ocwen Financial Corporation
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX of XXXX I was approved to partake in a loan modification trial period through Ocwen due to financial hardship. I needed to complete 3 monthly payments of {$1000.00} which included XXXX, XXXX and XXXX of XXXX, which were my original payments. It seemed strange to have the same payments in a trial period but I did so anyway. I completed the payments and the only thing left to do was sign the promissory note and have it notarized. I submitted the notarized documents by the required XXXX XXXX XXXX deadline and it was returned as denied due to lack of completion. I called Ocwen to find out what the incomplete portion was and their verbal description was that my spouse also needed to sign it. In their words, " Due to the Colorado homestead act, my spouse must sign the promissory note for them to accept the modification ''. My spouse was never approved or obligated to be responsible for the original loan. I have spoken with an attorney, title company and other financial institution. that stated Colorado does not participate in the " Homestead act ''. They also advised my wife not to sign the documents because it appeared that Ocwen was not being ethical by stating her signature was required for the purpose of the " Homestead act ''. I called Ocwen again for clarification and my assigned account manager and his supervisor would not give additional information on the recorded line.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: Foris DAX, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
I was researching how to do XXXX trading. I was on forums asking around when someone reached out and said they would help. They referred me to site called XXXX which is able to connect to the XXXX platform. They walked me through the steps on how to fund the account via XXXX. I acquired {$23000.00} worth of XXXX through Crypto.com and transferred it to what I thought was my wallet at XXXX. There was no kind of warning this wallet was linked to a fraudulent scheme. 

I then started making trades and everything seemed good. I then was being pressured to take loans out to total my account up to {$100000.00} that set off alarm bells and tried to withdraw my funds. They asked me to pay a {$20000.00} fee to have access to my funds whenever I want and from that point forward I have not engaged with them. When researching scams this seemed pretty textbook.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I have contacted Transunion several times on XX/XX/2021 - XX/XX/2021 about a dispute that I mailed to them Certified Mail through USPS on XX/XX/2021, tracking number XXXX XXXX XXXX XXXX XXXX, which was delivered on XX/XX/2021. They stated that they had the dispute and it would take 5 business days to show that it was in process. It still does not show that it is in process. I dont even think they are re-investigating. Every time i call they give me the same answer which is that they are working on it. If i understand correctly, this should be showing on my 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 2017-10-05
Company: Experian Information Solutions Inc.
State: NY
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal  law to verify - through the physical verification of the original signed consumer contract - any and all accounts Credit Bureaus post on a credit report. Otherwise, anyone paying for Credit Bureaus reporting services could fax, mail or email in a fraudulent account. 
I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) Credit Bureaus have on file of the XXXX XXXX XXXX account .Ive Been trying to verify this account for XXXX months from XXXX XXXX XXXX XXXX and the Credit Bureaus failed to positively verify these accounts and has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof

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 2019-06-27
Company: EOS Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a collection letter from EOS CCA, that started in about XXXX at which time I called and they stated whom the dept was owed. I called XXXX and was told that not only could they not find such a debt but the account number given does not match any records they have. I also called XXXX and XXXX XXXX XXXX my actual provider ) and the same response was given, they can not find any debt owed nor any account number that matches. I was also told by XXXX and XXXX that they did not even provide services in the area in which I live and still don't. I called back to the collection agency and was told they would check and get back to me. Within a month I was getting the same bill. I have both called and sent letters XXXX XX/XX/XXXX and XX/XX/XXXX ) trying to get this resolved, and everything I found out in my own investigation. I will hear nothing for a while then the letters start again. It is getting tiresome and I would consider this harassment. Not only are the letters and calls annoying and harassing but they have put this debt on my credit report! I do not know how to get through to them that this has never been my dept. I have repeatedly asked for proof that this is my dept and have never seen anything nor have I been given the number of someone I could verify this dept with.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: Oliver Adjustment Co.
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Good day, I am filing a complaint against Oac, XXXX XXXX XXXX, and XXXX. I received a derogatory remark on my credit of owing {$88.00} and this has put me in collections with OAC. I absolutely have no idea of the debt owed to XXXX XXXX. My credit report can show that I have never owed a single debt, not even a delay in payment one time. I put all my accounts on autopay and I believe I have paid off whatever balance I have. I never got any notification or reminder to inform me of any balance pending. I do not even have any idea of where the debt payment needs to go. I need this resolved please as this is very unfair that all these years I worked to have a clean credit report an unknown debt I have no knowledge of will be added to my credit report with no prior knowledge. 

In summary, I strongly believe I do not owe {$88.00} as all my accounts are set up to autopay and I never received any notification of this debt. Not even one. Please advise. I do not have any receipts as I believe whatever was owed was paid through a portal they sent to me. I do not remember the portal or have access to it anymore. WHY WOULD THEY SEND MY ACCOUNT TO COLLECTION WITHOUT PRIOR NOTIFICATION? NO LETTERS, NO CALLS, NO EMAILS. NOTHING!

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 2020-07-08
Company: United PanAm Financial Corp.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My first payment was due on XX/XX/XXXX in which I mailed the check, however their practices are that once they receive the check they dont post received on account until it clears the customer bank account which made my first payment be in default. This is now XXXX and the sent a request to the dealer to buy back the loan. After several calls to finance company and dealer they were not being truthful on recorded lines except XXXX the manager of XXXX who was on vacation. This is not the way this should work for the customer. I have recorded calls as well and email communication.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-05
Company: Experian Information Solutions 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 accordance with the Fair Credit Reporting act XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2018-01-12
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
TD Bank charged me {$100.00} in overdraft fees fraudulently in one day, on XXXX XXXX, 2018. What they say was my balance was not my balance at the time and I have documents to prove it. I contacted their customer service, they refused to reverse the charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-03
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: Information belongs to someone else

Complaint:
My identity was stolen by criminals unknown to me and an auto loan was opened with XXXX  XXXX XXXX in XX/XX/2022 without my knowledge. I did not anticipate 7 months of certified letters back and forth to still have this issue still unresolved by XXXX  XXXX XXXX. 

Starting in XXXX, I have opened XXXX cases with XXXX  XXXX XXXX for this XXXX fraudulent loan and they have all been denied, including the latest one which was denied on XX/XX/XXXX. I've asked XXXX to get in touch with me to request what they specifically need in order to successfully resolve this fraud case, but they only mail generic letters denying my fraud claim. This has happened XXXX  times. 

I've sent all of the documentation they've requested, including copies of identifying information, a copy of the police report, a copy of documentation proving my place of residence ( which is different from that on the fraudulent loan ), a copy of my FTC Identity Theft Affidavit, as well as copies of letters from 3 other banks approving my fraud claims. Yet XXXX  continues to deny my claim. Their denial letter contains a phone number that routes to agents that are not trained in fraud. There is no way straightforward way to get in touch with a human to help and they have not engaged over email or phone when I sent a letter requesting them to get in touch with me. 

Every other bank has been helpful in resolving this very stressful situation, yet XXXX  XXXX XXXX has made this process exceptionally long and difficult. In the meantime, my credit score continues to decline and I have to live with the consequences of that with no clear path toward resolution.

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 2020-11-09
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XX/XX/2020 LVNV FUNDING LLC had someone pounding on my door like the cops when i answered the door the guy handed me papers saying I was being sued for a debt in the amount of {$5000.00} for an old XXXX account that I had. I asked him how they had a right to sue over an old debt that has been cleared off my credit report to which I was told XXXX  like you deserve what you get. This company has put the debt back onto my credit report claiming it is brand new debt to which it is not. I didn't sign for the paperwork he just forced me to take it. The original date of the filing was XXXX, we are in XXXX, I don't see how they have the right to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I was charged 4.5 dollars again!!!! 
In early XXXX, I was told I need to put {$500.00} into account to avoid the fee and I put {$550.00} dollars in. And Yesterday, I was charged 4.5 dollars again!!! 
I called and I was told this time I need to put {$1500.00} in to avoid bank fees. 
I am asking you to refund me the charge! 
Still, the refund was denied because of the {$30.00} refund limit. 

Last time, the nonsense charge is caused by Citi giving me XXXX dollars of interest and charging me 4.5 dollars of fee and then charging me 34 dollars of the overdraft fee.

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 2022-01-05
Company: EQUIFAX, INC.
State: LA
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 am filing a complaint again as my right under FCRA and fair credit and billing act and HIPPA privacy have been violated. I have for several months trying to get Equifax to resolve these collections below and the end of the complaint. I am filing a complaint again as there have not been any answers back from Equifax as I am continuing to receive calls from collections that I have no knowledge of this collection and have requested by certified letter to Equifax to provide full validation under my FCRA right and also requested documentation on the company right to collect under the fair credit and billing act. Equilfax has violated my HIPPA privacy as info about my medical conditions by allowing XXXX XXXX XXXX to make inquiry. I have not received answers to both inquiries. By law the bureaus must remove if they can not provide answers in timely manner. Please remove from my credit report. I have no knowledge of this collection and have requested by certified letter to all 3 bureaus to provide full validation under my FCRA right and also requested documentation on the company right to collect under the fair credit and billing act. I have not received answers to both inquiries. By law the bureaus must remove if they can not provide answers in timely manner. Please remove from my credit report. 

disputed Collections XXXX XXXX  Opened XXXX {$100.00} XXXX XXXX XXXX XXXX Opened XXXX {$140.00} XXXX XXXX XXXX Opened XXXX {$570.00} XXXX XXXX XXXX Opened XXXX {$620.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
In XX/XX/XXXX, a fraudulent credit card application was submitted to bank of America using my Social Security Number. Bank of America did not open the account and notified me. Sound good right. However, they added to my checking and saving account the information supplied by the fraudulent application. So the fraudulent applicant could gain access to my account by resetting the account password using the phone number and e-mail address that Bank of America added to my account. So while the Bank projected their money by not opening an account, they exposed my checking account. If they ID 'd the application as fraudulent, why would they add that information to my checking account? They basically said it was not their fault because the application had my social, but again, the issues was they ID 'd the fraud but still used the information! I removed those address from my account and did everything I could do, but Bank of America would say they would not change my contact information again.

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 2017-11-01
Company: CITIBANK, N.A.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
At the time of the checkout at XXXX, I was offered XXXX XXXX XXXX credit card. I had asked the counter associate whether it will be a hard inquiry to my credit score. She assured me that no hard inquiry will hit my credit score. I gave the approval for the application and it was filed. I already have fair credit score since I returned to the US after long time. The application eventually could not be approved and it also hit my credit scores to the tune of 24 points collectively both with XXXX XXXX XXXX
This is not good and not acceptable at all. I was given misleading information to promote the XXXX co-branded credit card which is not ethical. My credit score is still building up to an acceptable level and already not good but now it has gone further down. Am an old customer of XXXX since the year XXXX and was not expecting this. 

Tried reaching out to XXXX through their feedback mechanism on the website and one email ID as well but did not hear back suggesting any resolution. 

Date : XXXX XXXX XXXX Establishment : XXXX, XXXX XXXX, XXXX, XXXX XXXX reported to 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 non-monetary relief