BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-07
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
United Revenue Corp placed a collection on my consumer credit report without following the proper procedures and they are in VIOLATION of the following federal laws : 15 USC 1692G-I never received an initial communication from this debt collection company about the alleged debt or the ORIGINAL CREDITOR. Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. Also, this company is NOT the original creditor for the alleged debt how can this debt be validated I have never had a contract or a wet signature with United Revenue Corp . According to 15 USC 1692J-United Revenue Corp is in violation of this law as well as the alleged debt that is currently reporting on my consumer credit report hasn't been validated by myself as the original creditor or the closed hospital the is reporting. ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. This is also a HIPPA violation for reporting an alleged debt without my consent or providing me the signed HIPPA notice

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: General Motors Financial Company, Inc.
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XX/XX/2020 someone without my authorization ran my credit to obtain an auto loan and I tried calling XXXX to fix this and they would not help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
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 appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed XXXX {$530.00} ; XXXXXXXX XXXX XXXX XXXX Balance Owed XXXX {$940.00} XXXX XXXX XXXX Balance Owed : {$5400.00} ; XXXX XXXX  XXXX Balance Owed : {$6100.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$1000.00} ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
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 several hard inquiries on my report that I did not apply for including inquiries on the following dates from the following companies : TWO inquiries from Capital One on XXXX XXXX, XXXX ( I already have a Capital One Credit Card, and I have received several emails about a breach with this company. I never applied for another credit card with them since I already have a credit card with a {$500.00} limit from them ). 

Capital One on XX/XX/XXXX ( This is when I was initially approved for the credit card that I currently have with Capital One. However, I was approved for this, so it shouldn't be under hard inquiries ) XXXX on XX/XX/XXXX ( I have never heard of this bank in my life, and I did not apply for a credit card at this time. ) Dept. of Edu on XX/XX/XXXX ( No loan was submitted through the Department of Education. XXXX XXXX  had me go through XXXX, which is a different institution. 

XXXX Fce on XX/XX/XXXX ( I did not apply for a credit card with this bank. I am attending XXXX school online here ; however, I did not apply for a bank account or credit card with an institution that is not even in my state ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
My wife was checking on a new truck and I told her that I did not want the people doing a hard inquiry on my credit and they said they wouldnt. Instantly I received 10 hard inquiries and I want them taken off and something done to them. Its the XXXX dealer in XXXX   Louisiana. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have some many inquires on my report that I did not Authorize.

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 2017-07-31
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been making monthly payments for years to XXXX XXXX and then Navient and have been surprised at how slowly the balance is decreasing. I requested a statement that includes all payments applied with a running balance since the start of repayment and can not get an answer from Navient. I pulled a statement from the website which only goes back ten years which is in correct however when I add my payments in this statement the total is {$22000.00} paid on a disbursement amount of {$24000.00} ( balance transferred from XXXX I believe not an actual disbursement ). The website states I owe $ 12k+. I ca n't gauge the accuracy of how my payments have been applied including payments on principal. Also why does Navient not publish complete accurate information so borrowers can assess how and if it is interest prolonging terms and high balances. According to the website my loan will be paid off in ten years. But technically looks to me I owe $ XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Tax Lien still showing on my credit report. It 's been over 7 years. The tax lien was showing a property in another county that I have never lived in.

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: GMFS, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had set up a recurring payment from my bank to my mortgage processor, GMFS, who subsqeuently changed the amount of payment required. While continuing to accept and cash my checks, they stopped crediting my payments to my account because they were " short payments '' and they " ca n't accept '' short payments. 

Though they claimed to have sent me letters and called me, no calls were received, and no letters to the effect that payments were short, were received. When I called to follow up, I asked if they had been calling, they claimed that they had been ( to my cell phone number, none of which were ever received ), and they had been in in fact, calling an erroneous number XXXX. 

I also logged into their account management interface several times and was never alerted to any problems with my account during this period.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Having issues linking checking account from TD Bank through third party apps on my phone to manage my accounts. ( XXXX, XXXX XXXX ) error received that TD Bank is blocking applications.

Called TD bank spoke to a rep and that stated that they cant help. That they are not blocking anything. However upon searching online I see similar occurances from other consumers. With similar investigation apps such as XXXX, transactions not getting posted, or issues verifying account information. 

Accessing TD Bank online works fine except when trying to link separate accounts. 

Issues have been going on for about two weeks on my end and I called and spoke to the bank rep on todays date X/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I had an auto loan with Fifth Third bank. A repo occurred in XXXX or XXXX of XXXX. 
XXXX and XXXX are still reporting " Redeemed Repossession '' under the comment columns. At the end of XXXX, I've disputed with XXXX and XXXX to remove the comment, but they are unable to see/understand what section I'm referring to. I have also contacted Fifth Third in XX/XX/XXXX. I received a response that the credit reporting is accurate. Once again, because they are not referencing the Comment section.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
RE : TD BANK COMPLAINT In the Spring of XX/XX/XXXX, I received my yearly request for proof of my hazard insurance from TD bank where I have a small mortgage on a home. I sent proof to the fax # they provided in their letter. I sent it 2 times. On XX/XX/XXXX I received a 2nd notice that they did not have receipt of the insurance. I then had my insurance company send it. 
On XX/XX/XXXX I called the number on the letter and spoke with " XXXX '' who confirmed the bank 's receipt of the homeowner 's insurance policy. I faxed it again to the name on the letter. ( attached ) I received another letter dated XX/XX/XXXX, still not acknowledging receipt of the policy. I then on XX/XX/XXXX,  XXXX XXXX, again called the number on the letter and explained, again, that I have sent and received confirmation that the bank had my insurance policy on file. I spoke with " XXXX '' and she verified the same. 
Again, I called on XX/XX/XXXX ... ditto. 
I received a TD bank monthly payment notice for XX/XX/XXXX stating that on XX/XX/XXXX my mortgage amount would be going up from {$1800.00} to {$2400.00} automatically deducted from my checking account. I called again on XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX I spoke with XXXX who again stated it had been corrected and would have a supervisor, named XXXX XXXX, call me to confirm this would be immediately corrected and I would be credited the overcharged amount that they withdrew from my account. 
I called again today, XX/XX/XXXX and spoke with " XXXX '' who said a supervisor would call me back. I said I would like to speak directly to a supervisor and she transferred me over to " XXXX '' who again apologized and said the escrow dept was at " year end '' deadline tomorrow but should get back to me tomorrow. 
This is a fraudulent, bogus business practice. I have been trying to get this resolved for 8 months and now they are overcharging me for duplicate insurance. This is highly unethical and illegal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-22
Company: EQUIFAX, INC.
State: NY
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:
Credit score drop due to the fact that XXXX put me on collections for a account thats not mines. And on my credit report they have the wrong name and birthdate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Credit score drop due to the fact that XXXX put me on collections for a account thats not mines. And on my credit report they have the wrong name and birthdate.

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 2021-02-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the XXXX and XXXX and Bank of America. The Account Opened is XXXX Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$5200.00}. The Account Opened is XXXX Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$100.00}. The Account Opened is Bank of America Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$5300.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

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 2020-09-14
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Wellsfargo is refuse too close out on my trust account, by the deceased old owner the XXXX XXXX XXXX aka XXXX XXXX .ss # XXXX XXXX XXXX. Old address on file is XXXX XXXX XXXX XXXX ga XXXX ... .and also XXXX XXXX XXXX XXXX ga XXXX XXXX XXXX XXXX XXXX ga XXXX. XXXX XXXX XXXX XXXX XXXX ga XXXX. All this address are business address own and co own by XXXX, deceased, and am the beneficiary too these addresses. And the management of these address, are abuse me .refuse too talk too me .dont even no who i am. .i talk too a lawyer. The lawyer said he can see the name of the ttust attorney and the trust trustee. But me XXXX XXXX, dont no who these people are .please deal with this information right. I already served yall 80 days ago. For cpa and a copy of the deceased person trust or last will testament, or operational agreement. That show me as beneficiary. Why are yall refuse too give me what i am ask for.

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 2019-07-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Bank of America closed my checking and savings accounts without warning for " fraud '' on XX/XX/XXXX. It was because I deposited three legitimate checks on XX/XX/XXXX which were issued by the U.S. Treasury with its seal specifically for the XXXX XXXX, my employer, and you didn't like them. 
They refuse to admit their mistake. I have sent their Risk Department proof that these are valid checks : images of the previous checks they accepted in XXXX, XXXX and XXXX, images and check numbers of the attempted deposit, copies of my pay stubs, even a letter from the XXXX XXXX Disbursing Office saying these three checks are valid. I can send check images if they are necessary. Attached are the pay stubs and letter from Disbursing. 

I have visited a branch 10 times, called Risk and various departments 20 times, and waited OVER A MONTH to get my money back. No response except " you'll have to wait until our investigation is complete. '' The three checks they are withholding for fraud total {$1200.00}, or {$420.00} each. 
In the meantime, I can't bank anywhere. Not with BofA because my account is closed. Not with another bank or credit union because my history now shows " fraud. '' I'm living on my cash reserves. Meanwhile, my credit card accrues interest, I can't deposit my paychecks because I can't open any other checking account, and I can't even deposit the other funds I had in my BofA account because again, no one wants to have a customer with a mark of fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-16
Company: SECURITY FINANCE CORP
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Repeated calls, abusive language, will not allow us to tell them they have the wrong number, they hang up on us when we try to explain they have the wrong number. They call 5 or more times before noon every day and several times after noon.

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: Navient Solutions, LLC.
State: ID
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I divorced in XX/XX/XXXX and it quickly became very difficult to meet the minimum payments on my student loans through Navient while trying to afford very basic living expenses on my sole salary. I contacted Navient numerous times and I was told every time that there was nothing that I could do. The last phone call that I had I was told that my only option was to get a loan through someone else to pay off Navient or to borrow money in the amount of {$10000.00} to pay them off. I am not sure who is able to do that but I found it to be two very inconceivable options.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Tax Lien still showing on my credit report. It 's been over XXXX years. The tax lien was showing a property in another county that I have never lived in.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: EQUIFAX, INC.
State: PA
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:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-01
Company: Experian Information Solutions Inc.
State: PA
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:
Experian has the following inquiries reporting in my file. The statue of limitations is 2 years. The inquiry must be deleted. 




XXXX XXXX Date of request XX/XX/XXXX Account name XXXX XXXX XXXX XXXX   Date of request XX/XX/XXXX Account name XXXX XXXX XXXX XXXX Date of request XX/XX/XXXX Account name XXXX XXXX XXXX Date of request XX/XX/XXXX Account name XXXX Date of request XX/XX/XXXX Account name XXXX XXXX XXXX XXXX Date of request XX/XX/XXXX Account name XXXX XXXX XXXX Date of request XX/XX/XXXX Account name XXXX Date of request XX/XX/XXXX Account name XXXX XXXX XXXX Date of request XX/XX/XXXX Account name XXXX XXXX XXXX XXXX Date of request XX/XX/XXXX Account name XXXX XXXX XXXX XXXX Date of request XX/XX/XXXX Account name XXXX XXXX XXXX Date of request XX/XX/XXXX Account name XXXX Date of request XX/XX/XXXX Account name XXXX XXXX XXXX Date of request XX/XX/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