BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-30
Company: Consumer Collection Management. Inc
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company ( Consumer Collection MN ) ( Account # XXXX ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to  subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA.

Ive conducted some research on this company and in the state of Missouri this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Missouri. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Missouri Division of Finance is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises.

Rescission of Contract. Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office. 
Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Woman with my God Given name ( XXXX XXXX : House of XXXX XXXX. 
1. Validation of the debt ( i.e. the actual accounting showing <house of XXXX : XXXX> real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC ) ; XXXX. A copy of the original contract signed by both parties and therefore binding both parties to the agreement. 

They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: Freedom Mortgage Company
State: IN
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 under the XXXX forbearance plan and Freedom mortgage reported my account XXXX as delinquent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to the credit bureaus. This account was paid in full in XX/XX/XXXX. Also they have me confused with someone else from the letter that is dated XX/XX/XXXX that Freedom Mortgage sent to me. ( See Attached ).

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 2021-01-29
Company: ACIMA CREDIT, LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I have to make payment of {$520.00} a month for my installment loan but during this situation ( corona virus ) I was trying to keep my credit right but for this situation now I have this negative Item in my report. they was trying to take the money automatically from my account but the payment was did not go through. I call the company to ask them why they never notified me about this situation and at the same time I was trying to fix it but they can't do anything and now a balance of {$1100.00} that is on my report affecting my credit score for this unfair situation

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: GreenSky, LLC
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
i called XXXX XXXX XXXX they stated they have financing, their sales agent took my information to do a credit check, they also applied for my loan while i was on the phone. i was told no payment would be due until after the building was completed, i was working on getting a 40 x 64 workshop from them. weeks later and we never signed a contract, XXXX the salesman i was working with just keep putting off having me sign a contract, I got a email stating there was recent activity on my account, i asked XXXX about it and he stated it was normal procedure, more time passed by and i get a payment due on the loan, still no contract signed at this point. i tried to get XXXX XXXX and green sky to fix this, but they refused. i told XXXX XXXX to cancel everything, they threatened me with a 15 % fee, i countered threatened them with a fraud charge. they notified me everything is canceled. today a few weeks later, i get a email that a payment is due in 5 days, i have contacted greensky that this was a fraud account because no contract was ever signed. green sky did not do anything after the first call to hold the account. i talked to a manager, still refused to file it as fraud, they are going to investigate the signature on the contract. which leads me you file this complaint, the date started was XXXX, the amount removed from the account is {$30000.00}, where is the money, dont know, XXXX last response to me is you call the company, im not your messanger. 
Green sky XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX http : //www.greenskycredit.com XXXX XXXX was called, they sent out XXXX XXXX their sister company to contract XXXX  XXXX,XXXX  XXXX XXXX, XXXX XXXX, IN XXXX Phone : ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-30
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: Credit inquiries on your report that you don't recognize

Complaint:
I recently received my credit report I notice several companies inquires that pulled/ viewed my credit without my permission. I sent letters requesting removal of theses unauthorized inquires that did not have written or verbal permission to pull my credit. I have sent a letter to the companies and experian to only receive a letter stating verified. 




XXXX XXXX XXXX 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 explanation
Consumer complaint received 2019-10-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
There was a transaction made with a company named XXXX XXXX in XXXX XXXX utilizing XXXX XXXX. I spoke to Bank of America the same day this occurred. I had to step out of class to give them a call since I got an alert on my phone. I lost my XXXX XXXX and had XXXX XXXX  linked to it. I made this very clear to the employee who was helping me. I received two letters stating that I had won this case and thought that this was over and done with. But a letter addressed to me, was sent out on XX/XX/2019 stating that they were unable to approve the claim even though I had previously won the claim. Obviously my XXXX XXXX was used by me in the past, but when I lost it, it still had XXXX XXXX setup and my card was still on it leading to this fraudulent charge. I would like the money refunded to my account for this.

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 2019-02-07
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:
XXXX credit card, who I have a credit card account open with, reported 2 months late payment to my credit bureau Experian. But I never knew I had a balance and I never received any bills. I called customer support and they could not provide me with details as to why they failed to mail the bill to correct address.

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 2018-05-09
Company: ENCORE CAPITAL GROUP INC.
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to report a violation of my rights by a creditor. XXXX XXXX XXXX, also doing business as XXXX XXXX XXXX has taken {$13000.00} through employee garnishment since XXXX and is continuing to do so. I called the number I was given and spoke with a debt collector from XXXX XXXX XXXX. I asked what debt was. The response was it was from a financial company XXXX XXXX. I continued to inquire if it was a loan or a credit card. I was informed by the debt collector from XXXX XXXX XXXX, Midland has all the information from XXXX XXXX and nothing else is needed. The collector said it was from XXXX but the only credit card I had was already garnished by Midland. There are 3 separate occasions when garnishments from Midland were claimed to be from XXXX XXXX XXXX XXXX. The debt itself was over 15 years old. I could not prove the debt was paid and was told there was nothing I could do about it. I was first garnished for XXXX XXXX XXXX XXXX at the end of XXXX. In XXXX, garnishments began again from XXXX XXXX XXXX XXXX. In XX/XX/XXXX, Midland began garnishing again for XXXX XXXX XXXX XXXX. XXXX XXXX XXXX informed me each time I had to prove the debt had been paid in full. 

My complaint is XXXX XXXX XXXX continue to garnish me for debts I dont have. XXXX XXXX XXXX are unable to provide information regarding these said debts. I am unable to prove the debts the paid due to the age of said debts. 

There is another XXXX XXXX on my credit report I have been trying to get removed for over a year. It is described as a debt to XXXX XXXX. 

My grievance is with XXXX XXXX XXXX DBA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX I contacted the Attorney General who lead me to you. After contacting the AG I was informed of a lawsuit against this group by the Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
The online account for my Santander Bank credit card ending in XXXX got blocked when I entered the wrong password. I called the credit card company and the agent on the phone said that I would have to provide my valid id at a physical branch in order to reinstate my card. I explained to them that I do not live in a city with a Santander branch but the agent insisted that the only way to get back to my online account would be to provide my id documents at their physical branch. I live in Washington D.C. and the nearest Santander branch is in Delaware. Despite providing them with my full id information by phone, I do believe that the agent who blocked my account and stipulated physical id verification did so because of my name as it relates to my race and national origin. The agent had an aggressive tone from the beginning and told me that even though my answers match what they have on file she will block my credit cards. She said that if I could not go to a branch to verify my identity I could continue using my card and keep making payments by phone but my online access would be blocked until I went to a branch with id. However, this turned out to be untrue because I tried to use the card in question and found it to be blocked when I tried to use it on a web payment on XXXX. 
Upon calling back a second agent told me that I can send a notarized letter to them ( in which I certify my name and date of birth ) in order to reinstate my card. When I asked if I could be reimbursed for the cost of the notarization they refused. I felt really humiliated and somewhat wronged by the credit card company for simply wanting to use their card like a normal customer. I also escalated the call at this stage and spoke to a supervisor and although she seemed understanding and courteous she said that because my account has been blocked by the former agent I would have to go to a physical branch or provide the notarized letter that I described above and she would not be able to unblock it, she also could not commit to reimburse me for the cost of notarizing the letter that they need.

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 2023-06-06
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX I was discriminated agaist by American Express who closed all three of my accounts without my autorization. Those accounts were not held by their financial institution. Those three accounts were in good standing and not in default. Since then I have been herassed and threaten to pay an alleged debt. In addidtion American Express continues to report negative information on my consumer report by flagging my account which is all prohibbited. XX/XX/XXXX American Express is now producing false documents stating false information. They are saying I had an account ending in XXXX, whhich is false. I never had an account ending in XXXX. American express is also writing falsified statements claiming I requested a debt validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: Sequium Asset Solutions, LLC
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company is still reporting that I owe Im this debt after I disputed it and won. I have proof that it would be removed from my credit but it still being actively reported and driving my credit score down. I do not own the account that is being reported on and believe someone else used my identity. I am looking to pursue a lawsuit against XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09
Company: First Direct Lending, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The company ( First Direct Lending ) declined to close on my approved mortgage eventhough I have excellent credit and adequate income. They further declined to furnish a copy of my appraisal and refused to produce documentation as to why my loan that was previously approved, was declined or withdrawn

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: EQUIFAX, INC.
State: NC
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I'm the first time car buyer. When I have bought a vehicle through the dealer, I was not aware of some terms. Now I find out that I was as cheated on the loan with Santander consumer usa. Also there is no change in the loan amount at all on my credit report. I'm making payments since XX/XX/2015..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I am a US XXXX Veteran with an XXXX service record and XXXX. I purchased a XXXX XXXX XXXX from XXXX with an auto loan from Capitol One Auto Loan on XX/XX/XXXX with a comprehensive/liability policy through XXXX. All payments were made on time as outlined in the contract. In XXXX of XXXX, the car was totaled by a semi truck when the semi swerved impacted the front of my vehicle. I submitted the claim to my insurance company ( subcontracted through XXXX ). XXXX XXXX denied the claim, stating they had canceled my policy due to non-payment. The last payment on the loan was XX/XX/XXXX with a balance due outstanding. 

FACTS : Insurance ( XXXX ) was procured and set up on auto-payments deducted directly from the same ( XXXX ) checking account. XXXX failed to notify me ( user ) of certain changes in 3rd Party insurance providers ( subcontractors ), used old contact information from nearly 5 years prior, and never notified the LOSS PAYEE ( Capitol One Auto Loan ) of the lapse which resulted from a breakdown in communication. XXXX did not notify anyone until the claim for the total loss was filed. 

The loan required the buyer to maintain a comprehensive insurance policy on the vehicle for the life of the loan. At no time was the alleged lack of insurance or alleged lapse of coverage reported, and at no time was I notified by the XXXX or Capitol One Auto Loan of the alleged lapse in insurance coverage. This is in violation of the contract and agreement by the lender. The lender ( Capitol One Auto Loan ) failed to report the lapse. With the lender listed as loss payee on the vehicle, it is the responsibility of the insurance carrier to automatically notify the lender of coverage and any changes therein, as is outlined in the agreement terms of the contract. XXXX failed to notify Capitol One Auto Loan of the lapse, and neither Capitol One Auto Loan nor XXXX notified myself ( user ) of the lapse until after the claim was filed. 

I am not financially capable of paying this loan. I can not afford an attorney and I am considering filing for Chapter XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
XX/XX/23 Open checking account on line with Trusit. Deposited {$50.00}. Set up my direct deposit with OPM.

In the days following I Received a few emails welcome me to Trusit. 
Received a debit card. 
Received a statement from Trusit dated XX/XX/23 showing my {$50.00} deposit. 
XX/XX/23 Try to get on line to my account. 
I contacted customer service- I was told my account was closed. I asked for a reason- no one would give me one. 
My pension was to be deposited into the account on XX/XX/23. 
On XX/XX/23 went to Trusit branch - manager said nothing she could do. I cant open account with them. Again no reason was given. 
Its XX/XX/23 I still havent received my pension. 
The bank has caused me much anguish and distress. My mortgage is due and I dont have the money to pay. 
Please help 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 2023-02-09
Company: EQUIFAX, 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:
There are several inquiries on my credit report that I did but give authorization to nor was I aware of. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated on my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation