BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-05
Company: ID Analytics, Inc.
State: NJ
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:
XXXX XXXX XXXX XXXX XXXX ( 1 minute ago ) to me I hereby give you official notice that I have been subject to your company 's improper management of my private information, which has been distributed to parties unknown to me, for profit, without my consent or breached by malicious hackers. Being that I have the inalienable right to 100 % control and protect my private information, I am hereby proclaiming that your company no longer has the right to right to use my private information in anyway unless you get consent from me by calling XXXX or emailing me at XXXX. 

YOUR COMPANY NO LONGER HAS THE PERMISION TO PARTICIPATE IN THE FOLLOWING ACTIVITIES WITHOUT CONTACTING ME VIA EMAIL OR PHONE FIRST : 1.Storing and Furnishing my information without my VERBAL/WRITTEN consent without first calling me at XXXX or emailing me at XXXX. 
2.Using, supplying OR updating my information without my VERBAL/WRITTEN consent without first calling me at XXXX or emailing me at XXXX XXXX 
3.Selling my information without paying me first and calling me at XXXX or emailing me at XXXX I demand all on the grounds that all of my information is private and inherently belongs to me with all rights reserved by me, to me and me only. I repeat you must contact me before DOING ANYTHING with my private information at XXXX or emailing me at XXXX XXXX 

Also, I resend/void all consent for you to use my information I any way, rather its written, spoken, or implied, given unknowingly/knowingly, from me. If you claim that your company has such claimed consent, I contest that such was granted unknowing and/or I did not fully understand the terms and I was not issued full/clear/intelligible disclosure of such. Such a method of gaining consent is unscrupulous and fraudulent in nature ; hence I challenge the grounds in which you use to gather such illusive " consent '' from un expecting consumers as myself. 

I demand a report of all information that you have on me and a list of parties who you have furnished such information too without my consent.

I will not furnish you with an address because I do not have one ; as I am currently XXXX and XXXX. If you try to force me to produce an address to correspond with me or allow access my information, please be advised that such is discrimination against a XXXX and XXXX person, and I will immediately report such. Company policy does not supersede rights and protection laws. My contact information is XXXX or emailing me at XXXX. This is all I have and all you will get. 

Attached is Identification to Verify my Identity : Military ID : Front and Back Passport Social Security Card

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX a check I wrote for one of my XXXXXXXX was stolen and cashed by another person who deposited it into their account at Navy Federal Credit Union in the amount of {$1000.00}. The account number is clearly seen on the back of the check. On XX/XX/XXXX, I opened a fraudulent check claim with my bank at XXXX and sent in documents from the person the check was stolen from stating that they never cashed the check. On XX/XX/XXXX, XXXX bank wrote to me to let me know that Navy Federal Credit Union has still not responded and if they do not then the funds are lost. On XX/XX/XXXX I filed a complaint with the CFPB and on XX/XX/XXXX Navy Federal Credit Union closed the case stating they never got documentation. Documentation that IS ATTACHED HERE and WAS on the last complaint. I tried contacting XXXX XXXX, AVP of Fraud at Navy Federal Credit Union with no response. Please go into the account of YOUR client and take my money back and return to me at once. This is absurd.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
Company: Resurgent Capital Services L.P.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm being harrassed by companies that I do not have any contract with, nor are the accounts belong to me. I've experienced emotional distress fighting to gain my true identity back. These companies has been asked to submit a certified physical documentation of their Method of Verification but has failed to do so, therefore I'm demanding that these accounts are blocked from my credit files immediately. 

1 ] XXXX  {$940.00} 2 ] XXXX XXXX {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10
Company: CREDIT ACCEPTANCE 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: Account status incorrect

Complaint:
The federal law 15 USC 1605 ( a ) a finance charge is a " sum of all charges '' payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. So there should have no late payments to be reported on my credit report. I further remind you that you may be liable for your willful non-compliance. Be aware that I am making a final goodwill attempt to have you clear up this matter. I will seek damages from your company for violating my consumer rights under Fair Credit Reporting Act if permitted.

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 2021-04-10
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7100.00}, {$5600.00}, {$2100.00}, {$4800.00}, {$830.00}, {$0.00}, {$47000.00}, {$0.00}, {$13000.00}, {$200.00}, {$3100.00}, {$6600.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7100.00} -This is not my account. 

2. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5600.00} -This is not my account. 

3. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account. 

4. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4800.00} -This is not my account. 

5. XXXX XXXX USA/TARGETCRED with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$830.00} -This is not my account. 

6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- XXXX XXXX 7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$47000.00} -This is not my account. 

8. XXXX XXXX SERVICES with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- XXXX ACCOUNT 9. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 10. I. XXXX XXXX, XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$200.00} -This is not my account. 

11. XXXX XXXX SERV with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3100.00} -This is not my account. 

12. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6600.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: Medical Data Systems, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
i have some things on my credit in collections that im not sure what the payment is 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 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


TransUnion Addresses : XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Employers : XXXX XXXX XXXX XXXX XXXX BankruptcyXXXX  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 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 XXXXXXXX  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 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 XXXX XXXX XXXX BankruptcyXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-07-12
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I signed an agreement to have my account debited for flex payments ( twice per month ) but come to find out, they set me up for monthly ACH which I did not agree to at all. In addition to this, I sent an email inquiring about my ACH set up and no one followed up. In addition, I also asked how to add an authorized person on my account and again, no one replied. The form was received because they debit my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: PENTAGON FEDERAL CREDIT UNION
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:
THE FRAUDULENT ACCOUNT ON MY CREDIT REPORT WAS OPENED WITHOUT MY CONSENT. I HAVE SENT NUMEROUS REQUESTS TO HAVE THE FRAUDULENT ACCOUNT FROM MY CREDIT PROFILE. THE COMPANY IS NO LONGER IN BUSINESS, I HAVE NO IDEA WHERE THIS FRAUDULENT ACCOUNT HAS BEEN SOLD TO, I HAVE SENT NUMEROUS REQUEST ALONG WITH POLICE REPORT, NOTARIZED DOCUMENTS TO HAVE THE FRAUDULENT ACCOUNT TO BE REMOVED FROM 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 2021-04-10
Company: EQUIFAX, INC.
State: OH
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:
Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: Direct Recovery Services, LLC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I keep getting calls from this company direct recovery services that I have never had any dealings with nor they do say what they're calling about. I never answer these calls and I would like them to stop, they can only contact me via mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07
Company: The CMI Group, Inc.
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The collection agency, Credit Management, is reporting to XXXX a debt I do not owe. I sent them a letter requesting validation of the debt and they did not respond. I do not owe the debt being reported. The debt is for the original creditor, XXXX XXXX. I currently have service with XXXX XXXX and they do not show that I owe them anything other than my current bill with them. I have uploading a copy of my current XXXX billing showing I do not owe a past due amount. XXXX XXXX recently changed their name to XXXX but it is the same account. It is common knowledge that XXXX XXXX does not allow people to open a whole new account if that person owes them a previous bill.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28
Company: Allied Collection Services, Inc. (Nevada)
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
ORIGINAL CREDITOR IS XXXX XXXX COLLECTION AGENCY IS ALLIED COLLECTION SVCS XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NV XXXX. MY ORIGINAL ACCOUNT BALANCE WAS TRANSFERRED TO A NEW ACCOUNT # WHEN I SWITCHED XXXX XXXX LOCATIONS. THEY NEVER XXXX  OUT THE OLD ACCOUNT BALANCED AFTER IT WAS TRANSFERRED. INSTEAD THEY HAVE ME IN COLLECTIONS FOR THE ORIGINAL ACCOUNT THAT SHOULD HAVE BEEN XXXX  OUT AND CLOSED AFTER THE TRANSFER. I HAVE AN ACCOUNT WITH XXXX AND IT IS AND IT IS IN GOOD STANDING. THEY ARE RUINING MY CREDIT SCORE. THEY HAVE ME IN COLLECTIONS FOR A DUPLICATE ACCOUNT.

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 2021-08-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I settled this debt and now it has been sold to three different companies. I do not know what to do. I am not getting any help anywhere. I paid XXXX XXXX XXXX directly. I have proof. I am requesting this be removed and cease collections and full verification. This isn't right PORTFOLIO RECOV ASSOC Original creditor : XXXX XXXX  {$430.00} Balance updated XX/XX/XXXX Account info Account name PORTFOLIO RECOV ASSOC Account number XXXX Original creditor XXXX XXXX Company sold - Date opened XX/XX/XXXX Account status - Status updated XX/XX/XXXX Account type Debt Buyer Payment status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Balance {$430.00} Balance updated XX/XX/XXXX Original balance {$430.00} Paid off 0 % Monthly payment - Past due amount {$430.00} Terms 1 Month Responsibility Individual Your statement - Contact info XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: EQUIFAX, INC.
State: PA
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've filed I CFPB and a Fraudulent report stating this account isn't mines. These creditors will not provide me any information stating these account are mines and I advised them that this was opened up fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I had an account and I opened my daughters account, because she is & was under age. But recently she lost her wallet and some fraudulent active was going on. When she notice those transactions, she quickly reported her card lost. But after she did that, she use my account to transfer her work check into my account and withdrawal what was left of her paycheck with my debt card. I filed a police report after, I was told I could. Today I sat with the police and was able to access my online banking to file the report. I made a call to inform chase that I have filed a police report and filed a claim as I am suppose to as a victim of fraud, instead that there was no reason that she could give on why both of the accounts had to be closed, because they reserved the right to end a banking relationship anytime. And after getting hunged up on by that representative, she locked me out of my online banking. I am single with XXXX children and I knew my check was going to be deposited at XXXX, and they stated to me that I would still be able to see my account active, but locked me out? ..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: EQUIFAX, INC.
State: SC
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:
It was communicated to me to reach out to each individual agency to expedite the removal. As of the date of this letter, it has been over sixty days with no compliance to the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ) enacted by the United States Congress. By their findings, it is now my legal right to have these accounts and inquiries ( FCRA 15 U.S.C. 1681n ) removed.

I understand the individual in receipt of this letter is most likely not an attorney. Therefore, I have attached the laws and definitions to educate any person of my legal rights in the United States of America. I appreciate you understanding how this adversely effects me and is in violation of my rights. Thank you for helping me take this federal matter seriously!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The problem i have been having with this company ( SHELLPOINT SERVICING MANAGEMENT ) since my mortgage transferred to them from " XXXX XXXX  " is that i can not access my account online even though i ve tried to resolve the issue since XX/XX/XXXX and before that several times with no luck.They keep telling me that they will transfer my request to IT but even though they did nothing has been resolved and representatives i speak to on the phone have no clue how to fix this.I asked for them to connect me to a specialist several times but they refuse to.Other than that i have no other issue with them and my account is in good standing.I really need to be able to pay my account online and access it whenever necessary.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
Company: Early Warning Services, LLC
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Despite repeatedly providing my identification, social security number, address and name, the consumer reporting agency refuses to provide me with a copy of the report. I am entitled to the report because I was : ( 1 ) Denied a bank account based on the report ; and ( 2 ) Requested only a single report in a 12 month period.

Company response to consumer: Closed with explanation