BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-28
Company: EQUIFAX, INC.
State: CA
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:
In XX/XX/XXXX disputes regarding a collection and requests for validation of a debt were sent to XXXX  that included the following accounts : XXXX/XXXX  XXXX XXXX Acct : XXXX, XXXX. 
An inquiry from XXXX XXXX  on XX/XX/XXXX and names I have never gone by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Several follow up letters by certified letter, more than 10 phone calls and 3 direct uploads to their online disputes system and contact attempts were made well into XXXX of last year. A CFPB complaint was made XX/XX/XXXX about all erroneous reporting. All of the above accounts, inquiry and incorrect name information was removed from my credit file. Upon checking my credit file on XX/XX/XXXX, this information has been erroneously placed back on my credit report with out notice by XXXX, XXXX  and Equifax. In violation of the Fair credit reporting Act. 

In addition, Equifax, XXXX and Equifax continue to report XXXX   XXXX XXXX XXXX XXXX. After receiving information verifying the account had various errors in it's reporting. Another violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: Experian Information Solutions Inc.
State: GA
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 check my credit and notice some fraudulent Activity on my credit I have no knowledge of these Accounts nor did I give anyone authorization to open any Accounts. This is fraud. I would like to place a fraud alert on my credit so that this will not happen to me 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 2018-07-17
Company: EQUIFAX, INC.
State: GA
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:
XXXX  needs to delete and block this account immediately because it is fraudulent, XXXX XXXX XXXX   Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Portfolio Recovery has violated the Fair Debt Collections Practices Act, by continuing to harass me by mail, after I sent them cease of communication letters dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and I have just sent a 5th request dated XX/XX/XXXX. Portfolio Recovery confirmed receipt of my cease of correspondence letters by signing my certified letter with signature confirmation on XX/XX/XXXX and XX/XX/XXXX. See attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28
Company: Amsher Collection Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/18 an alert appeared on my credit file with a collection in the amount of {$5000.00}. I immediately called Amsher as I didn't recognize the debt. I had not received any notice of a debt before it being submitted to the credit agencies. When I reached someone at the company, I was told that the debt was a business debt, and was transferred to their business department. I was told it was a debt from a company I worked for. I explained that the company debt was not my own, and was immediately transferred to a man who stated he was the CEO. 

I asked why I never received a letter about a debt, and how they determined that I was liable for the corporate account? He stated that they are not obligated to send letters nor verify who is responsible. I then asked for his mailing address so that I could send my request in writing. He goes on to say that I needed to " care about my money, I'm responsible, I needed to be quiet and let him speak '' and so on. He also stated that he wanted to make me an offer to settle the debt for approximately {$3000.00}, even though I told him the account did not belong to me, which the company was already well aware. 

Very upset, I kept insisting on his name and address for about 10 minutes. He then started to belittle me stating that " let me pull up XXXX and show you how easy it is to get our address ''. The inappropriate exchange was at least 15 minutes before he finally gave me the address so that I could submit my request for a debt letter and verification in writing. I then hung up. 

All of this because I never received a debt letter so that I could verify the debt and dispute as necessary. When I attempted to dispute with the credit bureaus, Amsher still refused to research the account, even though I submitted my final bill from XXXX showing that I didn't owe the debt. They also called other employees of the company stating that I owed this debt. This company is a scam who is only in the business to force anyone to pay a debt ( which they purchased ), even if not legally obligated to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
XXXX and Trans Union have refused to remove my tax liens in accordance with NCAP guidelines. Attached documents show that the tax liens reporting on my credit reports do not conform to new guidelines. All tax liens should be removed. 

1. The minimum reporting information is not consistent with new guidelines. It is showing my former name, incomplete address and incomplete social security number as well as no birth date.
2. Minimum courthouse visits to obtain newly filed and updated public records of at least every 90 days was not completed as required. 

Furthermore, these credit bureaus have my former name and address listed on them. I have been XXXX XXXX XXXX since XX/XX/2015. I will need my name updated. I would also like to make sure they are listing my employer and address as up to date as well. 
Employer : XXXX XXXX XXXX XXXX Home Address : XXXX XXXX XXXX XXXX, XXXX, KS 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 2017-09-19
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:
I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am not responsible for any charges made to this account. 
Please close this account immediately. I would like to request copies of any documentation, such as applications and transaction records, showing the activity on this fraudulent account that provide proof I opened this account beyond a doubt like drivers license, passport, social security card. Thank you for your assistance

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 2018-09-28
Company: United Check Recovery Bureau, Inc.
State: KS
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Continues to call even though Ive asked for proof of my debt which they keep telling me they will send but they do not. They even contacted my family and go as far as to ask them personal information about me. The calls are stressing me out and if I block it they call from a different number. Ive already tried to handle this but they will not send me anything in the mail to confirm they just want payment over the phone.

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 2018-05-11
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
In addition to charging 22.99 % interest, which I thought was usury and therefore illegal, Credit Acceptance has added over {$500.00} to what I owe, and refused to explain why. I openly entered into the agreement, so I am not looking for a remedy for the crime of usury. 
I have been making extra payments nearly every month for eleven months. According to several amortization calculators that I have used I should owe {$820.00} effective XX/XX/XXXX. According to the person who I spoke with on the phone on XX/XX/XXXX, my payoff balance as of XX/XX/XXXX will be {$1300.00} and will continue to increase until paid after that date. 
I previously called and asked for a breakdown of what I have paid and what portion of the payments went to interest and what part to principle. They sent me a list of the payments that they have received. It agrees with my records, but they did not explain the difference in our calculations of a payoff amount. 
I think I made myself more clear to the person I spoke to on XX/XX/XXXX, and he refused to send me any additional information.

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 2017-09-19
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Initially contacted by this collection agency the later part of last year and at that time I advised them to refrain from contacting me because I spoke with XXXX and explained my situation to them. Will being making payments directly to XXXX. This agency continued to send notices that were returned to them unopened up to this date. I was notified by my monitoring service that an collection account was added and some fraudulent activity was going on so I disputed all items including an unknown collection account. I received information to show that the same collection agency added this account to my credit file AFTER I advised them 1 ) that I was paying XXXX directly on payment plan. 2 ) they still contact me AFTER I advised them to refrain from contacting me AND 3 ) they added this account to my credit file w/wrong amount. This really affects my credit badly.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I paid my bill ON TIME, the bank charged a {$27.00} late fee in error. I contacted the bank in writing, ordered them to remove the late fee and never received a response. This ridiculous financial institution deliberately routes all customer issues to a " CALL US '' customer center, which is completely useless to me because I do not do telephone calls and since they do not answer mail in writing, a customer in reality has NO WAY of reaching the bank except via voice telephone. The bank also has NO electronic message system like all other financial institutions.

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 2018-09-28
Company: U.S. BANCORP
State: SD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX I discovered a withdrawal of about {$2900.00} from my checking account ending in XXXX labeled Miscellaneous Adjustment Debit - nothing - no indication how or why money had been withdrawn. I have been a customer of US Bank since XX/XX/XXXX and this has never happened before - ever. 

After many calls to US Bank I was referred to a number XXXX - after calling speaking with XXXX I was told their unit had offset funds from a reserve line account which was overdue and now paid and closed. 

The agent advised I had been called in XX/XX/XXXX and had not cooperated with that office. I have one line of credit on which I have a payment agreement with US Bank and on which I have been paying every month for several years. 

US Bank has provided no accounting ; no letter ; no detail and no prior notice. I do not know even whether this unit or office was US Bank or whether any withdrawal was authorized. This out of the blue event will cause me immediate serious problems with paying Medicare ; my mortgage and other serious bills. 

I am familiar with right of offset but US Bank or whoever this is has done nothing to explain why out of the blue this action would have been taken. NEVER has this ever occurred or been mentioned to me before. 

I feel as though someone has stolen money from me. US Bank conduct here is that no one is accountable for any attempt to explain or help. 

I was referred to page 33 of a 50-60 page agreement which I did not have ; follow up with local branch XXXX did not help - they advised they would look into this and gave me the customer agreement of some 50 pages. The representative said page 36 applied but I simply did see how or why - the language read with other language only made the situation more confusing. 

Please assist. I have hit a brick wall.

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 2018-09-28
Company: BARCLAYS BANK DELAWARE
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I applied for a Barclay Business Aviator Credit card in XX/XX/XXXX. Over the course of a few weeks I was told more information was needed and was sent two conflicts letters on the same day asking for different types of information. I sent in information and called to confirm that it was received. I was told the card was approved, but then I was sent a letter of declination. I then called and they confirmed that it was an error by a representative and verbally approved again, and follows up with a letter and e-mail on XX/XX/XXXX. I was told I would get a card in 7-10 days. I  did not. 

On XX/XX/XXXX I called to complain that I did not receive a card, and see if another incompetent barlcaycard representative had made a mistake. I was told a new card was received on XX/XX/XXXX. I stated that I did not receive a card and explained that all my mail is scanned by USPS and no such envelope reached XXXX, OR. After about 9 telephone calls and numerous hangups and over 4 hours on the phone I still have not had the issue resolved. Every call I am told I need to speak to someone else, and put on hold. The representatives tell me conflicting information and keep making me run in circles without resolving the issue. 

I was told that my card was used for cash advances in Georgia, where I am not, and where I have never used a cash advance. I was also told that they could not help me because the phone number they have on file is different, and they could not check my original number in my application.

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 2018-05-11
Company: The CBE Group, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I filed bankruptcy and it was dischargedXX/XX/2015. Included in the discharge was XXXX XXXX XXXX. I explained to the debt collection department that I included this bill in the Bankruptcy and it was discharged. They claim that the service was reconnected after bankruptcy. I did not live in XXXX  after bankruptcy discharge, nor did I incur any electrical charge from XXXX. I was and still am paying for services in my home in XXXX - XXXX electric bill. Further they are listing me as an open credit from 3 months ago. All this information is false and I request that it be remove immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: Phoenix Financial Services LLC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that NAVIENT has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
Company: BANNER CORPORATION
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:
XX/XX/23 I realized my business bank acciount was cyber hacked. My bank approved XXXX dollars to be unauthorized through web payments on my bank account. I contacted branch manager and they declined the following credits. All of theses charges are being fraudulently approved threw banner bank. My name, Id, signature, business name was never on any of these 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 explanation
Consumer complaint received 2022-03-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Bank of America, loan officer, XXXX XXXX XXXX, still struggling with reporting my pre-approval application after almost four months. Have someone who wants to put title of his property in my name, but, being delayed due to 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 explanation
Consumer complaint received 2016-02-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX is reporting a loan that charged off back in XXXX as 120 days late as of XXXX. That is wrong. If it charged off in XXXX how can they continue to report me and my wife late in XXXX? XXXX XXXX has already deleted the item but, the other XXXX bureaus are showing invalid data that is destroying our credit scores. Please hold XXXX accountable to the FCRA and make them remove the lates after the account charged off XXXX. We have disputed the account via the credit bureau dispute process, 4 times and they still refuse to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Hello, My name is XXXX XXXX and I'm not sure if I am in the right category of complaint as there was no exact option. I have a major complaint against my Loan Servicer, LoanCare ( XXXX XXXX XXXX XXXX   XXXX specifically ). I've called them and emailed them over 8 times in the past 3 months to try and get my PMI removed as I have enough equity in the property and have passed the FHA length of stay guidelines to do so. All I need is an appraisal. This should be very easy! 

I've sent 3 emails via my online portal about removing PMI, each time I follow up within a week or two and they say they can't find anything after transferring me to 3 departments. Every call is at least 45 minutes in length. This should be a federal crime as I'm trying to get an appraisal to legally get my PMI removed and they don't have the infrastructure in place to support this and are essentially stealing my {$500.00} plus a month by not contacting me back. 

I am completely unsure of what to do next, please take action against this atrociously run company. 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation