BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-27
Company: CU Recovery, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I took out a personal loan from XXXX XXXX XXXX XXXX XXXX based in XXXX, GA. I fell behind on the loan. I was unaware that XXXX XXXX XXXX had assigned out my loan to a company named CU Recovery until I contacted XXXX XXXX XXXX to ask about sending  payments. After the call with XXXX XXXX, almost immediately, my brother and my elderly mother, both who live in other states from me, started to get very threatening messages on their cellular phones from a company purporting itself to be " XXXX XXXX XXXX '' and stating that I had a " Civil Complaint Filing '' in XXXX County Tennessee. On both messages the man left his name as XXXX XXXX along with the number XXXX. 

When I called the number the receptionist answered the phone CU Recovery. 

They violated the FDCPA by misrepresenting who they were and also by misrepresenting the nature of the debt by claiming it was a 'Civil Complaint Filing '' which sounds like a lawsuit. 

This was intentional. 

Also, this company had my phone number but they chose to not call me and to instead call and harass my family members whose names were on my credit union account as emergency contacts. 

This was done to intimidate and humiliate me. 

When I spoke to this company they verified that they were calling on my credit union account. But then they shut down and refused to identify themselves when I asked again. Because I was still perplexed as to why they would leave another companies name on the voicemails. 

I had to contact the credit union that stated it was CU Recovery that  had my account and on hearing what this company was doing.. the  credit union pulled my account from them and it's back with the credit union . 

I filed other complaints with the XXXX  about their tactics and CU Recovery LIED to the XXXX  and said they did not leave XXXX XXXX XXXX or use that name. But they did. The number left for me to call went back to CU Recovery and the credit union confirmed they were the ones with the account and indeed they tried to collect on the account. The account was only with their agency and no other before being pulled back. 

The company, XXXX XXXX XXXX, is a FAKE COMPANY, created by CU Recovery - that allows them to contact and harass the family members of debt holders with anonymity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act. XXXX XXXX XXXX account number # XXXX and XXXX XXXX XXXX account number # XXXX and XXXX XXXXXXXX  XXXX  account number # XXXX and XXXX XXXX XXXX account # XXXX have violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: EQUIFAX, INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I did not give prior written consent to have anything furnished on my credit report, reported below. No consent is fraud pursuant to 15 US Code 1681b Permissible purpose of consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
Company: FCI Lender Services Inc.
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXXXX/XX/XXXX is a collection agency for the XXXX XXXX and is trying to collect a debt that has been discharged through bankruptcy more than 9 years ago. In addition to the discharge on Chapter XXXX, the house was foreclosed on XX/XX/2018 completely clearing me of any debt that's owed. I continue receiving debt collection letters and threatening statements that they'll report to the three major credit agencies if I don't make new arrangements.

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 2019-11-06
Company: EQUIFAX, INC.
State: SC
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 notified Equifax by mail that account XXXX   XXXX {$3500.00} is a fraudulent account and stems from identity theft. I submitted a fcra 605 ( b ) letter requesting the account be blocked and removed from my credit file. Along with the letter was the id theft report. I did not receive communication from Equifax notifying me that the block request under fcra 605 ( b ) was not honored and stating a reason why. Equifax then placed a fraudulent account under regular dispute. 

This fraudulent account should be removed from my credit file due to not notifying me in writing within the time frame under fcra 605 ( b ) if a block and deletion of this account was rejected. If this account is still on my credit file from 7 business days of Equifax responding from this complaint. I will sue Equifax in small claims court for fcra 605 ( b ) violation and punitive damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
Company: BB&T CORPORATION
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I have tried on numerous occasion to speak with company in regards to having debt removed from credit report but nothing has been done. Account is apart of bankruptcy and should be removed.

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 2019-11-06
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had XXXX XXXX account. I would notify of frauds-bank would never process FRAUDS OR credit Frauds and XXXX XXXX closed my account by messenger at XXXX XXXX AT NIGHT.

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 2017-09-15
Company: MIDFIRST BANK
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX my house was struck by lightening and hail that seriously damaged my roof, sidings, ceilings and electrical components of my air condition unit. I filed a claim the same day with the insurance company ( XXXX XXXX XXXX ). It took till XX/XX/XXXX for the insurance company to send a check of {$11000.00} as their final offer made payable to my mortgage company XXXX Midland Mortgage XXXX. Midland sent me the check on XX/XX/XXXX to endorse which I did the following day and sent back to them. My XXXX estimate was {$12000.00} after shopping around was the lowest with same warrantee. I have fixed the air condition at cost of {$4800.00} with my own money because I could no longer wait for them due to the heat.I continued to call and write midland mortgage for the insurance check, they will tell me bring this document next time another, eventually XX/XX/XXXX they acknowledged that all documents are complete. It took till XX/XX/XXXX to send me {$2800.00} after many calls and emails to start work which the XXXX refused as inadequate to do anything. I contacted Midland and they told the XXXX to send payment schedule which he did XXXX start XX/XX/XXXX - XX/XX/XXXX XXXX half at start and balance at finish. As at today XX/XX/XXXX, I have not received a dime, I call and send email every other day, is XXXX excuse after the other. I can not get a reason why they are holding the money but I am paying {$2000.00} a month. At this point my roof is about to collapse and the hurricane wind in XXXX did not help. When I ask to speak to a supervisor they will put me on hold and the same person comes back and claim to be a supervisor that is when I started to record them which I informed them but that did not stop the shady practice. I bought this house XXXX years ago, the horror I have had with midland mortgage is beyond XXXX dishonesty and deceit is almost criminal at best.They never acknowledge or respond to letters that is why I only send emails for documentation.I paid for the insurance and I am not asking for a hand out plus they are not paying interest on the money.When I contacted XXXX Adjusting, they told me there is nothing they can do for me and would not give clear reason why they send the check to XXXX mortgage except that is there contract with XXXX XXXX want my house to habitable before XXXX XXXX XXXX enforcement unit steps in which will be troublesome.

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 2021-12-13
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:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX  Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: AFNI INC.
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Made a complaint with the CFPB, complaint XXXX, the company responded but did not address what was listed as the complaint type. 

AFNI has not provided written communication of attempts at collecting a debt and doesnt provide the ability to dispute a debt prior to reporting it to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: EQUIFAX, INC.
State: NC
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 never gave consent for Equifax to share/make/furnish a credit report for me. 
They assumed the responsibility on reporting without my consent. 
I never gave permission or consent. They didnt hold their grave responsibility. This violates my consumer privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Fear Consumer Financial Protection Bureau, I live in Florida, and due to the XXXX disaster I applied to FEMA help. There i was told to call my mortgage company ( OCWEN ) to request few months forbearance at not cost added to the end back of the loan, since this is a Federal Law. I called Ocwen on XXXX XXXX 2017 and asked, they told me that they could give me 3 months without payments and then start paying those 3 months in the amount of {$5700.00} divided by 6 in the following six months plus my regular payments. I asked them why they where charging me {$5700.00} for 3 months if my regular payments are {$1300.00} and this multiply by 3 will be XXXX. They said that was the offer. So I escalate this issue to different managers and after 2 days of fight they said it was a mistake. 

Now I called on XXXX XXXX, I kept asking for 3 months added to the back of the loan ( the minimum the law says, I understand it could be up to 12 months ) and they said they do not have that offer. I told them this is a Federal law, finally they said that they are not saying they will not follow the law but that this option is not available now is under discussion ... 

I appreciate your help because i have been trying my best to deal with them, but instead of helping they are trying to take advantage. I just need some time to get back on my feed, considering i also have to pay my house taxes. 

I appreciate your help in advance. 

XXXX XXXX OCWEN Loan Servicing, LLC Account Number XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX agents ID : XXXX XXXX / XXXX XXXX / among others My email address is : XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25
Company: ALLY FINANCIAL INC.
State: NE
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/XXXX our company finished up a lease with a company truck. At this time we were sent an invoice that had some erroneous charges on it. On XX/XX/XXXX our company sent a check for {$840.00} and very clear terms as to what this payment was for and how it was paying off the remaining debt on the auto loan as we did not agree with some of the charges for alleged damages that Ally tried to charge us for. In this letter with the check we also very clearly stated this payment should be considered full settlement for this loan and cashing the check would be considered acceptance of these terms. By XX/XX/XXXX Ally had cashed this check and sent us additional invoices for what they considered an unpaid amount. We had clearly disputed this amount in our previous letter as well as numerous calls back and forth between our company and Ally. By XX/XX/XXXX they sent us a notice that they were going to report negative information to the credit agencies and proceeded to do so, at this time they also sold the debt to a third party debt collector. At this point every attempt to contact Ally about the account in question was met by them immediately transferring our calls to the third party debt collectors. Ally has since sent this to 3 different debt collectors including XXXX XXXX and most recently XXXX XXXX XXXX. After speaking with these debt collection agencies and sending them all of the correspondence including the attached paperwork below they refuse to pursue the debt and send it back to Ally. 


As you can see from the attachment below a check with was sent with clear terms outlined that it was for full satisfaction and accord, or as provided by UCC 3-311 the claimant sent a conspicuous statement to the person against whom the claim is asserted that communications concerning disputed debts, including an instrument tendered as full satisfaction of a debt, are to be sent to a designated person, office, or place. 

You can then see Ally clearly cashed this check and credited our account with the corresponding amount. From here there has been a never ending flow of calls/paperwork as they pursue this debt and refuse to deal with us directly.

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 2021-04-08
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I just got in the mail checks from TD bank and I have never opened an account with them. The name and address on the account is me, but the phone number is one I've never seen. I've been trying to get through to TD bank but their customer service requires me to have an account to talk to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Hi, I applied for public student loan forgiveness two years ago, the beginning of XXXX, and my loans were transferred to XXXX at that time. I have income-driven repayment, and have made all my payments on time in the correct amount, about 23 total I believe. XXXX is saying that I have only made 10 qualifying payments total, and that I won't be eligible for forgiveness until XX/XX/XXXX ( when it should be XXXX orXX/XX/XXXX since all my payments should be qualifying ). I have called to have it fixed, the rep did try and help and said he would submit it to have it fixed, however I never heard back and this was about a month ago. I have tried getting in contact with customer services in several other occasions since then, no luck. I need to have this corrected as I am worried that I will never be eligible for forgiveness if they continue on at this rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
Company: SUNTRUST BANKS, INC.
State: NC
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:
My credit report showed an {$10000.00} home equity line with SunTrust as open when it was closed in XXXX. It was to be on my credit report until XXXX of XXXX. It showed a excellent payment history since the XXXX 's. I was trying to clean up my credit report after dealing with identity theft. And requested they mark it as open. Instead of fullfiling my request as it should have been handled, they deleted it instead. 

After cleaning up my identity theft on XX/XX/XXXX my XXXX was at XXXX after some very hard work cleaning up what had happened. When SunTrust deleted one of my credit histories with them instead of closing it like it should have been, my credit score with XXXX dropped immediately to XXXX overnight! XXXX told us that the fact that they deleted, instead of closing it, has they should have, caused me to suffer the score damage that resulted. They said this looks like we defaulted on the line as it was not to be it before deleted before XXXX of next year. 

I approached SunTrust by mail and by phone about this. In all cases they said now that it was deleted there was nothing they would be willing to do about it. 

I will be happy to provide copies of letters from SunTrust or any other information upon request.

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 2019-02-25
Company: All Credit Considered Mortgage, Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I'm a Certified real estate XXXX in the state of Georgia # XXXX. I performed an appraisal for a conventional mortgage loan/purchase for XXXX XXXX XXXX Mortgage , Inc. ( XXXX Mortgage ). Georgia Mortgage XXXX XXXX # XXXX and MD XXXX # XXXX. They chose XXXX XXXX as the appraisal management company to handle the appraisal for this loan. I completed the appraisal for them as ordered and have not received payment for services rendered. XXXX XXXX has since closed it's doors, so I contacted XXXX Mortgage and requested that they pay for the services they ordered. I was simply told they wouldn't do so. 


My question is, would XXXX Mortgage be required under XXXX XXXX to assure payment for services they caused to be ordered for products they used to get a loan processed? Also, I would think that the truth in lending statements aren't accurate regarding the XXXX fees as none were actually paid in this instance. 

Thank you.

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 2018-04-16
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
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: Card was charged for something you did not purchase with the card

Complaint:
I have a USAA Visa Credit Card. I started getting charged for two subscriptions that I never subscribed to. I called USAA about these charges and they were reversed for the XX/XX/XXXX, and XX/XX/XXXX charged. But to have the charges reversed, I had to have that credit card cancelled and a new card issued. I thought that resolved these problems. I was not informed that the companies would receive from XXXX my new credit card number, expiration date, and security code. But these companies did receive that updated information -- which I was unaware would happen -- and charges were continued. 

It is unbelievable that companies making fraudulent charges on a credit card would receive information about a new card being issued! 

Details are as follows : XXXX charges of {$7.00} on XX/XX/XXXX, {$7.00} on XX/XX/XXXX, {$7.00} on XX/XX/XXXX and XXXX XXXX charges of {$9.00} on XX/XX/XXXX, {$9.00} on XX/XX/XXXX and {$9.00} on XX/XX/XXXX. 

USAA has told me that to have the charges from XX/XX/XXXX and XX/XX/XXXX I will have to have my credit card cancelled again and have a new card issued again. I find this unacceptable. 

I spent hours on the phone trying to get in touch with XXXX and XXXX XXXX and was told that the accounts would be cancelled but they would not give me any information on how these accounts were opened with my credit card information. I

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation