BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-08
Company: STONELEIGH RECOVERY ASSOCIATES, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The phone number contacted, the person contacted, was not asked to identify themselves, the person who answered said " I don't believe this. '' and hung up. 
Within 40 seconds, the phone rang again from the same number, so I answered the phone, I began asking questions and when I mentioned the direct violations of both State and Federal violations : Calling more than once per day after having made contact Failure to identify with whom you are speaking with, ie ; " You are XXXX XXXX XXXX? '' " What is your SSN '', when I refused to give that information, I asked " What information can you give to me? " ... as a debt collector, I can refer to an address, the last 4 of a social, date of birth, etc. and then say that I either have the correct person on the phone or vacate the call with an apology. 

Disclosure to an un-known party on the telephone ... who the client is. 

These are all direct violations of all the State and local laws that each and every Americans holds dear and have the right to enforce. 

This company appears to have no training, doesn't follow Federal law and allows their employee 's to break Federal/State law at will, as I was told repeatedly that no laws had been broken without the definite confirmation that " XXXX XXXX '' was speaking to the correct person. There was no Mini-miranda given and he refused to acknowledge any information other than my name, no confirming address, last 4 of the social, date of birth ... .nothing. 

We ended the call with I said it was XXXX in the long form and I was told that I need to rectify my response to him over a bad word. 
I still maintain XXXX because my legal rights, as an American consumer have been violated in the facts that you see above.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
Company: Experian Information Solutions 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:
This is a previously disputed account with XXXX and XXXX. No method of verification was provided. According to 1319.12 O.R.C.- ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill , or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors.

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 2021-11-27
Company: Jon Barry and Associates, 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: Information belongs to someone else

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below. 

To Delete any and all accounts that do not have Verifiable physical proof including the ones below : XXXX XXXX XXXX Account Number - XXXX Amount - {$2100.00} XXXX XXXX XXXX Account Number - # # # # # # # XXXX Amount - {$920.00} XXXX XXXX XXXX Account Number - # # # # # # # XXXX Amount - {$1000.00} PARAGON REVENUE GROUP Account Number - # # # # # # XXXX Amount - {$180.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX XXXX Account XXXX XXXX, Account Name : XXXXXXXX XXXX/Account # XXXX, Account Name : XXXX /Account # XXXX, Account Name : XXXX XXXX XXXX XXXX/ Account # XXXX, Account Name : XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2018-12-19
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: Their investigation did not fix an error on your report

Complaint:
My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and they have verified it. The accounts were not reported correctly and I would like it fixed. Please CFPB step up and correct the status because I was never late on my XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
Company: Volvo Car Financial Services U.S., LLC
State: TX
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:
Had an 800+ credit rating for 8 years until Volvo Financial Services became grossly negligent in the handling of my dispute and subsequent inaccurate credit reporting.

- Volvo updated my home address and updated all credit reporting companies with an address that was not mine.

- No correspondence was received regarding any disputed balance amount. Volvo records can confirm this mistake and my address was updated.

- Volvo reported negative feedback on my credit report.

- To mutually resolve Volvo agreed to a new balance due of {$680.00} which was paid immediately on XX/XX/XXXX at their request. 
- Volvo then reported I had an outstanding balance of {$160.00} to credit agencies and listed me a charge off - Upon contact I agreed to pay an additional {$160.00} as noted below to finally clear up their mistakes - Now they have listed a charge off on my account in excess of 3k which never existed nor is owed. 

Volvo Financial Services Dept is dangerous and incompetent to work with. I have been trying to clean up the mess they made of my credit history for over a year. Absolute negligence on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Company: Santander Consumer USA Holdings Inc.
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
My name is XXXX XXXX. I can be reached at XXXX, XXXX and /or XXXX. I traded in a XXXX XXXX that was financed with Santander Consumer USA. My loan payment is withdrew by XXXX XXXX which also goes by the name XXXX XXXX   My loan payment is withdrew from my bank account each month by XXXX XXXX on the XXXX  of each month and sent to Santander by the XXXX. The XXXX XXXX was paid off on XX/XX/2018  by the XXXX XXXX dealership located in XXXX, Indiana. When I called Santander on XX/XX/2018 they told me they never received a payment from XXXX XXXX. XXXX XXXX faxed them the ledger showing the payment had been sent to them by XXXX-18. They changed their story three times in a matter of 2days stating the payment had been applied to someone else 's account then it had been sent back to XXXX XXXX then admitted they owed where an overpayment of XXXX had been made to the account. I have called everyday and been told that I would receive a refund in the mail in 21-45 days although they have had the overpayment since XXXX-18. This has adversely affected my bank account and caused me to  lose a great deal of money in fees. I have the names of all of the individuals I have spoke with at Santnader and I have only one statement that has been sent to me in the duration of a in excess of a four year loan. All of my payments have been made and received before they were due. The statement urges all of their customers to use XXXX XXXX therefore Santander must have a strong working relationship with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: CONTRACT CALLERS INC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have never had any signed contracts with these collection agencies and they also do not have a legal practice for the State of Georgia. I don't have any recollection of this debt of Contract Callers {$400.00} It violates my Consumer Rights according to XXXX  practices that my personal information was given to these above listed companies.

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 2023-05-16
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I deposited an insurance claim check from XXXX for XXXX in the ATM and forgot to endirse the check and now Wells Fargo is holding the check for 10 days before processing it 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 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I sent a letter to XXXX, Transunion, and XXXX on XX/XX/2022 in regard to late payments being reported on XXXX 2022 by " XXXX '' and XXXX and XX/XX/ 2022 from XXXX and XXXX XXXX. Due to the Heroes ACT ( Section 110401 ) these late payments were violating my rights due to reporting late payments on my report during the pandemic time period. I advised in the letter i sent that they were violating my rights due to 15USC 1681a ( 2 ) ( A ) ( i ) in the exclusions from a consumer report section which say solely to transactions or experiences between the consumer and the person making the report. This has been a huge detriment to my life and needs to be rectified immediately.

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 2018-05-21
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
There was an American express XXXX XXXX  card applied for in my name without my permission I did not apply

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
They are calling my work for a bill I don't owe. I asked for proof of a bill but they won't send anything. I have told them repeatedly to stop contacting me at my work number and they continue to call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-20
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I got a call from Chase asking me to confirm a transaction from XXXX to Chase. They called a rep from XXXX and confirmed my account. Then the Chase rep left the line without warning and left me alone with the XXXX rep. I tried to call them back but they had called me from an outbound only number. I tried to log into online banking and found out my online banking was locked AGAIN. They've locked me many times in the past month each time for something very minor. Unlocking the account requires hours on the phone on hold, and sometimes visiting branches in person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21
Company: Patenaude & Felix A Professional Corporation
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2018 I was served a summons to settle a debt. The summons was dated for XX/XX/2018 exactly a full month before I received any word of this summons. To top it off I was served on a Sunday when the courts are closed giving me no possibility to respond to the summons. I was not made aware of this summons in any way before the date to respond expired.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
Company: Complete Credit Solutions, Inc.
State: IN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXX I applied for and received an online loan from XXXX. The loan amount was {$800.00} with 17 payments of {$130.00} totaling {$2200.00}. I made several payments totaling {$930.00} which was more than the amount we loaned to me. In XXXX, I had some financial and health issues come up and I couldnt make my payments. Not knowing what the online lender could do I contacted the Indiana Department of Financial Institutions and the Indiana Secretary of State, both of which informed me that XXXX wasnt licensed in the state of Indiana, theyre tribal leaders and charged illegal rates of interest. They advised me that the loans were illegal thus making them null, void and uncollectable. Upon receiving this information I contacted XXXX via phone and told the what I was told. After that conversation I still received emails from them trying to collect money from me. On XX/XX/XXXX, I received an alert from my credit monitoring app that a collection account was added. The account was reported by - Complete Credit Solutions , Inc . 
In regards to the XXXX account. After making several phone calls I was told that XXXX sold my account to this company. I contacted XXXX and once again advised them that the loan was illegal thus making it null, void and uncollectableband that they needed to pull back my account from the collection agency. They said they a case manger would look into it. I wasnt given any time or even the persons name. I then contacted Complete credit solutions- who were very rude and basically said that they have money on this account and I needed to pay. I advised them that the loan was null, void and uncollectable but they insisted that this legal for them to report this to the credit bureau. I have since then filed a dispute within the credit bureau XXXX. 

I also had another loan with XXXX that I received in XX/XX/XXXX paid in full in XX/XX/XXXX. Loan amount was {$800.00} total amount paid {$2000.00}.

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: WESTERN UNION COMPANY, THE
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
After Hurricane Irma, I send my children up North to Maryland. While visiting XXXX, my son ran out of gas money so I wired him {$100.00} via Western Union. At XXXX on XXXX/XXXX/XXXX I sent my son XXXX XXXX {$100.00} via Western Union online services. I received an email shortly after submitting the money transfer request informing me that the transaction was being reviewed. I contacted Western Union. After waiting on hold for nearly 20 minutes, a male answered and reviewed the transaction, they transferred me to Compliance after nearly 10 minutes the call dropped. I called back after waiting another half hour the male representative informed that the account was being reviewed for fraud, I explained that I did not understand. I am sending money to my son and have done so in the past. He stated that he would send Compliance an email to resolve the issue. A couple of hours later I reviewed the status online and it stated that money was ready for pick up. My son located a pick up location after showing his Florida drivers license he was told he it was not available. The time was close to XXXX. I called WU again, again long wait. The male customer service agent stated he would send Compliance a  message, I said no I wanted to speak with them now. My son was without gas in XXXX. He stated that they would call me in less than 1 hour. it was getting close to closing time, WU locations close at XXXX. I called my son and told him to stay put. I called a relative in Maryland to pick him up. They did n't arrive until midnight to pick up my son and I was worried sick. The next day on XXXX/XXXX/XXXX I called WU and asked it money was ready for pick up, same story Compliance needed to verify my information, I was transferred over, call dropped. On XXXX/XXXX/XXXX I called again this time a XXXX told me to hold that he would reach compliance after I demanded a refund of money and fees. He put me on hold for 15 minutes came back and said everything was resolved money was ready for pick up. I had my relative take my son back to XXXX to retrieve {$100.00} because the pickup location was XXXX. Once he arrived in the evening he went to another WU and was told that money was not available. He called western union to verify information. I called and was on hold and then again called again and nothing. I kept getting transferred between foreign speaking individuals that spoke English with a heavy accent. Finally I got fed up and asked my relative to give my son {$100.00} for my son to get back home. on XXXX/XXXX/XXXX, at about XXXX I called WU again and after much waiting I demanded a full refund of {$100.00} and fees for a total of {$110.00}. Male informed that he would send it to appropriate department and that someone would call me within 24 hours, even though I demanded to be called back within 1 hour. 24 hours have come and gone No CALL, NO REFUND!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: EQUIFAX, INC.
State: OK
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:
XXXX accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and have violated my rights XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX In violation of : 1 5 U.S.C 1681 section 602 A. States I have the right to privacy.

1 5 U.S.C 1 681 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Company reported me to credit agency on the presumption that a sole piece of regular mail that it sent to me was received, and ignored. I did not receive the mail that company sent me and this is the second time in approximately four years that this same situation has arisen with this particular company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
Company: Cottonwood Financial Ltd.
State: IL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I received a call from a woman named XXXX who is collecting a debt for Cottonwood Financial ( or The Cash Store ) and she repeatedly talked over me. I explained to her that I did not want her to ever call me again and she continued to speak over me. I asked to speak to her supervisor and she was even worse. I tried to ask for the collection agency she worked for and all she said was XXXX. I dont normally answer a Texas phone number however I was in my car and answered it, and she immediately started to be hateful once she found out I did not have a job to pay the debt.

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