BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-22
Company: ERC
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
ENHANCED RECOVERY CO ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX, FL XXXX PHONE : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear XXXX : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you ENHANCED RECOVERY CO or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : ENHANCED RECOVERY CO or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX XXXX XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-09
Company: CAINE & WEINER COMPANY, INC.
State: UT
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
This company is trying to collect a erroneous debt that we do not owe. They continue to call me and email me after I have told them more than once that I disputed the debt and to stop calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23
Company: CarMax, Inc.
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I 've never liked the vehicle I purchased from carmax. Unfortunately, when I bought the car I was working close to XXXX hour weeks, so I did n't have time to return it within the time allotment. 

In XXXX, I went to return the vehicle and they were going to allow me to return it if I paid an {$80.00} fee. Now, they are allowing me to return it, but the new balance has increased to {$1500.00}. 

I 've been in and out of the hospital for the past XXXX months. I want to return the vehicle but I 'm afraid they are just going to screw me out of even more money if I surrender it instead of return it. 

I 've been disappointed in carmax for a while, but I do n't know how else to resolve the problem. I ca n't pay for the car or the upkeep or the insurance, and I do n't have money to file for bankruptcy ... which would be the only real option for me at this point. 

My debt is already uncontrollable. 

Please help me. 

Thank You,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29
Company: DHI Mortgage Company
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
Signed contract and applied for a End Loan with XXXX XXXX/DHI Mortgage in XXXX XXXX. I provided all my documentation right away within 30 days of the original contract date ( information was sent by way of email directly to the Mortgage Loan Officer ( MLO ) and can be provided ). Per the contract I was suppose to have a pre-approval within 30 days of the contract. I did received a pre-approval/Conditional approval letter until XXXX/XXXX/XXXX and the home was completed the end of XXXX XXXX. Through this process my credit report was pulled multiple time with out my knowledge ( my credit score started and remained over XXXX last pull my credit score was XXXX. Each time a different hurdle came up. I jumped through hoops each time to satisfy the request. In the end the loan was denied stating it did n't meet their guidelines. The contract was voided without my knowledge and I was n't even given the 45 day notice to obtain financing with another lender. The sale price on the property was {$250000.00} and it on the market for {$270000.00}. The home appraised higher than anticipated therefore I feel my family and I have been taken advantage of in many ways.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: Bread Financial Holdings, Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have recently requested that information my credit report be removed to the fact that when I settle with my closed accounts I was promised the removal of closed accounts if I settled with second party agency that house my debts This information was false or misleading and is a direct violation of the consumer law I have stated this many of times and have been ignored repeatedly I just want these closed accounts remove off my credit report immediately from all three bureaus 15 U.S. Code 1692e. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I have a payroll account for my job with TD bank. I set my initial account XXXX 2015. Someone via XXXX accessed my account in XXXX this year. 
TD 's solution was to 1. freeze my account or 2. close and open a new a account. I chose to open a new account. The Fraud department of TD did an investigation and told me that the person who accessed my account had closed the account so there was no way to retrieve my money. While I was very upset, I let it go since the total was under {$5.00}. Today I noticed my account was short. Upon investigation, XXXX has again accessed my account on XXXX occasions totaling {$340.00}. The Fraud department 's solution is freeze my account. That is not possible since I have pending charges and bill payment set up. I want to know why TD is not accounta like other banks. With XXXX, that money would be back in my account while there is an investigation. TD 's resolution to my first breach was " that person closed the account we ca n't get your money back ''! 
Where is my consumer protection?! Take it up with XXXX. 
Why are they not accountable? I am closing my payroll account today and will no longer use the Worlds ' Most Inconvenient bank. Someone should look into this. TD tells me that my account was breached using my routing and account number both time. I feel that this is a breach in their bank system. I am sure upon further investigation it will be revealed. 
In the meantime, I am out of my hard earned money due to this bank 's lack in oversight and protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been a victim of identity theft. I recently reviewed my credit report to find request for information but this is all Fraudulent request. I have not applied to any of these places.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22
Company: Empowerment Ventures, LLC
State: PA
Product: Prepaid card
Sub-product: Transit card
Issue: Adding money

Complaint:
I loaded XXXX dollars to my prepaid rush card this afternoon. My card doesnt show the load. The reps are not helpful. They insist system is down. I need that money. If they are having so many issue 's then why allow money to continue to be loaded. I need my money. Then im closing the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-10
Company: EQUIFAX, INC.
State: LA
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've been disputing inaccurate accounts with Equifax the past 6 months via USPS Certified Mail. While some items were corrected some items still remain inaccurate see attached dispute letter .... These specific accounts XXXX XXXX, XXXX, XXXX, XXXX, is recorded in negligence and needs to be removed. I've been disputing this XXXX  account 6 months now with Equifax and it still reports an inaccurate Open account status, an inaccurate open account rating, an inaccurate Late 120 days payment status, an inaccurate past due amount. Equifax remains in non-compliance.This XXXX  account needs to be deleted from my credit file ... ... I've been disputing this XXXX XXXX account for 6 months now each bureau has a different record date of last activity XXXX  Date of Last Activity reports XX/XX/XXXX, XXXX  date of last activity reports XX/XX/XXXX, and Equifax XX/XX/XXXX , XXXX XXXX still reports a payment pattern to XX/XX/XXXX which leaves Equifax in violation thereof ... .Equifax records both XXXX accounts inaccurate, I've been disputing these XXXX  accounts for 6 months now with Equifax, and it still reports an inaccurate Open account status, an inaccurate open account rating, an inaccurate Late 120 days payment status, an inaccurate past due amount. Equifax remains in non-compliance. Both XXXX  accounts needs to be deleted from my credit file. Moreover this account public information still records erroneously and needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17
Company: GOLD KEY CREDIT, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
Stated their company does not maintain a " Do Not Call '' list after I asked. Stated they have the legal authority to call a cell phone after I informed them not to contact me on that phone. Ignored the National Do Not Call registry. Refused to answer all of my questions without me first stating my name. Stated they will call again. http : //www.goldkeycreditinc.net/

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
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 have an account on my ( 3 ) credit bureaus, the account is Bank Of America.

I contacted them a year ago and submitted a fraud claim, due to the account not being mine. I was informed to move the process along that if I paid the account off, that the account would be removed from my credit reports. 
Not just cancelled, removed permanently. 
I have spoke to several representatives and they have stated that they account should have been removed but it still is reporting inaccurate information to my credit reports. I keep getting transferred over and over again, I need this removed as soon as possible as promised.

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 2016-05-19
Company: SQUARETWO FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Several related complaints : 1. Cach , LLC purchased the original debt from XXXX ( managing company for XXXX XXXX XXXX ) 2. XXXX XXXX was the attorney collecting for Cach , LLC. 
3. XXXX successfully began a wage garnishment from my employer. In a discussion I had with this company, they lied about the original amount and said they were asking for {$250.00} per month. The amount is actually {$250.00} per biweekly pay period. This should be available on the recorded line we spoke on. 
XXXX. XXXX XXXX XXXX somehow became the new debt collector, taking over for Cach , LLC. in the collection process. 
4. XXXX XXXX XXXX began collecting for the full amount of the debt, and claimed no prior knowledge of the payments that I had been making for the past two years and also claimed no knowledge of the garnishment. They just started collecting again for everything. I explained they were collecting double and was told this was for a different debt. It is not. 
5. On XXXX I spoke to XXXX XXXX XXXX and was told my existing balance was {$1000.00} and that the last payment was made on XXXX/XXXX/16. 
6. I asked XXXX to note my account with the following information : The payment for {$250.00} that was received on XXXX must have been from my XXXX paycheck. On XXXX and XXXX I paid {$250.00} out of each of those paychecks as well. So, according to my calculations, I would only owe {$580.00}. 
7. I requested a copy of the last statement they sent my employer, with the amount they say I still owed. The representative I spoke to refused to provide this information, telling me to get it from my employer ( again, please listen to the call recording ). 
8. After some discussion, I was told that XXXX XXXX would call me back and let me know if they could accomodate this request. 

Complaint is for collecting for a debt that already had a wage garnishment in progress, not providing correct information, misrepresenting themselves as a branch of the government ( they sent documentation that I was being sued again ) and refusing to provide information when asked about this debt. 

Additional complaint is about the interest charges. I am being charged interest on interest and the payments I made are not going to the principal first. The interest rate and fees that I have been charged have been grossly unfair.

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 2016-01-07
Company: SCOTTRADE BANK
State: CT
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Scottrade Bank was hacked, yet Scottrade Bank staff refuse to acknowledge that the XXXX of customer credentials exposed effected both Scottrade XXXX and Scottrade Bank accounts. 

I have written to Scottrade Bank, Scottrade XXXX, and Scottrade XXXX XXXX on a number of occasions and they al refuse to respond to my complaint. In turn, after a number of phone calls to management, I received a phone call from the branch manager who said my account had been permanently frozen and will be closed shortly. Allowing my no opportunity to withdrawal the funds and giving me no ability to plan financially. The branch manager at Scottrade was very rude and acted as though he did not care that I have paid XXXX in fees for the past few years. My last quest was a request that I talk to the legal department, Scottrade profusely declined and has since then blocked my calls. 

I am writing to the CFPB in hopes that Scottrade will provide an appropriate and customer friendly response.

Company response to consumer: Closed
Consumer complaint received 2015-10-22
Company: Empowerment Ventures, LLC
State: SC
Product: Prepaid card
Sub-product: ID prepaid card
Issue: Unauthorized transactions/trans. issues

Complaint:
Looked at my deposit this morning and it is not accurate ... Rushcard deposiy only XXXX into my account when it should have been XXXX I have been on hold for 30 minutes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
After waiting over 90 days for a response, they send a template response back that I should wait LONGER. This is unacceptable. The FCRA gives them 30 DAYS. They have taken over 90 ; this is a violation and they are required to remove all of the accounts that they have failed to investigate. There is no way that the FCRA should be ignored and I have to suffer, especially during a time when credit is needed for employment, dwelling, insurance, and more. There is too much going on right now to request a consumer to wait EVEN LONGER than federally mandated. The FCRA was created for a reason. They are to follow it. Every item 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 2016-09-08
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I XXXX XXXX XXXX, need help with my home, we complied with all the requested documents sent for modification to Bayview Loan Servicing. We were told we did not qualify. We confided in a person from XXXX and we were told to take our documents we did we had n't heard from this person who told us everything was fine do n't worry we waited and waited. we decided to go to the office and we were told this person no longer worked there. Now we are facing pre-foreclosure we have XXXX children and no where to go we sent letter to Bayview please help us save our home. My wife lost her business work was slow for me. Now I am the only wage earner we are struggling we want to save our home please help us. If we knew this person was n't doing anything to help us we would have struggled our best to pay our mortgage and not fall into default. Please help us. Now we have someone helping us gather all the documents together and making copies.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23
Company: Empowerment Ventures, LLC
State: NC
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
I have been a Ruch Card holder for over 4 yrs. I am not able to get my money for over 2 weeks. My bill have fell behind and I am about to be evicted from my apt . I am at my witts end on what to do. Please help me get my money off my RushCard. 
XXXX XXXX Worried

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-11
Company: Ocwen Financial Corporation
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: Account information incorrect

Complaint:
I have filed several complaints about Ocwen Loan Servicing about inaccuracies they have reported to the credit bureau. They removed it after I filed several disputes, However it has returned on my credit report on XX/XX/XXXX causing me to drop 40 points. I was told by a PHH representative that It has been reported that on XXXX of XXXX I was 30 dats past due during a transitional period when my loan was transferred from Ocwen to PHH. I have pulled my credit report and it only shows I was late in XXXX & XXXX of XXXX. I have researched my payment history with my bank and found 1 payments that appears to be made in XXXX and 2 in XXXX that verifies I was on time. I have attached the proof documents to this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06
Company: NRA Group, LLC
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I contacted National Recovery Agency with a debt validation request and they failed to respond to my request. Please investigate this matter. I do not recognize this collection account.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
AFFIDAVIT : In this court of record I, XXXX XXXX XXXX, a man, swear under oath and penalty of perjury that all herein is true as follows I am a victim of identity theft and fraud and XXXX, Equifax, XXXX are continuing to report fraudulent accounts on my credit profile after I informed them of the fraudulent accounts in which are causing me harm, injury and damage in the public. 

s : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: John C. Heath, Attorney at Law, PLLC
State: GA
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:
I have been disputing all late payments with this company for years even hired a credit repair company was charged hundreds of dollars, they even disputed the late payments and they never enemy responded to the disputes and they have damaged my credit tremendously, they even whet into my wifes account and took an unauthorized payment out of her account only because she had used her account previously to make a payment for me, this caused her account to be seriously overdrawned

Company response to consumer: Closed with explanation