BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-08
Company: Cohen & Associates
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX I received a voice mail from the " Litigation Department of Cohen And Associates.Stating That XXXX Bank was taking me to court that week and once a verdict was found against me my wages could be garnish and even bankruptcy would n't relieve me from the debt. So I called Cohen & Associates and was transferred to the " Litigation Department '' and a very authoritative XXXX XXXX XXXX, tells me that unless I make a payment immediately his lawyers were going to go before the judge and get my case on the docket. I have a settlement letter from him saying that XXXX bank is suing me for over {$4000.00} ... The original debt, plus interest plus, & court fees. I do n't know how to get representation XXXX, XXXX where XXXX XXXX XXXX told me my case would be presented XXXX, when I now live over XXXX miles away. So I begged and borrowed and came up with {$1000.00} and settled the debt with XXXX XXXX Bank. Then to my surprise I begin getting multiple letters from other collectors collecting on this same account. I send them my settlement letters and they ca n't understand why I paid XXXX when my total debt is only XXXX. I finally get in contact with Cohen and Associates, but no XXXX XXXX XXXX this time, only to be told that there was a clerical error, XXXX XXXX XXXX had entered the wrong account on the paperwork, the {$1000.00} settlement really being applied to a XXXX account from 2007 and he will gladly send me an updated Release of Liability With the correct account number. I understand that I may owe XXXX but Cohen and Associates did n't even own the XXXX Account so how could they represent it on their paperwork. Not once in any of my communications with Cohen Associates was XXXX mentioned. I believe that i was threatened falsely, grossly misled and right after I made this payment I got a letter from another collector offering a settlement on the same XXXX account I was told I had settled for XXXX. At that point I could n't pay anyone anything, and now that settlement offer is no longer available, I believe I was done so wrong and Cohen and Associates grossly misled me and something needs to be done.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-07
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX is reporting an account on my credit report when I have never had any kind of contract or agreements with them for them to be reporting on my report. I have contacted them and they stated they can not discuss the account with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
My Trans-Union Credit Report was showing wrong credit information in my XXXX XXXX XXXX Credit Card. I disputed it and Trans-union has removed XXXX XXXX XXXX account from credit report. 
I raised a complain in CFPB OMB # XXXX. I get response from Trans-Union that my Financing Agency ( XXXX XXXX XXXX ) need to re-report the credit. 
I had meet XXXX XXXX XXXX multiple times. I have reported my Credit. All other Credit Bureau are reporting correct Credit expect Tans-Union. 
I am raising a new complain because in-spite of my previous complain OMB # XXXX, the problem was not fixed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I originally had XXXX school loans with XXXX that were transferred to XXXX in XXXX. In XXXX both loans with XXXX were paid in full. Now in XXXX I pulled my credit reports from XXXX XXXX and transunion saw XXXX is reporting both loans payment history incorrectly ; in payment history XXXX since XXXX reports no payment history until XXXX, which is the final payment payment owed. Also XXXX does not report who the original creditor, XXXX XXXX on either account. This is completely inaccurate. I disputed both loans on all XXXX credit reports. In XXXX I received notice from all XXXX bureaus verified the information as accurate. Per fair credit reporting act, a creditor has to report complete and accurate information to credit bureaus by law or if incomplete and inaccurate by law has to be removed from a credit report at all credit bureaus. Also under fcra I have the right to request from the creditor the information provided to the credit bureaus to verify the debt information as accurate. So I called XXXX on XX/XX/XXXX and spoke to rep XXXX employee ID number XXXX. I advised her of my plight, and I was requesting that a copy of that information be sent to me that was used to verify the payment history per my rights under fcra. XXXX informed me that they do n't actually keep record of each payment you make and when. They only report the date when the account has been paid in full. In my case, XX/XX/XXXX. Which is exactly what 's reported on all XXXX credit reports, no other pay history accept being paid in full on XXXX. I advised XXXX of fcra law, and I wanted the accounts removed. XXXX refused also to send copies of the information sent to credit bureaus to verify accounts and XXXX advised that was n't going to happen either. I stated under fcra law it was my right to ask for and receive this information, if they refused they are violating fcra law and can be sued. XXXX laughed then asked if I knew how long XXXX has operated like that, and if they were breaking laws someone would have complained about it before.i advised her you know your on a recorded line and admitting XXXX is violating fcra laws. XXXX can be sued for this, I then asked how to reach their legal department, XXXX then advised that XXXX does n't have XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I recently had a beauty product company to take money from my banking account. Regions has not been instrumental in being able to assist me retrieving my funds. I have been a consumer with Regions for over 30 years. 
I feel like the lack of service has been un- acceptable.

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 2017-04-03
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Bank account or service
Sub-product: Savings account
Issue: Problems caused by my funds being low

Complaint:
I have federal VA XXXX funds and VA vocational rehabilitation funds deposited in my account with TD bank. I keep getting levied by the child support enforcement agency. The bank says that these are not protected funds and that the agency is the one who determines if they are or not. they also say it is not their responsibility to do a 60 day look back. According to Fed law 5CFR 581.104 these are not allowed to be levied. Also title XXXX part XXXX out lines how to identify the federal deposits and again they insist that it is not their job to check the deposits. It is clearly marked on my statement. Yet they refuse to even consider reading the law. They say that the NJ state law allows them to do this. I did n't think that state law could over ride the the federal law. If so i would like a detailed explanation of how it works. Saying just because of this law or another is n't good enough. When I read the law I see that there are a lot of moving parts and one of them is the exemptions to these types of federal deposits. These levies that i have encountered have put a large strain on me and my family. The bank hits me with Levy fees and low balance fees. I have issues trying to get them back. I have problems paying my bills and bounce checks because of these levies.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Problems caused by my funds being low

Complaint:
I am writing on the behalf of my Grandmother 's trust account with the Bank of America. I have watched over the past 6 plus years as this account has continued to climb during the good markets times, yet continually declines in interest payments. There have been absolutely no gains or increases in the payments, yet they have made significant gains. I have saved all letters and statements and have never seen such. 
I have been an RN case manager in the Medicare arena for over 8 years. Unfortunately, my father has since passed. I ca n't help but think about the fact that if he were still with us, he would now be living on less than $ 600/month from a $ XXXX trust fund. I question how many others are now struggling to survive on the trust that was set up to take care of them for life! It seems to me that the Bank of America is acting in the interest of themselves, rather than the beneficiary. 
Thank you in advance for any guidance with this concern. 
XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22
Company: Pinnacle Asset Management, LLC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
Debt collector called at XXXX. I answered and indicated that this was unacceptable as it was XXXX. The caller said, " Yes, it is XXXX in Washington State. '' At this point I told him that was unacceptable and ended the call. They 've also indicated in the past this is regarding a " possible lawsuit '', but refused to identify the original creditor.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-29
Company: AFNI INC.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I called this morning XX/XX/2017 to get them to validate the debt they say I owe to them but I have never had an att account they put it back on my credit once again after it was removed already once before

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01
Company: Pinnacle Asset Management, LLC
State: SC
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
ok they called me at work and this is all they can send me i was told if i didnt set up a payment plan i would be sent to lenagaiton i was given XXXX hours to make a decision this is what they sent me i can not get a hold of original loan company i did not take out this loan but cant aford to have days out of work PAM, LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX/XXXX/2015 Original Creditor : XXXX Original Account Number : XXXX Account ID : XXXX Balance Due : {$650.00} ( Due Immediately ) Dear : This is your final notice concerning your account with XXXX. We have made several attempts to contact you for payment of your account. This notice is to advise you that failure to pay this account within receipt of this notice will result in further collection efforts. 

Please call our office at XXXX XXXX XXXX XXXX concerning this account to avoid further collection efforts. 

This letter is from a debt collector. This is an attempt to collect a debt. Any information obtained will be used for that purpose. 






Sincerely, PAM, LLC

Company response to consumer: Untimely response
Consumer complaint received 2016-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have submitted several " account verification letters '' to TransUnion about accounts that do not belong to me, and I have no knowledge of. I have asked the credit bureau to provide me with their verification method as well as verification that the account belongs to me. The credit bureau just sends me a letter that states " verified '' without any other proof that the account is mines. 

Account : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19
Company: Miller, Stark, Klein and Associates
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
I contacted you three months ago regarding this company and their tactics. They have called my daughter and myself and left message threatening to send the police to my job and home with a subpoena. I do not owe this money. They are claiming this is in reference to XXXX debt. This is a debt likely purchased from XXXX but I filed bankruptcy year ago and do not owe this.I called and they called me names and have continued to harass me. They left multiple messages on my and my daughters phone claiming a complaint has been filed against me.I actually just received a check from a class action suit against XXXX. They also refuse to send written documentation of the debt

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 2016-08-25
Company: Mnet Financial Inc
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have received a letter from Mnet Financial ( XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ) attempting to collect a debt that I am disputing. However the letter is in violation of Section 809 of the FDCPA. The letter did not make these XXXX ( XXXX ) required statements : -A statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector. 
- A statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector. 
- A statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28
Company: CIT BANK, NATIONAL ASSOCIATION
State: UT
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mother had a reverse mortgage through Financial Freedom a division of CITI, after she passed away I worked with Financial Freedom to inform them of the passing and the trusts intent to sell the home to settle the lien owed. I was informed that I had 6 months to square away the property and that I could apply for two 90 day extensions. After three months they ( Financial Freedom ) referred the home to foreclosure. I was told it was just a formality and that I indeed had 6 months with the two extensions. I hired a real estate agent to sell the property and notified FF that the home was up for sale. Because of the pending foreclosure I was place in an interesting position with trying to sell the home. I received only low offers on the home and countless ad 's from attorneys offering to " save the property. ' On XX/XX/XXXX I faxed over my request for my first extension under HUD 's guidelines. The extension was due XX/XX/XXXX. I called FF the following week to check on the status of the loan and was told I had been denied. When I asked why they stated that I had not gotten the request to them in time. The agent admitted in a recorded phone call that the request had sat on the fax machine for 4 days before anyone had found it. Also, they were unwilling to stop the foreclosure and auction of the home. And now with an auction pending, I received offers far less then the asking price, an average of {$100000.00} below market value. It took over three weeks to find out the status of the loan with FF due to their lack of response, I called 12 times between XX/XX/XXXX and XX/XX/XXXX every time I was told " there was no one available to talk to me. '' With the auction pending I took out a personal loan on behalf of the trust and paid off the lien in order to complete a sale of the property. Even after the loan was paid in full FF failed to send any payoff to notice to the trust and ignored 6 attempts by my title company to request a letter stating that the loan had been paid and they were issuing a reconveyance of the title in order to sell the home. It was only when I retained an attorney that FF provided a payoff statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: Experian Information Solutions Inc.
State: CA
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 Act 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. 

XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX  # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXXXXXX XXXX / XXXX XXXX XXXX XXXX XXXX/

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: Experian Information Solutions 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.

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 2016-04-11
Company: Bronstein & Weiss Arbitration
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
XXXX from Bronstein and Weiss called work and home threatening lawsuit for unspecified debt if I do not contact them within 72 hours. Indicated that it could be " embarrassing '' for me since work for state of New Mexico. Used " spoofed '' local New Mexico number XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-05
Company: SECURITY FINANCE CORP
State: IL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I had XXXX and was out of work for awhile and not able to make my payments I defaulted on my loan and it went into collections about a year later I started getting settlement offers in the mail I responded to the offer of 1/2 price of the {$510.00} On XX/XX/2017 I spoke with XXXX the manager of security finance and told i would paid the settlement of and I would send him an accord and satisfaction letter saying he agrees to the settlement of {$250.00} as payment in full and he agrees to removed the account off my credit file. XXXX signed to letter and sent it back to me and I made the payment per the terms of the accord and satisfaction letter.payment of {$250.00} was debited from my account on XX/XX/2017 and in XX/XX/XXXX I applied for a loan to get a car and was informed that I have a 30day late payment from security finance and that I owe {$430.00} still. I was turned down for the loan for because they are reporting that I am 30 days late and that I still have a balance of {$430.00} with that on my credit report it dropped my score from XXXX to XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11
Company: EQUIFAX, 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 was incarcerated for 5 years and Im having trouble with my credit once I was released. Someone have access to my personal information. Things were removed and somethings came right back. The collection agency was contacting my family but the accounts do not belong to me. The name is spelled incorrectly and the social security is doesn't belong to me. While I was away in prison I didn't give anyone permission or access to any of my personal information to apply for credit. 


1 ) XXXX/XXXX- Opened XX/XX/XXXX ( 8 mos ) amount- {$430.00} 2 ) XXXX/XXXX   XXXX  opened XX/XX/XXXX ( 9 mos ) Amount {$13000.00} 3 ) XXXX/XXXX XXXX XXXX XXXX -Opened XX/XX/XXXX ( 9 mos ) amount {$0.00} 4 ) XXXX XXXX -openedXX/XX/XXXX( 3 mos ) amont {$690.00} 5 ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-18
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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.

Company response to consumer: Closed with explanation