BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-15
Company: OneMain Finance Corporation
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
To Whom it may Concern : I received a call from XXXX XXXX  with One Main  during my work hours which wasnt a good time for me. I will attach a picture and phone number XXXX from One Main called me from. Please request a recording of the call. The call came from XXXX ( XXXX ) XXXX at around XXXX Thursday XX/XX/XXXX the call screen shot is at XXXX duration XXXX 15 U.S. Code 1692d ( a ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt He begin to call out the debt I owed with XXXX and other medical bills. He said I have all your accounts infront of me. With XXXX calling out my accounts I felt he was defaming my character. He also called out the last four digest of my social security as if he has me cornered. This is a violation of my consumer rights 15 U.S. Code 6802b. 

He then told me where is your moral. He then begin to call out my place of residence in a threatening way, letting me know yea I know where you live. I immediately thought about my wife and kids of now having protecting them, thinking of one day XXXX XXXX  could show up at my place of residence. I felt very threaten now I have to live my life wondering if he will show up to my place of residence. 

I felt threatened this is a violation of my consumer rights 15 U.S. Code 1692d ( 1 ) ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. 

15 USC 1692d ( 2 ) ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. 
I felt abuse and profane language towards me from XXXX XXXX  when he said where is your moral, you have charge off you owe conns and the medical debt. 
This is a violation of my consumer rights As a I felt I was extremely harassed, threatened and coerced into making a payment to the One Main account we discussed. This is a violation of my consumer rights 15 USC 1692d ( 4 ) The advertisement for sale of any debt to coerce payment of the debt. 

He then transferred me to a supervisor who begin to say you breach your contract. This is the first time I experienced this type of behavior from One Main and this is unacceptable. My rights were violated! I am very shakin by this treatment from XXXX XXXX  of One Main. I had to have a conversation with my wife which she is now worried that XXXX can show up to my address at anytime. This is XXXX to my heart soul mind and family. 


I will be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Abuse and Harassment 3. Harming my reputation 4. Obscene and Profane Language toward the hearer 5. Attempt to coerce into paying debt

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I enter all the relevant data and am denied by Equifax. I am told I have to mail a request. I did n't start this problem. I want my report online. And by the way, XXXX and XXXX  continue to charge for freezes. A disgrace.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I find it offensive that someone from AMEX debt collection feels it appropriate to call me regarding contacting someone with the same last name. 

They called asking about their need to urgently contact my brother. They never said they were debt collectors. I never told them it was my brother ( who I have no contact with ). 

AMEX had no permission to research and find my phone number through its internal records or running a credit report on me. I never gave AMEX permission to access my records and use them for their debt collection agents. 

This is highly offensive and most likely a violation of Federal law. 

They have no rights to let others know you have a debt collection issue with a customer. 

I tried calling them back to protest, no live person. I called their executive offices, they refused to transfer. The email to send complaints is not valid. I did email their CEO.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-15
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
LVNV FUNDING LLC Has reported to the 3 major credit bureaus that I have in collections 2 accounts with 2 different amounts and stating that they were opened on 2 different dates. One is alleged to have been opened on XX/XX/2021 with the amount of XXXX past due, and the other is stated to have been opened on XX/XX/2021 with the amount of XXXX past due. And both theses debts refer to the same card issued by XXXX XXXX XXXX. Neither account is correct. There were not 2 different debts owe on the 1 card.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06
Company: First National Collection Bureau, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I have been receiving calls on a regular basis from a company who claims that I owe a debt. I have asked on multiple occasions for the calls to stop and advised that I do not have any debt, and that I can look my credit report up right now and prove that, yet the calls keep coming in. I advised that I know my rights and that if I ask them to stop calling that they have to yet I am met with rudeness and nastiness and the calls continue. I advised that I would be filing a complaint with the last phone call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: ALLY FINANCIAL INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX I opened an Account with Ally bank to deposit a check I won from gambling website " XXXX XXXX  '' for {$20000.00} dollars. I used their mobile deposit feature. The original check of {$20000.00} was processed by Ally Bank on XX/XX/XXXX, and it cleared on XX/XX/XXXX. The check accrued interest of {$2.00} cents meaning the funds had cleared and we valid. The check did not bounce nor was it recalled. The Fed also cleared the check and I have verified with the check issuer that the funds have been taken out of their account and not reversed. Ally Bank wrongfully closed out my account due to not being able to verify the check with XXXX, however XXXX bank has a company policy that does not allow them to verify checks. For this reason Ally closed my account due to fraud which was incorrect. Ally currently has my {$20000.00} dollars and are refusing to help me or reach out to me to send me back they money that has cleared and they owe me. I have been trying to get this resolved for over a month and have made no progress. 

I have spoked to the check issuer " XXXX XXXX  '' and Ally Bank on a XXXX way call to confirm the check was legitimate however this did not resolve the issue, as Ally refuses to accept the check is real when I have proof the check cleared the FED. Ally has not attempted to contact me a single time and continues to ignore me. 

I have attached the FED lookup tool for checks bellow provided by XXXX XXXX  to verify the legitimacy of the check clearing the Fed and that the money is owed to me and I will have to pay taxes on.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
I called XXXX 's to complain after seeing a total of XXXX inquiries on my credit report with Transunion. 

I tried to lease a new XXXX from XXXX XXXX which is owned by XXXX 's. 

After being assured by salesman XXXX that they would n't be shopping my credit around multiple banks, I signed the lease papers, only approving them to run my credit for the purposes of a lease. 

The salesman said " we 're not going to send your application to bank a, bank B, bank C, we do n't do that. It will just be a soft inquiry. 

I checked my Transunion credit report and see a total of XXXX different inquiries, when I only approved of XXXX. 

XXXX uses XXXX XXXX for their auto leases. When I was not approved for the auto lease, without my permission they ran my credit through XXXX XXXX and XXXX XXXX. I did not approve them to do this. The financial manager said she tried to get me approved for a purchase. I did not approve of this. 

I spoke with XXXX XXXX on the phone and all he could say was sorry. 

This is a violation of the FCRA for not obtaining permission to run my credit for the purpose of purchasing when I clearly stated I would be leasing.

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 2017-09-06
Company: Bread Financial Holdings, Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Paypal is a horrible website to use, and a horrid service to use!! It has so many issues with their website which include practically everything that they offer!! They shoud be fined and investigated to the fullest extent of the law!! 
Their horrible website will not even let me change the linked credit cards I have, which include my checking accouont debit card. I do not want that linked to paypal ever again!! 
And their website wont let me take out my debit card number!! 
And when I called, they cant even find my account??????????????????????????? 
They are FRAUDULENT, and better be investigated, I have been using paypal forever. 
And when I ordered 3 items from XXXX they all went to some fraudulent address in XXXX, NY!!!! I live in PA!!!! 
They refuse to help with this, they wont give me a credit, and they advertiste a buyer protection!! Yeah, right!! I want a full credit, plus they have to pay for overnight charges so I receive these items now!! 
There are seveal issues with them, they are horrible, and you better intestigate their horrid website, they even told me several times that it doesnt work, and their having issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
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: Public record information inaccurate

Complaint:
THERE IS A BANKRUPTCY SHOWING FROM XX/XX/2019, REFERENCE NUMBER XXXX. I DID NOT FILE THIS AND I HAVE TRIED NUMEROUS TIMES TO DISPUTE IT. TGRANS UNION WANTS ME TO JOIN THEIR SITE WHUCH I WONT DO. AND XXXX NEVER ANSWERS THEIR PHONES OR COUNTLESS LETTERS. 

IT IS IMPOSSIBLE THAT I FILED THIS BECAUSE I WAS XXXX  IN XXXX  AT XXXX XXXX FOR XXXX XXXX XXXX CALIFORNIA AT THE DATE IS SHOWS. ALSO IF YOU LOOK AT MY REPORT YOU'LL SEE ALL THE ACCOUNTS I HAVE ARE NEW BECAUSE I AM NO LONGER XXXX  AND ALL PAID ON TIME. 

XXXX REMOVED THE BANKRUPTCY BUT I CAN NOT GET ANYONE VIA EMAIL, LETTER OF PHONE CALL AT THE BANKRUPCTY OFFICE TO TALK TO. HELP IM TRYIN TO START A NEW LIFE AND BEING A XXXX  ISN'T EASY. 

YOU CAN CALL ME XXXX OR WRITE ME BACK. 

I BEEN TRYING TO DO THIS FOR OVER A YEAR AND ITS NOT FAIR.

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 2017-09-06
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: Investigation took more than 30 days

Complaint:
Equifax has failed to protect me as a consumer. I have filed several complaints as far back as the end of last year with equifax due to insertion on my credit report by XXXX XXXX. My rights have been violated and overlooked continually. Equifax has stalled on various occasions and waited far beyond 30-45 days to respond to me. I have repeatedly denied these accounts are mine and I sent equifax copies of my I 'd theft report and a police report copy showing that my items were vandalized. Equifax always reposnds with " item verified. '' This leaves me no recourse but to Pursue further her action as they have failed to delete this accounts by XXXX XXXX. These are not my accounts and equifax has continually reported these accounts falsely. 
Acts XXXX Acts XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06
Company: PNC Bank N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Subsequent to filing cfpb complaints against PNC Bank and other Federal reports ingredients and Department of Human Rights complaints PNC Bank decided to break the law which prohibits retaliation if you as a witness complain against a business to the government or its Affiliates or subsidiaries whatever I got a threatening letter from PNC Bank by which I receive my Social Security and SSI from into their Bank I got a letter stating that they would be closing my account in issuing refunds during periods when an investigation with the cfpb is pending I take it they 're going to attempt to destroy evidence falsify records even more and Destroy any files or anything that could have been a supportive on my case against their video footage debit cards have already been altered and destroyed even people in fact one of my discriminations went missing left the bank facility as a branch manager overnight just never saw him again and I have a subsequent to file in the Civil Rights charge now this this Bank owes me more than {$4000.00} in transactions that went through and that were allowed under-9 matching to the debit slash credit mechanism card which was used that someone used sending an inmate cash from my account to prison the bank has refused me my money back and engaged and nothing but unlawful actions I want this Bank find and shut down and a full return it is bank is to cease and desist from closing anything until I give them permission to it 's nothing but retaliation which is illegal even in banking

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: Experian Information Solutions 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:
I have contacted the bureaus numerous times informing them that account for XXXXXXXX XXXX XXXXXXXX, Acct # XXXX is reporting inaccurate information on my credit report. It is a Charged Off/Closed Account with a Past Due amount of {$2200.00}. Reporting this is a violation of the FCRA and is also in violation of requisite Metro 2 Compliance reporting standards. According to the Fair Credit Reporting Act I have the right to a fair and accurate credit report, therefore any information that is not true, accurate and verifiable is required to be removed and after 3 months of requesting that they do so they are still reporting inaccurate information with numerous other violations of inaccurate information as well to which it is severely hurting my credit.

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 2019-08-01
Company: Home American Mortgage Corp
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a home loan purchase with XXXX XXXX XXXX   and received a pre-qualification from their lender Home American Mortgage of XXXX. My initial home purchase choice was their XXXX XXXX priced at XXXX. On XX/XX/XXXX I received call from XXXX XXXX  (Home Loan Originator) who thought she was contacting XXXX XXXX (Sales Associate) stating "There is no way we will give her this loan for XXXX  I told her we will only give her the XXXX". When I told her she was speaking with XXXX  she then backpeddled and stated that she thought she was calling XXXX  and she would have XXXXXX/XX/XXXX contact me. I accepted their terms of offering me the XXXX XXXX as she stated that was what I qualified for. I provided all of my documents on XX/XX/XXXX and my credit was pulled on that date. My deposit was received on XXXX XXXX 2019. I have signed docs and as of XXXX XXXX, 2019 I received a call from both XXXX XXXXXXXX (Home American Mortgage) and XXXX XXXX (XXXX XXXX   XXXX) stating that are withdrawing the offer and denying loan. No new information was provided they same information they had at the beginning (XXXX XXXX, 2019) is the same information providedXX/XX/XXXX XXXX, 2019. They are holding my deposit of XXXX and XXXX   processing fee. As an XXXX XXXX, single woman I am being treated unfairly in comparison to others seeking housing. They have consistently asked my boyfriend to co-sign of which I have stated from the beginning that I do not have a co-signer or co borrower.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Transunion customer service would not help and take care of the negative inquiries reporting to my credit report. 

XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX  XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/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 2017-09-06
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Your case ID is : XXXX. 
My account was limited for system detected unusual activities.I have {$470.00} Available in my account. Please release my money for withdrawal.Item has already been shipped and tracking provided. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: EQUIFAX, INC.
State: IL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 


XXXX {$0.00} / XX/XX/2022 XXXX XXXX XXXX / {$0.00} / XX/XX/202XXXX XXXX / {$0.00} / XX/XX/2022 XXXX XXXX XXXX XXXX XXXX {$0.00} / XX/XX/2022 XXXX  XXXX XXXX XXXX {$0.00} / XX/XX/2022 XXXX XXXX XXXX XXXX / {$0.00} / XX/XX/2022 Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence, I want this to be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06
Company: Convergent Resources, Inc.
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Convergent Outsourcing Inc. 
XX/XX/XXXX {$160.00} Company mailed a debt collection letter to an address I have n't lived at for over five years addressed to a name I have n't used in two years in an attempt to collect a " debt '' due for a phone bill from XXXX. I cancelled my XXXX account in XX/XX/XXXX,  paid the final balance due and received notification regarding the {$0.00} balance on my account. When I received the notice from Convergent Outsourcing Inc stating a had an outstanding balance I called XXXX who again checked my account and informed me I was current, my account was closed, and there was no outstanding balance. I have never been behind in my payments to XXXX and have never had an outstanding balance with them. This is a fraudulent request from a company and an inappropriate request. My information should at no time have been shared with this company and with no outstanding balance this company should never have contacted 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 2018-06-02
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
It shows on my credit report that there is a AWA collection from XXXX XXXX XXXX. I have never get a loan from this company and never received any statement from this company.

Company response to consumer: Closed with explanation