BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-17
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XXXX report my birth day is inform incorrectly the report my birth day as XX/XX/1988 But my correct birth day is XX/XX/1988

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
Company: R & B Corporation of Virginia
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX CREDIT CONTROL CORPORATION opened a collection. 
Account # : XXXX Amount : {$120.00} I have never signed any written document that I owe this debt to the collector. 
They are violating my federally protected rights under FCRA as a consumer. 

I do not know who they are and have not written consent on my end. 

Also, they have not verified that I owe this debt to the alleged company. 
Please have this removed from all 3 credit bureaus. 

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am trying to short sale my home. The XXXX lien holder has been on task with getting the short sale paperwork processed in a timely manner.The XXXX lien holder is not cooperating with me at all. I have submitted over XXXX documents to the XXXX lien holder and my account is not in short sale status yet. I get hung up on often, I get transferred continually and never have been given the liberty to speak with a manager that I have requested to speak with on several occasions. I have written a letter with all the details. I am now receiving collections calls from the second lien holder and being told that as far as they know I am not in short sale status. I was assigned to a short sale representative and he closed my file for no apparent reason. After the last disconnected telephone call on XX/XX/2016 with a representative, I felt compelled to get some federal assistance since I am being denied a federal program assistance ( HAAP ). You will find FAX LOG sheet that verify I have the documents requested was in fact received by the second lien holder on XXXX XXXX and XXXX XXXX 2016.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am tired of sending dispute letters to Transunion requesting that they correct this erroneous account being reported on my Credit File because they have been doing nothing! This complaint is to follow up my previous complaints and letters I submitted on XX/XX/XXXX and to inform them that I am halfway of taking legal action and sue Transunion for their willful non-compliance of the FCRA statute. Only if they chose to update and correct the account on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The account that should be corrected is : XXXX XXXX Late Date XX/XX/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 non-monetary relief
Consumer complaint received 2018-05-31
Company: Net Pay Advance, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have called XXXX XXXX XXXX XXXX and have asked them to provide confirmation that this loan or service or bill belongs to me. They keep asking me to provide my date of birth and the last of my social and the amount. I do not feel I need to. The moment they gather my information they will imply that this amount is mine. It has happened before. Will someone please assist me without giving my personal information. It would be a breach of privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had a personal and a business bank account with NFCU ( Navy Federal Credit Union ), In XXXX I did a delivery load for an online company thru a Delivery app, well they did a deposit into my business account which I couldn't verify where it came from because I was unsure of the name. The bank restricted my business account and said it will remain restricted for 30 days while investigation occurs. I waited XXXX days and nothing happened but I was still receiving bank statements. So, after dealing with Covid and the Pandemic I needed the funds so I reached out to NFCU in XX/XX/XXXX and they closed my business account and even decided to close my personal bank accounts and my personal credit cards without even warning me. I had three major credit cards with them that I have had over 4 yrs+ and when I went to use them they did not work so when I called NFCU , they said when they closed my Business Account they was supposed to close my personal accounts due to suspicious behavior. Well, I'm still getting bank statements and not to mention I'm getting false termination letters regarding my credit cards saying they were closed due to non payment and that is not accurate. So, my credit score and my way of living is destroyed from a stroke of a key and due to NFCU not being honest about the credit card closure when I have a 99 % pay history on my credit report. Please help me!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
Company: EQUIFAX, INC.
State: FL
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 following companies has violated my rights : XXXX XXXX XXXX ( Original Creditor XXXX  ) XXXX XXXX XXXX XXXX ( XXXX XXXX  ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX - XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
Company: INDEPENDENT BANK CORP.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I was banking with Rockland Trust Bank and I was at work when they called me to ask if someone deposited money into my account, which I was unaware of. I believe my identity was stole or someone hacked my account and deposited a check into my account. Causing my bank to think it was me, when I had nothing to do with it. I want to be able to bank with them but they closed my account stating I can not open another account with them. Which I believe is unfair. This happened last summer around XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Ditech has served me with a summons for foreclosure on XX/XX/2016. I am fully aware that the Consumer Finance Protection Bureau requires 30 days notice before this is served. The notice should include that this is a possibility and give me options to prevent it. I have diligently read and kept every letter, and there is no notice. I have personally witnessed this happen, and then at trial, the Plaintiff/Bank miraculously has a letter dated at least 30 days before the summons was served. I am quite concerned that the same will occur in this instance. This has to stop somewhere.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
Company: EQUIFAX, INC.
State: MI
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:
Attached is my FTC Identity theft Report for an inquiry I did not authorize, nor did I authorize anyone from the company to use my personal information nor did they have permissible purpose 15 U.S.C. 1681b.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: CARD Corporation
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
Name is XXXX XXXX live in XXXX, ga XXXX. Somebody hacked my bank account information I ordered on a food app called XXXX  and right after it show unauthorized atm transactions in XXXX XXXX   Florida when I never went there before nor made those transactions. I tried to dispute claim with bank and was denied because they said there was no error in which there was an error because I dont live in Florida never been there and was at work while this happened and bank is refusing to give me my money. I contacted merchant that shows on my bank account summary and she said somebody must of hacked my card information and made a fake card but the bank is still saying I was in Florida when I was never there plus the bank blocked my card and notified me for suspicious activity and advised to me that Im at a loss and they cant do anything for me even though they said its error and i live in XXXX  ya, first transaction was XX/XX/2019 {$400.00} & {$200.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-12
Company: Amsher Collection Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Amsher Collection Services placed an collection on my XXXX Credit report for XXXX with out debt validation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
Company: EQUIFAX, INC.
State: NJ
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:
All 3 credit reporting agencies show inaccurate information on my reports. My XXXXt loans are consolidated into two accounts. I requested that the individual accounts that are transferred and closed be removed. I have accounts that have inaccuracies in dates open and last active reporting. I am making the effort to clean up my credit report to prepare to buy a home in the next 6 to 12 months. I would like to take definitive steps to improve my credit report and need the cooperation of the credit bureaus. I sent correspondence on XX/XX/2020 and some items were deleted. I filed a personal address dispute with XXXX this month and they will not remove addresses that are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
All 3 credit reporting agencies show inaccurate information on my reports. My XXXX loans are consolidated into two accounts. I requested that the individual accounts that are transferred and closed be removed. I have accounts that have inaccuracies in dates open and last active reporting. I am making the effort to clean up my credit report to prepare to buy a home in the next 6 to 12 months. I would like to take definitive steps to improve my credit report and need the cooperation of the credit bureaus. I sent correspondence on XX/XX/2020 and some items were deleted. I filed a personal address dispute with XXXX this month and they will not remove addresses that are not mine.

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 2023-04-13
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am writing to request the removal of unauthorized credit inquiries on my Equifax, XXXX and XXXX credit reports. My latest credit reports show six ( 6 ) hard credit inquiries that I did not authorize. 
I am writing to dispute the following inquiries and ask for their removal from my credit report. 
Item No. Creditor Account 1 XXXX XXXXXXXX  inquired on XX/XX/XXXX XXXX & XXXX 2 XXXX XXXX XXXX inquired on XX/XX/XXXX Equifax 3 XXXX XXXX XXXX services inquired on XX/XX/XXXX Equfax 4 XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX Equifax 5 XXXX XXXX XXXX inquired on XXXX XXXX XXXX XXXX inquired on XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
Company: EQUIFAX, 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 XX/XX/2022, I sent off certified letters to the three credit bureaus asking them to properly investigate my credit profile. I asked XXXX, Equifax and XXXX to do a proper investigation and remove any items and accounts that were inaccurate or had errors. After their investigations, some accounts with errors were removed from one agency while remaining on other agencies. The accounts that remained were sent back to me stating that they were " updated/verified '' but the inaccuracies and errors still remained on those accounts. I have the right to correct information or otherwise have those accounts with error be removed from my credit profile according to the FCRA. 

15 U.S.C. Sec. 1681i ( a ) says that if you cant provide proof, then the accounts must be deleted. I want the accounts deleted if theyre not 100 percent right, accurate and correct.

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.

I will attach my letters that were asking for a proper investigation and I will attach the responses of the credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The company called my cell phone attempting to get in contact with my girlfriend 's sister. When I said it was not her number they became confused and ended the call. They did not identify themselves as a debt collection company, but XXXX search results suggest it was Midland Credit Management calling. They called today, XX/XX/2019, at XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-04
Company: DISCOVER BANK
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:
While checking my credit report, I notice an account from DISCOVER FINANCIAL SERVICE, that I believe is not being reported correctly on my credit report. On XX/XX/2022, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account, ( see Attached ). After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2022, ( see attached ), again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the credit bureaus, along with my incident report, ( which are attached ), asking them to verify or remove the negative report on my credit report that DISCOVER FINANCIAL SERVICE is reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10
Company: Commonwealth Financial Systems, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am a XXXX veteran, covered by XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX and XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX, the Code of Federal Regulations, Title XXXX, Part XXXX, paragraph XXXX ( d ) and XXXX XXXX and XXXX, and XXXX ( c ). 

Original creditor - XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX - was paid by the XXXX {$170.00} XXXX US Government Check # XXXX dated XXXX XXXX, XXXX for emergency medical services rendered to me on XXXX XXXX, XXXX. The original creditor billed the XXXX {$1300.00}. The original creditor was apparently unhappy with the amount paid as mandated by federal law using the XXXX XXXX XXXX XXXX pricer, and then perpetrated on ongoing fraudulent scheme, that continues to this day, of either selling, assigning, or otherwise engaging prohibited services of several 3rd party debt collectors/debt buyers. 

Under current law established by XXXX of the United States, as published in the Code of Federal Regulations, Title XXXX, Part XXXX, paragraph XXXX ( d ) : " Payments made in accordance with this section shall constitute PAYMENT IN FULL. Accordingly, the provider or agent for the provider may not impose ANY ADDITIONAL CHARGE for any services for which payment is made by the XXXX '' You may not bill the veteran or any third party for any balance not paid by the XXXX BALANCE BILLING IS PROHIBITED. 

Additionally, XXXX XXXX XXXX states " Payment by the VA on behalf of a veteran ... extinguish all liability on the part of the veteran for that emergency treatment

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-04
Company: Ability Recovery Services, LLC
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This debt does not belong to me. Does this company " Ability Recovery '' whom I 've never heard of have any financial instrument with my signature on it? 

I do not owe this money. 

Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06
Company: Blackhawk Network Holdings Inc.
State: MD
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I have tried unsuccessfully to correct my date of birth on my PAYPOWER DEBIT VISA CARD and can not get the card company to make this change. My card will expire at the end of XXXX 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
On XX/XX/2020 I took my nephew to Bank of America ( XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX, NC XXXX ) to cash a check from ( insurance check ) a Bank of America account holder in the amount of {$7400.00}. 1st : he was told he need 2 forms of I'd ( he had his id ). He told the teller he had a birth certificate and his ss card. The teller tells him the 2nd form of id needed had to be a passport, credit card, or debit card. He didnt have none of the 3. 
2nd : I went inside the bank to see what was going on. When I gave the teller the debit card with his name on it and his Id she still refused to cash his check. 
3rd : I spoke with the manager on duty and asked her about cashing the check and she refused as well. 
4th : I ask if he sign the check and I sign the check could they cash it then ( I am an account holder ). The teller said they dont cash 3rd party checks. 
5th : the teller said she scanned his check but it wasn't signed. 
6th : the teller said it was over the limited to cash for a non account holder. 
7th : they even refused to call the insurance company to verify the check.

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