BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-30
Company: CAVALRY INVESTMENTS, LLC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no knowledge of this account at all. I sent several letters to company asking them to please remove this account I never authorize, used nor applied for this, I sent several letters asking company to validate this debit as mine, I called Spoke with A representative whom was rude and failed to give me any information other than tell me I better pay for a debt that 's not mine. I 've never received no knowledge of this. I viewed my credit report and this was on there and that 's how I 've gotten knowledge of this account. I sent letters to credit Bureaus asking them to send me what ever information that got about me opening these accounts .I begged them to validate them and send me whatever proof they got .After several months of stress I received nothing in response from the credit Bureaus Nor Company that 's reporting this debit, Not Mine, Not Authorized, no legal contract with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: EQUIFAX, INC.
State: PA
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: CNG HOLDINGS INC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Tempo lease services open up a account to someone that gave them my social security number and they purchase a item in my name with out my authorization also they was using my bank account information to make payments ... Im so upset because I never applied for credit with tempo and they are making me responsible for this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Account is showing as a charge off/collection. This account was included in my XXXX XXXX bankruptcy filed in XX/XX/2021. I have had nothing but problems with this account and attempted to fix. The company continues to willfully report false information despite being notified by my XXXX of XXXX XXXX. This is a violation of FCRA laws. 

Account information is not accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: T.S. Holdings
State: GA
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:
On XX/XX/2021, I sent IQ Data International a certified letter requesting debt validation on an alleged debt they added to my credit reports without sending me a dunning letter. They ignored my request and continue to report this alleged debt to the credit reporting agencies. 
I need them to close this account in their office and delete this alleged off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: ALLY FINANCIAL INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
ally auto loan account # XXXX vin # XXXX case # XXXX my name is XXXX XXXX at XXXX XXXX XXXX XXXX, Ca XXXX I was happy to pay my loan off early so on XX/XX/2020online on my Ally .com acct I paid XXXX paid off.the same day Ally took the auto payment of XXXX. Since then I have called at lease 6 times at one time the supervisor gave me a case # XXXX to get back my over payment, on the phone now with them and the same story we are reviewing my account today is XX/XX/2020. please help me with this as soon as possible, thankyou

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 2018-07-03
Company: WAKEFIELD & ASSOCIATES, INC.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I was XXXX XXXX and had to be given hospital an XXXX by insistence of police officers who cuffed me in my own house because they thought I was drunk. Now a false crediting agency, Wakefield & Associates is requesting a payment of XXXX and I am unemployed as well as case is still undecided. I will not pay this

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 2022-06-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My credit card was charged on XX/XX/2022. The charge was for some kind of subscription I did not authorize or was unaware of such subscription. The customer service agent told me to call XXXX directly to resolve issues. I did this but the number given does not allow me to speak to anyone at XXXX concerning this charge. It just sends me back to capital one. Very frustrating the number given is XXXX. I told customer service agent at capital one to cancel card if they refused to take charge off. Thats when she told me to call XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
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 tried reaching out to this bureau several times about this account that does not belong to me and inquiries that do not belong to me. this information is fraudulent and i want it investigated and removed from my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23
Company: ROC Asset Solutions, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I ( and my family ) received several phone calls from a company called API stating theh were hired by XXXX  and that they are going to sue me for over {$13000.00}. However, I contacted LoanMe said they sold my account to a third party collection agency ( that agency is not API ) and the amount sold was {$4000.00}. A woman named XXXX first contacted me ( and my family members ) on XXXX and she proceeded to tell my family members that I had a legal matter that could effect me financially for up to 10 years. I called her on XXXX ( details are explained in a complaint I filled last week ). Yesterday she called me again stating I was going to be sued and then today she called me again threatening to call my employer. She also called my family members today as well, calling one two times in a row, leaving the same message as before ( that I had severe legal matters that need to be taken care of ... so on ). I have not once received any written notification that they now own this debt, not have I received any written letters that would allow me to properly validate this debt. She stated they were hired by XXXX, which I have verified with XXXX is false information. At this point I would consider this harassment of not only me, but my family as well. This is also a violation of FDCPA policies, by calling me ( and my relatives ) and  threatening me before ever sending any written notification of them owing the debts and of my rights for validation and by stating that they were hired by XXXX to fulfill their legal acctions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: KEYCORP
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I reported to the police department in XXXX Washington that I had unauthorized withdrawals on my account that amounted to as much as {$30000.00}. There are many untrue statements that the XXXX officer made during the police report. Anything they state will need to be evaluated. The withdrawals were taken by using my debit card number and purchasing online, and also making direct deposits From my account into XXXX XXXX XXXX account. 
When I had open this account On XX/XX/XXXX I deposited {$55000.00}, I also let the manager know that I had reservations about putting my money in a bank because Of on line banking I felt there was a risk. The branch manager was XXXX XXXX, I was not able to use a safety deposit box for cash, also the branch manager gave me an assurance that my money was safe there. The bank manager and myself walked over to a counter where the account was opened and the bank manager and I requested that there be a {$200.00} limit withdrawal In a day. There are also other alerts that KeyBank offers, like a text message to your phone every time there's a purchase. I drew out {$200.00} one day and I tried to draw out more and I was unable to. At that time I knew that if I was going to lose any cash it would only amount to {$200.00} at the most.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: CAVALRY INVESTMENTS, LLC
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent letters three different times asking them how they have verified the debt is mine and told them the debt is invalid but they will not provide proof or remove it from my credit report. They were submitted to Calvary Port collection agency regarding 2 XXXX  accounts. One is for {$1500.00} and the other is for {$8100.00} 1st dispute letter sent XX/XX/XXXX they claim they verified debt but sent no proof on XX/XX/XXXX 2nd dispute letter sent XX/XX/XXXX once again claimed it is verified but no proof XX/XX/XXXX 3rd dispute letter sent XX/XX/XXXX and no response

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XX/XX/XXXX - XX/XX/XXXX : {$27.00} - per month XX/XX/XXXX - XX/XX/XXXX : {$46.00} - per month XX/XX/XXXX - XX/XX/XXXX : {$11.00} - per month XX/XX/XXXX - XX/XX/XXXX : {$50.00} - per month XX/XX/XXXX - XX/XX/XXXX : {$44.00} - per month XX/XX/XXXX - XX/XX/XXXX : {$25.00} - per month XX/XX/XXXX - XX/XX/XXXX : {$300.00} - per month XX/XX/XXXX - XX/XX/XXXX : {$220.00} - per month XX/XX/XXXX - XX/XX/XXXX : {$260.00} - per month when contacting XXXX XXXX regarding financial distress, XXXX provided me with information on hardship forbearance or deferment, instead of potentially giving me more beneficial repayment options like income-driven repayment plans. I request in writing and via customer service that I would like the inaccurate late payment information to be removed from my credit report. I received a notification stating that they were investigating my request, but I still have not received a final decision. It has been over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SD
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: Other problem getting your report or credit score

Complaint:
I received a call from XXXX regarding identity theft - a new credit card was opened in my name. I was able to address that issue, and get the card shut down. XXXX recommended I place a Fraud Alert at each of the three credit reporting agencies. My main problem was with Transunion. The website is geared to selling me a subscription and involves multiple Transunion identities - I'm was not sure who is the real Transunion and who was their paid subscription service. I tried to log in, but each of their services had a different login and I kept getting blocked. During my 4 phone calls to Transunion, I was given 3 different Transunion phone numbers and two temporary passwords for logins. 
I spent at least two hours trying to confirm that the fraud alert had been placed and was unable to download my credit report - I was only able to view it in pieces. When I tried again to look at the report, the charge would have been {$11.00}, since I'm only allowed one free report per year. 
The website appears to be intentionally confusing and misleading and doesn't adequately provide information as to who you are dealing with - Transunion or a subscription service that I don't want.

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 2017-08-23
Company: Bread Financial Holdings, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX/XXXX/XXXX I bought a small 3 drawer chest from XXXX XXXX - as part of a promotion - they offered me an additional 20 % of the purchase price if I opened a credit card account with them. I had no idea that the credit card was with Comenity Bank - if I had known, I would n't have bothered. Anyway - the item was not in the store - so I had it delivered to the house. Upon delivery, I went online, printed off a payment coupon and mailed XXXX XXXX/Comenity Bank a check in the amount of {$270.00} ... this was done on XXXX XXXX and the check cleared on XXXX XXXX, XXXX. The account number was written on the check ; the check was written to XXXX XXXX - and, Comenity Bank applied the payment to my mother 's account - which has no balance and the account numbers are not even vaguely similar. I tried talking to these people ( XXXX/XXXX/XXXX - XXXX @ Comenity ) and she advised to mail my proof to Comenity Bank in Ohio. I mailed the info to Comenity - certified mail - and then another invoice came thru advising I owed even more money - some sort of late fee. I called Comenity on XXXX/XXXX/XXXX - they passed me around until I landed with someone called XXXX '. At first - he tried to tell me that Comenity had not received my info ... I advised that the certified tracking number XXXX indicated that Comenity received this info on XXXX/XXXX/XXXX ... he then said " Aha! Yes! It had been received '' and then proceeded to tell me that someone would get back with me and straighten this all out ... in the meantime ... I got ANOTHER late notice adding MORE late fees. If I do n't get this cleared up - I 'll end up owing them {>= $1,000,000} for a {$240.00} dresser. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: EQUIFAX, INC.
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: Old information reappears or never goes away

Complaint:
This loan was opened by XXXX XXXX, the original purchaser on the vehicle. After some time, XXXX decides he doesn't want to be the buyer of the car and asks the dealership, XXXX, to come off the loan. The dealership then decides to run my credit, which was unworthy of a loan through their lenders. The vehicle was then asked to be surrendered, so the vehicle was returned to the dealership, and I am not responsible for the debt. They also have not reported it on my credit for years, and I've obtained copies of my credit report to prove it. I want it removed from my credit report and they are liable for damages, I've not been able to purchase a new vehicle because of this loan that doesn't belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: Convergent Resources, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Over the past XXXX XXXX XXXX XXXX, debt collectors have been illegally trying to collect upon an uncollectable debt which XXXX agreed to XXXX  out in XXXX of XXXX as per the attached legally binding agreement between myself and that phone company. The latest debt collector illegally trying to collect is Convergent Outsourcing , Inc. based in XXXX, Washington and these illegal efforts have been ongoing since XXXX of XXXX 

The signatory at XXXX who agreed to write off and XXXX  out this debt agin as per the attached legally binding agreement is XXXX XXXX Executive and Regulatory Services Analyst XXXX : 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 2022-06-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am a senior over the age of XXXX. 

PORTFOLIO RECOVERY ASSOCIATES LLC HAS BEEN HARASSING ME BY WAY OF TELECOMMUNICATIONS FOR A VERY LONG TIME. MORE THAN FIVE YEARS. I have been recently informed of my rights in this matter and have sent out XXXX cease and desist letters to this company in order for this to stop. I have never heard of this company and do not have any contracts nor any transactions have been made between us. This company has called me at inconvenient times with the intent to harass and annoy. They have used several different phone number and have not once properly identify themselves or any disclosures. This is a violation of 15 usc 1692 ( d ) These correspondences will be sent out by mail to your company for review with tracking # : XXXX XXXX XXXX XXXX XXXX I have placed my phone number on the FTC DO NOT CALL LIST as well. Yet the harassment has yet to cease. They have violated me under 15 USC 1692 et seq. I am requesting remedy under 15 usc 1692k civil liabilities in the amount of {$1000.00} per account of violation and {$1000.00} per account of damages, mental anguish and emotional distress. Please note, correspondences have been forwarded to you by mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: NE
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:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected ; I received no email, letter, or phone call and instead had to discover it via social media. 
On top of it all, they had n't used encryption for any information. Anyone who could get into their systems can view all of your personal information, rather than getting access to the data, but not being able to decrypt it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: Experian Information Solutions Inc.
State: NV
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:
I was hospitalized at XXXX Hospital in early 2019. I set up a payment arrangement with the billing department as soon as I was able to return to work after being out for three months. I am current on my payments of {$75.00} per month being paid directly to XXXX Hospital billing department. However, this medical bill is reflecting on my credit report as an unpaid collection from all three credit bureaus.

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 2020-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
I received a letter from XXXX dated XX/XX/202 informing me that a Bankruptcy record was removed from my Consumer Report because they were unable to verify the accuracy. On XX/XX/2020 I sent a letter to TransUnion informing them of the deletion, attached a copy of the letter from XXXX and requested that they remove the bankruptcy public record from my credit report. I received a letter dated XX/XX/2020 from TransUnion stating that the record was verified as accurate by XXXX and would not be deleted. 
I don't understand how TU verified it through XXXX if XXXX sent me a letter stating that they could not verify the bankruptcy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09
Company: OAKTREE FUNDING CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I was working with Oaktree Funding Corporation regarding the purchase of my property. My file was not reviewed properly and I ended up losing my deposit on the purchase of my property. Oaktree Funding made up requirements after providing a specific timeline indicating the loan would close on time. 

This company should not be allowed to practice as they will continue to cause harm to other buyers.

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