BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-02
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Equifax ; XXXX  and XXXX  should not be reporting that I am ( 90-120 ) days late on the XXXX   partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-03
Company: PENTAGON FEDERAL CREDIT UNION
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
A client of mine had his company bank account compromised. As a result, one of the checks written on the account was my monthly check in the amount of {$3000.00}. Once he found out his banking account had been compromised, he immediately contact me and I immediately contacted PenFed. I told PenFed what had happened and immediately wired {$3000.00} from another account to cover any and all transactions. My account was never, ever overdrawn and I was told by PenFed that the original check for {$3000.00} was NOT going to be re-deposited because, according the PenFed representative, " our system is incredible sensitive and the check will be returned. " That ended up not being the case, the check was redeposited and of course, declined from my clients financial institution. Again, my account was never overdrawn. 

As a result of this, and of no error whatsoever on my part, PenFed, irresponsibility has blocked my access to all my accounts. 

Despite five separate attempts to have this irresponsible block removed, it remains. That is, because of something that was completely the fault of another party, and had literally nothing to do with me, I do not have access to my money. I have never overdrawn an account and I consider myself a financially conscious individual. 

How is it possible for an institution to completely block a responsible customer from their banking accounts? 

Unfortunately, PenFed only can say that 'my case ' is on a supervisors desk for review. 

Any assistance you can provide would be most helpful. 

XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-09
Company: MRS BPO, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My sister in law used my husband as a " reference '' on a loan. Most likely XXXX. The collection agency had calld us threatening to sue and uses aggressive language if we do n't get her to pay this loan.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-14
Company: Revco Management, LLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a notice from Revco solution regarding a debt in XX/XX/XXXX I responded XX/XX/XXXX of XXXX, I sent them a notice of conditional acceptance and validation cease and desist affidavit they received the notification because they sign the certified mail return receipt. this company harasses me and keep sending me threatening emails. now I do not have a contract with this company, and they have my social security number my name and address which I did not authorize or give consent. I am tired of getting notices upon notices from this company with threatening abusive and oppressive language.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-17
Company: Real Time Group, Inc.
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Debt Collection AgencyReal Time XXXX has constantly harassed for debt that is not mine. My ex-husband has full access to my social security number, driver 's license, bank accounts, and other financial data. I did NOT authorize this debt. Please provided hard copies of documentation from loan initiation including my physical hand signature and date. I would like this debt removed from my file because I did not authorize these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
How are you doing? Why is it taken more than 60-90 days to respond to my student loan investigation? Listen, I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts? I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX   student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.

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 2022-03-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was the victim of identity theft. Someone in Florida ( I live in Ohio ) got a hold of my XXXX  XXXX  credit card and spent at least a couple thousand dollars. Payments on the credit card are automatically deducted from the family checking account. The first indication of the fraud was on XXXX XXXX when {$1700.00} was taken out of the checking account. We figured XXXX XXXX  would fix this and reimburse me but it refuses. The store has said the charges are legitimate though it's not possible. Further fraudulent charges have been made and XXXX XXXX now says we owe them more money. We've for now put a stop to the automatic debits.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: EQUIFAX, INC.
State: IL
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:
This is my COMPLAINT to tell you AGAIN that I am a victim of identity theft and to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ; U S DEPT OF EXXXX XXXX XXXX : {$4700.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX Balance : {$4000.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: MRS BPO, LLC
State: CO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
MRS BPO , L.L.C . contacted me by mail, on XXXX XXXX, 2016, and identified the debt as {$1800.00} owed to XXXX, MRS ACCT # : XXXX ; Current Creditor Account # : XXXX ; Charge off Date : XXXX/XXXX/2016. 
I do not have any responsibility for the debt, have never owed XXXX any money, and confirmed this with 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 2017-03-24
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
i was a XXXX Customer. XXXX was recently acquired by First National Bank ( PA ). I was just informed by FNB that I will not be able to access any of my prior banking records online from XXXX. I never received notice that this is the case and find it hard to believe that FNB can aquire a bank and then purge all of the customers past history under the old bank.

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 2016-11-28
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have not been a member of XXXX since XX/XX/2008. This company continues to try and collect on this debt at this time EVERY year. They threaten to ruin my credit report if I do n't pay. This is the literally the XXXX time I have received a letter demanding payment. I have contacted XXXX and they have confirmed that I DO NOT owe them any money.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-03
Company: Resurgent Capital Services L.P.
State: UT
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
My XXXX XXXX Credit Card Account was charged off and sent to collection with prior notification. I was not contacted at my current address and FDCPA ( codified as 15 U.S.C. 1692 -1692p ), FCBA guidelines for Debt Collection were not followed by Resurgent Capital before reporting to XXXX , XXXX and XXXX . I was shocked to see the collection account on my credit bureau reports, reporting as LVNV Funding which is associated with Resurgent Capital, and immeditaley contacted them and paid the settlement in full on XXXX/XXXX/2015 to XXXX XXXX and XXXX which collects debts for Resurgent Capital/ LVNV Funding LLC ( Payment Confirmation XXXX with XXXX XXXX and XXXX on behalf of Resurgent/LVNV, file number XXXX ). This should not have happened had I been contacted or made aware of the upcoming collection debt. Also, I have been trying to contact XXXX XXXX Bank prior to seeing the collection account on my credit bureau reports but it was extremely difficult to get proper information about my account, and how to take care of the account and bring to current. They had charged the account off and sold it to collection without any proper notification and contact. I am well aware of my rights to receiving fair and timely information regarding my financial obligations and I should have been notified about any account going to collection. 
I am requesting Resurgent Capital, LVNV Funding XXXX XXXX XXXX to immediately remove the Collection account for XXXX XXXX Bank from all three of my credit bureau reports. It is adversely affecting my credit standing and hurting me, my family and my family 's financial health and well being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-23
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I was contacted by this creditor regarding a debt from 2003. I notified in writing this debt is too old to be sued for and I asked not to be contact regarding this debt. 
I was than contacted again by mail, which advise me to call. I explained to the creditor XXXX that they are past the statue of limitations to collect on this debt, and she advised me that they can sue, then she said they cant, then she stated that they would keep me in collections. I than contacted your office, and I an now submitting a complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-21
Company: Continental Finance Company, LLC
State: MA
Product: Credit card
Issue: Delinquent account

Complaint:
Harassing collections practices. They 're contacting family members and someone claiming to be a locator is stating that they will come to my house to collect and my place of employment. I 've expressed my desire that all collection attempts be handled via mail and in writing and they 've refused.

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 2022-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 new and updated information regarding XXXX and Transunion. 
Both CRAs have stated that they have no knowledge of which account is being disputed. 
I have documentation from both companies alleging they have spoke with XXXX XXXX regarding this dispute and that the account was verified. I have requested all documentation used to reinvestigate this account. As it should have lawfully been investigated upon its first reporting.

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 2022-10-08
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
According 15 usc 1692g ( b ), I am demanding that credit acceptance corporation verify this debt. I spoke to the XXXX XXXX XXXX XXXX XXXX  that is handling this debt but it's very limited to what they provide me with. According to above law, I want to see proof of ORIGINAL AND CURRENT OWNERSHIP TO THIS DEBT SIGNED AND VERIFIED BY A NOTARY AS SOON AS POSSIBLE. I AM ALSO REQUESTING A NOTARIZED LEDGER CARD. I WANT ORIGINAL DOCUMENTS BEARING MY WET SIGNATURE. I WANT STATEMENTS ACCOUNTS FROM THE BEGINNING.

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 2022-03-15
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: CBC Companies, Inc.
State: TX
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:
THIS IS NOT A DUPLICATE COMPLAINT! Attached is letter dated XX/XX/2020 received from XXXX regarding my complaint. See areas I highlighted. This is now a complaint because XXXX doesn't know their business. The knowledge of HUD loan requirements, and should have never unnecessarily pulled credit prior to qualifying property. Step One - Qualify. Step Two - go forward. The first phone call should have been one question ; " Please describe your home ''. 
I am not the pro as XXXX advertises to be. And this should have been caught by XXXX and not weeks later by an appraiser in the field. 
XXXX, yes, I am frustrated my property did not meet HUD loan requirements. Shouldn't XXXX know the HUD loan requirements and shouldn't it be qualified before any credit is extended? Why extend credit if property will not meet HUD Loan requirements? 
And XXXX CARES Department doesn't care very much by making a smart statement " XXXX acknowledges that this is the 4th time you have submitted this complaint to various agencies ''. Perhaps 5 times is required for XXXX to understand this. 
The reason for XXXX is because I was involved in XXXX fraud and identity theft. I don't need an inquiry on my report that should have never been there in addition to days of wasted time. 
Look at areas highlighted on your attached letter " 3. To a person which it has reason to believe ''. Is XXXX a company or person? So who is the person? 
In addition, noting was mentioned about Factual Data. And I call Factual Data and the recording states press ___ number if you want a copy of your credit report. Then a lady gets on who is with XXXX, a sister company of Factual Data and both are part of the XXXX. Now XXXX, Factual Data, XXXX, and XXXX all can have access to my personal information. This is totally wrong! Perhaps XXXX CARES Department needs to read this again " 3. To a person which it has reason to believe ''. 
I had to fight to get the reimbursement on the appraisal fee and am still waiting months for the final {$120.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11
Company: CAVALRY INVESTMENTS, LLC
State: MA
Product: Credit card
Issue: Sale of account

Complaint:
I am being sued by Cavalry SPV I , LLC, who claim that they purchased an alleged debt from XXXX XXXX. 

Documentation they provided at the pretrial hearing does not show proof of ownership, or how the alleged amount of debt was calculated. 

They have provided a bill of sale from the original creditor stating that all accounts in Exhibit A were sold/transferred to Cavalry SPV I , LLC, however, Exhibit A is blank as the accounts were redacted. 

They also provided an affidavit of sale from the Finance Manager of original creditor ( XXXX XXXX ) stating that a " pool of accounts '' were sold to Cavalry, however there is no mention of any accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19
Company: Oracle Financial Group LLC.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
Hello This is a copy of the message that was left on my business, I called this morning around XXXX and left a message letting him know this was my business line and to cease and assist all communications on this number. They have called before on this number and left messages but cant retrieve that information sorry.Received another call on my job phone @ XXXX from the Oracle Group XXXX he refused to give me his name he said he was necessary to verify my employment to serve me at my job, I reminded him this was my work phone and he said he knows but he needs to serve me at work, he called through our switchboard which comes through with the caller ID unknown, he went on about taking me to court so I disconnected the call.

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 2015-07-20
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card
Issue: Transaction issue

Complaint:
On XXXX XXXX I made a purchase at the XXXX store located at XXXX XXXX XXXX, XXXX NY XXXX. There was an overcharge and the clerk canceled the initial transaction by issuing me a refund to my Visa card and ringing up the sale at the lower price. Today, XX/XX/XXXX, I noticed that TD Bank was holding fund for both charges but did not show the refund. When I called TD Bank and spoke with XXXX she said they could not do anything about this. I have an automatic debit coming through and holding both funds will leave my available balance short when the automatic charge comes through on Monday. TD Bank would not correct the error. All XXXX receipts that I have show authorization numbers which means the bank was contacted about the credit for the first charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-04
Company: U.S. Collections West, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have sent the debt collector us collections west proof that the debt that are trying to collect is not mine and was opened fraudulently in my name due to identity theft. I have sent them the police report by XXXX police department, identity theft report filed with the federal trade commission and they are asking for a detailed report from the police which does not exist. I have talked to the supervisor in charge of the financial crimes department at XXXX police and was told there is no follow up and case was not assigned to a detective. They need to stop collecting this debt as it is not mine. My credit is also frozen with all 3 major credit bureaus due to the identity theft that occurred

Company response to consumer: Closed with explanation