BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-05
Company: NCB Management Services Inc.
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
NCB management services incorporated sent a letter on XX/XX/2022 to collect a debt of {$6900.00}. This letter was sent due to failure of NCB to send me the supporting documents that I asked to see in regards to the debt in question. I wrote NCB and asked that they remove the Debt within 30 days if they can not find the documents I needed, and report this to the credit bureau. I responded within the time frame that they needed no later than XX/XX/2022. It is now XX/XX/2022 and they still have my account under review and it has caused me extreme financial hardship due to the false collection tactics and shady practices that go against the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: Google Compare Credit Cards Inc.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
Google Pay  demands access to an exterior credit or XXXX account to buy an item. I do not want to link any accounts - just pay for what I buy. Google demands a link to other accounts. This is a process to gather 1000 's of credit card and other payment information. An invitation to hacking and fraud! 
Stop Google from controlling the World!

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 2017-09-02
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:
Hello, I was a VICTIM of TransUnion 's inquiry issue. Talked to the representative of TransUnion and they could not help me with these issues. 
Here are the list of the inquiry issue on my credit report : Business Name, Inquiry Date, Business Type XXXX/XXXX XX/XX/XXXX Credit card and travel / entertainment companies XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Miscellaneous and public record XXXX XXXX  XX/XX/XXXXMiscellaneous and public record XXXX XXXX XX/XX/XXXX Finance other than personal Please delete these inquiry issues with TransUnion. 

Thank You

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 2022-07-19
Company: CCS Financial Services, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against CCS XXXX Credit Collection Services ), for committing identity theft. I have never given CCS ( Credit Collection Services ), any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).

I have not validated any alleged debt with CCS ( Credit Collection Services ) and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving CCS XXXX Credit Collection Services ) any right to collect on this alleged debt. 

I have never received any documentation requesting validation from CCS XXXX Credit Collection Services ), before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If CCS ( Credit Collection Services ), can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until CCS ( Credit Collection Services ), can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and CCS ( Credit Collection Services ), continues its collection efforts, I will file for litigation for actual damages caused and CCS ( Credit Collection Services ), will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-02
Company: Continental Finance Company, LLC
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I received a notice of intent to collect a debt by XXXX XXXX. I previously received a phone call from them that they were attempting to collect a debt and requested they send verification of debt. They said I just needed to pay it. I repeated asked for the verification of debt and said that he could send me the judgement against me. It appeared that he was threatening that legal action had or would be taken. If legal action had been taken I thought that the court would have already sent a judgement for garnishment so at this point I thought it was a scam and hung up on the call. When I received a letter from them on XX/XX/XXXX I called again and they requested some information to verify my identity. I did not give it to them, because I still was not sure that this was not a scam. They connected with with a manager and I explained that I wanted to dispute the debt. He said that I should send in proof of settlement to dispute the debt. I asked for proof of the debt from the original creditor and he said that the original creditor was no longer in the picture. He said they had received notice that I owed the debt and I told him that I disputed the debt and asked him to send me documentation that I owed the debt and he kept telling me to send proof from the company that the debt was settled. He said in order to dispute I would need to send proof of settlement. I disconnected the call because at that point he was talking over me. 
I do n't believe the debt is valid, but I do n't have enough information to determine if it is. I did have a credit card account with the original creditor. That credit card was bought by another company, but my account never defaulted. In fact I still have the credit account. If this is the creditor I think it is it shows on my credit report as pays as agreed.

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 2021-01-19
Company: PNC Bank N.A.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a refinance loan around XX/XX/XXXX. After supplying PNC with all the required information, getting approved, and locking in pricing, PNC attempted to change the rate at the last moment. They reran my credit score ( per them, they claimed my name was misspelled - they transposed 2 letters of my first name when entering my data into their system. ) The sales agent that was responsible for my account has left the company. His boss XXXX XXXX refuses to return my emails dated XX/XX/, and XXXX. Now refi prices have moved against me, they have damaged my credit by running multiple enquiries into the credit bureaus, and I cant refi at best rates ( score was over 800 ) given my now lower credit score due to their clerical errors. Not only is this a classic bait and switch, but the bank has yet to try to resolve the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A XXXX Credit Card was sold to LVNV FUNDING and XXXX law suits were filed the first was dismissed to investigate the fraud claim the law firm for LVNV XXXX XXXX and XXXX never contacted me after that 3 months later they file a XXXX Law suit. I completed the fraud affidavit and filed a complaint with the XXXX XXXX PD. And provided all requested information in regards to LVNV AND XXXX XXXX and XXXX to show proof this credit card along with 3 others were opened fraudulently by my exwife .. who admits to using my Social security number to open fraudulent accounts. Both LVNV and XXXX XXXX XXXX XXXX continue to peruse me legally for a fraudulent account. I have yet to receive a response from LVNV nor XXXX XXXX XXXX XXXX in regards to their investigation or finding from the fraud affidavit that was sent to both companies over a month ago. The law suit is still pending and both companies continue to attempt to collect an account that was fraudulently open.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-02
Company: SUNTRUST BANKS, INC.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
This got to be discrimination, is it because our age iam XXXX and my husband XXXX we apply for government loan through SunTrust bank and we are client of SunTrust bank. we have a personal line of credit with SunTrust bank. and my husband had a credit with SunTrust bank never missed an of our payment in the past. some time on or about XXXX XXXX and the vice president at that bank her name was XXXX XXXX gave us the same for XXXX we pay that loan off in XXXX and the loan was unsecured. so I met with her Friday about the same loan the government that you can not be true down if you home XXXX and she said XXXX XXXX you can go on line they will put the money right in your account this is the second tine that Light stream which is a part of SunTrust have Denial, I just told the vice president that we was going to mover our mortgages over to sun trust bank our house hold debt is with the mortgager XXXX an our appraise at XXXX equity XXXX no car payment of truck payment we got about XXXX XXXX XXXX XXXX and we use the credit card my husband business our credit score go up and down. but the loan before was not base on a credit it was a term loan of 48 month

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 2022-07-19
Company: EQUIFAX, INC.
State: FL
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 have tried to get my report multiple times with no success. this is causing my great harm in not being able to see what's currently being reported on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: TD BANK US HOLDING COMPANY
State: CT
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:
Unfortunately, I had just gone through the CFPB with an issue I had with TD Bank reporting to XXXX a hard inquiry on my credit report. TD Bank responded to the CFPB that they would remove the inquiry from my XXXX report. They explained to please allow up to 60 days. Sadly it has been past the 60 day due date. This evening I called and spoke to the same representative XXXX whom I had spoken to originally. She said that she could see nothing on her end in computer system. I want TD Bank to now remove this from my credit report immediately. I have copy and pasted their previous response to the CFPB previously. 

We requested removal of the inquiry and the attached letter was mailed to the consumer. No follow up actions are anticipated. The letter states as follows : We have received your complaint to the Consumer Financial Protection Bureau regarding a TD Credit Card application, completed online on XX/XX/2021. We completed our investigation and confirm that you did not complete the application process initiated via the internet on XX/XX/2021. As a result, we have sent an update to the credit bureaus requesting for the inquiry to be removed. We apologize for any inconvenience caused by the reporting of the inquiry. Please allow 60 days for the inquiry to be removed from your credit reports. If you have any questions, please contact customer service at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-02
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX Chase sent me a notice stating the FDIC sold them my mortgage loan. They have yet to show any proof of this transaction. In this letter Chase states ( MERS ) Mortgage Electronic Registration Systems sold and assigned all rights to WAMU Washington Mutual Bank on XX/XX/XXXX. There are no records found of this assignment on file in the XXXX County records. 

It does show where Chase forged a fake assignement from ( MERS ) on dated XX/XX/XXXX five years after they claim that ( MERS ) had already signed over its rights to Washington Mutual Bank. How is this possible? That there is NO assignemnt to ( WAMU ) but one straight directly to CHASE. 

I would like CHASE to provide all legal documents showing the FDIC gave them receivership of my specific loan and what date.

I would like CHASE to provide all legal documents showing the FDIC sold them my mortgage loan I would like CHASE to provide documents proving the had legal rights to collect payments on my home loan in the State of OHIO as a loan servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: CITIBANK, N.A.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A Citibank Credit Card was sold to XXXX XXXX and 2 law suits were filed the first was dismissed to investigate the fraud claim the law firm for XXXX XXXX XXXX and XXXX never contacted me after that 3 months later they file a 2nd Law suit. I completed the fraud affidavit and filed a complaint with the XXXX XXXX PD. And provided all requested information in regards to XXXX AND XXXX XXXX and XXXX to show proof this credit card along with 3 others were opened fraudulently by my exwife .. who admits to using my Social security number to open fraudulent accounts. Both XXXX and XXXX XXXX XXXX XXXX continue to peruse me legally for a fraudulent account. I have yet to receive a response from XXXX nor XXXX XXXX XXXX XXXX in regards to their investigation or finding from the fraud affidavit that was sent to both companies over a month ago. The law suit is still pending and both companies continue to attempt to collect an account that was fraudulently open.

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 2017-09-11
Company: EQUIFAX, 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:
My information was given out by equifax during their data breach. My information is now out there forever and could potentially harm me years down the road.
I 've signed up by their monitoring for free for 1 year ( 1 year is not enough ). - X/X/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: DISCOVER BANK
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
My identity was stolen. 
1. I received an email notice from XXXX XXXX XXXX on XX/XX/2022, and it said, " It looks like someone viewed your credit report. '' I called to the XXXX XXXX XXXX, and they asked me if I have applied increase my credit limit and applied a XXXX Credit Card? Both two applied I didn't ask. 
XXXX. XX/XX/2022 I got a text said, " Your XXXX IRA verification code is : XXXX '', and then I got another text said, " Thanks for joining XXXX IRA Account & Market Alerts. Up to 4 msgs/day. Rely Help for help, Stop to end. Msg & Data Rates May Apply ''. I also got an email that asked me to confirm my email address. 
XXXX. XX/XX/2022 I got a mail from Discover said they are not able to provide me an offer due to Recently opened bank revolving trades. 

I didn't ask for increase my credit limit and apply a XXXX Credit Card. 
I didn't open any XXXX account. I didn't have IRA account. 
I didn't ask Discover any offer. 
I didn't open any bank revolving trades.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-02
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I made a {$270.00} payment to my Walmart credit card on XX/XX/XXXX. They updated my account balance but refuse to update my available credit for 7 to 21 days. The supervisor stated because my payment was larger than previous payments there is a hold on the update of my available credit. Is this legal when they received the funds from my bank on 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 explanation
Consumer complaint received 2018-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
This is not a duplicate dispute. This is a factual dispute in regards to XXXX XXXX 's reporting of the accounts opening date to Transunion, XXXX, and XXXX. Transunion has my opening date as XX/XX/XXXX ; whereas, XXXX, and XXXX cites the opening date to be XX/XX/XXXX. This may be minor, but since it is inaccurate it can no longer be reported on 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 2022-07-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX the following accounts have violated my rights. 

Account # XXXX ( XXXX XXXX ) Account # XXXX ( XXXX XXXX XXXX ) Account # XXXX ( XXXX  XXXX XXXX ) Account # XXXX ( XXXX  XXXX XXXX ) Account # XXXX ( XXXX XXXX XXXX ) Account # XXXX ( XXXX XXXX XXXX/ ALL LATE PAYMENTS ONLY ) 15 U.S.C. 1681 Section 602 A Section 1 States I have the right to privacy.

15 U.S.C. 1681Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2017-09-02
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I closed an account in XX/XX/XXXX ( from Charter One Bank ), the same week I had a XXXX XXXX. I completely forgot about this in the following weeks. On XX/XX/XXXX, I found and presented the cashier 's check ( # XXXX for {$29000.00} ) to the now Citizen Bank branch at XXXX XXXX XXXX XXXX XXXX, Ohio. They accepted the cashier 's check, and I opened a cd and a checking account. Several days later, a letter arrived from Citizen Bank, XXXX XXXX XXXX, XXXX, Rhode Island XXXX. It stated the check would not be honored. They have possession of the ' official check ' ; I have two accounts with XXXX balance, and they want {$20.00} for a returned check. They advised to check Ohio unclaimed funds, but there is nothing listed there. 
I want the proceeds from this cashier 's check. Please advise what you can do. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-16
Company: Performant Financial Corporation
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I entered a loan rehabilitation program over a year ago with a company Performant. I was told if I made 9 consecutive payments that I could a avoid going into default. I made those payments and did n't hear back from them so I called them and they told me that I was n't in their program, that I had signed a paper that I did n't want to be in their program, which I found out later that I had. The paper was entitled Confirmation of Agreement and towards the bottom it did say that if I did n't want to be in their program that I should sign it. However, I never knew I was n't in their program. Those payments were going to them and they never told me I was n't in their program. So I went into default and now they have been garnishing my wages for over a year. Do I have any legal recourse at this point?

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