BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Last year  XXXX   XXXX   XXXX  filed a lawsuit against me for loans that I had cosigned for my nephew. They indicated since he lives in NY they have to sue me and ca n't sue him. We made a payment arrangement of {$200.00} a month. They stopped taking the money at the beginning of the year do n't know why but I got a notice Monday  XXXX / XXXX / 17  that they had filed a garnishment claim against me for 25 % of my pay. I wasnt given any notice and took 25 % of my check that I received yesterday. I cant afford that much money to come out of my check I live paycheck to paycheck and will be bankrupt in a month. My nephew understands that he messed up earlier with these loans and wants to do the right thing but these tactics are unreasonable and threatening.

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 2017-06-16
Company: TekCollect Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
received a call from an unidentified collector, she askd my name, and addy, I adv her was me but diff address, asked her if she can see the notes, she aske dme if I was gon na pay my debt, I asked her to give me the mini Miranda, and let me know the call is recorded, she responded that she does n't have to give tome because I interrupted her, I asked for a manager I got XXXX XXXX he aske dme for last 4 of ssi, dob and addy, 1st and last name then mini Miranda, he did it correct, I explaine dot him what happened his tone was not very pleasant, mad eme feel as if I was wrong somehow for wanting my rights as a consumer, he gave me the addy and phone # but said he does n't know the lady name who broke the fdcpa, I asked fo rmy loan to be forgivin in exchange for the breach of my privacy and rights he chuckled and sd he will let someone know, this is my 3rd time speak with thme last 2 times I asked for a vod and disputed till I got proof never got it.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
For the past two years I have been dealing with the burden of someone stealing my identity. The persons involved have received credit cards car loans and received personal family or household goods. I have tried to dispute all the accounts some came off and some refuse to be taken off. I've paid credit repair agents and tried to dispute myself with out proper knowledge. Today I the natural person consumer is asserting all lawful action to get remedy for my identity being stolen. XXXX XXXX XXXX has given me the hardest time they have sold my debt or shared it with a third party debt collector. Pursuant 16CFR 433.1-433.3 THE CONTRACT IS FRAUD THERE IS NO CONTRACT CONTAINING MY SIGNATURE. ALL CONTRACTS MUST HAVE TWO SIGNATURES NO COMPANY IS EXEMPT. They never sent validation of the debt pursuant FDCPA 15USC 1692 ( d ). I never contracted, agreed, or arranged any consumer credit transaction. I ask that the account be closed because I had no idea how to dispute the identity theft at the time in XX/XX/XXXX and it was still being actively used and paid in my name. XXXX XXXX then closed account and charge off never sending me anything pertaining to the identity theft I alerted the fraud department. Each month since XXXX they have reported to the CRA 's negatively without the proper notice to opt out. TRANSUNION, XXXX, and XXXX are all apart of the identity theft. I've sent in a driver 's license, passport, social, and pieces of mail to prove identity and valid address. The credit reporting agencies failed to verify the info. They have me listed under XXXX XXXX or XXXX XXXX XXXX and that is not and have never been my name. They have listed I have as SSI Pension I have never worked anywhere long enough to receive a pension. In XX/XX/XXXX I filled and FTC identity theft against XXXX XXXX XXXX. My consumer report says it was open XXXX XXXX making me a minor at the time. Transunion sent me a letter saying that it was verified XX/XX/XXXX. Pursuant 15 USC 1681 a ( e ) all investigated reports must have sources of interviews of family and friends. NO REPORTING AGENCY has provided and investigated report containing such information. The credit reporting agencies are reporting on an alleged debt between me and XXXX XXXX XXXX pursuant 15 USC 1681a. I the natural consumer has the right to privacy pursuant 15USC 1681a ( 4 ). These fraudulent accounts were authorized by SSC the real credit card defined under the Truth In Lending Act and these transactions must be excluded from my consumer report. This infringement has gone on long enough I want the account updated as paid and full and taken off my report.

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 2022-09-10
Company: United Shore Financial Services, LLC
State: NY
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
UNITED WHOLESALE MTG IS A DEBT COLLECTOR AND IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THIS ACCOUNT IS PAID IN FULL. I AM THE CREDITOR THAT GAVE XXXX XXXX. THIS IS MY 3RD ATTEMPT WRITING ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BUT GIVING YOU AN OPPORTUNITY TO REDACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12
Company: HYUNDAI CAPITAL AMERICA
State: AZ
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I traded in a vehicle, and the new finance company sent full pay off via tracked mail, however the original company is still collecting on the debt and calling me, without applying the payoff funds to the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16
Company: Nathan & Nathan, P.C.
State: GA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Last year Nathan and Nathan filed a lawsuit against me for loans that I had cosigned for my nephew. They indicated since he lives in NY they have to sue me and ca n't sue him. We made a payment arrangement of {$200.00} a month. They stopped taking the money at the beginning of the year do n't know why but I got a notice Monday X/XX/17 that they had filed a garnishment claim against me for 25 % of my pay. I wasnt given any notice and took 25 % of my check that I received yesterday. I cant afford that much money to come out of my check I live paycheck to paycheck and will be bankrupt in a month. My nephew understands that he messed up earlier with these loans and wants to do the right thing but these tactics are unreasonable and threatening.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-16
Company: EQUIFAX, INC.
State: FL
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 complaint is a follow up to complaint #  XXXX . You have stated that the you have " verified '' the bankruptcy. Please provide the following information  : 1.  The name of the person you spoke to  at the county  clerk.    2.  The date you spoke to this person.   3. Provide a copy of the motion provided to the court to reveal my social security number concerning the bankruptcy.    4.  If you are using  XXXX   XXXX , I have a suppression filed with them.  <P/> If you can not verify with undeniable proof, you must delete this from my bankruptcy.  <P/> Violation of the FCRA and FDCPA in this complaint will result in my filing a lawsuit against your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 written can called XXXX numerous time about XXXX XXXX XXXX Accounts 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 non-monetary relief
Consumer complaint received 2022-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Account name # XXXX XXXX XXXXXXXX Account number # XXXX Account type # Collection Responsibility # Individual Date opened # XX/XX/XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX Account # XXXX, has violated my rights. 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. 

Account name # XXXX XXXX  Account number # XXXX Account type # Rental Responsibility # Individual Date opened # XX/XX/XXXX In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, has violated my rights. 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. 

Account name # XXXX  Account number # XXXX Account type # Charge Card Responsibility # Individual Date opened # XX/XX/XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX has violated my rights . 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 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 2022-09-12
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
For the past 4 months I have been trying to tell USAA that the collection company they hired sent the ACCOUNT back to USAA. I even sent USAA the CFPB complaint letter that XXXX sent me saying they sent the ACCOUNT back to USAA. The office of the CEO at USAA is refusing to take care of my request to settle the account.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16
Company: MIDWEST EQUITY MORTGAGE, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I started a cash out refinance wi th Midwest Equity Mo rtgage  LLC on    XXXX   at 3.75 % for a 30 day lock for {$420000.00}. I provided all requested documents within 1 day. The file was opened in the encompass loan center on   XXXX  . There were several delays during the process due to them. I have emails where they are stating that it was no delays on my part but theirs. The loan  officer  was out for 3 days. Also, I was told that it only takes a max o f 72hrs  to be reviewed by the underwriter, but it took over a week. Now today, my loan officer contacts me and says that they need a little more supporting documents to show assets  (  which I already submitted  my 401k statements and 401k  disclosure on  XXXX  to the encompass loan center portal ), and that my loan will not close within the 30 day lock period and the lender is not willing to extend my lock, thus they need to go to the open market where the current rate is 4 % ( which also does n't make sense, because the rates have only gotten better since the date I initially locked the rate ). I feel that because I had locked a great rate, they are trying to not honor what was promised, and switch the rate higher at the very last minute to make more money. Essentially pulling a bait and switch at the very last minute. I feel that they should honor the original rate, since they are the reason it was delayed. Not to mention it is only the   XXXX   and there should be enough time to close by the   XXXX   ( which they are saying that we cant close in time ). Also, they are saying that the lender is not willing to extend the rate, which makes no sense either. I definitely think they are being dishonest to make more money out of this refinance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-16
Company: AES/PHEAA
State: LA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I 've been trying to resolve the multiple negative student loan accounts on my credit report. The Credit Bureau  (  XXXX ,  XXXX ,  XXXX  ) are  neglecting to verify the accounts properly to determine which ones are duplicates or original. Due to poor lack of investigation and communication I 'm requesting that all of the accounts be removed. All of the loans in question were recently consolidated but the negative accounts that have been reported are hurting my scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16
Company: JPMORGAN CHASE & CO.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I HAD MY ID STOLEN EARLY   XX/XX/XXXX  A ND DID N'T REALIZE IT TILL RECENTLY. I HAVE FILED EVERY FRAUD REPORT AND ID THEFT REPORT AS WELL AS FROZE MY ACCTS. I HAVE NOTIFIED ALL THE CREDIT AGENCIES AND CONTACTED THE CREDIT CARD ACCOUNTS THAT WERE OPENED OR ATTEMPTED TO OPEN TO NOTIFY THEM OF THE THEFT. HOWEVER,  CHASE CRE DIT CARD COMPANY CONTINUES TO RUN MY CREDIT ALMOST 2 TIMES PER MONTH EVERY MONTH AND NOT CALLING TO VERIFY MY INFORMATION AS REQUESTED. I HAVE CONTACTED EVERYONE AND THEY ALL SAY OH WE WILL STOP THIS BUT THEY CONTINUE TO DO IT EVERY MONTH. THE MOST RECENT IS XX/XX/XXXX  AN D XX/XX/XXXX . MY CR EDIT SCORES WERE OVER  XXXX  AND I HAVE BEEN SAVING FOR A HOUSE AND NOW MY CREDIT IS IN THE  XXXX  DUE TO ALL THE HARD INQUIRIES FROM CHASE BANK. I DO N'T KNOW WHAT ELSE TO DO? PLEASE HELP! I HAVE ALSO STARTED A CASE WITH   XXXX   XXXX   XXXX   XXXX   TO HELP WITH THIS BUT ITS NOT DOING MUCH GOOD EITHER. WHAT CAN I DO?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
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 accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacv.

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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Went  through  XXXX    XXXX   XXXX   which made an agreement with  XXXX   XXXX    XXXX    in the amount of  XXXX  through the law office which was representing  XXXX   XXXX . Payment made for the first  XXXX  and then the second payment of  XXXX  was made on  XXXX  over the phone to the law office from  XXXX   XXXX . I have the receipt with transaction number. I was not aware this was not cleared till 15 months later when I received a letter from  XXXX    XXXX   telling me I was delinquent. I have spoken to many individuals at  XXXX    XXXX   who keep telling me they are working on it and have not resolved receiving the payment from the law office. They keep telling me they are trying to resolve it but meanwhile this still is sitting on my credit report.

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 2017-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Went through XXXX XXXX XXXX which made an agreement with XXXX XXXX XXXX in the amount of XXXX through the law office which was representing XXXX XXXX. Payment made for the first XXXX and then the second payment of XXXX was made on XXXX2016 over the phone to the law office from XXXX XXXX. I have the receipt with transaction number. I was not aware this was not cleared till 15 months later when I received a letter from XXXX XXXX telling me I was delinquent. I have spoken to many individuals at XXXX XXXX who keep telling me they are working on it and have not resolved receiving the payment from the law office. They keep telling me they are trying to resolve it but meanwhile this still is sitting on my credit report.

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 2022-08-08
Company: SYNCHRONY FINANCIAL
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
The card is XXXX XXXX XXXX  XXXX credit card by Synchrony. The card number is XXXX. 

After I register this credit card I was charging every month for a security fee + interest fee. I was never told by email or by message that I enrolled in the security protection program and they force to charge me the security fee for over XXXX $ within a year. 

I think this is defrauding customers and it's a hidden fee to customers. I need Synchrony company to return this fee immediately.

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 monetary relief
Consumer complaint received 2021-05-02
Company: Experian Information Solutions Inc.
State: NC
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:
XXXX  XXXX  XXXX Bank XXXX XXXX XX/XX/XXXX Experian XXXX XXXX Auto Dealers, New XX/XX/XXXX Experian XXXX  XXXX  Auto Financing XX/XX/XXXX Experian XXXX XXXX XXXX Miscellaneous Finance XX/XX/XXXX Experian XXXX XXXX AUTO FIN Auto Financing XX/XX/XXXX Experian XXXX XXXX/XXXX  XXXX Auto Dealers, Used XX/XX/XXXX Experian XXXX XXXX XXXX CO Auto Financing XX/XX/XXXX Experian XXXX XXXX XXXX XXXX  Auto Financing XX/XX/XXXX Experian XXXX XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXX XXXX Financing XX/XX/XXXX Experian XXXX XXXX/XXXX  XXXX  Auto Dealers, Used XX/XX/XXXX Experian XXXX XXXX Department XXXX XX/XX/XXXX Experian Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.

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 2018-04-20
Company: Riverwalk Financial Corporation
State: AK
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/18, I received a notice that a collection was put onto my XXXX Credit report by XXXX XXXX XXXX for 2 accounts ( {$5400.00} and {$2300.00} ). The amount and accounts appear to be from a student loan that is currently being paid on time and is in good standing with XXXX, XXXX. I did not receive notification that my account was in collections or was owed to anyone other than XXXX, XXXX. I called XXXX, XXXX and they verified that the account was in good standing and did not know why XXXX XXXX XXXX was reporting it to the credit bureau. I have *NEVER* received any communication whatsoever from XXXX XXXX XXXX XXXX and now my credit score has gone down because of them. I submitted a dispute with XXXX and am waiting on the results. Attached is my latest statement, showing that it is paid on time and my monthly {$75.00} payment amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: Consumer Collection Management. Inc
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Consumer collection management IncXXXX located in XXXX XXXX XXXX has caused me to have to send in documentation for XXXXXXXX XXXX that had been previously paid. They contacted me in XXXX Regarding a hospitalization In XXXXXXXX XXXX XXXX XXXX XXXX releases these debts after I have already paid them so either XXXX XXXX XXXX in XXXX in XXXX XXXX Needs to get their billing account numbers and counter numbers straightened out because somehow this Debt Collection Agency gets some sort of notification that for some reason I did not pay when indeed I have and I have documentation to prove it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation