BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-25
Company: United Collection Bureau, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A tax warrant was issued against me for a tax debt owed to the Indiana Department of Revenue. The debt was sent to collections, and I paid the debt on XX/XX/2022 for the total amount owed of {$65.00}. I have since then received numerous calls and letters from United Collection Bureau for attempts to collect the debt, despite me telling them and providing them with proof ( confirmation page from their payment portal, bank statement of funds transmitted ) that I paid the debt. They still insist on calling me and saying that despite me showing proof, their end isnt showing that I paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I filed a dispute with XXXX in regards to the incorrect items reported on my credit report. It has been well over 30 days without receiving any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17
Company: FIFTH THIRD FINANCIAL CORPORATION
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Fifth third bank has been calling my company paid for and provided cell phone for over a month using a computer. I have stayed on the line multiple times to let them know that they have the wrong number. Now they are calling with alive person. I think they are trying to collect from a XXXX XXXX. I told them I 'm not this person and that they have the wrong number. Their collectors will not identify themselves and will not tell me where they are calling from. This is a fdcpa violation. 

They keep calling even after I have told them wrong number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-30
Company: Reverse Mortgage Solutions, Inc.
State: NH
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
secured a Reverse MTG in XXXX in XXXX was informed that our ins canceled and forced ins. of XXXX was charged to our acct. and that payment was expected. Telephone calls and faxes to XXXX XXXX, these included letters from our ins. agent and co. showing that our policy had n't expired since beginning in XXXX and that the Ins. CO. TAKES it 's payment electronically monthly. 
WE RECEIVED A CREDIT OF {$800.00} the amount of our ins. I told them a full credit plus expenses should be credited. 
XXXX another letter from XXXX XXXX telling us that {$1200.00} was due and payable by XXXX this was around the difference between what they charged us for ins, and what we paid. called Left message. 
XXXX/XXXX/XXXX another letter stating that unpaid ins. in the amount of XXXX has made the loan due and payable, if not pd. in 30 days. Called RMS XXXX XXXX explained everything, Faxed info to XXXX. XXXX/XXXX/XXXX called XXXX XXXX left message on voicemail " let me know if you received the fax info if you need anything else let me know '' XXXX/XXXX/XXXX spoke with XXXX asked about documents " waiting for confermation from the ins. dept. but we should be all set & receive a rebate ''. 
XXXX/XXXX/XXXX XXXX certified letters from XXXX, XXXX, XXXX XXXX atty. XXXX XXXX. we are still in breach of contract for failure to pay insurance. Faxed XXXX on XXXX/XXXX/XXXX and again on XXXX/XXXX/XXXX. Also called XXXX at NH. Banking Dept. Legal Div. 
XXXX at HUD forward written complaint ca n't do anything for me hire an atty. Called XXXX, on line application. Spoke with XXXX at XXXX. Spoke with XXXX @ XXXX go to XXXX Housing Counselor, XXXX at AHEAD Need certified reverse mortgage counselor that would be XXXX. Spoke with XXXX go on line national Consumer Protection Bureau she has had excellent results with them keep her posted she will see this to the end.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-07-11
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: IL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I was on automatic payment for my car loan. In fine print supposedly I do n't see it the final payment must be made by check. I did not get a notice until it was too late and now I am stuck with a negative mark on my credit report. We were never late for the entire loan. We also moved and the notice was delayed to us and we had our first baby not that they are excuses but if we paid on time all along and only had a small final payment how can that affect our credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16
Company: National Enterprise Systems, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I submitted a complaint on XXXX. The company responded on XXXX but did not address my complaint. I have since tried to contact them by phone and email to which they have not responded. Original complaint 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 2020-10-24
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Received unsolicited financial product or insurance offers after opting out

Complaint:
I hope I'm reporting to the right page it has to do with an inquiry my credit score was at XXXX I received pre-approved credit cards which I was told would not affect my credit in any way or go on my report I applied for the credit card but because my balance was almost to the max I didn't get approved and Capital One still went ahead and put to inquiries on me which now makes a total of 7 and that makes me look over extended

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-23
Company: I.C. System, 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: Account information incorrect

Complaint:
I contacted the company on XX/XX/2020 and sfvised them that all three credit agencies XXXX, XXXX XXXX and XXXX  were all reflecting this as an open loan that was paid off in XXXX - XX/XX/2020 and they should update their file. However, they refused and told me to do so.

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 2021-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft, there are fraudulent inquires reporting 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 2022-03-25
Company: Experian Information Solutions Inc.
State: NY
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 second time filing a complaint about my credit report. I keep having recurring inquiries appear that i have no knowledge of. The inquiries and/or negative accounts are continuing to affect 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 2022-08-15
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 USC 1681 section 602 8 states I have the right to privacy 15 USC 1681 section 604 A section also states a consumer reporting agency can not furnish your account without my written instruction

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09
Company: Lionstone Holdings Group
State: SC
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I received a call from this bottom-feeding debt collection group in which the caller stated he " had some legal papers to deliver to me '' and that I was to be " served '' these papers in person. He then directed me to call XXXX for more information. This company told me that it is preparing to file a lawsuit against me, in violation of the Fair Debt Collection Practices Act. I see from the numerous complaints in your database that this company makes it a habit of pretending they will file legal action in order to try to collect old, time-barred debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16
Company: CARD Corporation
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I tried to take money out the ATM on three separate occasions and each time the money did not dispute. It was over XXXX that did not come out the ATM. I assumed the transactions would fall off, however they didn't and I filed a dispute with Card.com. I called in today and I was told that no error occurred and that I'm going to have to take it as a lost. I'm refusing to do that. I've had fraud and many other things happen on these card.com cards and even though I've sent in plenty of evidence showing the fraud by sending police reports they still deny everything. At this point is sickening but this one I will not allow. This company does not project its card users against fraud or any other type of transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: MIDFIRST BANK
State: TN
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX XXXX XXXX XX/XX/2022 Loan # XXXX To whom it may concern : I was transferred over from XXXX Mortgage in XX/XX/2022, before I was transferred I completed my Loan modification in XXXX of XXXX Since then, Midland mortgage continues to say that my loan modification hasn't been completed and that they are waiting for the VA to accept the partial claim. I contacted the VA and spoke to the assigned representative handling my case. She advised that the partial claim has been completed and that Midland Mortgage should have all the information to update my account. However, every time I call Midland, they tell me that they are waiting for the VA. This delay has caused me stress and is delaying my refinance since I can't order a payoff until my account is updated to reflect the partial claim. I've spoken to multiple agents at Midland and asked to speak with a supervisor but they continue to tell me that my request is pending review. I have done everything on my end but I continue to get the run around from Midland. Please help me get this resolved so I can move forward with my refinance. 



XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, TN 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 2016-12-15
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
Overnight on XXXX/XXXX/16, my Santander checking account received multiple " hits '' from an unknown source in XXXX XXXX, XXXX. Most were duplicate, repetitive charges which now total more than {$3000.00} on my account. As of this morning, my account is overdrawn - {$1400.00} and growing. I contacted the bank at XXXX this morning to advise them of the fraudulent charges, and my ATM was cancelled. I was then told that the money would stay OUT of my available funds, leaving me overdrawn and without money, until such a time as the vendor requested payment and they " post '' to my account. I 'm supposed to check my account daily, contact them when these charges " post '', and open a claim to have each charge reversed which can take 7-10 days for a provisional credit. For now, my money remains in some limbo account belonging only to Santander. The vendor does n't have it but has up to 30 days to request payment. I ca n't have it, even though the bank LP advised me that the charges are clearly fraudulent. Even when I see it post, I have to wait to have it reversed and made available. My money - clearly part of international hacking/theft - is being held by Santander and not being made available to me even though this was clearly a theft. I have asked that all charges, pending to XXXX XXXX, be noted as " void '' and all my funds be made available to me, but have been advised that it is not their bank policy. I desperately need intervention to move the needle on this chess match. If the vendor holds these pending charges and does n't post them for days or weeks, I may be without appropriate resolution for weeks. Please provide assistance 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 explanation
Consumer complaint received 2022-03-25
Company: Social Finance, Inc.
State: OK
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I was told verbally and in an email from a company representative that my loan would have a 0.50 % rate discount. After I signed the papers, I only had a 0.25 % rate discount. After several calls to SoFi I was told that my loan only qualifies for the 0.25 % rate discount.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16
Company: Experian Information Solutions Inc.
State: AZ
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:
For the last few months XXXX, XXXX  an Experian have laced my credit report with false entries of more than 40 hard inquiries and refuse to remove them. They are obviously misreported inquiries from businesses I have never applied to. Remove all except one XXXX for my car. 
Now I am a victim of poor credit because of this problem fraud by credit bureaus. 
XXXX, XXXX  and Experian refuse to raise my score. They give the lowest credit scores and this is fraud. Raise my score. 
XXXX  refuses to remove XXXX XXXX XXXX XXXX for this is a fraudulent loan. It is not mine. Remove at once.

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 2015-07-01
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I submitted a complaint on-line, but I do not have a complaint number, so my complaint has probably fallen on deaf ears. 
I was able to get my credit reports from XXXX and XXXX without difficulty. Each of them had a list of questions pertaining to my previous employment and/or credit. These were factual and represented transactions that applied to me. 

Equifax, on the other hand, asked me questions that had nothing to do with me. Then, they said that " For my protection '', I had to mail them personal identification ( copies of my SS card and Driver 's License, for example ). This happened XXXX times. THE QUESTIONS HAD NOTHING TO DO WITH ME AND NOTHING TO DO WITH ANY CREDIT IT HAD APPLIED FOR OR RECEIVED. 

This happened XXXX times. I could understand their doing this XXXX time, but XXXX times is excessive and represents a deliberate attempt to keep me from getting my credit report. 

In addition, their requirement that I send the documentation by mail subjects me to the possibility of identity theft. A secure on-line connection where I could scan the documents and email them would ( if their site is secure ) provide me with better protection than having to send sensitive, personal information by mail. 

I suspect that I am not alone in having this problem with Equifax. Either they have a lot of erroneous information about me or they are deliberately trying to circumvent the law. 

If I find that this is the former - that they have so much erroneous information about me, I will amend this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
To Whom  It May Concern,  I have an account with  XXXX   Student Loans ( Federal ) I recently had an informative phone conversation with a represent ative of  XXXX  and was explained why I had late payments reported on my credit report. I was under the impression that a notice of payment due was being sent to my mailing address and that I would contacted via email as well. However, this notice did not arrive until   XXXX   XXXX   over 60 days after I had a payment due. As a result, the late payment was reported to my   credit score.
On top of that, my email and phone number were not update  d with  XXXX  Thus, I was not receiving any communication.  ( I have since updated both my phone number and email address ).

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 2022-02-28
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hello I have filed a police report for this debt because it was identity theft. They refuse to remove it from my credit. I have sent them debt verification letters and they refuse to send me verification despite sending it via certified mail with proof they received letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16
Company: Experian Information Solutions Inc.
State: VA
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:
I have disputed XXXX XXXX account several times in the last two months. Comes back verified and FCRA meets requirements. The last payment dates differ from all bureaus along with account number. At this point it violates my rights and I request for this account to be permanent deleted 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 2020-03-16
Company: EQUIFAX, INC.
State: AZ
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 has been selling my info without me knowing ( illegal ) and now I have over 40 hard inquiries. remove all at once. 
I now have misreported inquiries that do not belong on my credit report. I did not authorize. This is fraud. 
Remove XXXX XXXX XXXX for this is a fraudulent loan and is not mine. 
Equifax needs to raise my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: CL Holdings LLC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2021 I reviewed a copy of my credit report and noticed two collection accounts Jefferson Capital Systems LLC for the amount of {$1500.00} and XXXX  for the amount of {$550.00} that does not belong to me. I reached out to the credit bureaus in regards to this matter on both collection accounts and I have not received a response with proof validating this debt. These accounts are hindering me from purchasing my first home and I would like them deleted immediately. I received a letter in the mail from the creditors with e-signatures that I have no knowledge of. Please resolve this matter as soon as possible.

Company response to consumer: Closed with explanation