BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-07
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: OK
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Signature load from back in XXXX -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX got behind XX/XX/XXXX / XX/XX/XXXX attempted to work out arrangement w/ XXXX - would not work with me in any form while continuing to add penalties/ Fees and Interest on top of the accountXXXX XXXX stopped communicating w/ me for several months then I was contacted by Debt Collection Firm out of XXXX, XXXX ( XXXX & XXXX ) for payment arrangements - which I did as required made payments to them for this account and did so for three years - requested a balance on the account was told that it was paid - but no written documentation was ever sent as requested - collection reps would not give me their name whenever I called back to inquire. 
In XXXX XXXX a Law firm out XXXX through their regional office in XXXX started sending me collection notices on the same account in an amount of approx. half of the original starting point with XXXX -- responded to them XX/XX/XXXX that this was incorrect and the account was paid in full as directed. Started receiving the same notices again this year this spring - they filed suit again me XX/XX/XXXX and the paperwork was served to my husband on XX/XX/XXXXXXXX has posted this account situation with the credit reporting firms on my husbands record as a " joint '' account for the past XXXX years -- he has made several attempts to get XXXX to either validate this information or remove it - their reply is always " correct as reported " Need some help believe I have been a victim or predatory lending/ and collection practices and my husband credit damaged for a very long time in violation of the Fair Credit Reporting ActPlease advise

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
Again Wells Fargo has failed to answer the one question I had for them. Why did you want me to send a copy of my signature to you to verify that the signature on the XXXX XXXX XXXX slip was mine?

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: Optimum Outcomes, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XX/XX/XXXX I sent Optimum Outcomes a certified letter asking for proof of a debt they allege I owe. Furthermore, they have placed this against my credit with Equifax. They were given XXXX days to respond via mail and I have still not received the requested documentation I 'm allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
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: Their investigation did not fix an error on your report

Complaint:
This account continue to be a mystery to me, I do not have a financial obligation with this company. They have no verifiable proof. 

XXXX XXXX XXXX : {$1600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
XXXX XXXX, VA XXXX, Reports All XXXX credit reporting companies false starting dates for debt REAGING XXXX XXXX XXXX, requested that they not contact me until the issue was resolved still calls

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
Company: CAB Receivables, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On  XXXX   XXXX  I sent a letter  to Cab Collection agency  asking them to validate the debt they are saying that I owe for {$100.00}. On  XXXX   XXXX ,   XXXX   I recieved a letter from someone at the collection agency stating they can not find the account that listed on my credit report and asked for me to send in documentation about the debt. The letter stated that I wanted to settle the account but that was not what my letter stated to the collection agency. They have not validated the debt and is not able to validate this debt per the letter they sent to me via the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the fair credit reporting act Account # XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a 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 2021-06-19
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have sent multiple letters from XX/XX/2021 to XX/XX/2021 disputing 2 collections that are reporting to my Credit Report and I have NOT received any correspondence back from either company. These 2 collections could be fraudulent and I do not know what they are. Experian, XXXX, and XXXX  have not investigated any of my request! See attached copy from my credit report showing these collection accounts!

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 2023-03-23
Company: GOLDMAN SACHS BANK USA
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Marcus by Golden Sachs ( GM Rewards Credit Card ) Account opened... XXXX Account closed ... XXXX Credit amount approved ... XXXX Account was closed suddenly without any notice. I found out while trying to make a purchase and was declined. I called to find out what was going on especially since the account was recently opened. They told me the account was closed due to regulatory reason, with no additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-22
Company: Harvard Collections, LLC
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This is not my debt and This is not a refusal to pay. It is a notice that I am disputing Harvard Company 's claim and requesting validation under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g ( b ). Pursuant to the FDCPA, they must ( a ) provide the requested verification before continuing collection activity or ( b ) stop all collection activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have a second mortgage with Bank of America. I encountered difficult financial issues because of a serious family matter. My second mortgage fell behind. I stayed in contact with Bank of America. I attempted to make a payment on line in XXXX and the they blocked my ability to make any payments. I mailed a payment and they refused to accept it. I spoke to a number of representatives and they told me the loan was in in foreclosure. They said I could apply for a reinstatement if I paid 90 days of payments, plus about {$1700.00} in legal fees that they managed to accumulate instead of just accepting my payments to begin with. I was assigned a case manager named XXXX XXXX. We spoke once and then she passed me on to a case manager named XXXX XXXX. 
He attempted to call me one time while I was at work. I tried to call him back. None of the case managers have extensions, e-mail, direct lines or any other way to contact them, except blind luck. I agreed to their predatory arrangement of paying more than double the amount due to pay their attorney that filed the totally unnecessary foreclosure just so I can get on with life. I sent a cashier check next day air on Monday, XXXX XXXX in the amount of {$2000.00} to the address that I was instructed to send it to. They claim they did not receive the check, yet I have tracking information to prove they did receive the check. 
This entire process is designed to create road block after road block to make sure you are unable to make the payment, so they can charge unnecessary and ridiculous legal fees ( and I am sure it is an in house attorney or one they are receiving compensation for referrals ), and or take my home from me. As of the filing of this complaint, they still will not acknowledge receipt of my check and I am 100 % certain they are doing this so they can accumulate more fees and take my home. I need your help.

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 2020-10-06
Company: Experian Information Solutions Inc.
State: TX
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 recently filed a complaint due to inaccurate And unauthorized inquiries on the credit report. Experian responded with a generated template stating they could not reinvestigate my dispute. I have contacted the companies reflecting the unauthorized inquiries and was directed to contact Experian. I would like the unauthorized inquiries deleted and removed if they can not be verified by the company that is reporting them. 
XX/XX/XXXXXXXX XXXXXX/XX/XXXX XX/XX/XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXXXX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 2023-04-11
Company: FIRST FINANCIAL BANCORP
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
In XXXX, 2023 the consumer completed an online credit application with First Financial Bank and after completing the application the consumer has become a victim of " unauthorized use of credit '' pursuant to 15 U.S.Code 1602 ( p ) and being " discriminated against '' pursuant to 15 U.S.Code 1691 ( a ) ( 3 ). Furthermore, First Financial Bank has obtained the consumer 's " consumer report '' under false pretenses pursuant to 15 U.S.Code 1681q because First Financial Bank does not have " permissible purpose '' pursuant to 15 U.S.Code 1681b. Pursuant to the Consumer Credit Protection Act, including but not limited to, Truth In Lending ( 15 U.S.C 1601 et seq ), the Fair Credit Reporting Act ( 15 U.S.Code 1681 et seq. ) and the Equal Credit Opportunity Act ( 15 U.S.Code 1691 eq seq ), First Financial Bank actions are of the following " unauthorized use of credit '', " obtaining information under false pretenses '' and " discrimination '' which is a civil violation ( 15 U.S.Code 1681n, 15 U.S.Code 1681o and 15 U.S.Code 1691e ) and criminal violation ( 15 U.S.Code 1611 and 15 U.S.Code 1681q ) with respect to the consumer. On the online credit application by First Financial Bank, the consumer provided two ( 2 ) " credit cards '' pursuant to 15 U.S.Code 1602 ( l ) existing for the purpose of obtaining money on credit. The first " credit card '' the consumer provided was the consumer 's social security card, the second " credit card '' the consumer provided was the consumer 's drivers license. Both cards were then " accepted credit cards '' pursuant to 15 U.S.Code 1602 ( m ) and upon completion of the online credit application the consumer received no benefit from this transaction. First Financial Bank sent a letter of " Adverse Action '' to the consumer stating that First Financial Bank stating the description of the action taken as DECLINED. Lastly First Financial Bank fails to comply with Ohio Revised Code 4112.021 which prohibits discrimination against consumers

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Last year I filed an Identity Theft report with the FTC and as a result placed security freezes and fraud alerts on my credit reports with the 3 major reporting agencies. Of the 3 only XXXX allows me to access my reports and freeze online. TransUnion and XXXX both deny me online access and Ive tried to resolve the problem over the phone and by mail but every time I request any reports or lifts or any information I have been denied. Ive submitted Identifying documentation but still havent received any help. Recently I even received two letters denying me credit and/or loans that I havent applied for. I request access to any application attempts for credit as well as access to my reports.

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 2017-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint:
They do not allow you to dispute with them. They are a crooked entity that ensures you are not successful in canceling your membership. The XXXX number posted on their main website is a fake number, it is no longer in service, which in turn permits them to continuously keep charging your account for their corrupt services. Something needs to be done about this. Apparently paying XXXX dollars in fines that was imposed on them with the W.George Bush law that was passed, had no affect on them whatsoever. How can you continuously keep letting them get away with this is mind boggling. They are messing with our credit and destroying Amercian families that built this free Democracy. Enough is enough. We will be picketing and getting on the world wide news with this so our voices are heard.

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 2023-01-05
Company: EQUIFAX, INC.
State: MS
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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day oveXXXX XXXX XXXX later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX XXXX gives a reason to immediately remove those items from my credit report. It has been over XXXX XXXX so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the Equifax XXXX XXXX and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have stuff on my credit report that does not belong to me, I go by XXXX not XXXX. I want the stuff removed that is listed for XXXX. with experian

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 2017-03-20
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I had XXXX accounts at TD Bank ( checking and savings ). I started working for " XXXX '' XXXX. To get paid I had to set up direct deposit so I gave them my information, card and account number. I started working XX/XX/2016 and by late XX/XX/XXXX I went to make a purchase and was informed that my account had no funds available. When I went to the bank to find out what was going on they showed checks that were deposited into my account that I did not recognize. They informed me that another checking account was opened via phone, I did not authorize this account to be opened nor any of those checks to be deposited. After this I went to the precinct to do a fraud report which I did. After that a detective went to the bank with me to proceed with the investigation. They asked me if i had any idea who would do this and I said that the only thing I can think of is that they may have taken my account information when I set up my direct deposit. They informed me that I 'd receive a letter in 10 days, which I did not. After two months of not hearing from anyone I went back to the bank and they informed me that the account had be closed and that I had to pay the money on the account because I gave my account information to someone. But I explained to them that that was given to the company to set up my direct deposit, not to open any additional accounts without my consent or to conduct fraudulent activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
My American express serve card was stolen from my home, the card was then used to withdraw the entire balance of my account from {$420.00} down to {$0.00} with in hours. I contacted American express to dispute these transactions, as I ( the card holder ) did not preform or authorize these transactions. American express declined the dispute for these transactions, claiming the transactions were valid.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-19
Company: Rushmore Service Center, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Rushmore Service Center continues to attempt to collect a debt they can not prove is mine. I have asked on three separate occasions for the documentation indicating my business relationship with RSC and the contract with my wet signature. RSC continues to send a copy of what looks like an old bill. They are using unfair and deceptive means to collect an alleged debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: EQUIFAX, INC.
State: NC
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 sent letters to the credit bureaus on XX/XX/22, XX/XX/22, and XX/XX/22 requesting they provide proof in the form of payment history on the attached accounts. The payment history would prove the late payments as well as verify the reporting balance. Nothing has been provided to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I had XXXX. I woke up one day and was XXXX. I was XXXX until XX/XX/XXXX and am now recovering. During the time I was Ill no payments were made on my mortgage and a foreclosure was filed The sheriff 's sale is Tuesday I have XXXX in equity in the house and the bank refuses to postpone the sale to allow me to work out a payment plan and bring the loan current The lender is the Bank of America loan number XXXX. I have been talking to XXXX XXXX Ext XXXX. I do not want to have to file bankruptcy chapter XXXX to stop the sale They claim they offered me a modification last spring but I was XXXX and XXXX. XXXX XXXX XXXX XXXX , Illinois XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made a credit card payment to Barclays Bank on XX/XX/2022 in the amount of {$920.00}. Barclays sold my credit account to XXXX Bank and neither bank has given me credit for that payment made. XXXX has referred me back to Barclays. Barclays attempted to communicate with XXXX and XXXX from the XXXX XXXX has called me, but previous claim is now closed even though this situation is not resolved. XXXX continues to be non-responsive. I have also filed an action with the XXXX against XXXX over this. I would like proof from Barclays that they received my payment based on the transaction information I provided them, as well as proof of them sending it to XXXX. I would like my refund of {$920.00} immediately. I have proof of payment from XXXX Bank including the credit tracing number. 

Previous Claim # 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