BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-14
Company: BANK OF AMERICA, NATIONAL 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:
Context : I am a resident permanent from XXXX thanks to my dad, after that, I was living in XXXX and was coming back to the XXXX at least XXXX times per year all this during these XXXX years because I was preparing myself to work as a XXXX XXXX because this is my career and love it. 

On XX/XX/XXXX of XXXX, I decided to arrive to XXXX because I am very close to obtaining the job of my dreams ( As a XXXX XXXX ). I got my Driver License, I created a Bank Account, and I started trying to get a credit card but all institutions which I tried was refusing my requests thanks that I decided to talk with my sister about it and she suggested to me that I created an account with XXXX to check my credit historical ( Until that moment I didn't know about that ), thanks to that I discovered a lot of cards with a lot of debt on the dashboard of mentioned application obviously I never request these cards ( Only a XXXX XXXX card was requested by me ) for that reason I am here reporting this crime in my name. 

I suspect my dad because he was access to my personal information, and the addresses used on the reported credit cards are addresses where he was living. 

I certify the representations made are true, correct, and contain no material omissions of fact.

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 2016-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
As a XXXX customer, I was out on vacation and I was charged, {$130.00} for local calls in XXXX timeframe, I disputed and they kept saying I made international calls. I have sent letters to FTC and XXXX complaining the same. They have not only reported me to credit beareau, my complaints to the credit beareau, FTC and XXXX has gone unnoticed. To make matters worse they have refreshed the report again on my credit history, this has caused me XXXX to no end. I have disagreed to pay and fight this illegal charges on my principles of fight the corporations for there egregious mistake. Please help me resolve this charge 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 2017-02-27
Company: Partners for Payment Relief
State: CA
Product: Debt collection
Sub-product: Mortgage
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
On XXXX/XXXX/XXXX, debt collector accessed my credit without my permission and claimed reason was for real estate application. I never submitted a request for credit application with debt collector. I made contact with company used to access credit and was referred to their Compliance Dept. on XXXX/XXXX/XXXX. Then was told that inquiry could be removed but only if I sent them a copy of my Driver 's License and social security card or a XXXX that shows my social security number. 

Company : XXXX/Partners for Payment Relief XXXX : XXXX XXXX XXXX Person whom I spoke with at XXXX is XXXX XXXX XXXX ) XXXX In XXXX XXXX debt collector filed a Notice of Default with County Recorders Office, to foreclose on property. I would like the inquiry to be removed from my credit. The Notice of Default was proper procedure for this type of debt collection, not an unlawful/deceptive access into my credit for any reason not authorized. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21
Company: Security Credit Services, LLC
State: CO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Upon monitoring my credit reports using CreditKarma.com. I noticed that Security Credit Services had placed a negative listing on my credit reports. I immediately sent them correspondence requesting proof of debt under the FDCPA ( Fair Debt Collection Practices Act ) Section 809 ( b ) Validating debts. I advised that this was the XXXX I have ever heard of this debt. On XX/XX/XXXX I requested full debt validation and demanded the removal of negative reporting from all the credit bureaus. They have replied back on XX/XX/XXXX that they will cease all collection efforts and investigate this matter. However they continue to report inaccurate information on my credit reports. I am demanding they comply with FDCPA and remove this from credit reports until they can provide proof of debt and provide me 30 days to dispute. I never received any correspondence fromt this company before they negatively reported to the credit bureaus.In addition, the negative reporting they have done is very vague and deceiving to determine anything about the alleged debt. Also, I was contacted in XX/XX/XXXX by another debt collector that was unable to comply with FDCPA and apparently " sold '' it to this agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Hello I recently submitted a request to Trans Union in XXXX 2016 to delete an account that was a result of Identity Theft. They have not removed it and I am writing another letter for them to either delete the item or provide there method of verification. I thought that they were suppose to remove it within 4 days of receiving my letter. I do n't think this is fair. This negative item is making it hard for me and effecting my life adversely. I need your assistance in removing this item from my credit report with Trans Union immediately. Thank You 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 2016-07-15
Company: U.S. Collections West, Inc.
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I moved out of an apartment complex and did not pay the final month of rent. They sent me to small claims and ultimatley garnished me. I fullfilled the full garnishment that was approximatley {$3300.00}. On the garnshment there was a column for other damages ( as far as carpet blinds basic maintance of the aprtment ) and on the original garnishment they put XXXX. In the state of Arizona you can file a small claims complaint of up to {$3500.00}. Now US Collection west is attempting to garnish another {$1300.00} for damages. In addition, with the original garnishment they charged for rent unpaid. In this new small claims complaint they are charging another {$540.00} in rent ( what they told me the time it took to rent out the apartment ). They are attempting to sue me twice on XXXX lease agreement. I feel like they got the most they could get in the original garnishment as allowed by small claims court XXXX and they are attempting to go for more. Another issue I am having is they filed the original small claims complaint with XXXX Justice Court and now for the second complaint they are filing with XXXX XXXX Justice Court. I would like an explanation on why they are using different courts if it is the same collection agency and for the same apartment complex. I believe this to be decieving the court system

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29
Company: CNG FINANCIAL CORPORATION
State: NM
Product: Payday loan
Issue: Charged bank acct wrong day or amt

Complaint:
I contacted Check-n-go to extend my payment out to an additional week because I would n't have the money to pay my monthly payment on the scheduled day. The first person I spoke to was a male who assured me that he can extend my due date for another week. This was around the XX/XX/XXXX. I received a call from a woman that worked in the same office a few days later claiming that my due date was never changed and that the man that claimed to have changed it, could n't do that without me refinancing so she recommended that if I wanted to change my due date I would have to come in and refinance. So I went in on the XX/XX/XXXX to refinance but could n't because they had to wait for the payment that was already ACH from my account to return as paid or unpaid in order to refinance. She informed me that they could not debit or ACH my account again until they call me first. She also informed me to check back with her on XX/XX/XXXX and everything should be returned and situated by then. I returned on the XX/XX/XXXX only to find that someone had sent the payment back out. They violated their own policy when they sent the payment back out because they were supposed to contact me first and they did n't. They ended up terminating the man that assisted me and I received another overdraft fee but that was n't the real issue. the issue was that they violated their own policy and they made it seem as if it was n't a big issue at all but it was to me because I felt that I was being treated poorly and unfair. At that point I did n't want any part of their business. I am not saying that I should n't pay anything but I should n't have to pay what they expect me to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
Company: ALLY FINANCIAL INC.
State: OH
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 have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2021-03-14
Company: AMERICAN EXPRESS COMPANY
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:
Context : I am a resident permanent from XXXX thanks to my dad, after that, I was living in XXXX and was coming back to the XXXX at least XXXX times per year all this during these 13 years because I was preparing myself to work as a Software Engineer because this is my career and love it. 

On XX/XX/XXXX of XXXX, I decided to arrive to XXXX because I am very close to obtaining the job of my dreams ( As a Software Engineer ). I got my Driver License, I created a Bank Account, and I started trying to get a credit card but all institutions which I tried was refusing my requests thanks that I decided to talk with my sister about it and she suggested to me that I created an account with XXXX to check my credit historical ( Until that moment I didn't know about that ), thanks to that I discovered a lot of cards with a lot of debt on the dashboard of mentioned application obviously I never request these cards ( Only a XXXX XXXX card was requested by me ) for that reason I am here reporting this crime in my name. 

I suspect my dad because he was access to my personal information, and the addresses used on the reported credit cards are addresses where he was living. 

I certify the representations made are true, correct, and contain no material omissions of fact.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-04
Company: Opportunity Financial, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XXXX of XX/XX/2021, PayPal did send me an email requesting me to provide information since the account was TEMPORARY limited until I present the documents requested. 

On XXXX of XX/XX/2021, I provided all the information and documents requested that is National ID, Bank Statements, Proof of address and information on my account activity. 

On XXXX XX/XX/2021, my account got PERMANENTLY limited by PayPal despite providing valid and sufficient documents and information requested one ( 1 ) day earlier.

At the time of closure my account has a total balance of {$140.00} which I can't have access to until 180 days have elapsed.

I have tried to reach the company via their official XXXX handle and direct calls with no avail. Upon checking on the Resolution center, they said the decision was final.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29
Company: ALLY FINANCIAL INC.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Allied auto loan continue to harass me by calling several times wanting payment payment is due the XXXX of each month made payment on XXXX 2016 which was still under the 10 day grace period of not being late they continue calling and wo n't stop. I did answer their phone calls 2 times and ask why are they still calling me. They gave me reference number XXXX and said they would stop, but they continue. The second call I answered I was not given a reference number he only gave me his employee # XXXX and name XXXX. I have been receiving a total of XXXX calls as of today hope you can help me. I am a XXXX patient and receiving these calls have made me go this far because I ca n't take it any longer.

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 2020-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 recently for an apartment and I got denied. I got denied. I don't understand why I would be de-nied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on, but these items are not mine and they all need to be deleted from 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 2021-04-21
Company: WAKEFIELD & ASSOCIATES, 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: Information belongs to someone else

Complaint:
As stated in the HIPAA law section 1681b ( g ) ( 4 ) you are not allowed to disclose any of my medical information this is clearly a violation to my privacy. I would like this be taken out of my credit report immediately. I reserve the right to sue your company for violations of my consumer rights as indicated under both the FDCPA and the FCRA. I will also seek damages from you if warranted.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card
Issue: Credit determination

Complaint:
In a 31 day or less Billing Cycle I make at least XXXX payment to my accounts with Capital One. Each time I make these XXXX payments this company takes almost 50 % of the payment amount toward the balance for APR each time, not only for purchases but cash advances. Making it almost impossible to every pay down your balances. I want to know the interest that is charge should be on each payment you make after initially making your minium monthly payments each month is a violation of my consumer rights?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have requested that Equifax do an investigation with my inquiries, I even submitted an FTC report which only allowed me to add 5 accounts to the report. I have advised Equifax of this and they state they would put all inquires on file in dispute. I have not heard nothing back from Equifax and it has been over 30 days.

Additionally, they have removed some of the hard inquires, but left 11 on my credit report which are considered fraudulent inquires. No communication has been received from this credit bureau which violates the law.

Please have those inquires removed ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXXXXXX XXXX XXXX XXXX and Capital One N.A. It seems Capital One has taken over XXXXXXXX XXXX XXXX XXXX as recent statements sent by collection company are under Capital One and they have been contacting me about a debt since XXXX. They put the supposed debts in collection in XXXX with XXXX XXXX XXXXXXXX and they are now transferred to XXXX XXXX XXXX when I lived in CA.. 
They contacted me and I told them in writing and that it is not my debt, that my identity was stolen and asked them to stop contacting me. They refused and continued to contact me and making threats that I would be sued. 
XXXX XXXX XXXX kept contacting me. They sent me " Proof '' that the account was mine, by sending me a statement with my name and an address I have not lived at for several years. This is not " proof ''. I have asked for something with my signature, but they have refused to send it. 
This is not my debt and I refuse to pay it. 
This has been on my credit report since XXXX and as of XX/XX/XXXX it says it will be on there till XXXX.They seem to be changing the collection services to start the 7 year date all over. I have never acknowledged this debt as it is not mine. I have written to both collection agencies and XXXX and Capital One, stating not to contact me and the debt is not mine. They still continue to contact me and make threats. 
I have also contacted the 3 credit reporting agencies in an attempt to remove these accounts several times over the years, but to no avail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-08
Company: CNG FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
This debt is from 2011, a loan from a check cashing company. I became XXXX in 2011 and was laid off not too long after that, When I went into the check & go store, was informed they would not accept cash but illegally debited my bank account and had not given them access for EFT, I was turned over to this same agency and filed a complaint with the FTC and the case against the agency was won and the amount was supposed to been forgiven. Friday I received a phone call on my home phone asking for me, as soon as I answere yes I was told it is a attempt to collect a debt at no time did they identify themselves, when I argued with the girl on line I was transferred to a muscle guy who demanded I pay " or Else '' threatened me with legal action, when I informed him I was XXXX he said that they could seize my bank account, social security XXXX, and all my assets by that time it had escalated into a shouting match, I have received XXXX calls this morning in a row between my cellphone and home phone which was not anywhere on the original debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02
Company: The Best Service Co.,Inc
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I 'm XXXX years old and just did my first real credit report and discovered a {$590.00} collections on my record from a joint bank account I opened with my parents with XXXX XXXX XXXX XXXX when I was XXXX. I do n't talk to my parents anymore, nor do I bank with XXXX XXXX XXXX XXXX, so this was complete news to me. I have never been contacted about it and have no idea when it is from or why it is. 

Since Monday I have tried to contact the collections agency it is under, " The Best Service Company '' for a validation letter to understand it, and all of the phone calls end up being on hold for more than thirty minutes to the point where I can no longer wait because of my life getting in the way, and the website gives me a " Fatal error : Class 'Mail ' not found in XXXX on line XXXX '' when I try to fill out their form to get them to contact me. I have tried contacting them eight times since Monday and so far nothing besides getting bounced around and the error message on the website. I would really like to get this issue resolved because the nearly {$600.00} outstanding debt is obviously a bad mark on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XXXX i was a victim of Fraud i reported it to the XXXX Police Department. After that ive noticed account on my Personal Credit Report. I sent in the Police report to the 3 credit Bureaus with the accounts in question that needs to be removed but for some reason they want remove said account ive been going back & Forth with Transunion, XXXX, & XXXX for 8+ Months with minium removals & Transunion sent a letter saying it want investigate any further & Sending all the stall type letter to me. 
This has started to be very stressful. I thought Transunion, XXXX XXXX XXXX was here to help the consumer i guess not, so now i reaching out to you the FTC/ CFPB

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