BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-10
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: Their investigation did not fix an error on your report

Complaint:
According to Experian and  XXXX , I have an account with a collections company named  XXXX   XXXX   XXXX . I have requested validation from  XXXX   XXXX  since  XXXX  of  2015  with no response or validation that I owe a debt, so I sent  two  certified letters to both Experian and  XXXX  in  XXXX     2015  and not only have they never responded back to me, but they never verified the debt that they alleged that I owe. Also, the collection has been removed 5 times on both credit files and were put back within 5 days with no notice sent to me as to why -- -that is a violation and subject to fines according to the FDCPA. If the alleged collection account can not be validated as mine showing that I had a contractual signed agreement to pay  XXXX   XXXX   XXXX  then it needs to be removed off my reports permanently.

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 2015-07-20
Company: Ocwen Financial Corporation
State: MO
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
GMAC filed bankruptcy and sold our loan off. Ocwen financial now services it. XXXX years ago they showed us at XXXX on line for our loan. I set it up for auto pay bi monthly to pay it off faster. since then the amount has gone up to XXXX and yet we have not been late once nor have we missed any payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
At issue is whether or not it is legally permissible for Peoples Unit ed Bank of Connecticut ( " People 's Bank '' ) to act without our permission or authorization to take money from our account because Peoples Bank assumed the funds belonged to the Social Security branch of the Federal Government. Also at issue is Peoples Bank failure to provide us with the Governments written instruction, as we h ave requested.      People 's Bank wi thdrew {$1500.00} from our account ( owned by  XXXX   XXXX  and  XXXX   XXXX   ) o n  XXXX   XXXX ,  2017  to satisfy a debt owed by  XXXX   XXXX   (  NOT a debt owed by  XXXX   XXXX  OR  XXXX   XXXX , the account holders from which the money was withdrawn ).  People 's Bank claims they had the authority to withdraw the money " because the government aske d them to do so. ''  XXXX   XXXX  and  XXXX   XXXX  are NOT a party to the debt claimed to be owed to the  Social Security Administration. We ha ve requested tha t People 's B an k provide us with the Government 's written instruction to withdr aw these funds - and they have ignored our request.     We have also demanded th at People 's B ank return our money - {$1500.00} - but they have ignored our request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: CREDIT ACCEPTANCE CORPORATION
State: DE
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 checked my credit and realize XXXX and XXXX is reporting a missed payment for a account that's not mines and can not be verified. The creditor Credit Acceptance Corp. does not have my correct information on file. The account is closed! 

XXXX is reporting Fraudulent accounts that are not mines such as XXXX XXXX XXXX. XXXX removed all my positive credit info and replace it with fraudulent derogatory information.

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 2017-05-10
Company: USCB, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Last week I received a call from a collection agency for a debt they said I had with XXXX XXXX XXXX from XXXX. Because I did n't know if this was a scam or not, I told them to send me something in writing. On XXXX XXXX I received a bill from USCB America requesting {$450.00}. I was able to confirm with my current HMO XXXX that I was not under XXXX in XXXX and XXXX. I believe I was under XXXX during this time, but I do n't have any records related to an outstanding invoice or any XXXX correspondence. If the bill was for XXXX and I stayed with XXXX through XXXX, any outstanding bills would have been paid. I would like the CFPB to help me with this request as I do not believe it is valid. There is no proof of an outstanding debt and most of all, why did it take so long for them to contact me if it is valid?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: Experian Information Solutions 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:
There is a collection from  XXXX   XXXX  for {$2400.00} that has been showing up on my credit report for a couple of years now that I have been disputing. I was staying with my sister during this time frame.

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 2015-10-28
Company: Empowerment Ventures, LLC
State: GA
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
I have been on the phone with Rush Card for 2 weeks now about my balance being at XXXX instead of XXXX and my card being used when I was n't using it. I tried to call and the phone is being hung up or not answer. I have been on the phone today for XXXX hours trying to see why my card is deactivated. I got told the system was down, they sent me a new card in which I have n't received, and the next XXXX yelled at me and now as I type I am on hold again and it had been XXXX mimutes. They are not giving any answers about this and all I want is my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-29
Company: Asset Maximization Group, Inc.
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This bill was already paid by my insurance companies

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14
Company: Empowerment Ventures, LLC
State: FL
Product: Prepaid card
Sub-product: Payroll card
Issue: Unauthorized transactions/trans. issues

Complaint:
My issue is with Rushcard XXXX. Earlier this week I received an email stating there was going to be an update that eould cause an outage XXXX. Never would I have imagined an outage would mean an outage of my direct deposit. I can not explain the agony that this has caused my family. We are presently living from paycheck to paycheck like most americans and have {$0.00} to live off of until this matter is resolved. I have made countless attenpts to reach a live representative of Rushcard for an explanation and it seems as if they have completely cut their phones lines off as the automated system does nothing but disconnect the call without connecting to a representative. After doing some online research, I was able to find a phone number XXXX. I called and spoke to a representative named XXXX who was completely rude from the beginning of the call. It seemed as if he was overall frustrated from the XXXX calls that I am sure he received just like mine today. He would not let me complete a sentence, he did not give me an ETA. I asked for his supervisor 's name and he told me XXXX. I asked for the VP of the company 's name and he told me I could look it up on the website. He then proceeded to tell me there was XXXX calls waiting in queue as if it was my problem and hung up the phone in my face. I was unable to get through back through as it was after XXXX hours when i was finally connected to a rep. I was XXXX to the point of tears because I held on the phone for over 30 minutes just to be treated that way. As a consumer and a person who also works XXXX, I know the number XXXX rule is customer service. I am completely paranoid over the fact that my money is lingering out there and the only explanation I have gotten is a pitiful post on Rushcard 's XXXX page from the ownerXXXX. XXXX families are being affected by this " glitch '' and we have yet to get a satisfactory answer. I would really like for someone to assist me as well as the other families as I know this is not the American Way. Someone please help me! Please!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-22
Company: CAVALRY INVESTMENTS, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Cavalry has continued to report and attempt to collect debt that is not mine. I have attempted several times to resolve this issue with Cavalry to no avail. They continue to send me collection letters for accounts ending in XXXX and XXXX. This is not my debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
My ex-husband XXXX XXXX him and his new wife took my social security and had all my info and opened accounts and used my name for different things she also worked under my name at a XXXX in XXXX Utah where they grabbed most of the 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 explanation
Consumer complaint received 2022-08-04
Company: ACIMA CREDIT, LLC
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Confusing or misleading advertising or marketing

Complaint:
Purchase a necklace through lease ( XXXX ) option ACIMA leasing on XXXX. Making payments on regular payments. However this last month of my contract. I contracted XXXX and asked Acima for some relief, because I had to shelter in place for XXXX days, I spoke with rep, she stated she would note my situation on my account. They wouldn't contact me for XXXX days. However I received a barrage of phone calls everyday twice a day even on Saturday & Sunday. Harassments to the fullest, I asked the operator was their notes on my account, that I had already spoke with rep about my condition. She stated yes, but company policy was however was keep up pressure calling client until they submit or return necklace.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
XXXX ) i notified XXXX that on XX/XX/2016 i sent XXXX a certify letter disputing my account it was delivered an as indicated in the ( FDCPA XXXX ( A ) ) the creditor has 30 days to put a remark that i have disputed the account which they have not done and its still being reported by equifax has not removed the report i sent XXXX more letter to XXXX to the same add as the first letter but this time they not accept them. This is affecting my current process for a job with customs. and i also requested that equifax remove some hard inquiry that i have not authorized and they said they can not removed them i hope you can assist m with this situation. i will include copies of the certified receipts and returned letters.

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 2016-07-04
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Debt collection
Sub-product: Auto
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Santander USA is the orginal creditor for this acccount. THIS Is THE XXXX Debt Debt Collection Agency that has reported this information on my report. They have stated this account was opened XX/XX/2016, which is incorrect. According to XXXX you can not place this on my report when the statue of limitations have passed, by reinsert.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: BB&T CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have been banking with  BB & T for a number of years. I was recently charged over {$200.00} for overdraft fee 's because the bank continues to clear charges when there is not enough money in my account to cover the new charge instead of declining my attempted charge. BB & T charges {$35.00} per over draft and some of these recent charges were on purchases of less the {$10.00 }. They have never suggested a solution! I feel this is very unfair - the bank should decline my purchase instead of paying it if there is not enough cash in my account to cover. They will not refund their charges they are very uncaring, its just the way it is. If I carried large daily cash balances would they treat me like an untouchable, "  XXXX  No ''! It appears to be a wonderful source of free money to them. I would pay less of in penalties using a loan shark. I have been charged {$35.00} on an overdraft of {$2.00}. There should be a percentage limit or dollar amount based on the amount of the overdraft.

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 2016-12-07
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
A brief history. I am a victim of mortgage fraud and still in federal court because I found fraud on the court. This fraud on the court allowed me to stay in the XXXX XXXX. But as ProSe I made some mistakes. Now XXXX years later I am back at the Supreme Court and need your help. Attached to this email is a letter from Supreme Court telling me my appeal must be properly brought before the court dated XX/XX/2016. Also attached a timely filed brief by me that was restricted from the public with proof of XXXX on the XXXX and Certified Mail XXXX XXXX and lower court certified docket sheet. Also I never signed for any type of home improvement, cash advance or to pay taxes. It was suppose to be a simple refinance for {$59000.00} If you could give me the contact information again by phone or email a great service is done. 
Thanking you in advance. You can call or email me anytime. This is to important and time sensitive. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 been the victim of troubling and on going ID THEFT. I have had a fraud account that was removed from my credit report and   XXXX   has in the past removed it and now they are re-reporting it. I have sent in police reports as well as other supporting documents.   XXXX   XXXX   WITH A BALANCE OF  XXXX  THIS IS A FRAUD ACCOUNT AND NEEDS TO BE REMOVED. I HAVE SPOKEN WITH   XXXX    AND WAS TOLD IT WAS   XXXX   RESPONIABLY TO REMOVE THIS

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 2017-05-10
Company: Experian Information Solutions 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:
I sent the reporting agency a letter on  XXXX / XXXX / XXXX  then again on  XXXX / XXXX / XXXX  and finally another letter on  XXXX / XXXX / XXXX . They have not responded to my request with the required 45 day time.

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 2017-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I sent the reporting agency a letter on  XXXX / XXXX / XXXX  then again on  XXXX / XXXX / XXXX  and finally another letter on  XXXX / XXXX / XXXX . They have not responded to my request with the required 45 day time.

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 2017-05-10
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Failure to alert me of suspicious activity and failure to provide consumer protection against online fraud.   CC Company : Barclaycard,  XXXX , DE Merchant : Tickets  XXXX    XXXX   XXXX   Date  XXXX / XXXX / 2017  Amount : {$810.00} My credit card information was stolen online to purchase  XXXX  same day basketball game tickets. I filed a dispute after speaking to the merchant. Credit card company " investigated '' and found in favor of the merchant. Reason being the merchant said they sent the tickets electronically to a n e mail address with my name on it, therefore that meant I must be made the purchase. But that was NOT my e mail address. The theft who stole my information created an e mail address with my name in it so he could have the merchandise sent to him electronically. That is how online fraud operates!! Anyone could create e mail account using any name they choose!!     Barclaycard told me they have now completed the investigation ; it is now up to me to negotiate with merchant. The merchant tells me to work it out with Barclaycard.

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 2017-05-10
Company: Experian Information Solutions Inc.
State: LA
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 been the victim of troubling and on going ID THEFT. I have had a fraud account that was removed from my credit report and Experian has in the past removed it and now they are re-reporting it. I have sent in police reports as well as other supporting documents.   XXXX   XXXX   WITH A BALANCE OF  XXXX  THIS IS A FRAUD ACCOUNT AND NEEDS TO BE REMOVED. I HAVE SPOKEN WITH  XXXX  AND WAS TOLD IT WAS EXPERIANS RESPONIABLY TO REMOVE THIS

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 2015-04-16
Company: Forest Recovery Services LLC
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This is a collection for something that I never agreed to and is not mine. It has damaged my credit score immensley and affected my ability to get a home loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12
Company: Rodenburg LLP
State: SD
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Rodenburg Law Firm is attempting to collect a debt that they purchased from XXXX. I have never entered into a legal agreement with this debt collector.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: Mortgage Research Center, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This is about Veterans United home loans.     These guys are shady, this is the  only avenue in which i can voice my complaint as they delete all negative reviews and  complaints about them from their website.     I am a  XXXX   year old  old  XXXX  veteran, i am   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , I am attempting to get a VA  home loan s o i can break the cycle of homelessness i deal with periodically due to the fact my   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  .     I qualify, i passed all pre qualification requirements, however they require you to list a next of kin on your application, not as a co-signer or anything, they just want a next of kin.     Well, seeing as how i am   XXXX   XXXX    XXXX  due to  XXXX  alone, I am unable to contact people that first have no business knowing that i am getting a home loan, and second i have n't spoken to in years due to my illness.      If Veterans United were really there for the veterans as all their advertisement states, then they would  understand that some of us deal with issues that we can not simply get over because you want us too, in addition they try to make you as the client to believe that the VA loan itself requires this information, and they can do nothing about the mean ol ' VA 's rules.     Well this is an outright falsification, they require it, and are downright rude and disrespectful when dealing with veterans, i was told if i can not simply get over my illness and require the information the VA states i must have, then i am just wasting their time.     I have no other recourse to make this complaint, they company will not allow you to complain, and simply delete any inquiry on their forums that they think may turn into a complaint, so i just want to get the word out is all, The  XXXX  Veterans in the world are treated like  XXXX  enough as it is, we do n't need to be the target of a company that uses unfair business practices.

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