BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-14
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Got a letter in the mail said I owed XXXX XXXX XXXX. In XXXX not my home in Florida. Called them and they said they wanted additional personal information such as a copy of my driver 's license and electric bill. I thought this unwise and told them so. They proceed to tell me if I do n't give it to them they will keep calling, affect my credit rating and maybe take me to court. The entire approach is guilty until you prove yourself innocent. Since I have never been to XXXX, never rented an apartment in XXXX, and never asked for XXXX XXXX to be installed anywhere at anytime and could prove it I felt intimidated by their call. I made a personal trip to their office but they were unable to tell me when this transaction occurred. I have sent them XXXX letters explaining my life over the last 30 years but not providing them any other personal information. I have filed an FTC report and put a fraud alert on my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-09-25
Company: Continental Services Group, Inc. d/b/a ConServe
State: WI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
several occassions even after my supervisor has ask Con serv to stop calling they continued and disclose i owed substantial amout of money

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: IL
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
A gentleman by the name of XXXX XXXX is calling me, my wife, my parents, my wife 's parent, and my friends and telling them I have a court judgement against me and that he was sending a law official over to issue a citation for arrest. He calls non-stop and provides this information. I called the courts and they do not have a number that he keeps giving and they do not have any record of him. Please help. I have kept a recording of what he says on my phone. 

XXXX XXXX # XXXX

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 2015-09-03
Company: First National Collection Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XXXX XXXX I received a letter from first national collection Bureau located in XXXX Nevada their phone number is XXXX they have a reference account number of XXXX XXXX XXXX XXXX I contacted them and representative explain to me the debt is from 1995 I explained to her that I never had a credit card with XXXX she then hung up the phone

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: Experian Information Solutions Inc.
State: MA
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:
The following negative account listed on my credit report does not belong to me neither where the inquiries authorized by me.

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 2020-04-17
Company: Palm Beach Credit Adjustors, Inc
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

YOU HAVE VIOLATED YOUR RIGHTS IN MANY WAYS. 
FAIR CREDIT ACT HIPPA VIOLATION FAIR DEBT COLLECTION PRACTICES DEFAMATION OF CHARACTER REMOVE THIS FROM MY CREDIT FILE. THIS ACCOUNT IS NOT MINE. SEND DOCUMENTS PERTAINING TO MY REQUEST. NOT SOME KID SOCIAL AND SOME GUYS ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: TN
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Calling numerous times of the day and evening every single day only to hear a recording when the xall is answered. This is unbearable and needs to stop now.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10
Company: Wilson, Riley & Associates
State: OK
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I was contacted by this company back in XX/XX/XXXX, they told me that I have an outstanding debt that I was never aware of for a payday loan back in XX/XX/XXXX. Stated that they were going to sue me for the funds. Afraid of legal action i agreed to make payments to them for the funds. After reviewing information online i am showing that this company is not a lawyer 's office but a collection agency. I am filing a formal complaint against their practices. To this day I have asked for paperwork showing the debt, but have never been provided the information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Upon refinancing my mortgage, the servicer incorrectly reported it as a short sale. It was always paid as agreed, never late, and paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
On XXXX 2015, I disputed unauthorized inquiries with Transunion. I never received a response. When I called they said I needed to call the creditor and that I did not provide evidence so they will not investigate. My issue is some companies numbers are out of service and other companies told me to dispute it with the credit agency and they will respond to the credit agency to have it corrected. The problem is this is damaging my credit worthiness and if it is inaccurate why is it allowed to stay there. They refuse to investigate inquiries even though the companies told me that they do not have a record of my applying for credit. This is an unfair practice creating damage to my life and the children I care for, when something that I am alleging is wrong will not be investigated. I believe if I request an investigation then they should be required to investigate as it is damaging my credit that I am in the process of repairing. If this is how consumers are to be treated then before something goes on my credit, I should be notified and have it taken care of right then and not later that causes the Trans union refuses. This is the only company out of the XXXX companies that does this. Is this not illegal, is this a fair practice?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I am a thirty year member of USAA. On XX/XX/2020 while traveling in XXXX, I submitted a claim for a credit dispute where a vendor did not provide the services I paid for and could not be reached. USAA had requested a cancellation date and there was none because the vendor could not be reached which I stated clearly in the documentation. 

USAA closed my case and failed to accept my communications or communicate clearly with me about its reasons. 

When I returned from being locked down in the XXXX  XXXX I called USAA on XX/XX/XXXX and was told they would reopen my case. They did not and I subsequently spoke with 9 different people who all told me different things including 3 in their highest customer complaint offices, the CEO 's Office. On XX/XX/XXXX I was told by a claims analyst named XXXX that all USAA transaction disputes must have a cancelation date and on XX/XX/XXXX I was told by XXXX XXXX of the CEO 's Office that all transactions must have a cancelation date and nothing further would be done on my case by USAA. I question the veracity of this since it flies in the face of all logic given that many disputed transactions do not involve a transaction in time in this manner. 

More to the point, again : since the reason for the transaction dispute was that the vendor was unreachable, there was no way to cancel my transaction. I told XXXX XXXX that this is USAA 's error and not mine and therefore USAA should reimburse me. He denied this request as well. 

I have since noticed that USAA has been penalized XXXX XXXX dollars for failing to honor customer stop payment requests. Clearly USAA did not reimburse these customers either and makes a habit of this type of offense and has done it again with me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I was contacted by a person named XXXX XXXX who said he was a locator for a company and needed to verify my information so that he could serve me with paperwork for a possible claim being brought against me. When I informed him I had no idea what he was talking about he provided me with a claim # XXXX and the phone number XXXX of a company that he says he did n't know the name of because he claims to only received sealed packages. Said I needed to speak with them within 30 mins or he would be calling me back. XXXX called from ( XXXX ) XXXX and called 3 times in a row each time I did n't answer, so he called me 7 times including today ans has left me 2 messages. When I called the company ( XXXX XXXX XXXX ) that sent him, they informed me that I owed them because they bought a debt from Ace Cash. I asked for backup documentation and he told me that I was well aware of the laws about not meeting my obligations and there was nothing else he could do for me and would notate i was unwilling to resolve this voluntarily. I asked again for documentation that I owe his company money and that the law requires him to provide it to me so I can review. He informed me that my stall tactics would n't work and that would proceed with whatever avenue they have. He claimed the person calling me did n't work for his company and was a locator hired to serve me documents. After XXXX XXXX called me this morning, I sent him a text messages informing him that he was harassing me, he company refused to provide valid documentation and that I was reporting his number to your office.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16
Company: Credit Technologies, Inc.
State: NM
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by the above referenced company. I did not authorize anyone employed by this company to make any inquiry and view my credit report. This company has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 

I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. 

The credit bureaus will not investigate this claim saying that it is a 'matter of record '. This company refuses to provide me a copy of the signed application, the date it was signed and that I agreed to terms and conditions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-03
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I have a home equity loan with Santander Bank. The loan was in XXXX my name and my husband who In XXXX is my ex husband. The house is only in my name since the divorce. I was and continue to make all payments. In XXXX, my ex declared bankruptcy and was told by bankruptcy lawyers I would not be impacted in any way. He was granted a discharge effective XXXX/XXXX/XXXX. Santander shut off my auto payment process to make auto pymts from my checking acct which did n't allow me to get an interest rate discount. I was told to try again in a year or so. I 've been told several other times I could not get this service and discount because of my ex husband 's situation. I think it 's an unfair practice that I ca n't get this auto payment service and discount based on my payment history and credit status.

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
Consumer complaint received 2016-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Transunion had glitch in their system that violated the rights of their consumers under section XXXX As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting all inquiries be removed.

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 2016-07-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because Experian has refused to provide me with the documents that their company has on file that were used to verify the account that I have disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA - they are required to * " promptly delete all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. Thank you.

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 2016-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
The credit information provided does match up with my personal information also i have previous knowledge of the inappropriate information on my credit report. Would like resolve this matter so it will no longer affect my scores in the near future thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23
Company: Experian Information Solutions Inc.
State: IA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My credit report states that I have an outstanding balance with XXXX. That balance has been paid in full and I have the documentation to support that.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-14
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
On XXXX XXXX, 2016 I leased an Infiniti XXXX from XXXX XXXX, California. My monthly payments are {$370.00} which I have been paying on time to Infiniti Financial services. On XXXX XXXX I received a letter from Financial services stating that I was delinquent in one payment. Upon reviewing my records I found out that I HAD NOT RECEIVED the XXXX invoice, instead I had received a recall notice from Infiniti stating that there were some issues with the passenger airbag which could increase the risk of injury to the passanger.I DID NOT RECIVED THE INVOICE. However Infiniti Financial charged me two months " or else, My account would be deemed delinquent.On XXXX/XXXX/16 I sent the requested payments in the tyiotal amou nt of {$740.00}, check # XXXX. On Sunday XXXX XXXX, I received a couple of phone calls from Infiniti Financial collections agency. A gentleman who identified himself as XXXX XXXX, stated that " this is a call from a collection agency attempting to collect a delinquent debt ''. I explained to him that XXXX was a Sunday and very early in the morning. I also explained him that I had already made the payment and that I rejected these tactics from Infiniti. He went on demanding me to provide him with other telephone numbers I may have and confirming my address. I told him that these tactics are illegal and that I would lodge a complaint. That was the end of our conversation

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05
Company: High Point Asset Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Has repeatedly called and harassed me. Always requesting personal information. Refuses to give any information regarding the " debt ''. Extremely rude and unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-19
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Charged overdraft fee more than 50 times even though I signed to be opt out. They still cant fix the problem.

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
Consumer complaint received 2017-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
TransUnion had a glitch in their system that violated the rights of their consumers under section XXXX. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries listed below be removed. 
XXXX XXXX, 2015 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX, 2015 XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX, 2015 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX XXXX XXXX, 2015 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX, 2015 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX XXXX XXXX, 2015 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX, 2015 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX, 2015 XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX, 2015 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX XXXX XXXX, 2015 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX, 2015 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX XXXX, 2015 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX, 2015 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX, 2015 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX, 2015 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX, 2015 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX, 2015 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX, 2015 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX 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 2016-11-04
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: PA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
On XXXX/XXXX/16, Nissan Finance called my home 13 times from an unidentified phone number. They did not leave any voicemails. At XXXX on XXXX/XXXX/16, I received another call from this phone number. My XXXX XXXX XXXX daughter answered the phone. The caller refused to tell her his name. He told her not to worry about and put her mother on the phone. When I got on the phone, he refused to tell me his name or the name of his company. He just kept demanding that I put XXXX XXXX ( me ) on the phone. He was n't even sure of the correct spelling of my name. I had no idea who he was and there was no way that I was verifying any information to this man and that is exactly what I told him. He proceeded to yell and scream at me, so I hung up on him. He called me back 11 times. I refused to answer the phone. I then called the number back from a different phone only to find out that it was Nissan Finance. I went through the prompts to get to their billing department and the same man answered the phone. He verified that he was the man that just called my home. I told him under no circumstances was he to call my home again. Not only did he yell at me again, but this time he decided to threaten me as well. I hung up on him once again and blocked the phone number. All of this because my auto payment was overdue. The payment was issued first thing this morning. He would have known that had he talked to like a human being. This is not the first time I 've had problems with their billing department making harassing and threatening phone calls. They called and harassed me at work over a payment that was only 3 days late. I never gave them permission to contact me at work. This kind of behavior is absolutely unacceptable and something needs to be done.

Company response to consumer: Closed with explanation