BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-20
Company: SIMM Associates, Inc.
State: TN
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I have a student loan that was cosigned by my grandfather. Simm Associates on XXXX XXXX, 2015 apparently was attempting to contact one of us reference this loan. The person representing this company left the following voicemail on my parents phone : '' Hi this message is intended for XXXX XXXX XXXX or XXXX XXXX XXXX. If you are not XXXX XXXX XXXX XXXX XXXX please hang up. This is XXXX calling from Sim Associates. Communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. I need a return phone call back today. My number is XXXX. Refer to file number XXXX. " Someone from Simm Associates had spoken to my grandfather around the XXXX of XXXX. Apparently the company did not like the information my grandfather gave them so they continue to call looking for me. 

My complaint is does n't the voice mail violate the FDCP Act? It is my understanding that according to the act they can communicate with a third party by advising who they are and obtain location information. It is also my understanding they ca n't advise they are a debt collector and that I owe a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17
Company: Waterfall Revenue Group
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I CONTACTED A-1 COLLECTIONS IN XXXX NJ AFTER DISCOVERING A DEBT I OWED THROUGH MY CREDIT REPORT. THE REPRESENTATIVE I SPOKE TO ( XXXX XXXX ) IMMEDIATELY SHOWED AGGRESSIVE BEHAVIOR OVER THE PHONE. I FREELY SUBMITTED ALL THE INFO THAT I HAD BUT HE CONTINUED TO ACT IN THIS MANNER AND FINALLY ACCUSED ME OF NOT COOPERATING TO HANDEL THE MATTER AND PROCEEDED TO HANG UP ON ME. LET ME NOTE THAT I CALLED THEM NOT THE OTHER WAY AROUND. I FIND IT FRUSTRATING THAT I WAS BEING ACCUSED AND TREATED POORLY WHEN I WAS THE ONE TRYING TO CLEAR THE MATTER UP. THIS INDIVIDUAL SHOWED BULLING TACTICS TO EXERCISE HIS POSITION. AND SHOULD NOT BE IN A POSITION THAT DEALS WITH THESE VERY IMPORTANT MATTERS WITH THE PUBLIC. I GAVE HIM MY PERSONAL INFO AND FEAR HE MAY TAKE MEASURES TO MAKE MY LIFE AND FINANCIAL POSITION DIFFICULT IN THE FUTURE.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I deposited a check for XXXX XXXX Wells Fargo policy states wait is XXXX  days due to number of overdrafts which is ok. However today this was pushed back even further. XXXX date XX/XX/XXXX. Full amount was to be available XX/XX/XXXX. When asked them to cancel my deposit I would take it to my primary bank and get it approved next day they said no. They said only option was to tell the issuer to stop payment on check and reissue. Stop payments cost money and unnecessary time. I feel if they quoted me a date and changed it I should have been given the option to continue the process or XXXX  and have it returned to 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 2022-11-22
Company: The CBE Group, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
CBE Group Inc told me that i owed about {$3000.00} bill for XXXX XXXX XXXX I didn't even know the address and haven't hear it before as well as the account number from them. That's totally a identity theft. I really hope you can help me stop this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Credit Karma, LLC
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This is an addendum to my contemporaneous record being recorded here. Currently, I am being blocked from not just logging into my Credit Karma Spend account but now they are saying they are having technical difficulties and it is blocking me from logging in all together via computer. 

I still have not received my forms via mail for disputing charges or my statements. 

XXXX**Keep in mind, that I do have more video evidence that I can send if I am emailed or contacted via ordinary mail, because the system here is funny and not allowing me to upload all the evidence that I have both in video and screen shots.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: BMW Financial Services NA, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I XXXX, XXXX the Authorized Representative for XXXX XXXX has been unfairly treated due to the nature of improper credit reporting, and for the mistreatment of the credit reporting laws and compliance. also Unfair, Deceptive and Abusive Acts, These are multiple violations of the law and slander of my good name and character. REASONS : I NEVER GAVE ANY AUTHORIZED / PERMISSIBLE USE OF ANY OF MY PERSONAL INFORMATION. 
I do not owe any debt or any alleged debt. 
I also refuse to be an implied surety/debtor. 
These are few of many violations done on my good name ; which breaks the law. 

I hereby Demand! That you BMW cease and desist all communication and attempts to collect this alleged debt Pursuant to 15 U.S. Code 1692c ( c ) ; These listed Violations are based on breach of fiduciary duties UDAAPs TILA, FCRA, GLBA, CFPA, THE Sherman Antitrust Act, FTC Act and RICO Act Your company falsely reported information that resulted in defamation of my character. Further, you created a deceptive form that made the creditors and employers believe that I was in debt, though you could not prove its validity. If the debts were valid you created a false impression that I was not able to pay the alleged debts.

As a result, I was discriminated against and denied my right to extend credit. I also suffered emotionally as well as financial hardship. Therefore, your company is liable according to 15 USC 1681o

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My account with XXXX XXXX AKA XXXX XXXX has been completely paid in full for months. Originally I tried to pay this debt through XXXX and was denied the opportunity and was forced to go through the collection agency which I did not want to do due to miscommunication. I paid off the FULL balance in order to receive a deletion from my credit report. XXXX XXXX and XXXX both have not taken the necessary steps to remove this account from my Equifax , XXXX, and XXXX credit reports and it is just unbelievable especially when I tried to pay the original creditor directly and was told I could n't! Now my balance is reporting incorrectly on some of my credit reports it says paid in full and on others it says " settled '' which I never settled I paid the FULL balance. This account needs to be deleted from all XXXX of my credit reports as agreed especially seeing as I dont owe them anything. That negative account is severely affecting my way of life at the moment and I need to see it gone. I keep requesting that the credit bureaus contact XXXX which they did and they even have sent me MULTIPLE statements saying my account was paid in full so I even have documentation. Please remove from my credit reports. I want to believe that XXXX is a good enough company to do this for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I spent years paying back all my debt, I received notification of a debt I have no records of, looked through everything and I have no records of having this XXXX  XXXX account, the ones I did have were paid. I received a copy of a statement which again I never once paid XXXX  XXXX a payment on this account I have no records of. I'm requesting full validation, copy of the application, proof of payment on this account, date when last payment was made etc. Again I have no records of ever having this account. Please help assist

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$430.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$940.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2000.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1300.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$640.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$930.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XXXX : {$1400.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance XXXX {$1000.00}, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$830.00}, XXXX ( Original XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$810.00} XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Balance : {$150.00}, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$560.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance : {$400.00} XXXX 


According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2016-05-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I called Bank of America to make my monthly mortgage payment, and when they processed the request they submitted a double payment to my bank account, overdrawing my account. The payment they were supposed to pull was {$750.00} and they pulled {$1500.00}. When I contacted them, I was told that I had to submit a bank statement showing the incorrect payment amount and then it could take up to XXXX hours to receive credit back. When asked why the wrong amount was taken they told me they only show the amount of {$750.00}. when asked what happens to the remaining {$750.00} they could not answer me. Their system would not let them see their error.

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 monetary relief
Consumer complaint received 2023-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I did not provide the credit reporting agencies with written permission to report any of these accounts I am requesting to be removed. This is

a violation of 15 U.S Code 1681b ( a ) ( 2 ). I did not provide any of the listed companies with consent to share my credit card ( ID, SSN, etc ) with another entity ( I.e the credit reporting agencies. This is a violation of 15 U.S Code 1681s-2 15 U.S Code 1602 ( I ) says any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit is by definition a credit card

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 2017-05-01
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Ex  perian is listing 11 incorrect addresses, 2 accounts I have never heard of, 2 inquiries I did n't do, a spouse/co applicant name and somebody else social security number on my credit report. Their so called investigation still left these fraudulent and erroneous items on my credit report. I am writing you asking for help.
Below is the erroneous and fraudulent information they have listed on my credit report that needs to be Removed  .     Addresses : 1.  XXXX   XXXX   XXXX ,  XXXX  VA  XXXX  2.  XXXX   XXXX   XXXX ,  XXXX  VA  XXXX  3.  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX  VA  XXXX  4.  XXXX   XXXX   XXXX ,  XXXX  VA  XXXX  5.   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX  VA  XXXX  6.  XXXX   XXXX   XXXX ,  XXXX   XXXX  VA  XXXX   XXXX .  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX  VA  XXXX   XXXX .  XXXX   XXXX   XXXX ,  XXXX  VA  XXXX   XXXX .  XXXX   XXXX   XXXX ,  XXXX  VA  XXXX   XXXX .  XXXX   XXXX   XXXX ,  XXXX  VA  XXXX   XXXX .  XXXX   XXXX   XXXX ,  XXXX  VA  XXXX  ACCOUNTS :  XXXX . Account Name :  XXXX  ACCT #  XXXX  2. Account Name :   XXXX    XXXX  ACCT #  XXXX  SPOUSE OR CO APPLICANT :  XXXX   XXXX  INQUIRIES :  XXXX  DATE :   XXXX   XXXX   XXXX       XXXX   XXXX   DATE :  XXXX   XXXX    XXXX   SOCIAL SECURITY NUMBER THAT IS NOT MINE :  XXXX    I read this weekend that a credit report is to be 100 % Accurate and timely. Well thanks to Experian putting 11 incorrect addresses, 2 incorrect accounts, 2 inquiries I did n't submit or give anybody to submit on my behalf and Experian putting another person social security number, my credit report is not close to 100 % Accurate.
Experian has failed in holding up their end of the FCRA, please have them remove the above listed fraudulent, inaccurate and erroneous information 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 non-monetary relief
Consumer complaint received 2021-09-29
Company: EQUIFAX, INC.
State: WI
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:
Hello, I reached out to Equifax on dates XX/XX/21, and XX/XX/21. On XX/XX/21 I requested from Equifax a Method Of Verification and I did not receive a response from Equifax concerning my request. On XX/XX/21 I sent Equifax a letter stating that Equifax was not in compliance with my request for a Method Of Verification. I explained to Equifax that my request was a request as authorized by the FCRA 611 ( a ) ( 7 ) and that Equifax now had 15 days to respond to my request. Equifax has not responded to my request of providing me with a contract with my signature from the original creditor XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-26
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I 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 manner as soon as possible. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I disputed this negative information XX/XX/2016 its has past the 30 days investigating therefore the XXXX Collections should be delete, my file number Confirmation XXXX # today date XX/XX/2016

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint:
MY INFORMATION WAS STOLEN OFF A SERVER THAT EXPERIAN HOUSED FOR XXXX AND THE SERVER WAS HACKED. ALL PERSONAL INFORMATION WAS TAKEN.

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 2016-04-04
Company: CITIBANK, N.A.
State: NM
Product: Credit card
Issue: Sale of account

Complaint:
I had a XXXX membership and a XXXX XXXX XXXX card. When I learned one year ago that XXXX would discontinue this relationship, I called XXXX XXXX to tell them I did not want my card transferred to another company without my permission. I was assured it would be my choice. My XXXX membership ended within the past year. I cancelled my XXXX XXXX card over one month ago. XXXX XXXX let customers know that they would be getting Citi cards only a couple months ago. I then called Citi and was told there was nothing they could do at this time. Today, I received a note that I would be issued a Citi card even though I have expressed to XXXX, XXXX XXXX and Citi that I DO NOT WANT A CARD FROM CITI. I called the phone number and was told that I WOULD be getting a new card and had no say in the matter as " This was all put together a year ago and we do n't have any access to your information until the deal goes through on XXXX/XXXX/16. So we have no access. '' I said, " But it says my new card will arrive in XX/XX/XXXX, so you must have access, and I demand that you close that account. '' I was told that Citi could not help me. 

This is absolutely aggregious, because, not only did I not request the card, I requested of all parties that I not be issued a new card. All parties above insist there is nothing they can do. What will occur is that I will get a card and have to immediately close it, and likely it will negatively affect my credit, showing as a short term account and decreasing my length of credit account marks on my credit, especially since I had already closed my XXXX in the same year. Since I am not a XXXX member, the CITI card has no use to me. 

How this could be legal confounds me. I believe this should be highly ILLEGAL. I also believe it is fraudulent with the way customers have been dealt with over the past year. Customers and their private information should not be traded between banks without their say so. 

I have attached the letter received today. At the bottom, it says that to get a card you must have an open XXXX account. However, the woman on the phone, who did not give her name, told me I would receive one no matter what. She was extremely rude and seemed to enjoy denying my request. 

Please note that your form requests the credit card number. They have not issued the credit card or account number at this 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 explanation
Consumer complaint received 2016-10-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Disputes with : XXXX XXXX - Equifax # XXXX - XXXX XXXX and XXXX XXXX # XXXX. I 'd submitted complaints and disputes to all of them because it was irresponsible and no reason to XXXX XXXX to report me as " Consumer Deceased ''. It has caused me a lot of undescriptable headaches with possible and/or current creditors. The only thing that I got from my communications with every Credit Report Agency is that some of the has restored the credit score that went down to XXXX point. Still missing credit score with Equifax and XXXX because Equifax has not reported yet to XXXX XXXX and for XXXX I have to pay. I 'm alive and in good health except for issues due to my age. As a matter of fact, I talked to XXXX XXXX customer service agent XXXX, and he supposedly transfer me to a supervisor but the person never answer the call and it was dropped. I called again in english and the english speaking agent transfer me to XXXX who never answer. I decided not to continue calling. The XXXX XXXX account number is XXXX. My credit report with Equifax and XXXX still says " Consumer Deceased '' even though I talked to them and said, listen to me, I 'm alive, make the correction now. If, be the end of the week such information is not corrected, I 'll be contacting a lawyer. and take the necessary measures to resolve this in another way and/or place. I apologize if I sound rude but you can imagine how I feel. Somebody will pay for this horrible mistake. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-21
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
A state tax lien was placed on my credit with the state of California. The lien is meant for XXXX in that state. I am an XXXX. I made an income of XXXX $ during XX/XX/XXXX. The state of California will not remove the lien after we sent XXXX documents showing proof of a XXXX $ income for XX/XX/XXXX, since I worked only for the XXXX and was then and currently am a XXXX resident. Please help. The lien was placed in XX/XX/XXXX. I have spoke to the XXXX XXXX XXXX XXXX office, they told me what to fax, sent all documents numerous times and lien is still in place on all XXXX crediting monitors XXXX, experian, and XXXX. I am not able to purchase a home with the VA home loan system due to this lien.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation