BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-01
Company: EQUIFAX, INC.
State: IA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I submitted an online dispute with Equifax ( confirmation # XXXX ) on XX/XX/2017 regarding an inquiry entitled " XXXX '' that appeared on my Equifax credit report on XX/XX/2017. Today is XX/XX/2017 and I have NOT received a response from Equifax regarding they validated this was a valid inquiry. I sent Equifax a US mail certified letter on XX/XX/2017 demanding they remove this inquiry from my credit report because they have failed to prove it was a valid inquiry within the time allotted by the Fair Credit Reporting Act. Equifax sent me a letter ( see attached ) dated XX/XX/2017 that had NO response to my initial dispute ( confirmation # XXXX ) and no resolution mentioned. The dispute still shows pending on their website when I checked the status on XX/XX/2017. They are now in violation of the provisions listed in the Fair Credit and Reporting Act and I demand they remove ASAP or I will seek legal action for this violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21
Company: Estate Information Services, LLC
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX OH, XXXX has left XXXX voice mails on my cell phone stating they are EIF Collections, a debt collector, and that I should call XXXX extension XXXX. I am assuming this is a fraudulent call, because I have $ -0- debt, other than credit cards, which I pay monthly when the bill comes, and a car payment, which I also pay on time monthly. I just now checked both mine, and my husband 's, free annual credit reports, XXXX, both of which indicated no issues at all. They also did not indicate any credit cards etc., other than those actually opened by ourselves. Thus, thankfully, there is no sign of ID theft.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 a victim of identity theft and the disputed inquiries being reported on my Personal Credit File were never authorized neither initiated by me nor anyone I allowed to. By the provisions of the FCRA, I am requesting that the Credit reporting agencies deleted the disputed inquiries completely from my Credit report and stop their erroneous reporting..I previously requested proof of verification bearing my signature to support the Credit Bureaus claims that the dispute inquiries belong under my name. Once again, I need the following inquiries deleted as soon as possible : XXXX XXXX Inquired on XXXX XXXX, 2022 ; XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, 2022 ; XXXX XXXX XXXX Inquired on XXXX XXXX, 2022 ; XXXX XXXX Inquired on XXXX XXXX, 2022

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 2017-03-06
Company: ZIONS BANCORPORATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Two transactions were posted after the service was cancelled. I filed a dispute with my bank, but the denied my dispute, stating that they will not be credited because they were unauthorized transactions. This caused {$70.00} NSF fees as well as several {$5.00} daily overdraft fees.

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 2016-10-06
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
I am unable to add information to my original complaint XXXX. Continued to have many issues with TD Bank Credit Card Services. Attached is my final letter I sent my certified mail to the corporate office with my final resolution of my original case.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-13
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
Target billed me XXXX on XXXX XXXX with late fees. we paid the bill and have proof the check was paid to target via my bank. My bookkeeper and I have been dealing with target on a weekly basis since then to no avail. They have not process that amount and continue to add finance and late fee charges. We are always put on hold, told they will call us back and this never happens.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-29
Company: Creditor's Collection Service, Inc.
State: VA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Creditors Collection Service failed to provide the proper documentation as requested, proper VALIDATION has not been recieved pursuant to the Fair Debt Collection Practices Act. Creditors Collection Service has not provided me with competent evidence that show I have any legal obligation to pay them anything. Creditors Collection Service failed to respond to my validation request within 30 days from the date of receipt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28
Company: TMX Finance LLC
State: TX
Product: Consumer Loan
Sub-product: Title loan
Issue: Lender repossessed or sold the vehicle

Complaint:
TitleMax states that they sent by certified mail, a " notice of our plan to sell property '' regarding information about the sale or redemption of the vehicle. 
I recieved nothing regarding this and will request proof at trial. 
TitleMax states that regarding their recovery vendor listed items in my vehicle as " pens '' only. That is false. Your recovery vendor is dishonest and fraudulent, and this will be added to the lawsuit for theft of property.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-05
Company: GREAT LAKES
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
When I took a XXXX mortgage on my house the loaner insisted we pay the loan in full and we did. Great Lakes XXXX.mygreatlakes.org XXXX is charging us interest from after the loan was paid off. They wo n't stop calling and emailing. This is harassment. I have sent them a copy of the check 3 times and they wo n't stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29
Company: Central Portfolio Control Inc.
State: IL
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
A lady by the name of XXXX XXXX fron central portfolio control, tele num, XXXX has continued to call me after speaking to the actual company about the situation. XXXX has also called my contacts I had filled in upon getting the loan without permission. I had missed her call again because of my phones virus detection, saying marketing, hence never answered my phone. XXXX left a voicemail so, I called her back. Once on the phone with her, she didnt want to hear a reason to as why because I owed debt and that the month is ending and they need a payment. I as of six weeks ago was laid of from my job and from a single income family with XXXX children, I told her that I will have no problem paying for the two missed payments that I missed. XXXX didnt want to hear this as she said, I do not care what you think of me or pretty much anything you have to say but youre telling me your not going to pay? I said, thats not what I said. She then started to become very angry and repeatedly said, your not paying, your not paying. I then asked, I have no information to who you are and who you represent. I also have no letter on this. Can you please mail me one? XXXX then told me that she is not a mail service and we already mailed one and I k now you have it. I daid to her, Im sorry but I do not. After yelling at me more she said well, since youre not paying this, cause I need a yes or a no from you, I am transfering you. Another very nice gentleman got on the phone, and I asked if he could mail a letter to me, and he said well, we just did yesterday and I will also email you as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Savings account
Issue: Using a debit or ATM card

Complaint:
A woman named used my debit card without authorization and drained my bank account. She also got into my savings account and drained it as well. I complained to Bank of America. However, they said because she had gotten my PIN number that the transactions were valid. SHE DID NOT HAVE MY PERMISSION NOR WAS THE CARD IN MY POSSESSION, and there is a taped phone recording that backs me up. I have filed a police report naming the ID thief. Bank of America also charged me fees for going over the amount of allowed withdrawals on my savings account it was not me who made or authorized the withdrawals. They sent me a letter dated XXXX XXXX informing that they were seizing all my money and leaving me penniless. There are XXXX claims, XXXX for the checking account and XXXX for the savings account.

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 2016-01-27
Company: FORD MOTOR CREDIT CO.
State: PA
Product: Debt collection
Sub-product: Auto
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint:
I voluntarily gave back my care after a horrible divorce in XX/XX/XXXX. I lost my house I was battling my son 's XXXX which he later passed in XX/XX/XXXX. Ford Credit filed judgement in XX/XX/XXXX they served me at my work place. I have not had one letter or call until last week my credit union XXXX called and advised they garnished my account. My bank told me tbat tbey sent notice to my address which was XXXX XXXX., XXXX pa. I have never lived there in my life. Attorney XXXX XXXX of XXXX PA is the debt attorney and a I spoked to him and he will not budge he wants my entire XXXX plus payment arrangements for the remainder of the XXXX he says I owe. The car was a XXXX focus hatchback. Can you help me to get my life 's savings back k

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19
Company: Mandarich Law Group, LLP
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Several related complaints : 1. XXXX , XXXX purchased the original debt from XXXX ( managing company for XXXX XXXX XXXX ) 2. XXXX XXXX was the attorney collecting for XXXX , XXXX. 
3. XXXX successfully began a wage garnishment from my employer. In a discussion I had with this company, they lied about the original amount and said they were asking for {$250.00} per month. The amount is actually {$250.00} per biweekly pay period. This should be available on the recorded line we spoke on. 
3. Mandarich Law Group somehow became the new debt collector, taking over for XXXX , XXXX. in the collection process. 
4. Mandarich Law Group began collecting for the full amount of the debt, and claimed no prior knowledge of the payments that I had been making for the past two years and also claimed no knowledge of the garnishment. They just started collecting again for everything. I explained they were collecting double and was told this was for a different debt. It is not. 
5. On XX/XX/XXXX I spoke to Mandarich Law Group and was told my existing balance was {$1000.00} and that the last payment was made on XXXX/XXXX/16. 
6. I asked Mandarich to note my account with the following information : The payment for {$250.00} that was received on XX/XX/XXXX must have been from my XX/XX/XXXX paycheck. On XX/XX/XXXX and XX/XX/XXXX I paid {$250.00} out of each of those paychecks as well. So, according to my calculations, I would only owe {$580.00}. 
7. I requested a copy of the last statement they sent my employer, with the amount they say I still owed. The representative I spoke to refused to provide this information, telling me to get it from my employer ( again, please listen to the call recording ). 
8. After some discussion, I was told that XXXX XXXX would call me back and let me know if they could accomodate this request. 

Complaint is for collecting for a debt that already had a wage garnishment in progress, not providing correct information, misrepresenting themselves as a branch of the government ( they sent documentation that I was being sued again ) and refusing to provide information when asked about this debt. 

Additional complaint is about the interest charges. I am being charged interest on interest and the payments I made are not going to the principal first. The interest rate and fees that I have been charged have been grossly unfair.

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 2016-02-17
Company: Army and Air Force Exchange Service
State: VA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I became behind on my Military Star Card when my XXXX got XXXX from the military and I lost my job due to being laid off in XXXX XXXX. I was notified after filing my taxes in XXXX XXXX that they would be taking all XXXX of my federal tax refund dollars. After contacting the Treasury office, they told me that the only people who can stop this is the creditor themselves. I reached out to the creditor twice trying to make arrangements as well as file for a hardship. They insisted that they could n't help or withdraw the information from the debt until its paid. Basically telling me they can and will take all the money they can. They also told me that filing for a hardship would take about 30-45 days. When i requested to speak to a supervisor i was placed on hold by XXXX different agents many times. I was given a non-working number and told to call the supervisor and leave my name and number, and they will get back to me as soon as possible within 24 hours. The number I was given for the supervisor is XXXX. I explained my hardship of not being able to pay my rent or utilities, as well as having XXXX children. They did n't care and said sorry this is your debt and we will do what is needed to collect but if you like you can set up a payment plan for the remainder of the balance after we take the refund. How am I to pay that money if I can not even pay my normal bills due to them taking my refund. 

They claim to have sent notice of the offset XX/XX/XXXX due to them saying I did n't have a payment plan in place, I never received anything or any notice to offset. And I was also on a payment plan of {$200.00} a month at the time up until XXXX XXXX when my payments fell behind and they would no longer work with me due to my job laying me off XX/XX/XXXX. 

After contacting this company repeatedly, and them either hanging up on me or giving me false information as to whom i can contact to help me resolve this issue. I am coming here for help. I was basically told after weeks and weeks of trying to contact this company that they will not give any part of the refund of XXXX that they took from my taxes even if I am in a hardship. They claim that the hardship would only help pay the remaining balance after they collected all of my refund that I desperately need to keep my family a float. After lying to me and telling me that they would help and do what they could after speaking to the higher ups they avoided my calls and when I did finally get a hold of them they claimed sorry there is nothing that they can do and I would be on my own and sorry for any inconvenience. This is not acceptable or even fair! I needed that money to pay rent, my lights and water so they do n't get shut off as well as food for my children and these people just do n't care at all!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
An account was opened in my name and contains errors on my credit report. XXXX bank refuses to provide any info as my information does not match what is in there system. I have been trying for two weeks and they tell me that they transferred the account to a collection agency and the collection agency says they transferred to XXXX bank. When you call XXXX they are now unsure where the account is and need 30 days to locate status of the account while reporting monthly that this account is charged off on my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-18
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I filed complaint against Amex last year and as I informed CFPB and suspected they retaliated against me now and Amex suspended my Reward points and told me they are under review. I wanted to transfer that reward point for airline ticket purchase but I couldnt do it as they put hold on my rewards account!! 

This is a clear action of retaliation. 

My previous complaint # XXXX Please help me get my rewards account back. I have over XXXX points in my Amex reward account. 


Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16
Company: Trident Asset Management, L.L.C.
State: MN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
I am currently trying to boost my credit score. I checked out my score on XXXX and I noticed that I have XXXX amounts of {$180.00} and {$90.00} in collections. I have not received anything that says I was supposed to pay something off. I noticed that it was from a company called Trident Asset Management. When I tried going to their website, none of the links work when I clicked on " make a payment ''. Here is the website : http : //www.tridentasset.com/ I continued to try and get a hold of them so I could potentially pay off this debt, or get some more information on it. I do not know what this debt is, and it concerns me that I can not even get a hold of a company who claims to have debt on me. Their phone numbers do not work. When you call, the machine tells you to press " 1 '' and it continues to repeat itself, never connecting you to a representative. Here are the phone numbers that I have tried that they claim is theirs : XXXX XXXX Here is the address they claim to be at : XXXX XXXX XXXX XXXX, XXXX , GA XXXX I have researched online and many people are having the same issue and do not know what to do. I 'm not sure if this is a reliable source, but this is what other people have to say about it : http : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03
Company: Financial Credit Service, Inc.
State: VI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
I got a call from XXXX in XXXX, va who are collection on a debt I owed from a car down payment. When I told the rep I could n't pay the amount he wanted he told me he would just garnish me when I asked him was he a debt collector he told me no he was an attorney. When I called back I clearly got a pre recorded message stating they were a debt collector, in which I was never stated the mini Miranda when they called.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24
Company: Stallings Financial Group, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Stallings Financial sent me a letter stating I owed them money in late XX/XX/XXXX I en turn wrote them within 30 days to validate the debt. I never received any correspondence from Stallings validating the debt. I sent another letter in XX/XX/XXXX stating I had not received any validation of the debt. Stallings Financial sent a letter dated XX/XX/XXXX stating my dispute was frivolous. I have not received any documentation stating the debt is valid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02
Company: Financial Credit Service, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I sent a " XXXX XXXX Letter '' to a company trying to collect on a 20 yr. old debt. I recv 'd. several calls in the 2 weeks after the recv 'd the letter. The other day, they called again. I answered. 
1. They said they never recv 'd. the letter even though I told them who signed for it. So, I read it to them. 
2. The stated they are an " XXXX Firm '' not a collection agency and the consumer protection laws and the " Fair Debt Collection Practices Act '' does not apply to them. 
They said they would still pursue the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have been monitoring my credit carefully for the last 6 months. I am applying for a home loan. I was notified today that Progressive Management XXXX is now reporting a new collection account for a medical bill. I have been at my address for over 2 years and I have not received a single notice or call from Progressive to validate this debt accrding to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ). They have made no attempt to obey the law. I have faxed them a request to validate the debt and a copy of their HIPPA compliant agreement with the creditor. I have not had any medical bills that would fall under this category so I believe they are simply re-aging this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief