BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-04
Company: Couch Conville & Blitt LLC
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
XX/XX/XXXX I received from the human resource office of XXXX XXXX XXXX a copy to Writ of Garnishment of something sent from the Circuit Court XXXX District of XXXX County against me for the amount of {$3100.00} which occurred on XX/XX/XXXX. 
On XX/XX/XXXX, I sent a certified letter to XXXX XXXX XXXX XXXX ( Couch, Conville, & Blitt, LLC ) to the XXXX XXXX, LA address that was provided on the document. It was supposed to arrived on XX/XX/XXXX but did not due to the wrong address on the document. When I called to get a corrected address and told them what had happened, the clerk didn't want to talk to me until she got the last four digits of my social and she can find out who I was so she could start the recording. She said her line that this was attempt to collect a debt and I was being recorded. She looked up the account and said that the debt was back in XX/XX/XXXX and could I make a payment in full. I hung up since I did not want to be recorded or her alter her statement to be my statement. I resent the letter on XX/XX/XXXX via certified mail as of XX/XX/XXXX it should be there. The new address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize, benefit from or consent to these inquiries on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: Northstar Location Services, LLC
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX XXXX 2017 I received a letter from Northstar Location Services , LLC, about a debt they were trying to collect in the amount of {$32000.00}. On XX/XX/XXXX I sent them a letter requesting them to, among other things, establish their ownership of the debt, verification of the debt, and information about their authority to collect the debt. This letter was sent via USPS certified mail, and received in their office XX/XX/XXXX.
On XX/XX/XXXX I received a series of account statements, which appeared to be in my name, for a debt I do not recognize. There was no information about their ownership of the debt, their authority to collect the debt, the status of their debt collection license ( if any ), etc. All of this information, and more, had been requested in my original letter, as well as my assertion the debt was disputed. To date, this company has failed to provide any of this information.
They have, however, began to call my elderly mother, and presumably other people, despite the fact they are clearly able to communicate with me via mail, and despite my written request that they do in fact communicate with me by mail. There is no reason for them to be contacting others in an attempt to " locate '' me.
As a result I believe this firm to be in clear violation of the Fair Debt Collection Practices Act. They have failed to verify the debt, their authority to collect this debt, and their ownership thereof. And finally, they are needlessly contacting third-parties to " obtain location information '' when we are already in written correspondence, a tactic which seems closer to harassment of my family than a good-faith effort to find me.
I have attached my written response to their original letter.
Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-07-13
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Midland credit have used deceptive collection tactics to try to trick me into paying an allege debt. 

They have also threatened to take a legal action against me in the past. 

I have requested a copy of the original credit card agreement ( with the dispute resolution processes ) from the original creditor but they have refused to send it to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-27
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I received my EIDL loan, and grant of XXXX into my personal account on XX/XX/XXXX. XX/XX/XXXX Citibank froze my account. They informed me they would investigate. They closed my account XX/XX/XXXX. As of today they havent sent any of my funds back to the SBA

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 2022-07-13
Company: Kriya Capital, LLC
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-28
Company: GLA Collection Company, Inc.
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
FCRA states in  section 623 ( a ) ( 8 ) I disputed the information directly with GLA they have failed to provide the method of verification by mail to me of what information they sent to the credit bureaus.I am requ esting for them to provide their method of verification and investigation of this debt I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: ALLY FINANCIAL INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Ally Financial XX/XX/XXXX Inquiry - I wrote this company advising them I never applied for credit and never received a response back XXXX XXXX XXXX XXXX XX/XX/XXXX inquiry- I wrote this company advising them I never applied for credit and never received a response XXXX XXXX  XX/XX/XXXX- inquiry - I wrote this company advising that I never applied for credit and never heard anything back.
XXXX XXXX XXXX XXXX  XX/XX/XXXX- inquiry, XXXX advised me they would send a letter to the credit bureau to remove and has not been completed.
XXXX XXXX  XX/XX/XXXX- inquiry - I wrote this company on XX/XX/XXXX advising I have never applied for credit and never received any response.
XXXX XXXX XXXX XXXX XX/XX/XXXX- I wrote this company onXX/XX/XXXX advising I have never applied for credit and never received any response.

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 2020-08-19
Company: CL Holdings LLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The original collection company I had this debt with moved my debt to a different collection agency once I disputed the debt with them. They also have the wrong dates on my account and every time I dispute the information, they change dates around on my credit to make it appear as a new debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
On XXXX XXXX, 2017, Equifax discovered that criminals exploited a U.S. website application vulnerability to gain access to certain files that may have compromised as many as 140 million people. Equifax states that it is " offering free identity theft protection and credit file monitoring to all U.S. consumers, even if you are not impacted by this incident. '' In an attempt to understand what this free identity theft protection service would provide I attempted to review the web site indicated on the Equifax https : //www.equifaxsecurity2017.com/trustedid-premier/. Within this web site is information that states " Identity theft insurance underwritten by American Bankers Insurance Company of Florida or its affiliates. The description herein is a summary and intended for informational purposes only and does not include all terms, conditions, and exclusions of the policies described. Please refer to the actual policies for terms, conditions and exclusions of coverage. Coverage may not be available in all jurisdictions. '' The web site does not clearly state what happens after the free year is over.
The site suggests calling a special call center for more information. My call to this call center on X/X/17 at XXXX PST ( XXXX ), revealed that the call representative could not provide the actual policies or terms for this service. I requested a supervisor but the representative refused to connect me to one and insisted that I refer to the web site for answers to my questions. Three times I repeated that the reason I was calling was because the web site did not contain the information and each time I was instructed to review the web site.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
All unauthorized, requested removal.
XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/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 2022-02-13
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
This is the second time American Express has allowed a fraudulent account to be opened in my name. The only way I knew is because a statement was sent to my address. This is unauthorized use of my social security number pursuant to 15 USC 1602 ( p ) and a violation of my privacy and my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Upon trying to open a checking account with Bank of America, I was told that I've already had an account with them. Bank of America informed me that the account was opened in 2008, but I NEVER had a bank of America account before! Someone fraudulently used my information to open that account! I was also told that there is a debt of {$600.00}.

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 2016-01-11
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have loan serviced by Ocwen that I had enter into a loan modification, Loan # XXXX I had been in the modification process for over two years and as I modified and went through and the hoops the service was putting me through that were outrageous, having to supply the same documents over and over and over. a hundred of more phone calls more working with attorney company to help me get a modification. In the end they denied me a Harp or a Hamp modification with principle deduction because my credit report did not show my current address as my home address it showed my office address. even after supplying tax documents, utility documents and county records that the house was indeed my residence they still denied me the government sponsored modification. and further more told me if I did n't do the in house modification, agree to it with in 24 hours that they would foreclose. The in house modification tacked on {$220000.00} worth of penalties and interest. I do n't see how this is fair at all and this cant be what the harp and hamp program is about.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Comenity Bank, XXXX Visa credit card. Opened in XXXX, and XXXX I send my payment in 2 weeks ahead and they credit day after due date, say they are aware of a delay in there receiving of mail payments. Refund late fee, but I then send payment by XXXX or XXXX of each month for due date of XXXX and even 17 or 18 business days mail and they still credit day late everytime. Only once did they do my payment processing properly, XXXX, sent on XXXX received on XXXX like normal mail should work. today XX/XX/2021 again they say not received and will waive my late fee after speaking with manager XXXX. But I say the problem is not the mail system, as that is impossible, it is not me, as I am sending payment in beyond early, but is there predatory practice of purposely holding payments to just after due date for fees and causing credit damage to good customers always paying on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13
Company: Experian Information Solutions Inc.
State: PA
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:
I have contacted the credit bureaus multiple time XX/XX/2022 being the last time disputing inaccurate and illegal reporting practices by the debt collector and credit bureaus that are reporting late payments, balances and fraudulent information that they where made aware of with phone calls, letter and documents sent by me with proof. The collections and charge off account continues to ignore my request for proper validation of the accounts that are show inaccurate information on my report. The credit bureaus keeps verifying the information which keeps causing harm to my file and ignore the inaccurate pointed out that the accounts show as open, they are reporting credit limits inaccurately and they are reporting balances which is a valuation and they are reporting missed payments on closed accounts that has no active contracts or accounts. Please enforce the law on to the credit bureau.

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 2017-09-08
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
These are NON Account inquiries, and I have requested deletion of them.
( 1 ) XXXX - XX/XX/XXXX - XXXX XXXX XXXX  XXXX, NH XXXX ( XXXX ) XXXX.
( 2 ) XXXX - XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX  ) XXXX.
( 3 ) XXXX XXXX XXXX - XX/XX/XXXX - XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX.
( 4 ) XXXX XXXX - XX/XX/XXXX- XXXX XXXX XXXX XXXX XXXX, DE XXXX  ( XXXX ) XXXX I contacted XXXX XXXX XXXX XXXX XXXX/ about removing the following inquiries that resulted from credit limit increase requests made on line that did n't indicate Hard Inquiries would be done. I was told that I could dispute them with the credit bureaus without any affect to my account with them but I was told that I could n't by the Credit Bureaus. The following are the dates of the Inquiries on my report ; XX/XX/XXXXXX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: BARCLAYS BANK DELAWARE
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have a total of XXXX inquiries on my credit report, but I do not know what 3 of them are.
Barclay 's Bank Delaware - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/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 2021-08-27
Company: LoanCare, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We applied for COVID CARES Act Forbearance in XX/XX/XXXX and it was approved. We applied to have it extended several times and they were all approved. 

In XX/XX/XXXX we were ready to begin repayment. We requested information via phone for repayment options and were told we could do loan modification where we could get a lower interest rate without paying closing costs. The rep who told us this had our loan pulled up and could see all details. We requested this option. 

The offer came in the mail and it was the same high interest rate, with a monthly payment higher than we were paying before. We called and were told on the phone that we weren't eligible for a lower interest rate because it was a conventional loan and only FHA loans were eligible. We were told we could do deferment instead, so we asked to reject the loan modification and requested deferment. We were told to wait 7-14 business days for the paperwork to sign. 

21 days later we received a letter saying our mortgage was being transferred to a new servicer. We never received the deferment paperwork so at this time our mortgage forbearance had ended and we had no repayment plan, with a pending transfer to a new servicer. We called many times and spoke with many levels of support requesting information about why the deferment request was not processed, why the mortgage was being transferred without any forbearance or repayment plan, and every level of support told us different things. One said the deferment couldn't be processed. The next said it was already in progress and would show up with the new servicer. The next said we still had to sign something to officially accept the deferment, but that it wasn't sent and would not be sent because of the transfer. The next said they could email it to me and we could fax it back. 

At every step of the way I begged for something in writing showing that we had followed every step correctly and that this delay was their fault, to protect us from anything bad happening when the transfer happens. Every single level of support from tier one to upper level management said there was nothing they could give me in writing. 

We are now a few days away from the transfer and praying that we don't end up delinquent facing foreclosure. We do not have the funds to pay in full like they are asking. We have the ability to make monthly payments but we are not being given the opportunity to do so. We just want to bring our loan current on a repayment plan, pay for 3 months, and refinance to a lower interest rate. 

If this servicer 's actions have caused us to no longer be eligible for refinance, we will have very high very tangible financial loss.

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