BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 accounts are fraudulent. Please delete them XXXX XXXX XXXX / XXXX XXXX XXXX XXXX {$1000.00} XXXX / XXXX XXXX XXXX XXXX {$3500.00} act : XXXX XXXX / XXXX XXXX XXXX XXXX {$180.00} act : 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 2020-12-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I went to XXXX to get copies of my credit reports. Upon finishing each one ONLY XX/XX/XXXX allowed me to download the report as a PDF. The other 2 only allowed printing. They should all allow you to download your report. Lot of people can't afford to use tons of ink to print each one.

In addition, XX/XX/XXXX should be REQUIRED to have a help line the consumer can call into with these kinds of problems. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: Experian Information Solutions Inc.
State: IL
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:
This is a written request that you investigate specific items that I believe to be reported in error. These items are not correct and are causing me financial and emotional distress because of their derogative nature. I have no contracts with this company, and did not agree to pay any money to them.

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 2017-02-01
Company: Bridgecrest Acceptance Corporation
State: GA
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Correspondence to myself and husband, for the same account, can go up to XXXX calls and or emails a day starting promptly at XXXX am ending at XXXX Same company from multiple different phone numbers. 
XXXX calls. XXXX calls ... XXXX particular rep named XXXX calls once every day leaves a message. If she cant leave a message she will call back XXXX more times. Then there are XXXX other employees that call from different numbers. To each of our phones. And then they email as well.All from the same company. We have mentioned it to the company several times. They begin collection calls day of bill due until paid in full.

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 2020-12-16
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XX/XX/2020, I sent a certified letter to XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX requesting a cure letter, deficiency letter, and a surplus letter to find out how they arrived at an owed balance of {$8500.00}. I never received a response back from XXXX XXXX XXXX XXXX. In addition, I sent dispute of the balance to all three major Consumer Reporting Agencies ( Equifax, XXXX, and XXXX  ). Today, I checked my credit report and notice that the account XXXX XXXX XXXX XXXX and account # XXXX. Is still reporting on my credit reports inaccurately and without proper validation. I still have not received a cure letter or deficiency letter and from my understanding the UCC 9 ( 16 ) says that the account a consumer should receive this no later than 14 days after requesting it. 
For easy read I am pointing out the following inaccuracies : The account has not been properly noted the account was and is being disputed.

15 U.S. Code 1681s2 ( B ) ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person XXXX not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 
Secondly, from my understanding Metro 2 is the industry standard used to help maximize possible accuracy. The following fields are not being reported or being reported inaccurately. Field 7 Consumer Account is reporting inaccurately, because the account number XXXX has been redacted ( Report the individual 's complete and unique account number as extracted from your file ). Do not include embedded blanks or special characters. Field 25-Date of First Delinquency is incomplete, because no Date of First Delinquency is being reported on this account. Field 26-Date closed is incomplete, because it is not being reported. Field 27- Date of last payment is incomplete, because it is not being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08
Company: PNC Bank N.A.
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I was able to find a buyer for my home and my XXXX mortgage with XXXX was kindly enough to approved me for a short sale, so I do not have to lose my home in a foreclosure and still be liable for a deficiency. Now PNC the holder of my XXXX mortgage is acting in bad faith, by asking and asking for more documents. XXXX is willing to give them {$5000.00} to settle at the closing of my home. Which is something very common for a XXXX mortgage to settle for a lesser amount. Because if my home goes to foreclosure more likely they will not be able to collect anything. I have been very patient and I have provided them numerous amounts of documentation even more then for my XXXX mortgage. They are holding the closing of my home by not accepting the {$5000.00} XXXX is willing to give them. PNC is making my buyer walk away from buying my home. I am requesting your help, because PNC is not acting in good faith, they are making this process unbearable. Please help me. I am an XXXX person and I already have enough problems and I will like this headache to go away.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Ive just received my credit report and noticed unauthorized items that shouldnt be reporting to my credit profile

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 2016-07-22
Company: BMW Financial Services NA, LLC
State: TX
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I returned a XXXX leased BMW I-28 to the local dealership. They accepted the car back without any comment or inspection. Subsequently, we received an invoice from BMW financial for excess wear on a car that only had XXXX miles, XXXX miles BELOW the allotted mileage. When I called to determine what the charge was for, I was informed that the charge was due to the oil not being changed by the required XXXX miles. I argued the fact that the oil had in fact been changed at XXXX miles and was told that I would need to furnish a receipt to prove this and the charge would be removed. I provided the documentations ( twice ) and today was informed that charges would NOT be removed, because they NOW claimed a yellow service light was on. At the time the car was delivered back to BMW, the mileage was checked and no yellow light was evident. I would never have returned the car with a service light on. I feel strongly that is a total scam to obtain more money from lessees who are powerless to fight it. I therefore request that the CFPB investigate and have the charges removed. I was informed each time I called, that the calls were being recorded. If the initial call I made is checked you will clearly hear that I was told if I furnished the receipt for the oil change the charge would be removed. Also, I had to supply the proof twice as they claimed the first time that they did not receive it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
fix the late, please

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 2016-07-01
Company: CAVALRY INVESTMENTS, LLC
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
: CAVALRY PORTFOLIO SERVICE & XXXX XXXX XXXX Account # XXXX {$370.00} Account # XXXX {$410.00} In a recent review of my credit report, I noticed that this company has placed an erroneous and derogatory entry, claiming that I owe {$370.00} & {$410.00} I have no account with them, nor have I ever. The account number referenced above is all the information that I have concerning this alleged debt. Since ( XXXX XXXX ) ( CAVALRY PORTFOLIO SERVICE ) i believe are the same companies saw fit to place these item 's on my credit report, they obviously have all the information they need in order to investigate and correct there error. 
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay these debts, and there is some contractual obligation which is binding on me to pay these debts. Please also be aware that a sworn affidavit from there compliance officer does not constitute a valid validation of these debts. 

Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all telephone collection. I require compliance with the terms and conditions of this letter within 30 days, or a complete withdrawal, in writing, of any claim. 

In the event of noncompliance, I reserve the right to file charges and/or complaints with appropriate County, State & Federal authorities, the XXXX and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion. 

I also hereby reserve my right to take private civil action against you to recover damages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-21
Company: Southwest Recovery Services, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Debt collector continues to call my job with an automated message stating my name and that they are trying to collect a debt. My secretary had heard the message as I work in a school. I 've tried to get them to stop calling, but they will not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14
Company: CNG FINANCIAL CORPORATION
State: TX
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I submitted a Notice of Cancellation of the payday loan within 3 business days which is my right per Texas law. Check N Go refused to rescind the transaction and acknowledge the Notice of Right to Cancel and charged me the exorbitant interest payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22
Company: I.Q. DATA INTERNATIONAL, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX paid my rent on the third Wednesday of the month. XXXX XXXX on the XXXX of the month I went online to pay the rent. The manager had block the account. She had filed eviction notice. The lease was ending XXXX/XXXX/XXXX. The court agreement was I pay {$1600.00}. Later the manager did not agree. The complex want me to pay rent for XXXX, XXXX and XXXX plus a breaking the lease fee of {$1700.00}. They also want me to pay {$660.00} for a window. The manager did fix the problem in XXXX. She got some one to soak the water up. It rain again in XXXX durning the XXXX holidays. It was raining hard, the frame came loose from the wall. The office was closed. I purchase some sealant and seal the windows. They want {$140.00} for cleaning the carpet, {$170.00} for removing some items, {$100.00} door, {$100.00} blind. None of this was mention in court. I found out in XXXX XXXX, when I received a collection letter. I could not solve the problem with the new manager. The previous manager had been fired. 
The is a pending lawsuit in State Court in XXXX, Ga. The apartment complex was served on XXXX/XXXX/XXXX. They have not respond.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02
Company: CNG FINANCIAL CORPORATION
State: AL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I 'm a victim Indentity Theft and this company is reporting wrong information to the credit bureua under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06
Company: CAVALRY INVESTMENTS, LLC
State: TN
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Cavalry Portfolio Services is suing me for non payment of a XXXX XXXX XXXX Credit Card they claim they purchased as a charge-off in 2009. I have never had a charge off from XXXX XXXX XXXX. My credit reports show that both my XXXX accounts were closed by me and paid in full. The alleged charge-off would make this debt fall outside the statute of limitations in the state of TN. I feel I am being sued in hopes that I do n't present a defense, resulting in a judgement against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20
Company: LENDER LIVE
State: NM
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX 2016 I sustained hail damage to my home. A claims adjuster inspected the damage and advised me a check would be issued to both myself and my mortgage servicer, Lender Live. Lender Live sent me a Loss Claim package that directed I send the endorsed check to Lender Live. Lender Live cashed the check on XXXX XXXX, 2016. Although I have Lender Live 's customer service more ten times, Lender Live has refused to send me any funds to repair my home. Lender Live acknowledges having received the package which also contains the check, and acknowledges having cashed the check, My insurance company, XXXX, also has a record of the negotiated check. I have written letters to Lender Live, e mails, and calls, all to no actions on Lender Live 's part.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24
Company: ONLINE Information Services, Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I made XXXX previous reports about this issue and may have more information to add. Please refer to your file number XXXX and a report about what seems to be a phishing scam with the FTC number XXXX about a company calling themselves XXXX. Now on Saturday XXXX XXXX, we have received a similar call asking for the same XXXX party and where the party works etc. The number was from XXXX at Online Information Services, XXXX, NC and the main number is according to what i found on the internet, XXXX. They did not state why they want information on the XXXX party, and were told we do not know the XXXX party. I believe the call from this company and the other calls are connected, because the callers are asking for personal private information about the same XXXX party. This company did not say they were a bill collector, but from what i found about them they are a debt collector. I XXXX and found numerous complaints with the XXXX in North Carolina. What they are trying to do is get someone at my residence to share personal and sensitive and confidential information about an unknown XXXX party. We are also on the Do Not Call Registry

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08
Company: Medical Society Business Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a call regarding an amount due from a emergency room visit XXXX/XXXX/XXXX in XXXX XXXX. I was fully covered by insurance at the time of the visit, however since treatment records were not submitted to the insurance company as requested multiple times the claim was never paid. After three months of attempting to get the documentation sent to the insurance company the office has been uncooperative and has not sent the information so the claim can be paid out however is still threatening negative impact on my credit. The insurance requested information several times, the most recent on XXXX/XXXX/XXXX and received no response or compliance to request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: EQUIFAX, INC.
State: IL
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:
This is a written request that you investigate specific items that I believe to be reported in error. These items are not correct and are causing me financial and emotional distress because of their derogative nature. I have no contracts with this company, and did not agree to pay any money to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX XXXX, 2016 I personally went to CapitalOne Bank XXXX branch to collect the stolen funds by unknown theft XXXX XXXX. The stolen funds in the amount of {$79000.00} plus 20 % interest, {$100.00} late fee/per month, {$150.00} travel expense, 14 hours collection time, pain, suffering NEVER paid for 3 years. Theft XXXX XXXX NEVER went to jail for her theft behavior. However the branch manager XXXX XXXX XXXX began to blaim me as a victim. He stated that " because of your behavior, the bank closed all of your accounts and mailed you a cashier 's check {$9.00} on XXXX XXXX, 2016. You can not access the Capitalone branches anymore. '' I feel I was mistreated that I lost my savings for 3 years and never received anymore payback. However he began to take my advantage to let me leave without paying stolen funds back which belong to me. I was also shocked that what type of behavior I have? He lied. I just followed what the customer service told me to go to branch to collect stolen funds. I have asked him the corporate office phone number however he only gave a customer service phone number. I walked out of branch to filed a complaint to customer service Rep XXXX XXXX. On XXXX XXXX, 2016 I was called by a CapitalOne customer service Rep XXXX # XXXX at XXXX. She said she can contact branch regarding my complaint and stolen funds, but I waited 15 minutes she never had any answer. I am extremely angry about my stolen savings not only I need it to pay my daily living expenses, but also I lost lots of promotional bonus, interest, earning opportunities by other means for 3 years. I have NO choice but to file another complaint to ask my stolen funds to be back immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Almost one year ago, XX/XX/2019 bank of America Transferred USD {$33000.00} from my account number XXXX to the account belonging to XXXX XXXX ( no idea which bank my money was sent ) with Confirmation # XXXX. My money simply DISAPPEARED from my account and Bank of America. When I made a claim, they simply sent me a brief communication, and closed my claim. 

BofA Never returned the money. I don't live in the US, but in XXXX ( SXXXX XXXX ). When I opened this account, I opened it years ago telling them I am not American citizen. I am telling this because, in order to transfer money from my account of BofA, I need to login into the account. But I was in XXXX that day ( XX/XX/2019 ) therefore, and It was impossible to authorize a transfer due to, BofA sends a SMS with the authorization code ( 6 digits number ) and IT is IMPOSSIBLE TO receive it outside the US, therefore ... I have NEVER RECEIVED a SMS code to approve any transaction, but BofA, simply ignored my claim and never returned my $ XXXX dollars back to my 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 explanation
Consumer complaint received 2015-03-21
Company: Ballybunion Enterprises, Inc
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint:
freedom furniture and electronics froze my bank account and took XXXX dollars i had in it and made me start paying for a debt i had no idea that i had. they took me to court and i was never properly notified and in a state where i did not live which is virginia

Company public response: Company believes complaint relates to a discontinued policy or procedure
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I owe Kohls some money and I cant afford to pay it back and they are calling my XXXX year old widowed mother constantly. I do not live with her.

Company response to consumer: Closed with explanation