BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-25
Company: Tenaglia & Hunt, PA
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XXXX/XXXX  shared my personal information with debt collectors TENAGLIA & HUNT who filed a lawsuit on XXXX/XXXX behalf. Pursuant to 31 USC 3718, " Under conditions the head of an executive, judicial, or legislative agency considers appropriate, the head of the agency may enter into a contract with a person for collection service to recover indebtedness owed, or to locate or recover assets of, the United States Government. The head of an agency may not enter into a contract under the preceding sentence to locate or recover assets of the United States held by a State government or financial institution unless that agency has established procedures approved by the Secretary of the Treasury to identify and recover such assets. '' and as such, I have yet to receive proper proof from XXXX/XXXX or TENAGLIA & HUNT that approval to collect on the alleged debt was approved in accordance to the UNITED STATES code listed above. Pursuant to 18 USC 1028A ( a ), " Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. '' and as such, XXXX/XXXX knowingly transferred my personal information without my lawful authority to debt collectors TENAGLIA & HUNT and debt collectors TENAGLIA & HUNT obtained and is in possession of my personal information without my lawful authority and has used such information and illegally attempted to collect an alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: LendingPoint Holdings LLC
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2022 {$160.00} was withdrawn from my company account with a description " PAYMENT LENDINGPOINT LLC XXXX XXXX XXXX ACH DEBIT ''. This was not an authorized charge on my account and I reached out to the company Lending Point who withdrew the money from my account and after a long conversation the man on the phone told me that there was no way for him to refund the money to my account and the best he could do was reach out to his accounting department to try and have them figure out if it was a typo or if they were given the wrong account number. This is absolutely ridiculous and they should not be withdrawing money from accounts without verification that the name on the account matches the name on the loan. Withdrawing money from the wrong account is fraud and they did not seem concerned at all that whoever had given them my account number had also participated in fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
These accounts have been consolidated in XX/XX/XXXX. At no time was I contacted in writing by Texas XXXX XXXX XXXX XXXX about my multiple accounts being delinquent or sent to collections. Texas is currently reporting this as a collection account. This is not only inaccurate, but it is placing my military clearance in jeopardy. 

XXXX XXXX XXXX is reporting multiple accounts as XXXX days past due, all having a zero balance, and all in excess of XXXX years old. At no time, have I ever had any written correspondence from XXXX XXXX XXXX indicating I had past due loans. I did not even know I had loans with XXXX XXXX XXXX. 

XXXX XXXX is also reporting that I had student loan accounts with them in excess of XXXX days past due, many of which are greater than XXXX years old. At no time did I ever had any written correspondence from XXXX XXXX indicating I had past due loans. 

Another student loan creditor, XXXX/XXXX XXXX XXXX, is also reporting multiple loans as XXXX days past due and these loans are older than XXXX years. 

The United States Department XXXX XXXX is also reporting XXXX old student loan accounts as payment after charge off/collection. Most of those loans, if not all, are in excess of XXXX years old.

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 2022-07-11
Company: EQUIFAX, 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: Account status incorrect

Complaint:
This complaint is regarding Account # XXXX. I notified XXXX XXXX and All 3 Credit Bureaus of the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) and the Fair Credit Reporting Act, along with the corresponding local state laws. I indicated to them that I was is disputing this account and I am requesting " validation '' ; that the Vehicle Purchased from XXXX XXXX XXXX XXXX XXXX in XXXX XXXX NY was not sold to me as a lemon. I was in pursuit of filing a claim with the State of NY Lemon Law when the vehicle was towed. I have never fully utilized the vehicle while in my possession because it was in XXXX XXXX possession the majority of the time I was paying for it the vehicle was in the Mechanic shop. The vehicle had various electrical and mechanical issues from the day I bought it. It was purchased on XX/XX/2018 and two days later began the issues of fixing the issues. I have filed a complaint with the NY Dept of Motor Vehicles about the sale of vehicle Vin # XXXX. I asked that XXXX remove this account from all 3 credit Bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
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: Account status incorrect

Complaint:
This complaint is regarding Account # XXXX. I notified XXXX XXXX and All 3 Credit Bureaus of the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) and the Fair Credit Reporting Act, along with the corresponding local state laws. I indicated to them that I was is disputing this account and I am requesting " validation '' ; that the Vehicle Purchased from XXXX XXXX XXXX XXXX XXXX in XXXX XXXX NY was not sold to me as a lemon. I was in pursuit of filing a claim with the State of NY Lemon Law when the vehicle was towed. I have never fully utilized the vehicle while in my possession because it was in XXXX XXXX possession the majority of the time I was paying for it the vehicle was in the Mechanic shop. The vehicle had various electrical and mechanical issues from the day I bought it. It was purchased on XX/XX/2018 and two days later began the issues of fixing the issues. I have filed a complaint with the NY Dept of Motor Vehicles about the sale of vehicle Vin # XXXX. I asked that XXXX remove this account from all 3 credit Bureaus.

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 2017-09-09
Company: EQUIFAX, INC.
State: NJ
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:
1 ) My Social Security Number, Date of Birth, and full address were stolen as part of the Equifax hack of 2017. Upon finding this out, I instituted a 90 day credit monitoring service on my account, and did a full investigation into my current credit status, which cost a significant part of a workday.
2 ) I tried pulling a full credit report from equifax using XXXX to ensure that none of my information is incorrect, but their website was not functional ( so they owe me a free credit report as well ) 3 ) Numerous executives at the firm sold shares/exercised options in the firm stock in the days leading up to the hack becoming publicly available information. This warrants further investigation. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
This complaint is regarding Account # XXXX. I notified XXXX XXXX and All 3 Credit Bureaus of the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) and the Fair Credit Reporting Act, along with the corresponding local state laws. I indicated to them that I was is disputing this account and I am requesting " validation '' ; that the Vehicle Purchased from XXXX XXXX XXXX XXXX XXXX in XXXX XXXX NY was not sold to me as a lemon. I was in pursuit of filing a claim with the State of NY Lemon Law when the vehicle was towed. I have never fully utilized the vehicle while in my possession because it was in XXXXXXXX XXXX possession the majority of the time I was paying for it the vehicle was in the Mechanic shop. The vehicle had various electrical and mechanical issues from the day I bought it. It was purchased on XX/XX/2018 and XXXX days later began the issues of fixing the issues. I have filed a complaint with the NY Dept of Motor Vehicles about the sale of vehicle Vin # XXXX. I asked that XXXX remove this account from all 3 credit Bureaus.

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 2022-02-09
Company: NCB Management Services Inc.
State: LA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX I received a copy of my consumer credit report and have noticed that a company by the name of NCB Management Service is attempting to collect a debt that is not owed in the amount of XXXX and which I have not directly given this company permission to obtain any of my personal information ; this is a direct violation of my rights to privacy. According to the privacy act of XXXX, I, the consumer did not give this company any written consent neither an oral agreement which bonds me to this company in regards to this account. Please provide any contractual agreement that validates this debt accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: Global Lending Services LLC
State: IN
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ive sent an affidavit of truth to Global Lending services whom somehow has my personal information and have been reporting an improper debt onto my consumer report. i believe my federal protected conumer rights are being violated and i have proof in the attachments ive sent to Global Lending Services. under fdcpa ( federal debt collection pratice act ) 15 USC 1692 vaildation of debts congress states a debt collector " SHALL '' send me the consumer 5 items within 30 days of the intial communication. Global Lending Services never sent me the 5 things required under 15 usc 1692G, and still have yet to respond to my affidavit. i am expencering loss of sleep, loss of concentration, and Anxiety.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: Affirm Holdings, Inc
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I pulled my credit and noticed that there were 4 different accounts that I'm not aware of. My accounts were hacked and my information was used to open these accounts. I have been trying to dispute for a while now and now its on my credit. This is hindering me from moving forward in life and decreased my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I contacted XXXX to inquire as to why my credit card reporting status showed under adverse accounts on my TransUnion report.I was never late with the account. I was advised that the company closed the account and that is why it is reporting as adverse. I specified the company closed the account because I had to go through a credit counseling agency to get an interest reduction and the stipulation for the reduction was that the account be closed. XXXX would not negotiate a lower interest with me even though I was not late. I was instructed to dispute the account with the reporting agency TransUnion. 
I filed a dispute with TransUnion because XXXX stated they would not change the status. Initially, it appeared as closed. However, the completion of the investigation with TransUnion now shows the account is being managed by a financial counseling program. This addition to my report caused a decline in which my score went from XXXX to XXXX. If XXXX did n't have that notation on my credit report before hand why did they feel compelled to place it on my credit report now.

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 2022-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
In Accordance with the Fair Credit Reporting Act XXXX XXXX along with the three Credit Bureaus XXXX, XXXX and Transunion have violated my rights. 

15 U.S.C 1681 Section 602 A states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX Account never received my permission and is falsely reporting this Account on my credit report as a mortgage.

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 2021-08-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This company calls me nearly every day, requesting my personal information. Every time I answer, I ask them to communicate with me only in writing and to stop calling me. They refuse and continue to call and harass me though I have not received any communication from them in writing. They continue to ask me for my personal information such as my date of birth and physical address, which leads me to believe that they are attempting to scam me. They have called me 5 separate times over the past week and they continue to ignore my request for them to stop calling me and to communicate with me in writing via mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-11
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I acquired title to property located at XXXX XXXX XXXX XXXX XXXX, XXXX, Fl XXXX. This property is encumbered by a first mortgage in the amount of {$100000.00} assigned to XXXXXXXX XXXX XXXXXXXX XXXX XXXX. Since XX/XX/XXXX, I have contacted via email said bank to obtain account information in order to make payments. On the same date, XXXX XXXX, Property Account Compliance Administrator of XXXX XXXXXXXX  told me that we should contact PHH Mortgage, servicer on this loan. Since that date, we have spoken and written to PHH Mortgage Corporation in countless occasions asking for the account information to no avail. Florida Statute 701.04 provides that a record title owner of a property shall be given this information and even after obtaining a third party written authorization by previous owner and original mortgage debtor, which was sent to PHH, to this day, more than two years after my initial request, the mortgage lender won't provide the information on the account to me, the title holder. 
By not providing the detailed information to which as title holder I'm entitled according to the preceding statute, I'm not only being prevented of the sale of the property, but also being harmed by unnecessarily increased charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: Experian Information Solutions Inc.
State: NY
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:
In Accordance with the Fair Credit Reporting Act XXXX XXXX  along with the three Credit Bureaus XXXX, Experian and XXXX have violated my rights. 

15 U.S.C 1681 Section 602 A states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX Account never received my permission and is falsely reporting this Account on my credit report as a mortgage.

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 2017-09-09
Company: Seterus, Inc.
State: HI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XXXX XXXX, 2017, my Mortgage # XXXX serviced by Seterus Inc. was paid in full. There was an overpayment made by XXXX XXXX as well as residual in the established escrow account. I had requested that Seterus to return the funds back to me immediately. They refused. They then advised me that they do have up to 30 business days to get the funds back to me and there was no way that they would try to assist me further. This is their policy and that is it. Numerous calls to their company requesting to speak with the refund department personnel or department head was denied. This behavior and unacceptable because I was advised that the funds would be returned back to me within a week. 

Written confirmation correspondence to expedite the return of funds, twice, led to a form letter which dis not address the complaint. They have not been responsive to my additional inquiries or confirmation of final figures on the overpayment of my mortgage loan. 

Seterus has a long history of not dealing with their customers fairly and in a timely manner. There was been numerous lawsuits on their improper conduct and unprofessionalism.

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 2022-07-11
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
We are responding to the concerns about the XXXX XXXX XXXXXXXX XXXX  ( XXXX ) you outlined in your correspondence to the Consumer Financial Protection Bureau regarding funds you received from XXXX member, XXXX XXXX, before she passed away and that you deposited to your Wells Fargo account. Our records show that checks in the amounts of {$50000.00} and {$20000.00} were made payable to you from a XXXX XXXX account belonging to XXXX XXXX. As you are not an accountholder, we can not release any information to you about the account. However, we can inform you that XXXX XXXX did pay the checks, and the funds are with Wells Fargo. XXXX XXXX did not reverse the two checks from your Wells Fargo account. There is no further information XXXX XXXX can provide you, and we suggest that you speak with Wells Fargo. Thank you for the opportunity to review this matter and respond.

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 2022-07-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
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:
I received an email from Bank of America that a new credit card was approved and mailed to my address. Also received an email from the United States XXXX XXXX that someone had submitted a change of address for me. I have contacted both places and reported this as fraudulent. I was advised by the bank to file a report here.

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 2017-09-09
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Equifax mishandled my personal information including name, social security number, address, birth date, drivers license number, and possibly more. They allowed a data breach to occur in XXXX 2017, and they confirmed I may be affected on their website www.equifaxsecurity2017.com. Equifax has put myself and millions of others at risk of identity theft / fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties they are responsible for up for " trial periods '' of their ID protection services. The negligent loss of personal information of nearly 200 million consumers is unethical, and it is further unreasonable that they are not directly notifying every single person affected by this incident.

Company response to consumer: Closed with explanation