BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX XXXX XXXX, XXXX, on behalf of XXXX XXXX XXXX ( USA ). 
Since XX/XX/XXXX, the above collection company have constantly called me, with an attempt to collect a debt in the amount of {$4000.00}, ( after I asked them not to call anymore and that the debt does n't belong to me it belongs to the corporation inwhich I once worked ), they have mailed me numerous letters, I received the last letter XX/XX/XXXX ( after I asked them not to contact me anymore ) and they have damaged my credit report with all three credit agencies, because of this derogatory mark on my credit report, I have had a very difficult time trying to obtain US Veteran housing. 

I have repeatedly told this collection company that " this debt is not mine and to please remove this negative remark from my credit report, ( inwhich I have never given access permission ). I have repeatedly told and written letters to this collection agency stating that this debt belongs to XXXX XXXX XXXX XXXX a company credit card inwhich was I used under the corporation 's name and was not and is not responsible for debt or repayment. The corporation since then has dissolved. Please ressolve this matter. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I sent a check that was issued to me from a online Bank called XXXX XXXX it was for {$21.00}, it was issued to me through Bank of America by XXXX XXXX When I mobile deposited the check for {$21.00} at XXXX XXXX  Bank of America who is only the issuing bank for the check, the refund was actually from XXXX XXXX went ahead and bounced the check and told XXXX XXXX  that I had altered the check. So XXXX XXXX fraud department, closed my account. I just found out that years ago I had a Bank of America account and they feel like I owe them money so they skipped over any proper collection and took a check that didnt belong to them it was only mobile deposited to them through XXXX XXXX  and they were only the issuing bank but they confiscated my {$21.00} as if the check was made out to them it wasnt even anything to do with Bank of America other than the fact that they issued the XXXX refund to me. They then misrepresented everything to XXXXXXXX XXXX who promptly closed my account for fraud because Bank of America lied to them and told them I altered a {$21.00} and XXXX and check. So if banks can skip over who actually wrote me the check and just keep the money and lie about it because they feel like I owe them money from years ago that is not legal I cant be legal. Plus lying to my new bank to get it closed down so that all my money is locked up and my Social Security is locked up is extra nefarious Bank of America needs to be punished for this and they need to pay me back for damages. When I went to customer service at Bank of America, they would not discuss it with me they gave me a number for some kind of credit or bill collection place from years ago but they actually skipped over the people who issued me the check and just because it was drawn on their bank they felt entitled to take that money, lie about it, and then bounce it to 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 2022-08-29
Company: EQUIFAX, INC.
State: SC
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 inquries on my report that i did not authorize or gave my consent to I'm not aware of these inquiries. and they must be deleted immediately from my consumer report no later than 4 days after receiving my ftc report pursuant to 15 USC1681c-2

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13
Company: Ocwen Financial Corporation
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I Called the company listed below and inquired about information placed on my credit report {$31000.00} in 2006 and the representative asked for my personal information. Name, social security #, address, etc ... she stated that she did not have any information on me in their files or system, I then asked her that if i 'm not in your system then how and why is this debt on my credit report she could not give me an explanation, I then asked for the debt to be removed /deleted and she refused stating that i need to send a copy of my credit report, so i told her that i would file a complaint to get this issue resolved. 

the company is : OCWEN LOAN SERVICING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
XXXX XXXX, opened XX/XX/2017, amount {$420.00}, is being falsely reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2022, I received a text from my bank asking if I had authorized a XXXX transaction for {$3500.00}. I immediately responded, " No ''. I was then contacted by a bank representative who indicated that this would be investigated, that the transfer would be stopped, and that I would not lose any money. I spoke to the fraud claims person several times, or at least I thought I was talking to a Bank of American fraud claims specialist. I have call logs showing multiple phone calls to and from Bank of America phone numbers. I subsequently received emails regarding two more XXXX transfers, one for {$100.00} and one for {$2800.00}, which I also responded " No '' to. I again spoke to someone from Bank of America several times to stop these transfers and have it investigated. My account was put on hold for 48 hours while this was being done, but after those 48 hours, all but {$4.00} was taken from my savings account. All of the transfers went though, even though I did not authorize any of them. This person also requested a {$1500.00} cash advance on my credit card. I also called to stop this charge, but it went through. That charge has since been returned and deemed fraud, but the XXXX transfers have not. I have contacted law enforcement and have been assigned to a sergeant with the XXXX XXXX XXXX Office. I have spent countless hours in the local banking center trying to get help with this, but at this point, Bank of America is only recognizing the credit card cash advance as fraud, not the whole case, even though they were done on the same days, by the same person, and I said " No '' to all of the charges/transfers. I have closed all of my accounts and opened new ones, I changed my phone number. I asked to have XXXX removed from my account. I have done everything that I can to rectify this, but Bank of America is not doing anything to help me. They have not given me back any of my money, even while they are investigating, even though this has been going on for almost a month. ( The claim was first denied and then was re-opened on XX/XX/XXXX. ) I can supply call logs with dates/times/length of calls to/from Bank of America, text messages from Bank of America, emails from Bank of America, as well s documentation of the dates/times I have been at a Bank of America local office. Please let me know next steps. Thank you.

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 2022-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 dealing with unauthorized use of my personal information. Which result in unauthorized items on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-30
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Retail installment credit agreement entered into on XX/XX/2015 for XXXX to purchase a used vehicle with Santander. When the vehicle was delivered it would not even start, and had several mechanical issues that were not disclosed from the seller. 

When the dealer was contacted, there was no response, and eventually we discovered from the police, that the dealer had been shut down for fraud issues. 

Contacted Santander to request that the check being issued to the dealer was stopped. 

The check was sent anyway - after the request to stop the process. The title was send directly to me. 

I contacted Santander to discuss the issue and determine what can be done to rectify this situation. Working with XXXX XXXX we discussed the a potential modification to the original agreement taking into consideration the numerous repairs required. 

During these negotiations i was informed that XXXX XXXX was not longer with the company, and was sent a modification agreement that did not reflect the terms discussed. I " redlined '' the agreement, and returned to Santander, who rejected the agreement due to " changes to the document. '' Since that time, I have had numerous calls with customer service and collections to discuss the issue - which always result in the same conclusion. " We will notate and someone will get back to you. '' Last week, the vehicle was repossessed - and just to add to the issue, my yard was torn up and damaged in the process. 

I have contacted Santander to discuss this issue several times since the repossession, with no resolution. In fact, customer service/collections agents keep telling me that the car loan is past due and ask me to explain the issue AGAIN ... even though it is in the notes of their servicing system. 

I requested a copy of the pay history, all correspondence and the notations - the CFPB servicing file - from Santander, and only received a pay history. 

I received a notice today, that they intend to sell the vehicle in a private auction on XXXX - this disclosure did not include any details of the auction, or even provide the total amount due. 

I called again today to discuss, and after 2 hours on the phone explaining the situation AGAIN, I was transferred to the Office of the President, where I was played a recorded message without ability to leave a message. 

In summary - this complaint is for Confusing, time-consuming, and unhelpful customer service. 
Repossession of the vehicle without completion of the mod Delivered a vehicle that is not worth the original value considering the condition Invested over $ 24K in repairs that is not being accounted for Improper demand notice - for sale of the asset

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. My cellular phone was hacked, someone accessed my online accounts and these fraudulent inquiries were made. I contacted the police department and obtained a police report # XXXX which is attached. Please remove these fraudulent inquiries off my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : 1. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 


2. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 


Please remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. 
Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Sincerely, XXXX 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 non-monetary relief
Consumer complaint received 2022-03-03
Company: COAST PROFESSIONAL INC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was involved in a vehicle accident in XXXXas a result I ended up having XXXX XXXX.I have had no problems with my XXXX  at all.This matter was handled by my attorney and he has the letters that state my debt was paid in full with a zero balance as soon as the insurance company paid we paid all debts owed.Now 4years later the Dept of Treasury Bureau of Fiscal Service has come back saying I owe them $ XXXXThis is money they are stealing from me for something I do not owe.They have determined that the things they are charging me for are related to my accident.However nothing they have is in any way shape or form connected to my accident.XXXX  is XXXX XXXX XXXX XXXX -- XXXX XXXX  is XXXX XXXX  -- XXXX is a XXXXXXXX XXXX XXXX XXXX XXXX..and as far as the XXXX  XXXX you can look and see it is for my XXXX.I was diagnosed with XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) in XXXX and had my 1st XXXX  XXXX then.they are replaced or opened up every so often..as for the XXXX XXXX XXXX I have XXXX  and anybody with common sense knows it doesn't get better..none of these things are related to my accident and my attorney has filed a dispute but they just continue to take the money and then change collection agencies..I am XXXX and on a fixed income and they have already taken money since XX/XX/XXXX at over {$150.00} dollars a month ..it hurts and they won't try to fix it..we have the documents to prove what we say but they just ignore it..I didn't know what else to do..the document attached shows the original date from XXXX plus the date they sent the first letter XXXX4 years

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XXXX XXXX  improperly reported the following latesXX/XX/XXXX 60 Day Late, XX/XX/XXXX 60 Day Late, XX/XX/XXXX 60 Day Late, XX/XX/XXXX120 Day Late, XX/XX/XXXX 120 Day Late, XX/XX/XXXX 120 Day Late, XX/XX/XXXX120 Day Late, XX/XX/XXXX120 Day Late. Needs to reflect on time payments

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions I had written to the company XXXX XXXX XXXX  and the bureaus on numerous occasions but to no avail have they complied with the FCRA and provided me with the proper information. I also have written to the bankruptcy court and they sent a letter stating that they don't report to the bureaus and I sent the letter to all three bureaus and they still are reporting on my reports. 
15 USC 1681. Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

15 U.S. Code 1692- Congressional findings and declaration of purpose ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfairdebtcollection practices by manydebtcollectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. 
No proper investigation has taken place per 15 USC 1681a ( e ) investigative consumer report ( 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.

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 2017-04-11
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify these accounts I disputed. I have been requesting verification of the following account that Equifax continues to report on my credit file : Bankruptcy Case ID # XXXX Equifax listed XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, GA XXXX as the source of their verification on XX/XX/XXXX. 

I directly called the XXXX XXXX telephone number that is listed on my report at XXXX and spoke with an agent and she informed me that a security freeze was placed on my account as of XX/XX/XXXX. I have attached a copy of my security freeze confirmation that I received directly from XXXX XXXX showing the date of confirmation. She also told me that there is NO inquiry from Equifax or mode of verification from XXXX XXXX to Equifax showing on my Lexis Nexis credit file. And she also stated that XXXX XXXX DID NOT verify the verification that Equifax shows as reported on XX/XX/XXXX. I also contacted the courthouse in XXXX NC and spoke with a court clerk. She stated they do not furnish information to credit bureaus by mail, electronically, or by any other means. I am waiting verification from the clerk of court with supporting documented per our conversation. 

Being that they have gone past the 30-day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to delete all information that can not be verified that I disputed. Please resolve this matter as soon as possible. 
I demand that this public record Bankruptcy # XXXX be removed due to lack of verification and inaccurate reporting of verification date! XXXX agents assured me that Equifax 's so-called " verification '' on XX/XX/XXXX WAS NOT REPORTED BY THEM BECAUSE MY XXXX CONSUMBER FILE HAD A SECURITY FREEZE ON IT ON THAT DATE. 
I have repeatedly requested tangible documentation whether electronically or hard copies and Equifax has yet to verify. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: Convergent Resources, Inc.
State: HI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A company by the name of convergent outsourcing Inc . Contacted me via postal mail a few months ago saying that I owe them {$1000.00}. They claim it to be A debt from XXXX XXXX then in the very beginning of XX/XX/2020 I wrote to them asking them to validate this alleged debt. What What they sent in reply to my request by no means meets legal debt validation. All it is is a typed up document done on a computer with a list of transactions and the name and date on the top. This by no means validates this as being mine. if you do a XXXX search with my name well over 50 people come up in the US alone with the exact same name as me. So it could be anyone of those people that share the same name as I, that owe this alleged debt, but its not me that does! It scary how a debt collector can just randomly come after a person for a debt that they dont owe simply because they share the same name as the person who does. So if Im not mistaken I believe there are laws that protect consumers from this sort of thing, and thats why the debt collector has to validate with personal, identifiable information thats indisputable as to who the debt belongs to.

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 2022-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 SEVERAL TIMES DISPUTED THIS ITEM LISTED AS A REPOSSESSION ON MY CREDIT AND THIS COMPANY HAS DONE NOTHING TO INVESTIGATE WHO OBTAINED THIS LOAN UNDER MY NAME. I HAVE NEVER OPENED AN AUTO LOAN WITH XXXX XXXX  IN XXXX AND IN FACT WAS XXXX AT THE TIME THE LOAN WAS OBTAINED. ALL THE COMPANY DOES IS RESPOND THAT MY INFORMATION WAS CORRECT USED FOR THE PURPOSE OF OBTAINING THE LOAN WHEN IM TELLING THEM IT WAS IN FACT NOT ME WHO DID IT. I NEED THIS TO BE RESOLVED IMMEDIATELY. I ALSO HAVE TRIED TO CONTACT THE ALLEGED DEALERSHIP WHERE VEHICLE WAS OBTAINED AND HAVE NOT EVER RECIEVED A RESPONSE OF ANY KIND.

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