BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-15
Company: Santander Consumer USA Holdings Inc.
State: SC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
On XXXX Santander made a collection call to my cell phone at XXXX without my consent. They also made a a call after XXXX without my consent. Please pull phone records for calls made during non collection times.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: Westlake Services, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not give this company permission to view my consumer report. 

XXXX XX/XX/2021

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 2021-07-30
Company: United Military Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
On XX/XX/2021 I established a complaint against the company, LOW VA RATES LLC. XXXX XXXX XXXX XXXX. XXXX UT XXXX XXXX XXXX XXXX # XXXX, XXXX, UT XXXX. 
Corporate address XXXX XXXX  -XXXX, XXXX XXXX XXXX , UT XXXX- Ph ; XXXX-XXXX-XXXX  Today XX/XX/2021 after asking this company several times not to contact me with this what I believed misleading letters. This company will not respond to my complaint, nor will stop harassing me. It extremely clear, NO I do not want this company utilizing my name for marketing, and I will never do business with this company. 
Whats the intention of this letters, why only Veterans like me being target. This company its using my name and personal information for marketing and solicitation. I just don't understand why this company is very aggressive harassing me with weekly repeatedly unsolicited and never requested mail and loan offers. REDUCTION-ALERT VA- Program. 
How this company got my information, what gives the right to this company to use my name and address .This company needs to respect the fact that my name is at the all the credit bureaus Opp -out list and every credit agency op-out list to included also the DMA and FTC. Please ask this company why they don't respect that, and Im pretty sure they're excused will be that my name got obtained out public records. I would like to know where? 
Please stop remove my name out their data base, and ask every marketing company/ and any company associated with this junk mail offers not to use my name. This company apparently distributed my information to others with the same intention. 

I'm a handicap, I'm a war veteran and also I'm a senior citizen being target by this junk unsolicited misleading mail. I had never requested, please STOP do not contact me, do not call me, do not mail me, do not email me please. No response yet. 

Re : Unsolicited Communications ( UC ) - Florida Do Not Call Assigned Case # : XXXX Online Complaint # ( OCN ) : Date of UC : XX/XX/2021 Caller ID # : XXXX Reported Business Name : LOW VA RATES LLC

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09
Company: BANK OF THE WEST
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Here is what happened : they have refused to deposit this cheque, and refuse to credit my deposited cheques. 

to XXXX., XXXX. 
Here is the email to XXXX it is very explicit in its instructions. Instead of following these or making any attempt to cooperate, XXXX calls me and REFUSES to let me speak. That is beyond aggravating and does not help anyone. She refuses to give me her suoervisors contact, and wonders why I am upset! I have been treated extremely poorly by your bank. And XXXX was rude, hostile, aggressive and condescending. All woukd have been avoided if she had taken the 5 minutes needed to simply READ my email. 

I have now spent 6 hours of my time on the phone attempting to receive my own money. 

-- -- -- -- -- Forwarded message -- -- -- -- -- From : XXXX Date : XXXX XXXX, 2015 XXXXSubject : Fwd : Very upset. 
To : XXXX Cc : -- -- -- -- -- Forwarded message -- -- -- -- -- From : XXXX Date : XXXX XXXX, 2015 XXXXSubject : Very upset. 
To : XXXX Cc : I opened up a Bank of the West account about a month ago and have had a lot of trouble getting access to my money. For example a check that I deposited two weeks ago is still debited from my account declared " uncollected '' ... this is a very long time not to cash a check. 

Today in the grocery store I was unable to buy groceries. I called the number on the back of the card but nobody ever answered. 

I called XXXX at the branch I had opened at and she said the card was working fine. I explaind to her that I could not make the purchase. 

I was in the store over an hour and my card never worked. 

XXXX called me back and was very unsatisfactory, not apologizing at all, and not answering my questions or letting me speak. 

I called customer service. he put me through to XXXX who only said that my card is working fine even though I told her that its not. Her she said she would give me a direct number if I had any other problems but she did not give it to me. 

I have a cheque coming in of XXXX. I trust you will not hold these funds for ver 2 weeks like you have been holding on to my other checks. As soon as it is cleared I want you to notify me immediately so I can come in and take all my money and close my account. As clearly you do not want me as a customer mPlease verify that you have received this email, and will notify me the minute that the check is clearedmThank You XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: EQUIFAX, INC.
State: NY
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:
This is the XXXX time that I have contacted these two reporting agencies and I'm disappointed in the lack of integrity that these people take to hold our credit reports! FIX THIS ASAP! I've paid PERFECT payments since XX/XX/2018 and you need to report this on my credit!!! My score has dropped since you stopped reporting it! So put this back on now! I have PROOF that this account is {$5000.00} limit and I've made perfect payments since opened! So report it! TransUnion is reporting it so YOU NEED TO REPORT AS WELL! ACCOUNT # XXXX XXXX XXXX  {$5000.00} limit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
on XX/XX/2021 my check # XXXX was cashed. it was written for {$1300.00} but the person cashing the check got only {$130.00}. This was an error of {$1100.00}. She left the bank without counting her money.

I called the bank to find out what the issue was when my payee called and complained to me about the amount she received. 
On XX/XX/2021 an adjustment appeared on my account debiting the additional {$1100.00} from the account.

Capital one will not put the money back in my account and they say they can not give me info as to where the additional money was sent.

I need a record as to where the money they debited has gone. I want that money put back into my account.

I have spent hour after hour on the phone with customer service supervisors to try to recover the debited money and they refuse to return the {$1100.00} to me.

Please help me get my money back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-28
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Midland sued me to collect debt that was not mine. Failed to prove debt was mine and case was dismissed. They refuse to remove it from my credit report on XXXX. All other reporting bureaus removed it. They have told me over the phone with documentation of dismissal it will be removed, it has been submitted and they still refuse to remove it. It is also too old to continue to be reported but they keep changing the date. 

I was told by re that states manager XXXX XXXX, that even though it is past statute of limitations, and lost in court they will still continue to treat this as a collectible debt, and will continue to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
In XX/XX/2021 my bank account info was stolen/hacked. My bank notified me immediately, denied the attempts to use my card, and I changed all banking info immediately. I later discovered that a loan was fraudulently opened in my name. I disputed it with the companys fraud department, and they agreed that it was opened fraudulently and agreed to remove it and any negative info immediately from my credit reports. I have filed identity theft reports, I have all confirmations and records, and I notified the credit reporting agencies of the inaccuracy of the loan. TransUnion and XXXX  are inaccurately reporting even after being aware of the situation. Im unsure about 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 2021-07-30
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:
Unless you can provide actual evidence of each inquiry concluded from a specific company with signature, location, and date, this would be considered unauthorized review for my credit as I have not given this company a reason that I would conclude to do business with them as I mentioned to them I did not want them to review my credit. 
Apparently, they did and that is illegal on their part. Investigate this with them and have each inquiry that was not justified or given permission by me to do so. 

XXXX XXXX XXXX UNAUTHORIZED CREDIT INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX , Texas XXXX XX/XX/1991

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-20
Company: Collection Bureau of America Ltd.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I need COLLECTION BUREAU OF AMERICA FOR to validate and verify pursuant to 15USC1692g ( a ) ( b ), I am the Consumer Pursuant to 15USC1692a ( 3 ), and COLLECTION BUREAU OF AMERICA is a DEBT COLLECTOR/DATA BUYER/RECEIVABLES PURCHASER pursuant to 15USC1692a ( 6 ). COLLECTION BUREAU OF AMERICA has intruded into my ( the Consumer 's ) Private Non-Public information which is called IDENTITY THEFT Pursuant to 16CFR603.2 and this is a Felony punishable by law. I ( the Consumer ) want COLLECTION BUREAU OF AMERICA to divulge information from the person or persons who shared private information with them first who, what, where, and why they are using my information to publically humiliate the Consumer. I ( the Consumer ) need this information because within five ( 5 ) days COLLECTION BUREAU OF AMERICA needs to provide loan level documentation containing what the Consumer has requested. The statutes of limitations are up for COLLECTION BUREAU OF AMERICA. XXXX v XXXX, XXXX, XXXX, XXXX. an Amicus Brief covered this FDCPA Fair Debt Collection Practices Act. Specifically XXXX v. XXXX, XXXX, XXXX XXXX XXXX, XXXX. 
The CONSUMER wants CREDIT BUREAU OF AMERICA TO CEASE AND DESIST COLLECTING ON SOMETHING THAT THE CONSUMER does n't have knowledge of or want to. This illegal behavior is being claimed by the Consumer to the Federal Bureau of Investigation Criminal Division for divulging this information as quickly as possible. PLEASE CEASE AND DESIST this dangerous behavior. 
The Consumer has needs to purchase personal, family, and household needs but is hindered from obtaining such because COLLECTION BUREAU OF AMERICA says she owes them money and according to the LIBER CODE Article 42 which was signed into law on XXXX XXXX, 2016, you do not have authority to make the Consumer work for you and pay you money on something that you do not have a signed contract with. The unauthorized intrusion into the Consumers Credit Reports are not part of what Consumerism is about. This CORPORATION is in PROFIT, TRADE, AND BUSINESS, and the Consumer has personal, family, and household goods and it is not to be misconstrued for PROFIT, TRADE, AND BUSINESS, like this CORPORATION,. 
COLLECTION BUREU OF AMERICA is trying to extort funds from the Consumer without merit. I will make sure that this is known to everybody about this illegal act. 
They have harmed the Consumers purchasing power which is the natural person pursuant to the ( FDCPA ) Fair Debt Collection Practices Act 15USC1692c, d, e, f, g, and j respectively. I ( the Consumer ) am not in COMMERCE. 
Pursuant to 15USC1692k I ( the Consumer ) has invoked her private right of action and wants this bad situation to go away as soon as possible. CEASE AND DESIST. XXXX XXXX XXXX XXXX Consumer

Company response to consumer: Closed
Consumer complaint received 2021-07-30
Company: EQUIFAX, INC.
State: CA
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:
Hello, my name is XXXX XXXX and I received my credit report to find that XXXX  put something on my report that was NOT authorized by me, they did not have my written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
XXXX XXXX is supposed to remove all 3 tradelines from the 3 major credit reporting agencies as part of a class action lawsuit settlement. I submitted the lawsuit paper to all 3 credit bureaus and they will not remove the tradelines from XXXX. I contacted XXXX XXXX several times to remove the tradelines with no sucess at all. It is part of a settlement regarding repossessed vechicles with balances being reported on the credit bureaus. XXXX XXXX XXXX is supposed to remove the information on all 3 major credit bureaus. Ive disputed st least 3 different times to all 3 credit bureaus and they will not remove the information.

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 2021-02-19
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I reside in Pennsylvania, and the Department of unemployment compensation sent me a US Bank Relia Card. My Pandemic unemployment Assistance ( PUA ) unemployment compensation payments has been deposited to US Bank Reli card. I went to make a withdrawal at XXXX XXXX, and I am also a customer with XXXXXXXX XXXX and an account holder. I tried to make a withdrawal and each time the XXXX XXXX  would want to charge me a fee of {$3.00} cents per withdrawal. I also tried to to transfer my PUA payments to my primary checking or saving accounts without much success each time more than three times.

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 2015-05-13
Company: Collection Bureau of America Ltd.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
This is the second time they 've repeatedly called me after I sent them a " cease communication '' letter. The first time was from XXXX XXXX, through XXXX XXXX, 2012. On XXXX XXXX, 2012, I sent them a second " cease communication '' letter. 
I 'm not entirely sure when the calls started again ( I erased my Caller ID ) but since I erased my caller ID, I 've received five calls ( from XXXX XXXX through XXXX XXXX ). They do n't leave a message so today I called to ask them to stop calling. The woman who answered the phone was extremely rude. She told me name of her company but hung up on me the second time I asked for their address.

Company response to consumer: Closed
Consumer complaint received 2022-04-15
Company: EQUIFAX, INC.
State: WV
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:
Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: EQUIFAX, INC.
State: NC
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:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Last 4 of Social Security # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: U.S. BANCORP
State: OK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
US Bank Home Mortgage has inaccurately reported information to the credit reporting bureaus since at least XXXX of 2019. I have tried repeatedly to resolve this matter and US Bank has not made any effort to correct their inaccuracies.

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 2017-01-23
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
There are XXXX pages of history, via the U.S. Dept. Of Education website, somewhat detailing the major railroading I 'm trying to decipher. 
In a nutshell, I borrowed less than {$25000.00} & owe close to {$80000.00}. 
Crazy how every deceptive practice employed by Sallie Mae has been embraced & accepted as fact, in reference to my student loan debt. 
It 's an atrocity & a sin how so many others, such as myself, struggled through affording a college education & are now employed members of society, but my student loans & the debts they 've accrued ruined any chance of my home ownership. 
As I see it now, it 's also dismal in the future.

Company response to consumer: Closed with explanation