BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-02
Company: Guglielmo and Associates
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Guglielmo and Associates filed a Motion to Renew a Judgment from over 10 years ago. They included in their filings that I had been notified and did not file an opposition to the motion. The reason I didn't file an opposition is because I haven't lived at that mailing address they were sending the notices to for over 2 years. 

I spoke with the current residents of that address and they informed me that any mail addressed to me was placed back in the mail with " Return To Sender No Longer At This Address '' So they deliberately misinformed the court that I had been receiving their correspondence when in fact they knew very well that I had not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: CITIBANK, N.A.
State: SC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I applied and received a Platinum Citbank XXXX XXXX XXXX  credit card last year. I never used the card and do not plan to do so, and closed the account last week. I was told by the phone representative that the annual fee would be erased and nothing more was required. However, I continued to receive daily phone calls from Citibank leaving messages saying it was about my card and when I called back, I was told they were calling " to collect a debt. '' I had to speak with three different representatives to get it cleared up. I finally spoke with someone today named " XXXX '' who confirmed the fee was erased.The first twXXXX representatives with whom I spoke claimed I still owed the fee and offered to collect it over the phone. This seems extremely shady and has altered my opinion of Citibank forever.

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 2023-04-06
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, has violated my rights. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-11-09
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I had a payment due on XXXX XXXX, and I had setup an automatic payment to pay my statement balance. On XXXX, I logged into my account. There was a scheduled payment for XXXXXXXX XXXX, but no pending payment for XXXX. I called customer support and talked to 2 agents. They both told me no payment was pending. While on hold with a 3rd agent, I made a manual payment for my statement balance. The 3rd and 4th agents informed me a payment was pending, but that the pending payment would not be visible on the website. The 4th agent " assured '' me that payment would go through, but refused to allow me to send an email with that " assurance '' or grant permission to record the call.

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 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting 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 a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-10-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
A charge off means that a lender or creditor had written the account off as a loss and the account is considered to be used as income when filling taxes for the consumer which mean it should not be used to be reported on credit report. According to 15 U.S.C. 1681 ( 1 ) the banking system is dependent upon fair and accurate credit reporting. In accurate credit reports directly impair the efficiency of the banking system and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. The charge off of this account reporting a late payment is a clear violation of the FCRA law. Late payments are illegal according to 15 usc 1681a ( 2 ) ( 1 ) under exclusions. The information on two different credit reporting agencies is reporting two different information and dates do not match

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 2023-10-30
Company: Exeter Finance Corp.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Company states account was not written off nor closed account. However account is being reported on my credit report as a charged off account. Company states the account is open and was never written off as tax debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the FTC report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the FTC report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Date Opened : XX/XX/1996 Balance : {$18000.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-10-23
Company: Nelnet, Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2023, I sent letters requesting proof of the alleged debt that shows on my credit report Which includes original promissory notes signed with my signature I have not received any type of communication in well over 40+ days

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I made a transaction on Friday, XX/XX/XXXX, of {$170.00} through XXXX. The payment was for an XXXX XXXX XXXX on XXXX XXXX. I contacted the merchant, XXXX XXXX, that day. He listed the phone for {$180.00}, but he gave me {$20.00} off, so I paid {$160.00} and {$10.00} for shipping. I sent {$170.00} to his XXXX : XXXX XXXX. 

He told me he was going to ship it the next day, Saturday, XX/XX/XXXX. I tried to message him in the afternoon of that day to confirm if he shipped it, and I got a message from XXXX saying, the person can not receive messages right now. I tried to look up his XXXX account, but I could not find it. I do not know this merchant, and I have no way to contact him. 

I contacted XXXX Support on XX/XX/XXXX. They kept pushing me back and forth between multiple agents. and all agents did anything other than sending me canned responses that did not address my issue. I requested the fund from him twice through XXXX, and he declined it. 

I reached out to my bank ; Bank of America and filed a claim on XX/XX/XXXX. I provided proof of my transaction and other supporting documents for my claim. A temporary credit of {$170.00} was sent to my account while they researched my claim. I got a message from my bank on XX/XX/XXXX saying my claim has been closed, and they are unable to pay me because XXXX has successfully completed the transaction. The temporary credit will be deducted from my account on XX/XX/XXXX. 

The merchant is a SCAM. It has been 21 days since my transaction, and I have not received my item. It is unfair that my bank was not able to help me get my refund. Please, I am reaching out to you as a last resort. I do not know anyone else that can help me.

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 2023-10-24
Company: Spring Oaks Capital, LLC
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have received letters in the mail from : Spring Oaks Capital , LLC in Virginia trying to collect monies. I have never done business with this company, nor have I ever signed a contract with them. I have been receiving threatening phone calls from XXXX and letters from these people. They now have 2 collections showing on my different credit reports, claiming that I owe them money, which I don't. The 2 banks they are telling me they work for happen to be 2 banks that I have current accounts with, both in good standing, never late on any payments, no issues. I'm XXXX XXXX XXXX and scared that they will ruin my credit or do something worse to my life. I have reported Spring Oaks Capital , LLC to the XXXX, filed a complaint. I have a current XXXX Account and multiple accounts with XXXX XXXX, personal and business, all accounts are current, in good standing. Spring Oaks Capital has numerous complaints with the XXXX I have never given consent to Spring Oaks Capital, signed any contract or verbal agreements with them. I want these collections taken off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: FC HoldCo LLC
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Well what happened I was in hospital having a XXXX due too so much stress going on and flagship towed my car which is fine but they could call me too see what happened and then the people they sent went in my car trashed it and didn't return my items they put some in garage bags but didn't get permission to enter the car but now I want me to pick it back up when I don't know what was done too it so I want to sue but I can have consideration but I don't know but some unlawful things took place that I'm not wanting to deal with I work for state so I'm not trying get in trouble for nobody..

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 2022-11-03
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mr Cooper has evidently bought my mortgage from XXXX XXXX, and it has been an absolute nightmare from the beginning date of XX/XX/XXXX. I asked them to remove the PMI from my account and after stating that I don't have enough equity and I can pay {$150.00} to have a broker appraisal done. Even though they show on their website that I'm sitting at 52 % ownership position with {$180000.00} ( uploaded copy below ) of equity and a loan balance of {$160000.00} and I know they are wrong ; I agreed to go ahead and have an outside opinion scheduled so they can no longer use that as an excuse. They actually sent me an email from their PMI department ( uploaded copy below ) stating that I purchased the property for {$160000.00} and the current loan balance is {$190000.00} which is the exact opposite of the facts. I purchased the property in XXXX for {$190000.00} and my current loan balance is approximately {$160000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Back in XXXX or around XXXX Capital One Finance reached out to me about surrendering the car to them or paying {$6000.00} dollars. I agreed to surrender the vehicle because I didn't have {$6000.00} dollars and gave them the address and call them on multiple occasions to come and get the car, no one ever came and now in XXXX they reached out to me stating they are going to put a repossession for the car after two and a half years of no response to my calls or anything. I don ' think this should count against me or go on my credit when I voluntarily agreed to give surrender the vehicle. When I ask the representative why they didn't come get the car his response to me was they don't have anything to do with the repossession people. But 2 and a half years later now you want to put this on my credit, and I disagree. If there is anything I can do any advice would be appreciated. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: HEAD MERCANTILE CO., INC.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
this is my 2nd request to Head Mercantile Co, Inc dba SOS GROUP about some alleged debts of XXXX ; XXXX and XXXX that i don't owe.I sent my first request on XX/XX/2021 which they didn't respond, and now i'm sending my last request on XX/XX/2021 before i turn this matter over to my attorney to sue.they have violated 15 USC 1692 ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am filing this report due to a critical concern regarding my FICO score. On XX/XX/XXXX my FICO score had an 11 point drop from XXXX to XXXX. This drop occurred within a 24 hour span, which was a shock to me. As a diligent consumer I checked my credit report and contacted TransUnion regarding this drop but neither had any reasoning for the drop nor was there any negative reporting. Additionally, there was no activity that would cause such a drop. 

On XX/XX/XXXX, my credit score at the three credit agencies was above XXXX with the score at TransUnion specifically at XXXX, since XX/XX/XXXX. On XX/XX/XXXX my score dropped 11 points. There was no negative information on my credit report. No late payments, no delinquencies, no inquiries, no collections, nothing out of the ordinary. I called both TransUnion and FICO. Customer service representatives at both organizations could not find out why the scores had dropped. They informed me that there was no evidence of delinquency, bankruptcy, foreclosures, or any of the factors that would consequently garner such a significant drop. 
My credit report says I have Accounts with Balances, Consumer finance accounts, and Seeking Credit. These statements are all inaccurate. I have a 1 % usage indicated on my credit report. My accounts have not changed, so I do not have any consumer finance accounts. I am not seeking credit, as indicative of my lack of hard pulls on my credit report. As I mentioned before, nothing had changed in the way I used my credit, and no negative information was reported. When I inquired to both the TransUnion and FICO customer service representatives regarding the negative remark, they were unfamiliar with this remark and could not find more information on why it was present in my report. The representatives were not able to find anything that warranted a score decrease on my report. 

I urge you to consider the seriousness of this matter. Over a 24-year span of building my immaculate credit, this significant drop can be catastrophic and can be a detriment to my personal and business financial burden ( i.e., line of credit, merchant account, property rentals, mortgage, insurance, credit cards, auto loans, equipment rental, terms of leases, business investments, and bank loans ). Credit standing is my blueprint and having a lower score can affect my standing with any reputable financial institution.

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 2023-02-03
Company: Sherloq Group, Inc
State: CT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted Sherloq multiple to asking to validate my debt with my signature allowing them to have my medical information and my signature validating my debt. They refuse to do so. I have have stated multiple times that I do not claim this debt and was never presented with a bill of this debt. They continue to call me after I asked them to not. I have contacted them over 30 days ago and they never responded till over 60 days later. 
I request that this debt be deleted.

Company response to consumer: Closed with explanation