BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-19
Company: EQUIFAX, INC.
State: MO
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX Balance : {$1200.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$600.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$0.00} XXXX PORTFOLIO XXXX Balance : {$650.00} ; XXXX XXXXXXXX Balance : {$960.00} ; XXXX  XXXX Balance : {$100.00} ; XXXX XXXXXXXX Balance : {$500.00} ; XXXX XXXX Balance : {$980.00} ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX MICHIGAN XXXX XXXX XXXX, MO XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: EQUIFAX, INC.
State: PA
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 reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Web bank/fingerhut XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX 15 U.S.C. 1681 section 602A. States I have the right to privacy.

15 U.S.C. 1681 section 604 a section 2 ; it also states, consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) Section states ; no, consumer reporting agency may make any consumer reporting containing any of the following items of information, any other adverse items 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 a reasonable cause to believe that information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: M&T BANK CORPORATION
State: MN
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
We built a new home in XXXX in XXXX XXXX, Minnesota. During the closing process we noticed that somehow the escrow got setup for us to pay the anticipated " full '' taxes for XXXX at {$4300.00}, or {$360.00} per mortgage payment. After closing we we told to make 1 payment then call to get the taxes and escrow payment adjusted. We made our XX/XX/XXXX payment. 
To preface the main issue, in Minnesota, per MN Statute the value used to XXXX property taxes for a certain year is based on the value of the property on XX/XX/XXXX of the previous year. So for XXXX taxes the value to base those taxes on is based on the value of the property on XX/XX/XXXX. For our property the value is based off of it being a vacant lot, proposed at {$23000.00}, with a homestead exclusion of {$9200.00} for a taxable value of {$13000.00} which makes the proposed taxes for XXXX {$210.00}. 
I called M & T bank in early XX/XX/XXXX to have them correct the XXXX taxes from the {$4300.00} to the {$210.00}. They opened a case up and told me that the case would take 5-10 business days to resolve. When I called back @ XX/XX/XXXX they said the case had been closed and the taxes they had at {$4300.00} were correct. I explained the situation again and asked the to open a new case as that was not correct. They opened a new case and I sent them a document I received from XXXX County with my proposed XXXX taxes listed at {$210.00}. 
On XX/XX/XXXX I called again to find out the resolution. Once again I was told by XXXX that they had the correct amount and that the case had been closed without changing my payment. At this point I was getting extremely frustrated and asked to speak with a supervisor. I went through the same process of explaining the situation and opened another case. She told me that they can't speak directly to the " research " department handling the case. She once again told me that it would be 5-10 days. 
I called on XX/XX/XXXX again and once again was told that everything was correct in their system. I once again opened a case and also uploaded to them a letter from the XXXX County assessor, XXXX XXXX, who I had talked to about this XXXX tax issue. 
Once again I called on XX/XX/XXXX and spoke to a XXXX who informed me of the same closed case. I asked to speak with a supervisor and was told none were available but would call me back in 24-48 hours. I again opened a case and subsequently never did receive a phone call from a supervisor. 
XX/XX/XXXX, I called and spoke to a supervisor XXXX who informed me of the same closed case scenario. She though went one step further and actually called XXXX XXXX in a conference call with me. XXXX confirmed the proposed XXXX tax amount, based off of the undeveloped lot as of XX/XX/XXXX. She opened another case .... 
That is where we are at today, XX/XX/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 monetary relief
Consumer complaint received 2021-01-14
Company: SYNCHRONY FINANCIAL
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: Account information incorrect

Complaint:
SYNCB/AMEAGL Account # : XXXX Called into Syncb today, XX/XX/2021 around XXXX and spoke with XXXX XXXX customer services at XXXX. XXXX was great, he isn't the issue. 

The issue here is the above account is still being reported even though its past its 7 years on the bureaus. Furthermore, XXXX was not able to find an existing account with the above info, nor was he able to find the account with my SS number. So, I ask why still report this info? Its current! It not late. There is no money being owed. 

Please simply delete this information via XXXX and XXXX  through your online portal. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: Experian Information Solutions Inc.
State: GA
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:
Im accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 thats that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : Its also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
Company: Lendmark Financial Services
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/2020 I sent this company a cease and desist letter which they did reply on XX/XX/XXXX that they received it and will honor my request. This company has called me 29 times since then also leaving multiple voicemails on the same day. On XX/XX/XXXX XXXX and XXXX left two voicemails, on XX/XX/XXXX XXXX and XXXX left two voicemails, and on XX/XX/XXXX XXXX and XXXX both left messages as well. This is considered harassment especially after I sent them the seas and desist letter. His company is in violation of that and Ill like To make a formal complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
On XX/XX/2018, I was trying to acquire a personal loan thru XXXX. When running my report It was noted that I had a delinquent account. On XX/XX/2018 I pulled credit reports from all 3 credit bureaus, I filed a complaint for resolution to remove the negative account because it was reported as closed late, but it should have been reported paid closed never late. On XX/XX/2018 I contacted XXXX XXXX XXXX to notify them of their mistake. They were able to fix it under AUD Control Number : XXXX and sent all 3 credit bureaus the new information. On XX/XX/18 reporting was updated on XXXX, and XXXX   but not trans union. I submitted another dispute via trans union site on XX/XX/18 and On XX/XX/18 again I submitted 3rd dispute via trans union website, and ( 4th ) via telephone complain to supervisor XXXX XXXX at approximately XXXXpst. I also purchased a credit monitoring not by choice but because I felt obligated so my complain would be resolved. Its been 4 months and this is affecting my credit score and I can't buy a home or open credit due to their mistake.

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 2023-05-23
Company: PNC Bank N.A.
State: MD
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
RE : PNC Bank 's wrongful dishonor of my properly payable check and PNC 's response to my initial complaint I thank XXXX XXXX for responding to the CFPB regarding my complaint that PNC wrongfully dishonored my properly payable check. For the most part, XXXX XXXX response merely reiterates my statements and provides little substantive information. 

Over the period of months during which I was a PNC customer, PNC Bank established a pattern of no-written-response to my contacts on the PNC website and to the email account of the XXXX branch manager as far as I am aware. XXXX XXXX did not provide a written response to my XX/XX/2023 email request to cancel the dishonored check until the written response submitted to the CFPB ; instead she merely emailed a request for a telephone conversation. XXXX XXXX statement via the CFPB that the dishonored check is the subject of a stop-payment order is welcome notification. 

I ask that XXXX XXXX clarify the issues by identifying in writing and in detail the certain circumstances that authorize PNC employees to refuse transactions by providing written bank protocols that identify those circumstances. I ask that XXXX XXXX identify those certain circumstances in the written material provided to me at the time I opened the accounts by page number and by paragraph on the designated page. 

In addition, I ask that XXXX XXXX clarify and identify the specific circumstances that authorized PNC Bank employee ( XXXX ) to refuse the transaction in the case of the wrongful dishonor of my properly payable check. 

The sole transactions in my PNC Bank accounts were large or large-ish dollar amounts ( with the exception of a single $ XXXX XXXX deposit of a cashiers check drawn on XXXX  XXXX Bank ) between generally recognized U.S. financial institutions into the accounts and then out of the accounts, again solely to other generally recognized U.S. financial institutions XXXX These large-dollar-amount transactions constituted NORMAL, USUAL AND CUSTOMARY account activity for me in my accounts at PNC. There were no other transactions. All transactions ( with the single $ XXXX deposit of a cashiers check exception distinguished above ) including the wrongfully dishonored properly payable check share identical attributes : large-dollar-amounts drawn-on and payable-to generally-recognized legitimate U.S. financial institutions. 

It appears XXXX XXXX and/or other PNC employees may not understand the test for normal transactions. I ask that XXXX XXXX provide copies of written instructions, policies and protocols for judging whether a specific transaction is normal for the specified customer in that customers accounts at PNC Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13
Company: Capital Accounts, LLC
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: Reporting company used your report improperly

Complaint:
Capital Accounts have been reporting to consumer reports regarding an alleged debt of {$21000.00} without written or oral consent. This is unfair and unjust. I dont owe this debt and this debt isnt valid. Pursuant to 15 usc 1692g ( c ) Admission of liability The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. 15 usc 1692c I have sent cease and desist letter as well as a debt validation letter and this company has not complied with my requests, Pursuant to 15 usc 1692 ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ;

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: Rodenburg LLP
State: WY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I had a judgement against me, but I was never served. I was never given the opportunity to plead my case. I offered to make payments and my offer was declined. They're now threatening to make me pay {$130.00} a month or garnish my wages. I am self- employed and I'm homeless. They can not garnish my wages, but I'm afraid since they've already broken the law by allowing a judgment against me even though I was never served Im afraid they'll just garnish my wages anyway. What do I do? I don't have any of the paperwork because I was never served. I don't know who to contact?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Navient 's loan terms and conditions are unfair, usurious, and deceptive. They do not provide refinance, consolidation, or fixed rates to accommodate faster repayment of student loans. I am the co-signer on my spouse 's private student loans. 
1-They have reported a collection on our credit when no communication was ever sent until the collection company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX. XXXX reached out. The balance was paid immediately in full and they refused to remove the collection from the credit report. 
2- We have other XXXX loans with Navient from XXXX XXXXXXXX XXXX and all are set up to be paid automatically from our bank accounts. We have been paying Navient for the last 9 years or more. 
Currently paying {$530.00} at 14.50 % variable rate where {$480.00} is applied to interest and {$43.00} to principal. The other payment paid automatically is for {$1100.00} where {$1100.00} is applied to interest and only {$61.00} to principal. 
The repayment of these loans would end in XXXX way beyond our retirement age. 
The loan payments that are eaten up by the high interest applied with little to the principal don't align with other student loans taken from other companies. We have managed to pay off a XXXX loan and nearing the end of XXXX XXXX student loan as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I am not sure however, I believe that this company ( Convergent-XXXX ) is working in conjunction with another company ( XXXX XXXX XXXX ) to run a scam. This debt is not mine, no proof is given that this debt is mine and I have been receiving threatening and harassing phone calls at work and home. They refuse to identify the debt and what it concerns and are using tactics that are illegal. I am filing complaints with the Federal Trade Commission and the State Attorney General 's offices in California and Georgia

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 2021-01-14
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a company called phoenix financial services on my credit report. This is saying its from a hospital bill. I do not owe this and was not ever informed about this bill. I have contested this but still shows on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: Experian Information Solutions Inc.
State: VA
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 is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX Balance Owed : {$1200.00} XXXX XXXXXXXX Balance Owed : {$1600.00} XXXX XXXXXXXX Balance Owed : {$5800.00} XXXX  XXXX Balance Owed : {$2600.00} XXXX XXXX Balance Owed : {$2400.00} XXXX XXXXXXXX Balance Owed : {$1900.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}

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 2023-10-07
Company: EQUIFAX, INC.
State: TN
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:
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 : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items 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. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-07
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: Information belongs to someone else

Complaint:
I am writing to delete the following information off my file. The items that I need are listed in the report. I am a Victim of identity theft and did not give any person permission to use my information and did not make the charges. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit, I.D., & Proof of Address. Please delete them as a soon as possible.

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