BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-09
Company: Diversified Adjustment Service, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Diversified Adjustments Re : XXXX Thank you for taking the time to review the complaint regarding the publishing of harmful data on the credit profile. 
Multiple attempts have been made to request a series of questions regarding this information. 
I have previously demanded that your company validates the above-listed item. You have failed to do so. Please take notice that your inaction is detrimental to me and is in violation of various laws, including, but not limited to, the Consumer Credit Protection Act ( CCPA ), the Fair Credit Reporting Act ( FCRA ), and the Fair Debt Collection Practices Act ( FDCPA ). 

As you know, your firm knew or should have known that the actions taken against me and the information collected about me were inappropriate and damaging to me. Your inaction makes it apparent that you have failed to use reasonable care regarding this matter. You have failed to use even minimal procedures to ensure that I was not harmed by your dissemination of inaccurate information or which can not be validated. Specifically, you have communicated and are continuing to share incorrect and defamatory information to third parties, including, but not limited to, XXXX, XXXX, and XXXX 

As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. Please accept this letter as my demand for the immediate and complete removal of this tradeline from my credit reports ( XXXX, XXXX, and XXXX ). As I am currently attempting to apply for credit, time is of the essence. Be advised that if this matter is not resolved in 30 days, I will take any necessary steps to protect my rights, including, but not limited to, the commencement of legal action. 

Thank you in advance for your immediate attention to this matter.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I in GOOD FAITH signed up for a checking account & Credit Card from " Trust Bank '' to comply with the terms of a XXXX Dollar promotion. The promotion was for XXXXXXXX XXXX if an Checking account was opened, a Credit Card successfully opened and Direct Deposits of at least XXXX XXXX deposited into the account in 90 days. I am retired & on a Fixed Income, I have a pension of XXXX which XXXX deposited on the XXXX of Each Month. After meeting ALL Criteria Truist Bank which earned XXXX XXXXXXXX XXXX last quarter informed me that 1 of my last six months deposits SOMEHOW?? reached their bank on the XXXX  of the month thereby invalidating my claim to the stated Bonus?? I think anyone would agree this is NOT operating in Good Faith with the public. I pray you can assist me in this matter.

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 2023-03-07
Company: TransferWise Ltd
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Our business uses Wise to pay our overseas vendors. I had found their service to be generally effective and reliable. After conducting an internal audit, I discovered that a refund from Wise back in XX/XX/ of {$1800.00} had not been deposited into our bank account. 

I contacted Wise regarding this issue, and they informed me that the transfer had been completed. I then asked for the trace ID for the transaction so that the transaction could be verified through the banking system. They again informed me that the transaction was completed and that they could not supply me with the trace ID for the transaction. 

I informed Wise that the receiving bank may have not received these funds and that I will need the trace ID number for this transaction in order for the receiving bank to fully investigate why these funds were not transferred to the receiving account. Wise again told me that they could not supply me with the trace ID for the transaction. 

Wise then asked for a statement from the receiving bank showing that the funds had not been deposited. I supplied this to them. 

After a week and no response from Wise I contacted them again. I received no explanation why the transferred funds were not deposited in my account. I received no trace ID from Wise for this transfer. I received no refund from Wise for the missing {$1800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I reviewed my Consumer Reports and noticed that I had charged-off accounts. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for these accounts that resulted in charged-off : XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance XXXX {$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 explanation
Consumer complaint received 2017-12-06
Company: Lendmark Financial Services
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
This is the 2nd complaint for Lendmark Financial located at XXXX XXXX XXXX, XXXX, MD XXXX. This company call me daily and leave messages to call them or else. Now they are calling references ( family members ) telling them about this loan. My sister notified me of the phone call yesterday ( XX/X/2017 ) and she now has blocked them from contacting her as well. I pay this account every month and they still call harassing me for payment even if the account is late one day. They also ask me to make post dated payments, which I refuse to do. Every since I wrote the first complaint about their collection practices, the calls of harassment worsened with intimidation to scare me into making a payment. They call from anonymous phone numbers ( someone name XXXX called from XXXX - I have the recording ). This loan is completed and at the end of the term ( they even sent a letter stating this ), they are harrassing me for interest they tacked onto the loan, fees or extra charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XXXX my XXXX XXXXXXXX checking account issued electronic payment of {$13000.00} to American Express by mistake. The payment was supposed to go to XXXX XXXX. For over XXXX weeks I have been calling XXXX, XXXX and XXXX XXXX. 

American Express say they see my money but cant release it because its under XXXX old account and that I should call XXXX XXXX XXXX XXXX say they have nothing to do with XXXX  system and that I need to pay them their money XXXX  XXXX sent me a proof of payment to XXXX  and say nothing they can do

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-24
Company: Experian Information Solutions Inc.
State: IL
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:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, please correct the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion : XXXX XXXXXXXX XXXX XXXX Balance : {$27000.00} ; XXXX XXXX XXXX Balance : {$340.00} ; XXXX XXXXXXXX XXXX XXXX Balance : {$27000.00}.

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 explanation
Consumer complaint received 2023-12-01
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I moved and as a result had to change my internet providers. I was paying on my balance of XXXX every XXXX weeks through the XXXX app. I paid off my last XXXX balance on or around the XXXX of XXXX. On or about the XXXX of XXXX I am notified that a collection account for this provider was added to my credit report. I disputed it with XXXX of the credit bureaus and neither of them removed this information even though it is incorrect. The only thing that was done was update the status to paid but the information was incorrect from the beginning so how was XXXX allowed to put this on my credit report in the first place? It never should have been sent to collections if I was making good faith payments and it certainly shouldnt have been placed on my report AFTER the debt was paid in full!

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 2023-02-25
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
XXXX has several accounts from XXXXDept. of Education that are inaccurate on my credit report. Two accounts from XX/XX/XXXX and XX/XX/XXXX are well over 7 years old and the last payments made on these accounts were on XX/XX/XXXX. Activity on these accounts were more than 7 years old. 
Two additional accounts from XXXXDept. of Education were opened on XX/XX/XXXX. I never made a payment on these accounts. They are over 7 years old. 

XXXX and Experian have 2 accounts from US Dept. of Education that were originally transferred from XXXXDept. of Education. They changed the open date from XX/XX/XXXX to XX/XX/XXXX. The new open date is wrong. And they show timely payments for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. These are wrong. I never made a payment on these accounts. They are over 7 years old. 

XXXX and Experian have the wrong last name on my credit reports. I want them deleted. 
XXXX has several wrong phone numbers on my credit report. I want all of those numbers deleted. I don't want a telephone number on my credit report. 
XXXX and Experian have an inquiry on my credit report that I did not authorize. I want them deleted.

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 2023-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
My name is XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC 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. Please delete the account below from my report : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$29000.00}

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 2023-01-21
Company: CURO Intermediate Holdings
State: MS
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:
I am aware that my SSN belongs to the ( XXXX XXXX Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you ( FIRST HERITAGE CREDIT ) is attempting to collect a debt from I, the consumer makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. 

FIRST HERITAGE CREDITis also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT to you ( FIRST HERITAGE CREDIT ) furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. 

This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by FIRST HERITAGE CREDIT for the account opened XX/XX/2016 with account number XXXX. 

Failure to remove account in 15 days from my consumer report as requested will result in legal matters being taken and me turning you ( FIRST HERITAGE CREDIT ) into the FTC Federal Trade Commission for aggravated identity theft and Fraud. 

If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting 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:
My credit report is missing this account from each credit reporting bureau. I request that the account be reinserted immediately, Experian : XXXX XXXX XXXX XXXX. 
Open Date : XXXX. XXXX, XXXX Account # : XXXX Original Balance : XXXX Updated Balance : XXXX XXXX : XXXX XXXX XXXX XXXX. 
Open Date : XXXX. XXXX, XXXX Account # : XXXX Original Balance : XXXX  Updated Balance : XXXX XXXX  XXXX XXXX XXXX XXXX Account # XXXX Original Balance : XXXX Status : Paid/closed ( XX/XX/XXXX ) XXXX : XXXX XXXX XXXX XXXX. 
Open Date : XXXX. XXXX, XXXX Account # : XXXX Original Balance : XXXX Updated Balance : 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 2022-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
In XX/XX/XXXX & XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX is in violation of the following Federally Protected Consumer Rights : 15 usc 1692 ( g ) XXXX XXXX bank did have my written instruction to furnish my credit report. Please produce a contract that says i granted you permission to furnish report Compliance procedures- 15 U.S. Code 1681e ( b ) Reasonable Procedure- 15 U.S.C 1681 ( b ) Billing Errors-15 U.S.C 1666 ( b ) 15 U.S. Code 1681i ( 5 ) ( A ) ( XXXX ) Removal of Inaccurate/invalidated Credit Information.You are reporting questionable, inaccurate incomplete and outdated credit information on my consumer report. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Per 15 USC 1681 ( a ) ( 4 ) & 15 USC 1681 ( b ) as a Federally Protected Consumer ; I am entitled to a right to accuracy & privacy of my Consumer Profile and the information contents within. Recently I did an investigation on my credit report which caused severe XXXX and stress when I found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. 
Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2021-02-09
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
First off I would like to start with the fact I am a XXXX Veteran working in XXXX as a XXXX  XXXX during these trying times. This all started about 2 1/2 years ago. I filed for a loan modification about 4 times and I was denied all 4 times. I then hired a law firm to help me get this problem handled. It took the lawyer 14-18 months to get it approved XXXX XXXX was dragging their feet so that my income would change just a small amount so they can make us start over. Now that it was approved I was in my 3 month trial period, my last month XX/XX/XXXX I was XXXX short on my payment. This was a complete typo due to me working more than 14 days in a row 12-20 hours a day in 2 hospitals here in XXXX California During the Covid surge. Not a single phone call was made not a single email or even a letter mailed to me. The first time I contacted them when I found out I made a mistake to correct it I was told someone called an XXXX number and tried to leave a message. This number was for my lawyer, and I guess there was a form done so the mortgage company was not allowed to contact me at all. If there was a no contact cease and assist filed why was there a message left on my lawyers phone yet I am asked every time if that is my work phone. I paid the XXXX I was short as soon as they allowed me to that alone happened XX/XX/XXXX. I talked to a manager XXXX trying to get this issue resolved and I was told there was no reason to worry he would get in touch with the person handling the modification and get it fixed then call me himself the next day. No call was ever made! I called everyday since XXXX even on the weekends trying to fix this problem all while I was at work trying to keep XXXX XXXX XXXX. I then talked to a Team Lead by the name of XXXX, who once again told me there is no reason to worry and she sent an email to the person working on my case and she would handle the problem. She took my XXXX payment at that time. This was the first time someone allowed me to make a payment. I called today XX/XX/XXXX to figure out what is going on because once again no return call was made to me I was told I have to completely restart the modification process again and there is nothing that they WILL do to help me. I have had nothing but problems with this company and although I will admit it is not their fault I had problems paying my bill, it is their fault they are refusing to help me in any way shape or form. XXXX dollars mightXXXX just cost me my home. This company has targeted me since the first time I made a late payment, This company is against the veterans they promise to serve. In the end I just want to make my house payment. I don't want to live in fear at all for my home anymore! this company is doing everything they can to get my home from 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 2022-08-12
Company: EQUIFAX, INC.
State: GA
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update and corrected immediately : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$50000.00} XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX Balance : {$4400.00}

Company response to consumer: Closed with explanation