BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-13
Company: Professional Receivables Network
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, I requested validation of an alleged debt from Sage Capital Recovery around XX/XX/2021. I then responded back immediately, via certified mail requesting validation. 

This request was not honored. I have not received validation after 2 attempts which span over 1.5 months. This is against the law. 

In addition, the collection letter does Not bare my name which i informed them of yet they still attempt to collect... 

Furthermore, I this correspondence stated that Sage Capital Recovery now owns this alleged debt ( Once held by XXXX XXXX XXXX ) and that they will now be solely responsible for perusing it. However, XXXX XXXX XXXX continues to correspond with me illegally. 

They are adversely affecting my credit rating with this invalidated, alleged account. I informed them that they must stop reporting this account to my credit reporting bureaus while this account is in the validation stage Yet they continue to report it unlawfully. 

I wont this alleged deb/invalidated account off of my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I paid my balance in full on XX/XX/XXXX and the payment cleared my bank on XX/XX/XXXX and the funds have been sent to them but synchrony bank who services the sams club credit card has not applied the payment to my account. I called today XX/XX/XXXX and I asked to speak with a manager whom which just started making things up. She said there was still a three day hold on my payment being applied due to the large amount. I pointed out to her that I make payments that large every month. She then said it was because I made multiple payments in XXXX and I pointed out again that I have done that before with no issues.

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 2021-10-13
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
XXXX is no longer my lender for these loans they fraudulently reported my loan was delinquent which it is not. The bank committed fraud by reversing my payments after being told I was refinancing the car loan in an effort to commit fcra fraud for the loan It is under investigation by the ncua The credit bereaus were told of this and that the reporting is inaccurate and they did not correct the credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: WELLS FARGO & COMPANY
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage
Sub-issue: Changes in loan terms during or after closing

Complaint:
AS I HAVE REQUESTED several times that you provide me with proof that my loan was delinquent. i also asked for you to provide a payment schedule from the XXXX  from XXXX that was paid on my account. where did those monies go. also i asked for monthly payout after you received funds and all payments from XXXX XXXX XX/XX/XXXX. Again i was not in default of any payments because the XXXX  brought me current. prior to the first loan modification that was signed in XXXX from WF, why would i have needed another one in XXXX. Again i regain employment XX/XX/XXXX and made every payment on time prior to the partial claim XXXX i never needed a mod. WF submitted this paperwork in an attempt to scam like they have in the past. WF has a very lengthy name of scamming homeowners out of their home by not approving their loan mod. they denied my mod i know 10 times or more before they approved it back in XXXX, when the NCHFA send them monies. Here 's my questions again 1. what happen to all the monies i received form the XXXX  ( i am requesting your copy of payout ) 2. If i wasn't current what happened to all my payments from XXXX before the partial claim, where you said i was only making interest payments. all lies and 3. show myself and the CFPB proof that i was delinquent when i was making payments. 4. i would like all payment hx from XXXX showing where monies was giving on my behalf to settle my acct and bring me current. please provide proof and not just answering questions WE WANT PROOF OF YOUR CLAIM where was this money applied

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 2021-06-01
Company: WELLS FARGO & COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Since XX/XX/XXXX of XXXX my account has been withdrawn of - {$400.00}. I have never authorized them to let payments go through when there isnt any monies in the account. I have complained and I am willing to make arrangements if need be. But I have accessed overdraft fees and Im not willing to pay that.

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 2023-11-22
Company: National Credit Systems,Inc.
State: AL
Product: Debt collection
Sub-product: Rental debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XX/XX/2023, I requested that the collection company, National Credit Systems, validate a debt that is reporting on my credit report that I was unaware of. The company did not provide documentation to validate the debt and the account is still reporting on my credit report. This is a violation. The company never sent me anything about this account and still has validated the account and it is now XX/XX/2023. I am including a copy of my validation request letter to National Credit Systems and proof of tracking through certified mail that shows the company received the letter on XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: EQUIFAX, INC.
State: AZ
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: EQUIFAX, INC.
State: NC
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:
I have received a copy of my credit report and it shows company XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$1400.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
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: Account status incorrect

Complaint:
EXPERIAN, XXXX, XXXX ARE REPORTING INACCURATE INFORMATION ON MY CREDIT REPORTS. THERE SHOULD NOT BE ANY DERROGATORY OR DELINQUENT ACCOUNTS ON MY REPORTS AND THE ACCOUNTS IVE UPLOADED DOCUMENTATION OF ARE NOT MINE SO THEY NEED TO BE REMOVED IMMEDIATELY!

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 2021-11-18
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I request a {$30000.00} wire transfer from my High Yield American Express Savings account into my XXXX XXXX Brokerage account and the money did not show up. When I call American Express they tell me to call XXXX XXXX with the XXXX XXXXracking number. When I call XXXX XXXX with the tracking number they say they can not find it. I requested American Express put the {$30000.00} back into my account to avoid financial hardship on me but they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: Rocket Mortgage, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I needed to pull money out of my home to purchase a piece of commercial property. I was shopping around for the best deal I could find. Quicken Loans had financed our home and I called to inquire about refinancing it. 

I have a lot of experience applying for credit and have found it customary to confirm date of birth and social to discuss options. NEVER has this meant WITHOUT THE EXPLICITE REQUEST FROM THE FINANCIER, AND PERMISSION GRANTED FROM THE CONSUMER to do a hard credit pull inquiry. I was NOT locking in a loan but requesting some information about what is possible. It is quite common to do a soft credit pull to get an idea of what is available and then once you decide to go forward for the lender to do a hard inquiry. 

However, that is not what happened here. Without permission or asking, Quicken loans upon what I thought was verifying my identity did a hard credit inquiry to my account. 

I believe they do this to 'lock ' you in and make you feel like you can not shop around. I needed to shop around because their offer was horrible so I escalated the call to a supervisor XXXX XXXX XXXX.XXXX.XXXX. He listened to my recorded call and agreed they could have asked for permission but said my confirmation of DOB and social gave them the right to. I DO NOT AGREE nor has any other lender since I have spoken to. Nor will any consumer think this is right as it is commonplace when discussing your financial account to request this information. This is an aggressive tactic on the part of Quicken Loans to move you through their 'engineered to amaze ' sales process and to subconsciously make a consumer feel he or she can not shop around because their credit was just affected. This is totally unacceptable. Shame on Quicken loan. 

Bottom line : I asked XXXX to remove the hard inquiry and he refused to. 

I am requesting you get them to remove the hard inquiry and make it clear to them that they ARE REQUIRED BY LAW to ask for permission and that the average consumer has no idea that confirming their identity will give them rights to do a hard inquiry and affect their credit. There is nothing 'amazing ' about feeling trapped and uninformed. 

I am taken back by their behavior and hope you are too. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: AMERICAN EXPRESS COMPANY
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: Information belongs to someone else

Complaint:
My name is XXXX XXXX and all information stated below is to be accounted for as my personal statement. 
My identity and personal credit report were used without my knowledge or consent. 
The reporting of this information is in violation of the FCDPA 15 USC 1692c 805 ( b ) Which states : " Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector '' My personal credit file is displaying information that is fraudulent and I have attached the Identity theft report as required by FCRA 605B ( 15 U.S.C. 1681c-2 ), Subsection ( b ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I had a XXXX XXXX XXXX Account with Suntrust for 20 years. When Truist acquired Suntrust, the bank notified me that the terms of my Signature Advantage Checking Account would be grandfathered into Truist 's new product. 

Despite this commitment, I started seeing fees of $ XXXX, which I would not have incurred under the terms of my prior account. I called immediately and spoke to a Truist representative in XXXX, who informed me that I was correct that the prior account 's terms were grandfathered in, that she would credit the fees back to my account, and that I would not see the fees in the future. I thought I could rely on the bank 's representations, but the bank did not honor any of those commitments. 

I recently noticed that no amount had been credited back in XXXX and that the fees had continued. I called again in XXXX and even though the bank acknowledged that the prior representative gave me the wrong information and that she did not credit my account as promised, the bank nonetheless refused to credit the full amount of the fees back to my account. Truist has an arbitrary limit of only crediting back {$75.00} fees, and the representative said there was no process or person I could speak to in order to get a full refund. I'm seeking a full refund and Truist should have a process for others who have relied on the representations of the bank to their detriment.

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 2019-06-14
Company: AMERICAN EXPRESS COMPANY
State: NY
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:
XXXX XXXX XXXX C/N : *XXXX REF : XXXX Statement of Explanation On XX/XX/2019 Ive managed to order online a black jacket on XXXX XXXX website online and my AmEx Biz Plat *XXXX was charged the amount of {$700.00}. Package was delivered to my home address which is the same as my billing address on file XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NY, XXXX. However, instead of a brand-new jacket I was serviced with severely navy blue worn jacket by XXXX XXXX in a partially torn box. 

Ive immediately addressed the issue to the XXXX XXXX customer support and kindly requested to return the jacket back to the merchant facility. Representative issued and sent to my email a prepaid XXXX shipping label with a tracking number XXXX. The package has been successfully returned on XX/XX/2019 back to XXXX XXXX XXXX, IL and Ive got a confirmation email stating that the return was accepted and I should expect a refund issued back to the account within next 3-5 business days. However, the refund was never issued and Ive ended up filing a billing inquiry with AmEx. 

Turns out XXXX XXXX, without any prior update nor contact, tried to ship the package back to me with XXXX tracking XXXX, however instead of XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NY,XXXX  they tried to ship it to XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX  , NY , XXXX, which is never been associated with me. Due to that fact, package was refused and returned back to the merchant in XXXX XXXX XXXX, IL, since no one associated with this name resided at this addressed. 

Under Fair Credit Billing Act, Section 166, Im kindly asking CFPB to request American Express to issue back to my account the amount of {$700.00} and consider the matter closed, since the return was completed. Please, see attached documents. 

Kind regards, XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-28
Company: EQUIFAX, INC.
State: FL
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 numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25
Company: EQUIFAX, 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 status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXXXXXX XXXX-Balance {$0.00} XXXX XXXX XXXX-Balance {$1500.00} XXXX-XXXX****-Balance {$240.00} XXXX XXXX XXXXBalance {$62000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
Company: Santander Consumer USA Holdings Inc.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Santander Consumer USA has been subjected me to illicit and predatory practices. Upon paying off the car note, I received a final bill for undisclosed fees that I had to pay in order to receive the tile of the car. On XX/XX/XXXX I received a Notice of Intent to Repossess stating that a payment of {$2500.00} is due on XX/XX/XXXX. AFTER MAKING a paiement of {$500.00} XXXX XX/XX/XXXX. When asked what was the remaining balance, The company representative informed me that the new balance was {$3.00} XXXX. 

My payment schedule was 72 Payments. The car was purchased in XX/XX/XXXX. 

Year/ Make/Model XXXX XXXX XXXX XXXX XXXX XXXX XXXX FINANCE CHARGED XXXX AMOUNT FINANCED XXXX TOTAL OF PAYMENTS XXXX DOWN PAYMENT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25
Company: EQUIFAX, INC.
State: NY
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 am XXXX XXXX and I am submitting this complaint myself. This item is reporting late as reported in Equifax. Lets correct this immediately. Equifax is required to verify for themselves, but they failed to neither verify nor update me about this complaint. 

( XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
Company: KEYCORP
State: MS
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
After securing a loan with Keybank, I am now in the repayment process. During the repayment process, Keybank uses all avenues to conract me - email, letters and now twice-a-day phone calls. To include calls before XXXX. I have discussed payment and yet calls continue. If payment is not timely multiple calls will not make the money materialize - especially if there is simply no money. I have requested twice to be placed on the Do Not Call List, but the calls continue. 
Keybank has also resorted to deceptively placing calls from numbers listed as " Toll Free ''. They also do not leave voicemail messages identifying themselves. ( Voicemail is available. ) A schedule of their calls follows. 

XX/XX/2019 Caller ID : Toll Free Call Number : XXXX Time : XXXX XX/XX/2019 Caller ID : Toll Free Call Number : XXXX Time : XXXX XX/XX/2019 Caller ID : Toll Free Call Number : XXXX Time : XXXX XX/XX/2019 Caller ID : Toll Free Call Number : XXXX Time : XXXX XX/XX/2019 Caller ID : Toll Free Call Number : XXXX Time : XXXX XX/XX/2019 Caller ID : Toll Free Call Number : XXXX Time : XXXX XX/XX/2019 Caller ID : Toll Free Call Number : XXXX Time : XXXX XX/XX/2019 Caller ID : Toll Free Call Number : XXXX Time : XXXX

Company response to consumer: Closed with explanation