BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-20
Company: Persolve, LLC - Legal - Series 2
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am hounded by Persolve legal debt collector agency XXXX. It's driving me up the XXXX wall. I do NOT have any outstanding debts and need these robocalls to STOP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12
Company: American Coradius International LLC
State: NY
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Letter dated XX/XX/2020 states I have a debt to XXXX, XXXX sent to American Coradius International, LLC to collect. I logged into the site provided with the ACI reference number and the last four of my SS #. It won't log me in. This debt is caused mostly likely from someone who knew my name, address and my email and opened a fraudulent XXXX account. I should not be responsible for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

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 2022-05-31
Company: Experian Information Solutions Inc.
State: VA
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:
Despite multiple written requests, the unverified account listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/2022, but no answer was received. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
XXXX XXXX Balance : {$19000.00}

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 2022-12-03
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: Their investigation did not fix an error on your report

Complaint:
Equifax is reporting XXXX late payments on XXXX of my accounts XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. Pursuant to 15 U.S Code 6802 States that a financial institution may not directly or through any affiliate disclose to a nonaffiliated third party any personal information. Equifax is the third party and is in direct violation of this code. This type of reporting is also violating my right to privacy. Privacy Act 1974, Equifax never disclosed to me that I could opt out but assumed I opt in to this negative reporting, THAT IS INFACT IDENTITY THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: National Credit Systems,Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I want to dispute this debt because this debt is wrong. The Assistant Community Director reached out to me via email and said, Ok since it was no notice given, you will be charged a for rent in XXXX plus a retlet fee of {$800.00} and an early termination fee of {$940.00}. Also, a trash out fee of {$150.00} since it was furniture left in unit. I will send your final account statement shorlty. Thank you. She never sent me a final account statement for me to make a payment or reached back out to me. Today, I just received a letter from XXXX stating I owe Residence at XXXX XXXX XXXX {$2900.00} which doesnt add up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: ENCORE CAPITAL GROUP INC.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a letter from midland credit management threaten to sue me over an alleged debt and I don't have a contract with them and I have never did business with this company at all. I have disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that they are reporting the account accurately? What is the name of the person in their company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally reporting alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. This agency is in violation of 15 U.S.C. 1692G. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this Debt. I do not validate this debt. Therefore, the following account must be deleted from my report. I do not consent to e-Oscar or any means of automated verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 XXXX Account # XXXX, Company name XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Account Number XXXX XXXX XXXX XXXX XXXX, Account Number XXXX XXXX XXXX XXXX XXXX, Account Number XXXX XXXX XXXX XXXX, Account Number XXXX XXXX XXXX XXXX, Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX, Account Number XXXX XXXX XXXX XXXX, Account Number XXXX XXXX XXXX XXXX, Account Number XXXX XXXX XXXX  XXXX, Account Number XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX Inquired XX/XX/XXXX XXXX XXXX Inquired XX/XX/XXXX XXXX Inquired XX/XX/XXXX XXXX XXXX Inquired XX/XX/XXXX XXXXXXXX XXXX Inquired XX/XX/XXXX XXXX Inquired XX/XX/XXXX XXXX Inquired XX/XX/XXXX XXXX XXXX Inquired XX/XX/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

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 2019-04-01
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
I have been trying for two years to get one document from Citizens Bank, a discharge notice on a home equity loan. It was originally taken out XX/XX/XXXX at the XXXX XXXX XXXX  office of Citizens Bank XXXX, with a credit limit of {$50000.00} and filed with the XXXX XXXX ( XXXX  ) Registry of Deeds on XX/XX/XXXX as Book XXXX pages XXXX. I need the document so I can declare the land is free from liens before we grant a neighbor an easement on part of our land. I began nearly two years ago trying to obtain this document from Citizens Bank ( which is supposed to be filed with XXXX XXXX XXXX XXXX, XXXX XXXX, because the property is in XXXX XXXX  ). I first went to the XXXX XXXX office where I was told they don't handle that work in the branch office, but she gave me detailed instructions how to file the request by fax. I did, but waited several months without hearing from anyone. I then went to the XXXX XXXX office of Citizens,  located in a XXXX XXXX XXXX supermarket. The took my information and told me not to worry, I would get it in the mail in 10 days or so. I didn't. I went back a few weeks later and spoke to another person, who went to so far as to call the office where they handled these documents. Again, she said, it would about 10 days and she would call me then. But she didn't call. I tried to reach her using the business card she gave me, but the phone number was not answered and attempts to e-mail her were unsuccessful.. 
I'm not sure when the XX/XX/XXXX home equity loan was paid off, but the XXXX XXXX XXXX XXXX shows a subsequent home equity loan for {$77000.00} from XXXX XXXX  on XX/XX/XXXX, so I assume it was around that date. 
Please help. 
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX h XXXX c XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 Transunion 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 account listed below is still reporting on my Credit Reports and need to CORRECT immediately : XXXX XXXXE 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 non-monetary relief
Consumer complaint received 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2023-12-22
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received a XXXX card from my father with a check for {$2000.00} in it, the same thing he sends every year. I used the mobile banking app on XX/XX/23 to deposit it in my Suntrust ( Truist ) checking account which I have had for at least 30 years with no history of any issues. Almost immediately after submitting the deposit, I received an email informing me that Truist put a 14 day hold on it. The email indicated that the hold was placed because of " confidential '' information indicating that the check would be returned. I contacted Truist customer service who informed me that they couldn't do anything and that only a branch manager could remove the hold and that I should go to my nearest branch. I drove an hour to my nearest branch and they said they couldn't do anything. I called customer service who repeated that they couldn't do anything and only a branch manager could remove the hold. The next morning I received another email from Truist indicating that a 14 day hold was actually put on the deposit because there was contradictory information on the check. I again took the check to the closest branch ( XXXX, NC ) who looked at the check and took down the information. They said there was nothing wrong with the check but they couldn't do anything because I didn't make the deposit there. I again called Truist customer service who said they couldn't do anything. So here I sit with my XXXX money confiscated by Truist for 2 weeks for no good reason, no way to appeal or reverse the decision, and not one person in this Company who appears to care. Truist gave 2 different but unrelated reasons for the hold. That alone should be enough to call the hold into question. Additionally, you get no warning before submitting the deposit that they are going to seize it and once you do, it is too late. You are at their mercy. Either there algorithms are faulty or they are intentionally holding people 's money to make money for themselves. Either way, there should be process to review and override these actions. As it is I will be story telling for years about how Truist stole my XXXX money. I've already closed one account on XX/XX/23 as a result of their actions. I'll closed the other one just as soon as they release my {$2000.00}. That you. 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 2023-11-02
Company: Experian Information Solutions Inc.
State: MI
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:
They are continuing to report fraudulent information on my credit report even after being notified. I have freezed my account and there has been access to my report after applying a freeze

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 2023-08-29
Company: Jon Barry and Associates, Inc.
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Keep calling with an automated system, but no way to actually talk to someone to tell them that they have the wrong number, since I have no idea who they are trying to reach or why.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: Paypal Holdings, Inc
State: IA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I received a payment of {$2500.00} from an insurance company through Venmo on XX/XX/XXXX. My account was frozen the same day but I never received an email to notify me and I had to contact support to find out. I was told to wait 6-7 business days for their team to review. I sent my identification as requested by venmo chat support the next day. I reached out again on the XXXX because I still had not heard from venmo about the case and was told by chat support that it would be reviewed between the XXXX and the XXXX. I contacted support again on the XXXX because I still had not received any emails and I was told it would now up to 3 weeks to review. I haven't received any of the emails I should have regarding the situation and have had to go through support every step of the way. Venmo won't tell me why my account has been frozen or guarantee that I will be able to access the money after the period of time they are asking me to wait.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-07
Company: SLM CORPORATION
State: CA
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:
currently the interest is too high on my loan and the more i pay it seems the money will not go down and i am very overwhelmed by it. i currently do not have dates bu the interest rates from XXXX % on both privates loans i have.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: Experian Information Solutions Inc.
State: NY
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:
Account # XXXX XXXX XXXX is not my account and needs to be removed from my consumer report. I have enclosed my info to view. Also inquiry XXXX XXXX is not mine and needs to be deleted from my consumer report.

Law 15 U.S.C. 1681 602 A states I have a right to privacy. Law 15 USC 1681 604 A SECTION 2 : also states a consumer reporting agency can not furnish a account without my written instructions These companies are in violation of Law 15 U.S.C. 1681 602 A & Law 15 USC 1681 604 A section 2 and need to delete these accounts 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 non-monetary relief
Consumer complaint received 2020-11-29
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:
XXXX 's account is identity theft. I have sent FTC reports to XXXX, they still will not remove the XXXX/XXXX account. XXXX  is playing dirty games ....

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 2019-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I'm disputing the following accounts due to my identity being compromised and misused to open accounts inwhich I did not authorize nor have any knowledge of. I recently demanding that the reporting credit agencies delete, block, and/ or remove these accounts immediately or submit to me certified physical contractual documentation to support their findings and rights in reporting such accounts .As an consumer protected by the rights of the FCRA and the FTC, I'm asking for my true credit report without these unauthorized accounts and inquires. I'm demanding the following accounts be removed immediately.. ( 1 ) XXXX XXXX XXXX XXXX {$0.00}, ( 2 ) XXXX  XXXX XXXX {$5600.00}, ( 3 ) XXXX XXXX {$2800.00}, ( 4 ) XXXX XXXX XXXX {$1700.00}, ( 5 ) XXXX  XXXX XXXX {$0.00}, ( 6 ) XXXX XXXX XXXX {$130.00}, ( 7 ) XXXX XXXX {$960.00}, ( 8 ) XXXX   {$690.00}, ( 9 ) XXXX XXXXXXXX XXXX ( {$680.00} ) ( 10 ) XXXX XXXX XXXX {$140.00}, ( 11 ) XXXX {$72.00}, ( 12 ) XXXX XXXX XXXX  {$71.00}, ( 13 ) XXXX XXXX {$680.00}

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