BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-03
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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. Thank you. 
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 2021-02-11
Company: Clark County Collection Service
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I discovered a collection account while checking my credit report. The account was one I had no clue of and they never sent me a letter notifying me of the account, my right to dispute and a time limit to do so. as such i thought my only option had been to pay on a debt I didn't owe. Upon reading 15 usc 1692 also known as fair debt collection practices act and 15 usc 1681 also known as the fair credit reporting act, I discovered my rights to defend myself and ask for validation. This company however refused by sending me a letter stating I had 30 days to dispute and ask for validation. And they also included an invoice for the account which they stated to be " courtesy verification ''. That invoice itself makes no sense because all it proves is that someone claiming to be me may have opened an account not that I used thatservice or should be liable for the alleged debt. Their claim of a 30 day limit also is void as they never sent me the notice required by the FDCPA in the first place. How can a time limit dependent on my reciept of a written communication begin if they never sent me that letter. I also requested proof of the letter and the proof of mailing if they had sent it like they claimed. The only answer I recieve from that company is a template letter and their absolute refusal to follow legal guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been experiencing issues with LVNV FUNDING LLC regarding an alleged debt ( in the amount of {$740.00} ) for some time now. I recently had to send a cease and desist letter to the company, XXXX of XXXX, pleading that they stop reporting the unverifiable information associated with this account on my consumer report. With each dispute, LVNV FUNDING LLC has disregarded my letters and disputes and has yet to provide any pertinent information stating the validation and/or methods of verification of the alleged debt. Therefore, LVNV FUNDING LLC has violated my rights under 15 USC 1692c and 15 USC 1692g.

I am left with no other choice but to involve the CFPB to help me enforce my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Failure to honor the demands within 15 days of receipt of this notice, LVNV FUNDING LLC will be held civilly and criminally liable under 15 USC 1611 and 15 USC 1692k. Additionally, I will not hesitate to enforce my rights to obtain remedy for all damages caused by this company pursuant to 15 USC 1681o. Thank you for your attention to this matter, and I hope for a swift resolution to address these violations. 
Sincerely, XXXX XXXX. XXXX XXXX : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I called back in XXXX to remove the overdraft abilities as I didn't want to pay fees. They told me it was fixed. Today it is at over {$200.00} negative and I never went over the limit nor overdrafted. They agreed to refund {$75.00} of their fees and now I keep getting more and more. They are threatening to report me to early warning if I don't magically come up with money I never had nor wanted responsibility to.

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 2023-06-20
Company: Experian Information Solutions 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 credit reporting act. The list below has Below has violated my Federal Protected consumer rights To privacy and confidentiality under 15 USC 1681 rights. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX 15.U.S.C 1681 section states i have the right to privacy. 15 U.S.C 1681 Section 604 A section 2 : states. Its also states consumer reporting agencies can not furnish account without my written instructions. 15 U.S.C 1681c [ a } [ 5 } Second states no consumer report agency may make any consumer reporting containing any of the following items of information any other adverse items of important. Any other 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 a consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate

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 2023-06-20
Company: TRUIST FINANCIAL CORPORATION
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I believe my denial is personal with Truist Bank or am being penalized for being an excellent payor. I had an auto loan with Truist in which I paid in full in XXXX. However, I could not reloan with Truist to purchase another auto with XXXX credit score and IDR {$0.00} payment student loans. Fast forward today, XX/XX/XXXX, Truist has a problem with " XXXX '' ( my record states XXXX ) credit score and student loans being forgiven. States due to {$1000.00} mortgage and student loans XXXX is 88 %. I have documentation stating student loans have been forgiven due to XXXX v. XXXX in which I provided the loan XXXX -- both are in process mode. Underwriter countered and stated credit report needs to show XXXX balance for forgiven loans and did a " song and dance '' on the XXXX in which loan was unlawfully denied. In other words, the underwriter noted the federal government 's notice that student loans have been forgiven is a misnomer and that the only legal notice is a XXXX balance on credit report which can take months to effectuate. For reference the new purchase is {$29000.00} with {$26000.00} being given as a trade-in and only {$32000.00} left on the present loan with my credit union XXXX Also, not sure future COLAS were taken into consideration. Interest rates matter in this financial climate.

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 2023-08-02
Company: CCF Intermediate Holdings LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I found a collection account that was added to both my XXXX and XXXX credit report agencies in XX/XX/2023. I filled a dispute with both credit report agencies advising them that the account did not belong to me. Both credit report agencies stated that the account was verified which I disagree. 

The debt collection agency has not sent me any proof of validation what soever either via mail or email communication. 

They have not provided verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, they have not provided a copy of the written agreement that created my original requirement to pay. 

A copy of the last billing statement sent to me by the original creditor has not been provided to me proof of validation Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Debt collection agency XXXX XXXX XXXX XXXX Original Creditor : CheckintoCash Date opened : XX/XX/2023 Original balance : {$3400.00} Balance : {$3400.00} XXXX emailed the original creditor advising them about this fraudulent account that does not belong to me. As of today they have not responded as well. I also attached a police report and the email that was sent to the original creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: Diversified Adjustment Service, Inc.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Called on XXXX to resolve a debt and I was connect with XXXX. XXXX was very aggressive, rude and disrespectful. I tried to ask a question about a settlement and she kept interrupting me and would not let me finish the question. 

I asked her not to be rude by interrupting me and she advised that she was trying to answer my question. I responded how would you know my question if I wasnt allow to finish it. She continue to talk over me and tried to end the call. I asked to speak with a supervisor. She transfer me to a voicemail. I called back 2x and got XXXX and she transferred me to a voicemail. I have not received a call back and would like to file a complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Several weeks ago called for assistance with my Paypal credit card to have the available points applied as a credit against my account. I was told that this had to be completed online. 

Today, updated my account login information and attempted to redeem points. I had two chat sessions while logged in ( see attachments ) attempting to complete this process online. We were unsuccessful. The instructions by the second chat agent makes sense ; however, the field called " redeem '' is not available. When I requested HOW to do this since the redeem option is not there, she disconnected the chat. 

I then proceeded to have four conversations with " customer service '' associates where were unable to help. The last of these conversations I believe was a Synchony Bank Agent. They referred to the " redeem '' feature again- which is not on my login screen. They were then going to transfer me for the fifth time. At this point, it's been two hours getting the run around while attempting to accomplish something that should be easy and everyday. 

Will you please help me in getting my point applied against my accoun? My points are XXXX as shown on the attached statement. I pay a very high interest rate ( my own fault as I'm over the balance ) but Paypal not being willing to perform such a simple request seems unfair to the consumer. If they are not going to honor their committment, they should not offer them. They expect me to pay 31 % interest ; I expect them to give me my credits. 

My desire is to now cancel this card but I would like to wait until the points are applied so they don't just disappear. 

Thank you for recording this complaint. May it protect other cardholders in the future.

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 2022-04-30
Company: PNC Bank N.A.
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
We opened accounts at PNC Bank partly for their safety deposit boxes. We signed up with an agreement of a {$50.00} discount on a box that costed around {$35.00} at the time. They have since upped the price so we must pay {$22.00} for the box now. They are arguing that because they upped the price and didnt change the account benefit they are inline with the agreement. I find this to be shady and unfair business practice. It is an obvious money grab by PNC. I did not agree to pay for the safety deposit box and PNC is unjustly charging customers to increase their bottom line.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
To whom this may concern I XXXX XXXX XXXX is filing this complaint on behalf of myself anf no one else. Over the past 3 months I have disputed false and inaccurate information on my Consumer file with the 3 CRA ( Equifax, XXXX, XXXX ) in regards to late payments that they are continuing to report false and inaccurate. Each time all 3 CRA ( Equifax, XXXX, XXXX ) has responded that the information I have disputed was " verified '' as accurate but each time all 3 CRA ( Equifax, XXXX, XXXX ) have reported different information in regards to these accounts. Not only has the false reporting cause severe damage to my ability to obtain credit but it has caused my family great damage. Per 15 usc 1681a Congress clearly states that ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; I have and will be providing documents of proof that these accounts should not be reporting at all. I'm demanding that these late payments be removed or I will have no other choice then to contact my legal counsel and sue each CRA for punitive damages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20
Company: HYUNDAI CAPITAL AMERICA
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I was involved in a motor vehicle accident on XX/XX/2023, which resulted in my leased vehicle being totaled. It was the other drivers fault and they were issued tickets. I started my insurance claim that same day as soon as I was released from the hospital. On XX/XX/2023 my insurance company sent all required documentation to my lease company, Hyundai Motor Finance. It was verified by myself, my insurance, my local insurance agent, as well as my local Hyundai dealer that Hyundai Motor Finance was in receipt of the documents they needed to send my insurance company a letter of guarantee so that my insurance company can send payment to take care of the lease balance. They verified via phone as early as XX/XX/2023 that they in fact had this paperwork in their hands on XX/XX/2023. Their calls are recorded and it can be verified that myself, as well as other people trying to help me with this, were in fact told that Hyundai Motor Finance said multiple times that they were in receipt of the paperwork they needed and they would send a letter of guarantee to my insurance company which is the next step in the process. It is now XX/XX/2023, a month later, and nothing has been sent.

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 2018-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I got my 3 credit bureau report from XXXX which is a service provided by XXXX. When I got my reports on XX/XX/XXXX, my credit scores were as follows : XXXX : XXXX TransUnion : XXXX XXXX : XXXX Later on today XX/XX/XXXX when I obtained my 3 credit bureau report, it showed that my score has dropped significantly, as follows : XXXX : XXXX TransUnion : XXXX XXXX : XXXX There has been no changes to my report between XX/XX/XXXX and XX/XX/XXXX. No inquiries, no new debt, no new accounts, no missed payments etc. So I do not understand what caused this massive score drop. I tried to contact the credit bureaus via phone but they couldn't explain what caused the score drop even when there were no changes to my report and said that they can only file disputes. Since they were not able to provide me with a reason for the score drop, I don't understand what information I needed to dispute. 

The only reason I can think of is that, I disputed a XXXX account with all 3 credit bureaus. Probably, my dispute, changed the charge-off date to show that it happened recently. Probably in the eyes of XXXX it shows that the charge-off just happened and my scores dropped. Apart from this, there is no other reason for such a huge score-drop. If this is the reason, this is a violation of protocol where the bureaus need to report accurate information. They can not change the charge-off date to recent when it had happened over 2 years ago. As mentioned on CFPB website, filing a dispute does not renew the debt neither does it change the date. If it does, this is a huge step back for consumers who wants to file a dispute. I have attached my credit reports from XX/XX/XXXX and XX/XX/XXXX,  which shows all my account details as well as my credit scores. 

If filing a dispute results in a score drop, US citizens are not safe. I am trying to get a home loan, but with this massive score drop, my chances of approval will be very slim and even if I get approved, the mortgage rates will be really high.

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 2023-01-07
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have been trying over and over to have JP Morgan chase to allow me access to my funds that are available as they have restricted my account. They have told me I will need to wait until the time period is up and then they will mail me a cashiers check to have my funds mailed to me which will be about XXXX days from the XXXX of XXXX. My account has a positive balance of {$2200.00} and there are no more pending transactions or negative balances on the account. Ive explained that is all the money I have and no income due to winter months and I need that money to provide for my family and feed them. Even a portion if the available funds would be helpful. I am told left and right no! Or I get different answers from everyone I talk to. Their staff can be rude and misleading.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-02
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX, Equifax and XXXX  are reporting 8 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 5th dispute letters to Equifax, XXXX XXXX XXXX since XX/XX/2020 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: Skrill USA, Inc.
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Someone hacked into my email and set up an account with " Skrill ''. Ive tried to call and chat with them several times but they are only robots and will not close the account or help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX Balance : {$550.00}

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