BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-29
Company: Sa-Vit Enterprises, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I pulled a copy of my credit report and notice this company reporting derogatory information about me, I reach out twice before contacting the CFPB requesting verification of the alleged debt, including, ( 1 ) the name and address of the original creditor, ( 2 ) copy of the oral or written request or application for the alleged credit card account, ( 3 ) copy of a signed contract or signed agreement with the alleged original creditor, and ( 4 ) previous 12 months of statements of account. To date they have not responded.

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 2022-06-20
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Credit Control Corporation purchased my debt from XXXX XXXX XXXX for {$2700.00}. Credit Control corporation additionally placed a collection on my consumer report without permissible purpose or consent. Credit Control Corporation also obtained my medical records and social security number without my consent or permission. Credit Control Corporation continues to harass my self, friends, and family members weekly via phone calls. 

Credit Control Corporation is in violation of the following Federal Laws : 15 USC 1681 - Right to Privacy 15 USC 1681d - Disclosure of Investigative Consumer Report 15 USC 1692 - Any Debt collector Shall not state that an Consumer owes any debt EACH VIOLATION IS {$1000.00}

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-11
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
my information was exposed in the equifax data breach, its has gotten in the wrong person hand..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: EQUIFAX, INC.
State: PA
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:
To whom it may concern ; I recently received a copy of my XXXX Equifax and XXXX credit report, and I noticed some late payments posted on my credit report. 
US DEPT OF ED XXXX US DEPT OF ED XXXX US DEPT OF ED XXXX US DEPT OF ED XXXX Your company is in clear violation of the law. Under 15 USC 1681b-permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to who it relates. 

Did I give your written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer report clearly states : ( 2 ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 
Failure to respond satisfactorily with deletion of the above referenced accounts, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 US 1692g violations. 
4, .Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliaces-616. Civil liability for willful noncompliance 15 USC 1681n. 
Attached is my drivers license. A utility bill is not attached I am currently XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Complaint XXXX was filed with the CPFB. CFPB closed the complaint because truist bank claimed the person on the complaint is not authorized to access the account. however, truist bank is well aware that the person filing the complaint has power of attorney from the account holder and in fact is authorized to access the account. What's more, truist bank required that the person making the complaint speak on the phone and give authorization to discuss the account. 

What is happening when truist bank requires that a person give authorization to discuss an account, but later - after that person files a complaint- says the same person is not authorized to access that account?

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 2022-03-28
Company: WELLS FARGO & COMPANY
State: CA
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:
Between XX/XX/XXXX and XX/XX/XXXX, Wells Fargo charged me thirty one ( 31 ) overdraft fees, each costing {$35.00}. All of these were for transactions involving a debit card. There were no checks ever written against the account. 

I spoke with Wells Fargo multiple times about this, manually changing my account settings so that instead of paying a charge, the transaction was instead declined. During the Covid outbreak, if something like this happened, I would call Wells Fargo and they would reverse it. Moreover, they would decline charges made by the debit card when enough funds were not in the account. This " flexibility '' on their part was because they were obligated to do so due to the pandemic. However, the moment they were no longer obligated to offer compassionate fee waivers, my account settings reverted back to giving the bank " discretion whether to pay a charge when sufficient funds were not available ''. I never asked them to change the settings to pay transactions that would result in an overdraft charge. In 18 of the 31 transactions, the underlying charge was less than {$20.00}, and in 6 cases, the charge was for less than {$10.00}. Essentially, charging me a 300 % overdraft fee. When I contacted them recently, explaining that I had been XXXX  with a XXXX XXXX, and informing them that I had XXXX XXXX on XX/XX/XXXX to remove the XXXX, I was treated as if I was telling them a lie and the rep was incredibly rude to me. 

I explained to the rep that I was under strict orders from my doctor to avoid any stressful interactions at all costs, because it would likely trigger a XXXX. Even after explaining this detail, the Wells Fargo rep responded with something extremely rude and then stated " we can not waive any more fees, perhaps you should get a job ''. I can not believe someone would say something like this after learning I was recovering from XXXX XXXX and as a result I was on XXXX leave until XX/XX/XXXX. I literally ended the call with my hands and body shaking and practically in tears.

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 2023-08-09
Company: FIRST ADVANTAGE CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Failed background check due to 1 point on driving record, which caused employer to rescind their job offer. The infraction in question had been settled months prior.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: U.S. BANCORP
State: NC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I have a HELCO with US Bank. We had a Covid-19 hardship. My husband had to switch jobs last year, due to a lack of work and a decline in pay. He found a new job and took a $ XXXX pay cut. During that time I contacted both US Bank and our first mortgagee ; both allowed us to stop making payments and advised that there would be programs to assist us after the fact. 

I contacted our first mortgagee, explained that we were in a good position to resume payments, and completed the modification process with no hassle. It was remarkably easy to contact them, get into the program and complete the modification. We have been making payments as scheduled. 

For the past several months I have tried, most unsuccessfully, to do the same thing with US Bank. Each time I call it's " not the right department '' ; after an hour on the line, I'm passed to no less than 5 people and ultimately, the call is disconnected. I have a family and a job and other volunteer positions. I do not have the time to spend countless hours calling US Bank in a fruitless search for the " right department ''. I've tried to ask for supervisors, the correct dept. and always get a phone number of where I'm being transferred. 

I have called the following numbers on these dates : XXXX : XX/XX/XXXX ( I called twice ), XX/XX/XXXX & XX/XX/XXXX ( I called 5 times ) XXXX : XX/XX/XXXX ( I called twice ) XXXX : XX/XX/XXXX & XX/XX/XXXX XXXX : XX/XX/XXXX ( I called twice ) & XX/XX/XXXX ( I called 5 times ) XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX On my last attempt to call, I was given an email address ( XXXX ) to send my request and was told that I'd get a response in 2 days. I sent an email on XX/XX/XXXX ( 13 days ago ) and have received no word back. 

I have received a letter dated XX/XX/29 regarding foreclosure action, and I'm very angry. I just want to have my HELOC modified so that I can make affordable payments. 

Thanks.

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 2022-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-03-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Reached out to bank of America regarding unauthorized transactions in the amounts below and they denied my claim. 

XXXX XXXX : {$2000.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$80.00} XXXX XXXX XXXX : {$820.00} 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 2022-11-11
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I have had a credit card ( XXXX XXXX XXXX Account ) that was associated with XXXX  XXXX XXXX. The card was apparently sold to Comenity ( according to email I received ). I never received the replacement card and I saw my credit score drop by over 70 points. I eventually got a credit card statement from Comenity ( with a positive balance of ~ {$100.00} ), which included a phone number to call. I called them three times to tell them that I never received the credit card. On the third call, I told them that the card must be lost in the mail and that they should issue a replacement and XXXX  it to me. Comenity agreed and told me I would get the replacement in 3-5 days. Well, it did not arrive in that time period, so I called the company again today about the missing card, and they once again said to just wait for it to arrive. 

I never wanted to business with this company, and I certainly did not agree to a new credit card ( as I did not want my credit score to go down ). 

I want to cancel this card entirely now, but I don't want my credit score dinged again. 

What are my options?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-11
Company: EQUIFAX, INC.
State: NC
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 of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24
Company: Flagstar Bank, N.A.
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I am trying to sell my property in short sale and prevent foreclosure, but it does not appear who is the holder of the HELOC. 
After reviewing my documents, I called the lender that originated the HELOC, Flagstar, and told us that it was transferred to XXXX XXXX XXXX XXXX on XX/XX/XXXX. 
The lawyer who is working the short sale, checked the public records to find the recorded assignment, but couldn't find it They called XXXX and they couldn't find the HELOC with my social security, then the lawyer contracted XXXX and Flagstar has given them the XXXX account number. 
I called XXXX on Friday XX/XX/XXXX, but they no longer have loan information. XXXX representative suggest that I check XXXX. No information found it. 
Please help 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 2023-08-08
Company: Experian Information Solutions 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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-04-24
Company: SYNCHRONY FINANCIAL
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I usually check my XXXX XXXX to look at my credit. So two days ago XXXX XXXX I seen my score go from XXXX to XXXX and three unknown hard inquiries that Im reporting right now. But I have no knowledge of any of these inquirers.

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 2021-04-24
Company: JPMORGAN CHASE & CO.
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:
I had a fraudulent charge of {$370.00} to my credit card on XX/XX/2020. I told my bank that it was fraudulent and that someone probably stole my card information and they just completely ignored everything I was saying to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In disdain of multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, Section 605b, within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. With this, I am asking for you immediate assistance to remove the items that result from alleged Identity Theft. These are the following fraudulent items : XXXXXXXX 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 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 2021-12-21
Company: Experian Information Solutions Inc.
State: TN
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:
After receiving my credit report I found several late payments that I would like to get removed

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 2023-04-27
Company: Direct Cash LLC
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hello, I have a loan with Direct Cash, LLC. I began working with a settlement company in XXXX and I revoked ach authorization. I called them and they asked for it in an email in written form. I provided them an email stating this on XX/XX/XXXX. However, I just saw that my account was charged on XX/XX/XXXX and XXXX despite revoking their authorization to charge my account.

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