BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-29
Company: National Collection Systems, Inc.
State: NH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On XX/XX/2017, I sent a request for debt validation to National Credit Management. I received a response back dated XX/XX/2017 with insufficient information to prove that the account had been transferred to this agency AND stated that the agency would CEASE all collection activities. Subsequently, AFTER I demanded validation NCM illegally ADDED this account to my credit report as I was alerted to a new account on my credit bureau on XX/XX/2017. I submitted a compliant via CFPB where NMC agreed to CLOSE the account and return it to the original creditor. This action of CLOSING the account is insufficient as this company continues to ILLEGALLY report FALSE information on my credit report. I am demanding that all references to this account be IMMEDIATELY deleted from ALL credit reporting agencies and I be paid {$1000.00} for each reporting instance including both XXXX and XXXX for a total of {$2000.00}. I am in the process of applying for credit and this is ILLEGALLY damaging my credit rating. I am attaching a copy of my letter to NCM, the certified letter receipt, and the NCM debt validation response letter including attachments that NO WHERE state that this account has effectively been transferred to this agency for collection purposes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
The following companies ran unauthorized credit inquiry on my credit report. Please remove them asap as these are suspicious to me : 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 2023-02-11
Company: EQUIFAX, INC.
State: TX
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. 

XXXX XXXX - Acct # XXXX XXXX XXXX XXXX  - Acct # XXXX XXXX XXXX  - Acct # XXXX XXXX  - Acct # XXXX XXXX  XXXX - Acct # XXXX XXXX  - Acct # XXXX XXXX - Acct # XXXX XXXX XXXX - Acct XXXX XXXX XXXX XXXX - XXXX XXXX  - Acct # XXXX XXXX  - Acct # XXXX XXXX - Acct # XXXX XXXX XXXX Acct # XXXX XXXX  XXXX  - Acct # XXXX XXXX XXXX - Acct # XXXXXXXX XXXX XXXX- Acct # XXXX XXXX XXXX - Acct # XXXX XXXX XXXX XXXX - Acct # XXXX Original Creditor XXXX Acct XXXX XXXX XXXX XXXX  - Acct # XXXX XXXX XXXX - Acct # XXXX XXXX  - Acct # XXXX XXXX  - Acct # XXXX XXXX XXXX - Acct # XXXX, have 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 2016-03-20
Company: URS Holding, LLC
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
About 5-6 years ago, I opened a charge at XXXX XXXX since I received a XXXX % discount on a snow blower I purchased. I also received 6 months of 0 % financing. I signed up for e billing and paid the debt off according to terms. 
XX/XX/XXXX and XX/XX/XXXX, I used the XXXX credit card for the first time since that purchase to buy {$180.00} worth of flowers, pots and assorted garden items. Over the coming months I went about my business and forgot about the purchases. In XXXX, 2015 I received a call from a XXXX representative that my account was past due and a payment had n't been made since my last purchase ( in XXXX ) .. I immediately wrote and mailed a check for {$170.00} ( I had returned a bad plant for a {$2.00} credit ). 
The check which was accompanied by a letter with my account number, incorrectly was credited to my XXXX XXXX account also managed by XXXX. After calling them, the check was reapplied to my XXXX account. 
During the period XX/XX/XXXX thru XX/XX/XXXX I never received either a paper bill or e bill. I communicated this to both XXXX XXXX and XXXX reps. XXXX sent me copies of the missing XXXX bills which were in their system, but never sent to me in any form during the period they were due. 
I pride myself on promptly paying my bills on time. I am XXXX years old and have a credit rating of XXXX. This is not a " dog ate my bills '' story. I assure you I never received bills for four months in any form. My balance is now {$240.00}, ALL finance and past due charges which I refuse to pay since I paid the {$170.00} for the merchandise I purchased once XXXX contacted me. Thank you for your consideration.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE.

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 2019-12-30
Company: Social Finance, Inc.
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Confusing or misleading advertising

Complaint:
Sofi offered my husband and I a student loan refi the week of XX/XX/19 after all paperwork was completed at an APR that we verbally accepted, but it was not honored due to an employee error. We spent countless hours with them on the phone and they called us over and over again offering a much higher rate as the internal communication within the company is non existent. They wasted hours of our time over the holiday season. Sofi was completely disorganized, inefficient and cost us thousands of dollars due to their mistake. We are current customers and will be closing all accounts with this company as they do not treat consumers fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: RoundPoint Mortgage Servicing LLC
State: RI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
RoundPoint Mortgaging has continually mismanaged my escrow funds. 

After three months of calling them, they have still yet to pay my insurance premium on my condo. It was due XX/XX/2019 and as of XX/XX/2019 it is still unpaid ( the last day my insurance company has extended my payment window to ). 

Additionally, I sent, resent, and called to confirm that the received my property tax information. They missed the first tax payment date ( XX/XX/2019 ) and paid it finally XX/XX/2019. As of XX/XX/2019, they have still not made the second quarterly payment which was due XX/XX/2019. 

They are also maintaining that I will be charged a higher interest rate if I opt out of their escrow services.

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 2018-10-24
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have received two notices on XX/XX/18 stating that are debiting XXXX and XXXX from my account for an offset. I have been debited numerous times excelling over XXXX. I have previously put in a complaint about previous charges and I am still getting debited. I do not owe this bank this amount of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2019, I realized three large transactions to my account that I had no knowledge of. But I still had my debit card in my possession. 

The charges totaled {$1600.00}. They were two purchases of {$350.00} from XXXX and another online purchase of more than {$900.00}. 

I called the bank to file a fraud claim. The claim number is XXXX. I also informed them that I had rent due the next day, but they told me I would have to wait 10 days before receiving the money back. Because of such, my rent was past due. 

On XX/XX/2019, they credited my account the amount of {$1600.00} while they continued to research the claim. 

Then on XX/XX/2019, they let me know that they found that " one or more merchant credits posted to your account totaling {$350.00}. 

Because the merchant has credited your account, the previously issued credit for {$350.00} has been reversed. We now consider this dispute ( s ) resolved. '' Then, on XX/XX/2019, they informed me that they would be reversing the credited amount because " Our records show the transaction activity in question was authorized and posted correctly to your account. 

As a result, the credit for {$1300.00} that was previously applied to your account will be removed on XX/XX/2019. Additionally, any credit that was applied to your account for the reimbursement of fees related to this claim will be removed.because these were charges that I made myself. '' I contacted them on XX/XX/2019 by phone to ask what happened. They said that it did not fit a pattern of fraudulent activity -- even though I've never used those merchants before. That in order to reopen the investigation, I needed to fax a letter. I don't have a fax machine. 

I do not know any information about the fraudulent purchases. I did not make them. I had my debit card in my possession the entire time. They not only treated me poorly XXXX like I wasn't a customer ), they did not live up to their responsibility of covering fraud.

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 2022-11-12
Company: TRUIST FINANCIAL CORPORATION
State: TN
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:
My first attorney on XX/XX/2022 and again on XX/XX/2022 sent notifications to all three credit bureaus about Suntrust/Truist Bank . My latest attorney sent on XX/XX/2022 a follow up and demand to the bureaus and creditor with no reply at all. I'v called the creditor and get passed around trying to validate this account and do not have anything from them. My attorney feels this is infringing upon my rights and goes against FCRA. With no reply this must be removed off our report IMMEDIATELY before we have to take any further legal action. Please help us get a resolution.

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 2019-12-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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 r

ecently reviewed my credit report and found unauthorized inquiries. I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inqu

iries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpos e. According to Sec tion 60 4 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : Creditor : CAPITAL ONE Inquiry Date : XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19
Company: Mr. Cooper Group Inc.
State: MI
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
I'm 30 days late on my XXXX Payment. Life happens. But everything is ok. I'm trying to login to my account and, my login information is 100 % CORRECT. I haven't changed it since the mortgage started. 

But when I login, it says " Page Doesn't Exist '' and when I try to connect to a customer service representative on the phone, the automated prompt says it doesnt recognize my SSN or my Loan Number.

And talking to an actual person is IMPOSSIBLE. The automated phone service just kicks you off and says " Call back when you have the required information '' I HAVE THE REQUIRED INFORMATION, YOUR SYSTEM JUST GOT HACKED AND NOW ITS ALL MESSED UP AND YOU REFUSE TO MAKE IT EASY FOR YOUR CUSTOMERS TO TALK TO A LIVE PERSON WHO CAN HELP.

Oh my god. This is so frustrating. I don't want to lose my house.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: Experian Information Solutions Inc.
State: OH
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:
As a follow-up to a prior CFPB complaint I made to the credit bureaus, XXXX XXXX is submitting this CFPB complaint. On XX/XX/XXXX, I submitted a letter to the credit bureaus asking them to delete credit inquiries that aren't related to me. The XXXX data leak compromised my personal information. I would like the following inquiries to immediately sever all ties to me because they are not associated with me and have neither approved nor received any money, products, or services as a consequence of identity theft. I just learned about this regulation, and it states that you must delete all accounts and information no later than four business days following XX/XX/XXXX, in accordance with FCRA Section 605B ( 15 U.S.C. 1681c-2 ). This has already been mentioned in my prior complaints, and I'm repeating it here as well : XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX Inquired on XXXX XXXX, XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/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 2022-02-14
Company: TRUIST FINANCIAL CORPORATION
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I did some research on why this company has never offered billing statement sent in the mail and they have told me they dont do mailings in the post office because they are a paperless company. This is what I have sent them and they still denied that they will send me a billing statement in the mail. I was reading one of your rules online about the Consumer Financial Protection Bureau ( CFPB ) issued a rule that a mortgage creditor or servicer ( the company you make your payments to ) must send periodic billing statements to the borrower. This is called the periodic statement rule, and it went into effect XX/XX/XXXX, XXXX they are rule breakers and have denied my request to send me a statements in the mail. If they are a lender then they must honor the rules to be a lender.. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX A XXXX XXXX, LA 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 2023-12-11
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XX/XX/XXXX I received an email from an imposter providing banking information for me to refund an unused retainer. It was identified as a business account with XXXXXXXX XXXX  It had the business name, account number and routing number. 

XX/XX/XXXX ( approx ) My bank ( Wells Fargo ) verified the account and I sent the ACH to the imposter XXXXXXXX XXXX account. 

The account obviously was not verified and due to the level of bank fraud- they should be taken more measures to insure payments are sent to verified businesses. 

XX/XX/XXXX ( approx )- I received a payment notification from a client that I should be receiving payment via ACH. I did not receive the payment and found out that the payment actually ALSO went the the imposter 's XXXX XXXX account. At this point, they were impersonating my company and used My company email address to send the imposter 's bank information to My client. 

XX/XX/XXXX - I confirmed that the ACH I initiated went to an imposter account and asked my bank, Wells Fargo, to return the funds. They said they can not help me because the account was verified by XXXX XXXX I do not know what to do at this point.

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 2016-10-19
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
First, the reported credit limit is incorrect. My credit limit was {$35000.00} yet it is being reported as only {$18000.00}, making it appear I used more than 100 % of the available credit, which is harming my credit score. Worse yet, in response to my dispute letters, XXXX retaliated. Specifically, XXXX reported to XXXX that this debt was a mortgage as opposed to a credit card. XXXX did this with the intent to destroy my credit score and prevent me from getting a mortgage. XXXX 's retaliatory behavior is criminal. There must be laws against this sort of retaliation.

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 2023-12-11
Company: Experian Information Solutions Inc.
State: AZ
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:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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