BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-09
Company: Works & Lentz, Inc
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Works & Lentz is a local XXXX XXXX debt collection agency that passes themselves off as attorneys and use harassing tactics to try and collect a debt. I have received phone calls from someone named XXXX. She repeatedly calls and leaves a message where she doesn't state what company she is from or the purpose of her call. She just gives her name and a phone number and tells you to call her. Today ( XXXX ) she called my work and spoke to my boss to " confirm my employment ''. My boss just assumed it was because I was getting a loan or something. When I told him him that wasn't the case he looked up their phone number and saw they were a debt collection agency. Now he is asking why a debt collection agency is calling him about me. 

I believe this is an intentional harassment tactic designed to intimidate me and make me look bad in front of my employer so I will pay them and the calls will stop. If they are intending to try and garnish my wages they have never sent a notice to me about going to court. So my other question is do they intend to go get a default judgement behind my back and then all of a sudden my wages will be garnished without me having a chance to respond? To be honest I don't know why this company is still allowed to be in business with the numerous complaints and legal judgments against them. All they do is adjust their tactics slightly in the hopes that people won't notice but at the end of the day their M.O. is the same. They masquerade as a law firm when in fact they are just a debt collection agency and then bully people into paying them money using every degrading, dirty handed trick in the book.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: Experian Information Solutions Inc.
State: SC
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 accordance with the fair credit reporting act the following account 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 2 it states a consumer reporting agency can not furnish a account without written instructions XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXXXXXX  Acct # XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  I Acct # XXXX, Acct # XXXX, Acct # XXXXXXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXXXXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX SC XXXX, XXXX XXXX XXXX XXXX, SC XXXX, XXXX XXXX XXXX # XXXX XXXX, SC XXXX Employers XXXXXXXX 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 2020-06-09
Company: Experian Information Solutions Inc.
State: MS
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 sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws.

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 2018-06-16
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have asked XXXX XXXX XXXX for proper validation of debt NUMEROUS of times. The company 's responses have been copies of an old bill. Their responses are not proper validations of that debt. I have explained to the collection company that the debt is not mine and that I was with another carrier at the time of the date of the computer generated bill. Because I have had numerous fraudulent accounts pop up on me, I have an extended 7 year fraud alert currently on my file with all three Credit Bureaus. I am fed up and will have to judicially file against this company for allowing this fraudulent account to be connected to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-09-20
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:
I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
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}

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 2023-08-16
Company: CL Holdings LLC
State: CT
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:
Jefferson capital is herrassing me. I told to stop calling and I am contacting an attorney. They continue to herrass me with calls that I keep blocking and letters. They opened an account on my credit report without my knowledge or permission. I feel they are stealing my identity as I am already a victim of identity theft in the past. I was not aware they were allowed to open an account under my name without permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
Company: Mr. Cooper Group Inc.
State: NE
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX advanced me property tax funds several years ago. I assumed it came from the appx {$55000.00} equity I thought I still had in this property. I was told many times just to pay it back as I could. No loan person told me a reverse mortgage causes you to lose access to the remaining equity after the pay out. I paid {$120000.00} cash ( all of my retirement ) got about {$67000.00} and the rest went where? XXXX XXXX has admitted to poor ethical behavior and I am sure it far exceeded what we know. It was their culture at the time. I was told several times that if I said I was going to call a lawyer or was unhappy with the situation, I would be " sent to the office of the president '' and they were done working with me and would retract my ability to pay back the taxes.

When confronted, XXXX just denied it. I gave up the fight, entered a repayment plan and began exceeding the required amount and continue to do so. I am now within about 6 months and {$3000.00} of once again owning the house I paid cash for. I was notified in XX/XX/XXXX that my HECM loan had been sold to XXXX XXXX ( XXXX ) and the same repayment began to be made to them. Last night ( XX/XX/XXXX ) an appraiser called me to say XXXX  had ordered an REO Appraisal on my town home. I was an appraiser and a professional practice instructor for 30+ yrs. I know the other appraisers. Without reason and without any warning to me, XXXX puts an REO Appraisal request for my property out on the appraisal network. I am in my XXXX  's and not in great health and with one asset -- this town home. Imagine the shock out of nowhere getting a call at XXXX XXXX XXXX and having someone say they have been hired to do an REO ( accepted as synonymous with foreclosure ) on your home. I am meeting all the terms of my repayment and now this. I have worked ( literally back to work ) to clear this up and now XXXX  adds embarrassment to the situation. I assume they are going to deduct the costs from me. I want other borrowers to beware this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: TD BANK US HOLDING COMPANY
State: NJ
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:
I am writing to address an issue I encountered with the Target/TD Bank autopay system. In XX/XX/2023, I attempted to sign up for autopay using my main email address, but the system indicated that the email was already linked to an account that was closed last year due to nonuse. I followed the system 's instructions to retrieve my password and set up autopay for my current account. 

However, despite successfully setting up autopay, I received a notice in XX/XX/2023 that my account was past due. After calling Target Red Card, I learned that the autopay I had set up was canceled without my knowledge. I was told that it was linked to the old account that Target previously closed for nonuse and that I needed to manually cancel the old account and link the new one to my email and set up autopay again. The system had canceled my autopay without generating any notification via text, mail, phone call, or otherwise. 

Additionally, I would like to note that I recently moved to a new address and updated my information with Target at that time. It is possible that the system may have been confused by this change, but it would be expected for Target/ TD Bank to have processes in place to ensure that customer information is updated accurately and in a timely manner, especially when dealing with matters that affect people 's credit. 

During the phone calls with Target, the associate I spoke with confirmed that autopay was in fact enrolled for my account. However, I later discovered that the autopay had been canceled without my knowledge or consent. 

Furthermore, it appears that there are issues with closing my old account and not closing the online portion of it, which has caused further confusion and frustration. 
I believe that TD Bank 's handling of this matter may have infringed on several consumer protection laws, including : The Truth in Lending Act, which requires lenders to disclose information about their loan products, including any fees, interest rates, and other terms. 

The Electronic Fund Transfer Act, which regulates electronic fund transfers, including automatic bill payments, and requires banks to investigate and correct errors in a timely manner. 

The Fair Credit Reporting Act, which requires credit reporting agencies and lenders to maintain accurate and up-to-date consumer credit reports. 

I would like to request that TD Bank take immediate action to correct damaging reports on my credit report. 

Thank you for looking into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I have tried to contact the company since I filed my complaint on here and now they are not responding to me. This seems illegal that a company can not communicate with the customer. Their last response was on XX/XX/XXXX. I sent messages ( sometimes a new one and not a reply ) on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( twice ), and now XX/XX/XXXX. Their messaging system says that messages are responded within 24 hours. Yet I have not heard back - not even a phone call - from them at all. At this point, I am refusing to pay my bill since they simply can not honor a late fee waiver from a month ago and are dragging this out.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18
Company: FIFTH THIRD FINANCIAL CORPORATION
State: WV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Fifth Third uses fuzzy math. I do my calculations with the computer XXXX program for accuracy. 

Fifth Third table shows actual escrow balance {$2700.00}, when XXXX subtracts the {$1500.00} reimbursement, the balance is {$1200.00}. 

Fifth Third XX/XX/2019 statement shows escrow balance of {$1000.00}. 

This is short {$110.00} I also get the same math results of {$110.00} by using paper and pencil Issue a reimbursement check of {$110.00} Pay my homeowner 's policy on time in XX/XX/2019 XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXXXXXX XXXXXXXX XXXX  with account # XXXX opened on XX/XX/2016 and a balance of {$2000.00}. 


I believe this account is inaccurate and should be removed from my credit report immediately. Please verify that this is a previously removed collection/Charge-Off. The information on this account is extremely false and fraudulent. i have sent several credit dispute letters involving this account and it was removed from my XXXX report then added back months later. I need this removed from all my credit reports and also this is over 7 years. please delete this! 

This is against the Consumer Financial protection bureau and this Company is violating the Debt collection practices.

I am aware of my rights under the FCRA, and I believe this collection account is not valid. I expect a timely response to this dispute, as required by law. Please conduct a thorough investigation and remove this account from my credit report if it is found to be inaccurate. I kindly request that you respond to this dispute within 30 days from the date of receipt, as mandated by the FCRA. Failure to respond within the specified timeframe may result in legal action.

Thank you for your prompt attention to this matter. I look forward to a resolution that reflects the accuracy of my credit report. Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. I personally signed and sent this letter. Sincerely,

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 2022-05-13
Company: Experian Information Solutions Inc.
State: AL
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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX 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

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 2023-08-17
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
My name is XXXX XXXX, and I am personally submitting this request to correct the error on my Credit Reports. I declare Under 15 US Code 1681a ( 4 ) as a consumer I have right to privacy and this bankruptcy must be deleted from my consumer report or I will seek monetary damages in small claims court in my city and state. Under 15 U.S. Code 1681b - Permissible purposes of consumer reports to consumer reporting agency may furnish a consumer report no consent is fraud. The US Bank Court does not furnish information to third parties and therefore a credit reporting agency is a third party so that's forgery. Below are the item that is still reporting on my report : XXXX XXXX Bankruptcy Reference Number : 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 2018-07-31
Company: SYNCHRONY FINANCIAL
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hello, I received a letter from XXXX XXXX XXXX, XXXX on XX/XX/XXXX for my Care Credit account. It claims that I owe a debit collection agency {$3200.00} for my Care Credit card. 

Last year, I paid off this Care Credit card on XX/XX/XXXX for {$2600.00}. On XX/XX/XXXX I was charged another payment of {$2600.00}. Therefore, in two days, I paid XXXX XXXX {$5200.00}. Both of these payments are highlighted on the attached XXXX XXXX   statement. 

I contacted XXXX XXXX and told them of the mistake. I asked that one of the payments be put towards paying off the Care Credit balance. I also asked that the other payment be refunded to me. A few weeks later, I received a voided check from XXXX XXXX that I could not cash. At this time I asked my bank to get involved and dispute the second payment. On XX/XX/XXXX, I received a refund for {$2600.00}. This is also highlighted on the attached XXXX XXXX   statement. 

Now, the Care Credit card was paid off on XX/XX/XXXX. I have contacted XXXX XXXX  customer service team no fewer than ten times over the past year. I have sent my bank statements to multiple people at XXXX XXXX. Every time, it is ignored and I receive letters and phone calls stating the debit was not paid. Every time I explain the situation and they tell me they are opening a dispute and to wait thirty days for a resolution letter. This letter is never sent and yet the phone calls, late fees and debt collection letters continue.

Now this debit has been placed with a collections agency and it has affected my credit score. I will dispute the erroneous credit score,  since the account has been paid off for a full calendar year.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Dear Credit Card Company, I am writing to you today regarding my credit card account # XXXX which I had while I was going through a change in my career. The purpose of my correspondence is to see if you would be willing to make a goodwill '' adjustment on the reporting of this account to the three credit agencies. I take full responsibility for the payment and I am not attempting to justify this breach of my user agreement, I was however hoping you might review the circumstances under which this non-payment occurred and consider removing the negative trade line associated with this account from my three credit reports. 
As soon as I became aware of the balance paid the balance in full. I provide this not to justify why the account was unpaid, but rather to show that the issue is not a good indicator of my actual credit worthiness. I hope that your company is willing to work with me on erasing this mark from my credit reports. I would like to STRESS that the information currently being reported IS accurate. I am simply asking for a courtesy gesture of goodwill in having the credit bureaus remove this account from my report. I do recognize that this request is unique and that it may not be your normal policy. Please consider that the Fair Credit Reporting Act does not demand that all accounts be reported, only that any account that is reported be reported accurately. Therefore, a company does have legal discretion and permission to remove any account it chooses from the credit report. I'm hoping that you will do that in my case for this account. Your kind consideration in this matter is greatly appreciated. 
Best Regards,

Company response to consumer: Closed with explanation