BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-27
Company: EQUIFAX, INC.
State: VA
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:
Late Payments In accordance with the Fair Credit Reporting Act this creditor has violated my rights. 

Under 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 - it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666b - a creditor may NOT treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Due to these violations I have a right to sue per violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: Bread Financial Holdings, Inc.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
1.I have never had an account with this company Comenity Bank , REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are Comenity Bank the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: FREEDOM FINANCIAL NETWORK
State: CA
Product: Debt or credit management
Sub-product: Debt settlement
Issue: Unauthorized withdrawals or charges

Complaint:
I am writing to file a formal complaint against Freedom Debt Relief, located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Since beginning my payments in the summer of XXXX, I have encountered significant discrepancies in the management of my account. 

The financial details of my interactions with Freedom Debt Relief are as follows : Total Deposits : {$72000.00} Current Account Balance : {$16000.00} Expected Allocation for Debts and Fees : {$44000.00} However, the settlements reached to date total only {$17000.00}, detailed as follows : {$6400.00} settlement for XXXXXXXX XXXX 
{$7900.00} settlement for XXXX XXXX. 
{$2700.00} settlement for XXXX. 
This situation has resulted in an unexplained discrepancy of {$27000.00}. My attempts to have Freedom Debt Relief address this issue have been unsuccessful. Additionally, they have recently locked me out of my account by resetting my password, preventing me from accessing detailed statements to provide as evidence.

This lack of transparency and denial of account access raises severe concerns about Freedom Debt Relief 's business ethics and practices. The potential mishandling of my funds and the obstruction in accessing my account information warrant a thorough investigation.

Given the substantial amount in question and the potential infringement on consumer rights and financial regulations, I am urging the CFPB to promptly investigate this matter. While I am currently unable to provide a copy of my statement due to the restricted account access, I am prepared to furnish further details and any available documentation. 

I appreciate your immediate attention to this distressing issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
To Who it may Concern : I have contacted Trans Union, XXXX, and XXXX more than once pertaining to them reporting inaccurate information on my credit report that is negatively effecting my credit score. I even sent proof that the information that they were reporting was incorrect and they did not remove the inaccurate file from my credit report as I requested that they do. the account in question is : XXXX Acct # XXXX in which at the timeTrans Union shows a last date active of XX/XX/XXXX, XXXX showed a date of XX/XX/XXXX, and XXXX showed a date of XX/XX/XXXX. Trans Union has since re-aged my date of last activity to XX/XX/XXXX. 
I have disputed this issue more than once with each of them. They only respond that their investigation results will stand. I've even sent in proof that the information was incorrect. 
I ask if each of these entities get their information form the same source, How can each of the have conflicting information?

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 2023-03-27
Company: General Motors Financial Company, Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
A THIRD PRTYCOMPANY HAS MY LOAN AND I HAVE TO GO THROGUH THEM TO MAKE MY CAR PAYMENTS. 
THEY TOLD ME TO GO THROUGH THE PROCESS IN THIS XXXX  AND MY REFERENCE NUMBER IS XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information is missing that should be on the report

Complaint:
TransUnion failed to provide a " hit '' on my credit reporting to XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX., XXXX XXXX, NJ XXXX. As such, I had an adverse action and not approved for credit/bank 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 2023-03-27
Company: Bell Global Solutions LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Bell Global Solutions Company called to collect an old debt, I signed up to clear this debt because I did not want to be sued. After collecting bank information they were supposed to send paperwork which I never received. They have been taking XXXX a week from my checking account since XXXX up until today XX/XX/2023, the bank put a stop payment on this account. 
Been calling the following numbers to resolve this matter no response : XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2023-03-27
Company: Resurgent Capital Services L.P.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
When I closed my XXXX XXXX Bank account # XXXX, my balance was under {$200.00} and my limit was {$300.00}, they have now sold the account to LVNV Funding LLC account # XXXX showing a diffrerent amount of {$880.00} and a different account #, I have tried resolving this account with them and the credit bureaus but no one seems to be able to help me clear up this rip off collection company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: Early Warning Services, LLC
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
A friend attempted to send money to my XXXX XXXX account via Zelle. When Zelle got around to actually processing the transaction, they removed the money from the sender 's account, but did not deliver it to the recipient ( me ). I can not access the money. The recipient can not cancel the transaction. Right now, Zelle is holding on to the money for an unspecified amount of time. 

I contacted XXXX XXXX twice about this. They said that because the money is currently being held by Zelle that there is nothing they can do to complete or cancel the transaction. Why they suggest using Zelle under these circumstances is unclear, though of course they likely get paid for doing so. 

I have attempted to contact Zelle twice. Their automated system asks if the transaction is being done via banking app, and when I selected the option to say that it was, the machine told me to hang up and call the bank. They offered no option to complete or cancel the transaction, or to even speak to a representative. Neither the sender nor I knew that a simple funds transfer could be delayed indefinitely like this. 

Currently Zelle is holding on to the money. Neither sender nor recipient can access it or modify the transation. There is no way to contact Zelle about the problem, and the bank - at least my bank - claims that there is nothing they can do about the missing money. As of this moment, over a XXXX dollars in US currency is missing, and neither XXXX XXXX or Zelle is offering any recourse to recovering it, other than to wait and probably get it next week. Probably.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have been working on my TransUnion credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 

The INCORRECT Addresses are XXXX XXXX XXXXXXXX XXXX XXXX, IL XXXX and there is XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX. 

The correct address is XXXX XXXX XXXX, XXXX, IL XXXX and the only address that should be on my consumer report. 





I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 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 that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2023-03-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 or 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 explanation
Consumer complaint received 2023-03-27
Company: PNC Bank N.A.
State: MA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
PNC Bank held a foreclosure auction on XXXX XXXX XXXX XXXX XXXX, MA on XX/XX/XXXX over a total balance due of approx $ XXXX with approximately $ XXXX past due. This relates to a home equity loan that my late mother took out in XX/XX/XXXX for {$89000.00}. That principal was all repaid years ago with maybe double that amount in interest. But that is neither here nor there. The fact that the much of the past due balance was incurred during a global pandemic where the entire country was shut down for two years is also neither here nor there. What may be here or there is that I didn't find out about the auction until over a week after the fact. I also didn't out about it from PNC ( who to this very day has yet to inform me of the auction ) but I learned about via the winning bidder. Who, BTW, has been extremely empathetic to my situation and is more than happy to walk away from her bid if PNC complies. If I knew about the auction ahead of time, The Mass Homeowners Assistance Fund ( who I have subsequently contacted and who I am now seeking a grant for up to $ XXXX re this matter ) informed me PNC would have stopped the auction from taking place based upon an agreement they have in place with them. I didn't find out about the auction because PNC either ignored or denied a request to have correspondence also sent to my cousin/executor. That request was made years ago ( XXXX  I believe ) because of my mental health issues but also because the address they send mail to isn't checked regularly and is a just mailbox near the sidewalk that can easily have its contents stolen. PNC also or ignored or denied my Financial Hardship Application filed last summer that I understood would postpone collection activities for 1 year. I have filed complaints with the MA Attorney General and MA Division of Banks who referred me here as PNC doesn't fall under their jurisdiction. I have also been referred by the HAF to XXXX XXXX XXXX XXXX XXXX organization which I intend to utilize as well. As all they're interested in is their blood money, hopefully one of these groups might compel them to do the ethical thing and wait for the HAF grant to be approved. Or, if that doesn't work out, give me the opportunity to sell off the first floor unit as a condo. Their lien isn't going anywhere and they will get their money without stealing a home that has been in my family for over half a century. Thanks for your time and help! It has been desperately needed and appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX, XXXXXXXX XXXX XXXX Account # XXXX, Has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: First National Collection Bureau, Inc.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Agent called saying I owed a debt and that I made a payment in 2020 but refused to send me any documentation of payment or anything that proves the debt is mine. I asked for the paperwork for the alledged account and was told I can fill out affidavit paperwork but they would not provide me anything other than the letter that stated a debt was placed in there office. Agents were very rude and and continued to rush me off the phone saying that theyve sent all theyre going to send and I can return the paper.

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 2024-01-16
Company: WELLS FARGO & COMPANY
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/XXXX, I did an online search for banks who were offering a promotional bonus to open a new checking account and came across Wells Fargo offering {$320.00}. 
XXXX XXXX XXXXXXXXXXXX  This offer is available in-branch and online and gives a {$320.00} bonus when opening a new Everyday Checking account and doing a total of {$1000.00} in direct deposits within 90 days. 

Once enrolled, I immediately updated the direct deposit with my employer to meet the qualifications above. The offer either requires you to click on a link to open online or use a bonus code at a local branch - I chose to follow the link to open online. 

First Wells Fargo tried to tell me that I had not met their promotional guidelines in a timely manner. When I proved to them that was not true, they changed their story to now telling me that I did NOT use the link on the online offer webpage. This is extremely frustrating because how can I prove that I did, other than the fact that I saved the information online? The only other way I could open this account is to go directly through their website. If I had done so, why would I jump through all of their qualifications stated on their offer to qualify for the promotional bonus?

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 2023-03-27
Company: V and H Portfolio
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Company Name : Vance and Huffman , LLC Contacted me ( XXXX XXXX ) on behalf of a relative ( XXXX XXXX ) multiple times. 

- Without identifying myself, they told me they were attempting to collect a debt - Multiple times, my sister and I have both requested they not contact us or any relative by phone regarding this debt - I recorded a conversation with the debt collector regarding this, but they said they could not speak on a recorded line. I do have voicemails indicating illegal contact, however.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Trying to communicate with the company to fix an issue with the application process

Complaint:
When we applied for a home equity loan with our credit union we were denied because a title search showed we had a Texas XXXX XXXX XXXX XXXX XXXX done in XXXX. What we actually did in 2020 was, we took advantage of an offer from our home lender Chase to do a refinance for a lower interest rate. This should have been recorded as Deed of Trust, as we did NOT take any monies from our equity. We have had conversations with our state/county recorders office, and were advised that Chase needed to correct the error. We contacted Chase customer service and they forwarded our complaint to Chase Escalation Office ( after several complaint calls ) for review. It has been 2 weeks since we have started this complaint, and have zero answers. At first Chase wanted us to refinance and that would get the issue off our title. Taking our interest rate from just over 3 % to 8+ %. We have called many times to get updates on this issue and each call is forwarded to a different individual and our story has to be retold each and every time and the answer has always been the same... Chase is investigating. As it stands we have had 2 hard inquires on our credit and have received 1 denial letter from our credit union, not to mention our equity is locked, at our advanced age is very scary. Please help.

Company response to consumer: Closed with explanation