BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-19
Company: COAST PROFESSIONAL INC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Received letter from US Department of Treasury Fiscal Services today XX/XX/19 that my refund was applied to a debt to US Department of Education ( XXXX ) XXXX. I called the Department of Education and spoke to 2 agents and both stated that the agency did not withold my refund. I called the US Department of Treasury Fiscal Services and the number was an automated line ( XXXX ) XXXX and it stated to call ( XXXX ) XXXX Coast Professional Inc. in regards to the money. I called and spoke to an agent named XXXX who was very rude and spoke in a harsh tone to me and told me that she could not tell me anything about the reason why my money was taken and told me to call ( XXXX ) XXXX. Then hangs up on me. I called the number but the female agent that answered told me that it was the wrong department and for me to call Coast Professional Inc. I told her I just got off the phone with them and spoke to a XXXX and was told by her to call this number. I then asked for the Supervisor and he came on, named XXXX and he said he couldn't tell me anything about why my money from my tax refund was withheld. Then I hung up and now I am filing this complaint. They took {$7600.00} and are refusing to tell me why. In addition, the letter from the Fiscal Services states, " Before sending a debt to Fiscal Service, an agency must send notice to you. '' My husband and I never received a notice from Coast Professional Inc. about any debt nor about our tax refund getting garnished prior to the letter received today XX/XX/19. This should not be allowed and this is theft.

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 2020-12-13
Company: EQUIFAX, INC.
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 status incorrect

Complaint:
I checked my credit report and there is a collection that is still reporting on my credit when it should have been deleted. XXXX already deleted the collection account. Therefore it should be deleted also by XXXX and Equifax. This is really affecting my life negatively, due to COVID-19 I lost my apartment, and im unable to get a another one because of this collection account that is supposed to be deleted. I am begging you please to solve this situation. I am really struggling at this moment. I am a very responsible person, I have a 100 % payment history. This collection is literally ruining my life along with COVID-19.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: EQUIFAX, 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:
FCRA violations : inquires not mine XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX record until XX/XX/XXXX FCRA violations : not my addresses XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, LA XXXX FCRA violations XXXX not my names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA violations : accounts not mine XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$0.00} Status Closed. {$7400.00} written off. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2300.00} XXXX XXXX XXXX. {$1600.00} written off. {$2300.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$11000.00} XXXX XXXX account. {$11000.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$8600.00} XXXX Account charged off. {$8600.00} written off. {$8600.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1000.00} Status Account charged off. {$1000.00} written off. {$1000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1000.00} XXXX XXXX  charged off. {$1000.00} written off. {$1000.00} past due as of XX/XX/XXXX. 
XXXX  Potentially negative Date opened XX/XX/XXXX XXXX {$1800.00} XXXX Account charged off. {$1.00} FCRA violations : payments never late XXXX XXXX negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX  XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: Experian Information Solutions Inc.
State: NV
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, 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 explanation
Consumer complaint received 2023-09-01
Company: SYNCHRONY FINANCIAL
State: PR
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:
I had disputed an account that was open fraudulent. It took more than 3 months. 
I call Synchrony bank to let them know that was a fraudulent account open. 
I have accepted responsibility for the charges any responsability because it was not me. 
Nothing was shipped to your address I have not participated in, or benefited from the purchase. 
I have never made payments to no account Since I did not open it. 

I have not received anything to be to be reviewed by them after my complaint of fraud. 
The signature on sales receipt it not mine permitted a third party to use/ open the account I didn't activated any 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 2022-11-14
Company: Experian Information Solutions 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # 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 explanation
Consumer complaint received 2023-09-01
Company: Radius Global Solutions LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Electronic communications
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have no agreement with Radius Global. I never provided them with my contact information however, they have sent a text message to my phone.

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 2019-04-20
Company: Bread Financial Holdings, Inc.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They have called from different numbers. The one provided is the most recent number. They call me 3 to 5 times a day and most times it is not even an hour apart from each other. I have talked to them and then they call the next day. I understand I owe them money and I have not denied that. and I have explained each time I am a single mom trying to get things straightened out since my husband left me high and dry a few months ago. If they are not willing to understand and follow the LAW then I want my debt forgiven and for them to move on. I should not be harassed every day about this when I have spoken to them and confirmed who i am and explained each time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: ALLY FINANCIAL INC.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Account reinstatement or redemption after repossession

Complaint:
I brought a newXXXX XXXX and I found out that there was a third party involved in this Loan and my car was repossessed from 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 2021-12-01
Company: SYNCHRONY FINANCIAL
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:
In XX/XX/2021, I voluntarily paid SYNCB chargeoff account XXXX in full. Since then, I have contacted SYNCB in vain on numerous occasions requesting that they either update their inaccurate data ( chargeoff status still remains ) or delete the account ( it is now paid in full ) that is currently reporting collection/chargeoff to the credit bureaus. 

Not only has SYNCB refused to update the erroneous information reporting, SYNCB has consistently verified to the credit bureaus since XX/XX/2021, that their reporting is accurate. As of today 's filing, the status of the now paid in full account, is blatantly reporting as a chargeoff. This is done to intentionally suppress an individuals credit scoring. 

As stated above, I voluntarily paid this account in full in XX/XX/2021 and I have not had a negative payment history in years. Unfortunately, SYNCB is currently intentionally disguising this mischaracterized account to the credit bureaus to imitate the account as if it is a recent negative chargeoff acount that commenced 5 months ago. This is also done to intentionally suppress an individuals credit scoring. 

It is my belief that SYNCB is intentionally reporting this disguised, mischaracterized account ( status : chargeoff ) to the credit bureaus in retaliation for my many disputes sent to the CFPB and State AGs office regarding their privacy policy noncompliance over the last 3+ years. 

SYNCBs intentional infliction of emotional distress, deception, negligence and retaliation, has caused me tremendous stress, credit card denials, credit line increase denials, and missed business opportunities. SYNCB owed me a duty of extreme care to properly investigate and only report accurate credit information to the credit bureaus. SYNCB has failed to meet this required standard of care.

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 2022-11-07
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
In XXXXXXXX XXXX, many small charges were being run through my Truist checking account and I suspected hacking. On XX/XX/2022, Truist put a debit hold on my account ending in XXXX and opened a new account ending in XXXX. I have a mortgage with XXXXXXXX XXXX that was paid on the XXXX every XXXX by auotpay. Because my account number with Truist changed, I made my XXXX, 2XXXX payment with XXXX manually using the Truist account ending in XXXX. The payment was processed by Truist on XX/XX/2022. Later in XXXX, I got a notice from XXXX that it was charging my account {$25.00}. I called XXXX and ask why I was charged XXXX XXXX.The representative said that I did not disable the autopay and another XXXXXXXX XXXX  payment was sent to the old Truist account ( XXXX ). I told her that my account was hacked and that my account number changed ( XXXX ). She said she could not waive the {$25.00} unless I got a letter from Truist that fraud was involved. The rep at Truist said they are prohibited from issuing fraud letters. XXXX sent the XXXXXXXX XXXX payment by autopay to account XXXX instead of XXXX, causing my XXXXXXXX XXXX payment to be late. When I received notice that the payment did not go through, I immediately paid it manually on XX/XX/2022.

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 2022-10-14
Company: Resurgent Capital Services L.P.
State: MI
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 Account Number : XXXX Account name : XXXX XXXX XXXX, Account Number : XXXX Account name : LVNV FUNDING LLC, Account Number : XXXX has violated my rights to privacy. 

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 2016-08-23
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
My husband and I had a mortgage with Wells Fargo Home Mortgage beginning XX/XX/XXXX the property was completely destroyed in Hurricane XXXX XX/XX/XXXX. Wells Fargo also received the proceeds from my insurance policy to repair the house. The home was foreclosed on XX/XX/XXXX or XX/XX/XXXX. My husband and I received a citation from The City of XXXX XXXX because the house is a blighted property so when I contacted The City of XXXX XXXX regarding the citation I was informed by The City XXXX XXXX XXXX that Wells Fargo never record the house as being foreclosed on and that my husband and I are still the legal owners of the house. I then contacted Wells Fargo Bank in regards to the mortgage Wells Fargo is stating that they have no record of the mortgage. I then hired a title company to sell the property. The title company then completed a title search on the mortgage it was found to have an open mortgage with Wells Fargo. I then reached out to Wells Fargo again asking for the pay off quote or the release of the lien and Wells Fargo still insist that there is no documentation for the mortgage. My husband and I have been going through this for the past 10 yrs with Wells Fargo concerning this mortgage. We have been fined by the City of XXXX XXXX because of the condition of the property, XXXX, and Werlls Fargo is still refusing to assist us stating that they have no documentation for the mortgage.

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 2023-09-25
Company: Experian Information Solutions Inc.
State: IA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
previously disputed on XX/XX/XXXX this medical debt account asking to verify or delete debt as I do not recall having account open. On XX/XX/XXXX I got a response from Experian saying that personal information on credit report with Experian didn't match the information that I had given on the dispute. For that reason I needed to provide additional method of personal verification. On XX/XX/XXXX I got a copy of credit report with Experian and stating this medical debt that I do not recall. First Experian is stating that the information that I provide as my personal info. is incorrect base on what Experain has then shortly after I get a credit report with a medical debt on it. This makes no sense does Experian have or does not have the right personal information or Is Experian mistaken me with someone else. Not possible to show a negative account on credit report if information is not accurate 100 % this is ridiculous

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 2022-11-14
Company: EQUIFAX, INC.
State: IL
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:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account Name & Number : 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, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/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 2022-10-14
Company: LendingPoint Holdings LLC
State: MI
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 : XXXXXXXX XXXX, Account Number : XXXX Account name : Lending Point LLC, Account Number : XXXX Account name : XXXX XXXX XXXX, Account Number : XXXX has violated my rights to privacy. 

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