BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-04
Company: DISCOVER BANK
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am not an attorney, legal counsel or tax expert but rather a consumer, alleged obligor, in accordance to enumerated consumer laws. 
I am in receipt of a communication in response to a request for compliance to The GrammLeachBliley Act respecting consumer right of privacy by depository institution Discover Bank. 
The balance in excess of {$1.00} in accordance to the Fair Credit Billing Act is a credit balance deceptively purported as the false representation of the character, amount, or legal status of any debt balance. Discover Bank confirms that the credit balance due is correct and valid and has made no effort to refund the credit balance in full by check, cash or money order. As there is no deficit stated to verify a debt balance, Discover Bank has illegally taken action that can not legally be taken to disgrace the consumer by communicating to any person credit information which is known or which should be known to be false via consumer reporting agencies without my written permission in breach of trust. Please see enclosed credentials and deceptive communication enclosed alleging debt. Discover has refused to cooperate in compliance of consumer revocation of consent to furnishing information to unaffiliated third parties as unauthorized use. Discover Bank has purports to represent the Bureau in the false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-30
Company: EQUIFAX, INC.
State: MT
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:
Introduction to the Issue : I am writing to file a formal complaint against Equifax Information Services LLC regarding the ongoing reporting of collections on my credit report, which has been furnished by XXXX XXXX XXXX. Despite my multiple attempts to dispute this inaccurate and outdated information, Equifax continues to report it as verified. This situation has not only damaged my creditworthiness but has also raised serious concerns about the accuracy and legality of their reporting practices. 

Continuous Reporting Despite Disputes : Since my initial dispute, I have not received any substantial information from either XXXX XXXX XXXX or Equifax to support the validity of this debt. Nevertheless, Equifax persists in reporting it as verified. This ongoing reporting has caused significant distress, as it inaccurately portrays my credit history and financial responsibility. 

Status of XXXX XXXX XXXX : It's crucial to note that XXXX XXXX XXXX has been out of operation since XX/XX/2009. This fact is well-documented and should be readily available in Equifax 's records. Despite this, Equifax has failed to rectify the reporting of this debt, which calls into question its commitment to adhering to the Fair Credit Reporting Act ( FCRA ). 
Lack of Licensure in Montana : XXXX XXXX XXXX is not licensed to operate as a debt collector in the state of Montana, where I reside. This is a clear violation of Montana state law, and it should further invalidate their ability to report this debt on my credit report. Equifax 's failure to acknowledge this violation adds to the mounting concerns about its reporting accuracy and compliance with state-specific regulations. 

Impact on Creditworthiness and Legal Implications : The continued reporting of this inaccurate and outdated debt has had severe repercussions on my creditworthiness, affecting my personal and financial life. I firmly believe that Equifax 's actions are not only damaging but also potentially unlawful. They are in direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), both of which were designed to protect consumers from unfair and inaccurate reporting practices. 

Request for Immediate Action : In light of these concerns and the clear violations of federal and state laws, I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter thoroughly. Equifax should be held accountable for their actions and for rectifying the inaccuracies on my credit report promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-29
Company: SANTANDER HOLDINGS USA, INC.
State: NC
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:
Name : XXXX XXXX XXXX XXXX XXXX Santander Consumer USA This account needs you be removed off my credit report IMMEDIATELY. You have not done a THROUGH investigation. Loans that were supposed taken out to purchase a new car were proven to be false. Santander is not licensed in the state of VA or NC to do Consumer Loans, Small Loans or anything with Motor Vehicle Sales. I asked for the credit bureau to verify and validate all data for this account, every notation, dates and balances, whether reported or not this inquiry was made without my knowledge or consent and I would like to be provided proof that I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof of any or one, I would like it removed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: EQUIFAX, 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:
To start off, XXXX XXXX XXXX, is the name Inventhelp or whatever name Inventhelp is using now, used to defraud me like they did many people in the United States. Yeas ago, all that XXXX got me to do was sign a contract for their services, that they never provided to me, they did nothing, that is why there was a class action law XXXX XXXX XXXX, the court sent me a letter about the law XXXX XXXX all credit bureaus were supposed to delete all the information that was in error, they defrauded me also, I never owed XXXX XXXX XXXX, anything ......

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
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: Account status incorrect

Complaint:
Equifax made an update to my XXXX XXXX XXXX loan and changed the status from open account to closed account without validation directly with the creditor. XXXX XXXX is not reporting the account as closed, it is an open account in good standing

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: WAKEFIELD & ASSOCIATES, INC.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Where is my signed HIPPA form? I am aware that you have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize your company to have access to my medical records or procedures that I went through. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 120-180 ) plus days late on the XXXX partial account number ****XXXX. ( Please see page attached from my credit. ) This account reports a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2023-07-03
Company: EQUIFAX, INC.
State: CT
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX Account XXXX Account name : XXXX XXXX XXXX XXXX Account XXXX has violated my rights. Or list of inquiries 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 2023-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I reviewed my Consumer Report and noticed that there was an inaccurate account ( s ) on my credit report XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Dept of EdXXXX : XXXX Dept of EdXXXX : XXXX Dept of Ed/XXXX XXXX XXXX Dept of EdXXXX : XXXX Dept of edXXXX : XXXX Dept of ed/XXXX  : XXXX Dept of edXXXX : XXXX XXXX  : XXXX Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. 

I contacted Transunion and asked them to investigate & remove the inaccurate accounts from my consumer report that they are illegally reporting and i requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. 

This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.

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 2020-02-26
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
USAA does Not provide a TRUTH IN LENDING STATEMENT. see attatched XX/XX/2019 statement showing OTHER CREDITS {$2.00}, XXXX and TOTAL CREDITS ONLY {$910.00}. Definition of TOTAL. = Comprising the whole number or amount. USAA statements SHOW TOTAL CREDITS that do Not Comprise the whole number. WHAT PART OF TOTAL DOES USAA misunderstand? Why are they allowed to hide credits? ( Without A VIEW OF THE CREDITS the statement IS NOT THE WHOLE TRUTH. NOTHING BUT THE TRUTH UNLESS the temp credits OTHER CREDITS DID NOT APPLY ) ** Either statement is not TRUTH IN THIS LENDING or the credits WERE NOT APPLIED.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
Company: Kriya Capital, LLC
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: Account status incorrect

Complaint:
I have a collection on my XXXX credit report that appeared in XX/XX/XXXX on XXXX XXXX. The collection is from Credence Resource Management. The original creditor was XXXX XXXX. The amount is for {$460.00}, and it says the account was opened on XX/XX/XXXX. I have no knowledge of this account. I am very careful about paying my bills when I do owe something. I never got a letter in the mail, an e-mail, or a phone call about this debt. This is a violation of the FDCPA. I disputed this with XXXX, and XXXX will not remove this collection. I have not contacted this company because I do not trust scam artists, and I am unsure what to say to them that would do me any good. I know for a fact that they can not prove this debt is mine, because it isn't. My maiden name is XXXX XXXX XXXX. I got married in XX/XX/XXXX, and my name is now XXXX XXXX XXXX. I don't know which name this company has me filed under.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-14
Company: Mr. Cooper Group Inc.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
i am XXXX XXXX, legally mortgage is still under with me & my father. but i not living to the said address because i just started a new chapter in my life. I am just concerned with my XXXX who literally they owned the house. They suffered from flood to their basement. And my XXXX cancelled the assumption over the phone with XXXX on XXXX. Due to unexpected expenses to their basement. So she is behind with the mortgage. It was only done for construction yesterday XX/XX/22. She applied for Payment Plan today XX/XX/22 but unfortunately. XXXX XXXX found that she has active assumption application. So, she thought everything is on the proper places and i. the same page. And we got a letter from them that theyre willing to help us, why now, they giving her a hard tine to get approved from payment plan. XXXX said to her that 30 days before it will be updated to their system regarding assumption application to be cancelled. and it might be worst, if we still need to wait for 30 days. And we are supposedly got a payment plan but XXXX XXXX doesnt allow him to file on his system. 

we need help to mske this thing straight and informative

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
Company: CCS Financial Services, 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:
After reviewing my credit report I've notice that inaccurate information is being reported on credit report. Starting with Credit Collection Services XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
Company: Avant Holding Company, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I made my payment to Avant on XX/XX/XXXX. The funds were available in my account at the time of payment. On XX/XX/XXXX the payment was declined. I was charged a late fee as well. I spoke to multiple reps and was hung up on while attempting to resolve this matter. The funds were still in the account for the payment being made so I asked if we can process the payment via debit since they were having problems processing it via ACH. I transferred the funds to my account that has a debit card linked to it and provided the rep with the card number. They stated they were having issues on their end with the payment. I asked if they would like to try another card. They stated they would try my card on file and read me the number. The number they read was not a card but an account number for my ACH payments. I stated no do not use that account because it will take days to process. The rep proceeded to process it anyway. I explained I wanted to make a debit payment so its processed today. They said they canceled the ACH and took another debit card that I moved the money to and this payment went through. They apologized for the inconvenience and stated they would submit a request for the fee waiver because of a processing error. This morning when I woke up I had an email stating the waiver was declined and I also saw they took two payments instead of one. One of these payments is unauthorized. They stated it would take 14 days to resolve. So they are charging me fees based on their error and taking unauthorized payments. I spoke to a supervisor who refused to help and hung up on me. I have now called over 5 times trying to resolve my issue. This is a violation of TILA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
This problem has been ongoing since XX/XX/2019. First with XXXXXXXX XXXX and now with PHH, the successor to XXXXXXXX XXXXXXXX PHH is requesting {$390.00} for a p-payment made for condo fees which were stopped when a checking account was mistakenly closed out. On XX/XX/2019, a payment for {$310.00} was withdrawn from my XXXX bank account ( see enclosed confirmation card from XXXXXXXX XXXX ). XXXX XXXX  Representatives continued to harass me for payment, so I sent them the enclosed letter and check # XXXX XXXX XXXX ) for another {$390.00} on XX/XX/2019. Over the past XXXX years XXXX XXXX  and PHH have continued to harass me for the {$39000.00}. By all accounts, XXXX Mortgage and PHH owes me {$390.00}. This information and many telephone communications have been provided to the mortgage companies but they refuse to accept it and refund my {$390.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: PNC Bank N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Credit card company forcing arbitration

Complaint:
PNC apparently has a forced arbitration XXXX sided agreement to which I was not aware of until just recently. At no time when opening the account was I advised that there was a forced arbitration agreement and that I could opt out. Nor did I sign anything acknowledging receipt of any forced arbitration agreement. Now, via PNC 's practices, it has come to my attention that PNC is aligned with politically radical groups i.eXXXX XXXX XXXX, which alignment has given rise to fraud and identity theft issues. On top of that PNC uses its political alignment to XXXX XXXXXXXX  to cause financial and other irreparable harm knowing that it has paid crooked arbiters in its pocket, which it has paid for in advance. On top of this, I am not entitled to a waiver of fees for claims asserted against PNC in any arbitration, as that is in the discretion of its hand picked arbiters. Conversely, in both federal and state court, I am entitled to a few waiver to pursue claims against PNC notwithstanding the fact that PNC 's arbitration is perfunctory at best as most arbitration agreements are XXXX sided in favor of the bank. Therefore I have no legal rights whatsoever with respect to the relationship with PNC and I am at their mercy to comply with the federal and state law which they have shown as a pattern via their XXXX XXXXXXXX alliance, that they will not comply or otherwise do so at their discretion to which i have no legal recourse whatsoever. Ironically, PNC alleges to be so concerned with being socially responsible yet at the same time taking a very radical approach to is own misconduct and forcing such into crooked arbitration engagements.

Company response to consumer: Closed with explanation