BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-08
Company: ALLY FINANCIAL INC.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

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 2019-11-08
Company: Freedom Mortgage Company
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage has PMI and I now have over 80 % equity and therefore am not required to pay PMI any longer. I sent a new appraisal to Freedom Mortgage and was ignored for three weeks except to email me with the refinance departments phone number, who told me if I paid {$6000.00} in closing costs I could refinance my mortgage and the PMI would go away. After several more emails and 7 phone calls, I was finally told that they dont accept outside appraisals and I would have to use theirs. I told them to start the process and was told they wont do it until I have 80 % equity on the original appraisal that was done when I purchased the home and not on the new appraisal that clearly shows much more equity. 
The complete lack of customer service was deplorable.

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 2023-11-17
Company: Security Credit Services, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Never received any documentation or original requested signed documents that I owe. Reporting inaccurate and fraudulent amount. Account shows open, never was notified before reporting. Account just showed up on my report with no notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Credit reporting agencies, they are refusing to do a proper investigation, Pursuant to 15 usc 1692 ( g ) also these agencies have Traffic my personal identifying information, according to 18 usc 1028 ( 12 ) ( a ) ( b ) By law I have a right to privacy, according to 15 usc 1602, I have a right to the pursuit of Life, Liberty, and happiness,

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 2023-03-16
Company: W&A Intermediate Co., LLC
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am writing to file a complaint against XXXX XXXX XXXX and Wakefield and Associates. They have unethically and inaccurately sent a medical bill to a collections agency while the bill is under appeal review with XXXX XXXX XXXX, despite being advised verbally and in writing that the bill was under appeal in XX/XX/2023 and again in XX/XX/2023. This bill from XXXX XXXX XXXX clearly violates The No Surprises Act, which prohibits providers from charging patients out-of-network rates for emergency care. Wakefield and Associates provided misleading and inaccurate information in their letter by directing me to respond to a website that does not exist. In addition, there is no portal on their website where this debt collection can be disputed. These deceitful practices by Wakefield and Associates violate the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: EQUIFAX, INC.
State: WA
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 have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

Account name : XXXX XXXX XXXX XXXX number : XXXX Account name : XXXX XXXXXXXX Account number XXXX XXXX Account name : XXXX XXXX Account number : XXXX Account name XXXX XXXX XXXX Account number : XXXX Account name XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  15 U.S. Code 1681 section 602a states I have a right to privacy. 

15 U.S. Code 1681 section 604A section 2 It also states that a consumer reporting agency can not furnish any account without my written instructions.

15 U.S. Code 1681c ( a ) ( 5 ) Section states know, consumer reporting agency may make any consumer report containing any of the following items of information, other than records, convictions of crimes which antedates the report by more than seven years.

15 U.S. Code 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 2022-03-05
Company: WELLS FARGO & COMPANY
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
Wells Fargo " Pay Bills '' process delay in sending payments to payees. 
. 
When Wells Fargo customers select a " send date '' to pay bills from their checking accounts using the Wells Fargo online banking, the payments take anywhere from 1 to 5 days from the " send date '' to the " deliver date, depending on the payee, to reach the payee. The money is taken form the customers account on the " send date ''.

Therefore the customer has to take that date lag into account and schedule the payments at least 1 to 5 days before the payments is due to the payee. Any miscalculation on the part of the customer could result in late payments to the payee, and late fees from the payee and possible lowering of their credit score.

In the 21st century, why does it take Wells Fargo anywhere from 1 to 5 days to send an electronic payment to a payee? Other banks can send the payments right away to payees. Consumers can send money instantly from their checking account to another person using XXXX, XXXX, XXXX and the like. 

Is Wells Fargo using the payment dollar amounts as a interest free loan during the " send date '' and " deliver date '' 1 to 5 days interval. When you add up the thousands of payments Wells Fargo processes daily, they would add up to millions of dollars in Wells Fargo possession until the payments are delivered.

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 2023-03-16
Company: Radius Global Solutions LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
radius global has a collection on my account they refuse to remove. 
this is no my account. 
i do not have a contract agreed to pay with my wet ink signature and they have no legal validation not verification.

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 2021-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I disputed this once and received a response from XXXX XXXX  stating this was to be removed from my credit entirely. After MULTIPLE attempts to fix this with Transunion and XXXX, I have gotten no where with them to remove the tradeline entirely. See attached documentation - XXXX XXXX  responded to my complaint to remove it and I have the letter from XXXX XXXX stating this is to be removed completely. Transunion and XXXX  have not removed this tradeline and absolutely will not accept or help me with the provided documentation. This was not my debt. This never should have been on my credit.

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 2019-09-12
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
These accounts below are more than 7 years old and should be deleted. Also these debts are all paid or I received an 1099-C for these debts. 

XXXX XXXX XXXX XXXX XXXX - - - Installment Negative XX/XX/2011 XXXX XXXX XXXX XXXX XXXX {$26000.00} - - Installment Negative XX/XX/2011 XXXX XXXX XXXX XXXX XXXX {$4900.00} - - Installment Negative XX/XX/2011 XXXX XXXX XXXX XXXX XXXX - - - Installment Paid XX/XX/2011 XXXX XXXX XXXX XXXX XXXX - - - Installment Paid XX/XX/2011 XXXX XXXX XX/XX/XXXXXXXX - {$3000.00} - Revolving Negative XX/XX/2011 XX/XX/2011

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11
Company: Kramer & Frank, P.C.
State: MO
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a credit card with XXXX XXXX back in XXXX and I lost my job so I was unable to pay the debt. In XXXX I received a garnishment from Frank & Kramer for {$1400.00} that I paid in XXXX for {$1800.00}. I never received a summons to go to court on this, but I paid the bill because I knew that owed XXXX XXXX {$500.00}. I received a garnishment in the mail today XXXX/XXXX/XXXX for {$1200.00}. I called Frank & Kramer and they claim that owed an additional {$1300.00} in post judgment interest and told me that this payment has to be paid and that I don/t have a choice in the matter. I should not have to pay {$2500.00} in interest to a debt collector on claim that is past the statue of limitations and that I have already paid. How can I be sued for a claim that I never received anything from the court tot appear on this claim. Please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
An OLD credit card OVER seven years old was removed from my account last summer due to the account being OLD. NOW, it has appeared on my credit report again recently with the same information just a new date and NEW collection agency. This should NOT be on my credit report.

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 2021-11-13
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Experian has an incorrect email associated with my credit file and membership information. I wrote Experian and mailed a letter XX/XX/21 providing a copy of my identification, Social Security Card, and XXXX utility bill to confirm my identity and update my information. I can not access my Experian account on their website and they continue to retain an old email that is on the dark web and has been used in attempts to steal my identity. I attempted to contact them when an inquiry into my credit file was reported by XXXX and noticed that Experian has a second email that does not belong. My email address is XXXX, when I provide it I do not receive a link to reset/update User ID and password. They have a similar email but it does not belong to me, this is an issue that I have not been able to resolve with Experian after several attempts on their automated call service with a wait of up to 30+ minutes.

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 2023-10-31
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 


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 XXXXXX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: EQUIFAX, INC.
State: MI
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the 3 Credit Bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$100.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$460.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX XXXX : {$900.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance XXXX {$1200.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$3000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$130.00} ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX ; XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX CO XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XX/XX/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 ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: CCS Financial Services, Inc.
State: AL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been notified by my XXXX bank account that there appears to be dark web activity against my account. It states that I owe {$81.00} for a delinquent policy payment to XXXX XXXX insurance. The vehicle involved was a XXXX  XXXX XXXX, which I have never owned. The Credit Collection Service phone # XXXX. 
The account in question is for XXXX XXXX XXXX Co, reference # XXXX My contact information is ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
transunion refuses to give me a 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 2019-09-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had previously a XXXX credit card and it has been discharged even in the credit bureau.All of a sudden port folio recovery shows up in my credit report saying the account was opened XX/XX/2019 and I owe them {$1100.00} and I had no knowledge of this. They buy charged off accounts to recoup much more money than originally owed. I live on social security and I want pay this because XXXX  closed this account and they were satisfied and they reported that to the credit bureau

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-06
Company: EQUIFAX, INC.
State: NC
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 ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within XXXX  days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: TRANSWORLD SYSTEMS INC
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021 TSI ( Transworld Systems Inc. ) called me in regard to an alleged medical debt. I asked the representative to identify themselves and who TSI is. They refused unless I verified my own name. They did not notify me they were attempting to collect a debt. All they told me was that they are " TSI ''. They never mailed me any information about the debt. They did not give me any information about the debt. When I asked again what TSI is, they hung up. 

They use overseas call centers to collect unsupported debts from hardworking Americans. On top of this, they add insult to injury by being rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a credit line increase and capital one declined my request using an outdated and expired credit score. They need to use an updated credit report to approve my increase.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check to my business checking account at Bank of America via the mobile deposit app on Thursday, XXXX When I entered the amount of the check I made a typo and put in {$1400.00} instead of {$2400.00}. I notified the bank and they said it would be corrected when they processed the check. It was corrected when it was processed, however, Bank of America put the check on a 7 business day hold! The check cleared XXXX XXXX on XX/XX/ and the money was removed from the XXXX XXXX account. 

Bank of America will not explain why they are still holding the deposit despite the fact that they money has been transferred from XXXX XXXX to Bank of America. I have spoken to Bank of America 5 times and they opened a case to see if they could get the processing team to expedite the hold, but it has not happened. 

Can you please help me find out why Bank of America will not release the deposit which has already cleared 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 monetary relief