BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-14
Company: EQUIFAX, INC.
State: PA
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 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 XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX violated my rights. 15 U.S.C 1681 section 602 A. States 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 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 2023-08-21
Company: EQUIFAX, INC.
State: TX
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 report and 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 30 days. 

XXXX XXXX XXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-03
Company: Phoenix Financial Services LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A debt collector company send me a letter that i debt off {$2000.00} for service on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX creditor XXXX XXXX XXXX XXXX. Now they send me a letter on XX/XX/XXXX 5 years later that i own them money i have medical until XX/XX/XXXX and i have a bankruptcy i went last year to the hospital for check up they didn't said anything. 

Have receipt off hospital Pictures of medical And bankruptcy That's phoenix financial services XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX Pictures available

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: CCF Intermediate Holdings LLC
State: OK
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
First I called Im XXXX asking how much I stilled owe and was told and the amount was twice the amount I had borrowed. When I applied I did not realize the interest rate at that time I gave them my bank account and routing information for monthly payments after 2 months changed payment route to debit card in XX/XX/2033 had trouble with my card did not make payment in XXXX did not give them permission to take payment out of my bank account XX/XX/2023 they hit my bank account for payment that I did not give them permission to do at this time I am in a bind fixed income and can not afford to pay double on a loan I have paid back fulll amount plus at this time

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I found this on my credit report. I called to settle the debt and the man who answered told me that " my account was not eligible for a settlement '' but that he would talk to his manager and see what he can do and then told me that he would be able to take 25 % off the balance. I asked if that was the least amount your able to remove and he said yes he can not lower it any more. I told him that I would like to make sure that if they are offering other customers a higher percentage taken off the bill and that they are not allowing me that same opportunity then that would be against the law. The man said that he is certified by the FDCPA and that he knows the law and that is the least they can't take. He is not certified by the FDCPA and that is a lie and misleading. I was a bill collector for 8 years and know that you do not get certified by the FDCPA and this falls into the deceptive practices portion of said FDCPA. Also he continued to ask me what the reason was for me to want to pay this and continued to ask why I all the sudden want to pay and it was clear he was trying to find out why I would like to pay this so that he could use that as leverage over me. So I asked for a manager and I told her that I was calling to see about settling this debt and that he offered me 25 % but that I wanted to make sure I was getting the best settlement available and that if you are offering other customers a lower amount and you do not offer me that amount then that would be against the law and she told me that the settlement amount t are not the same for each customer and that there are factors like the account balance that determine the settlement and named several other things that decide that. I told her again that I was a bill collector for a long time and I am very confident that there is a certain amount you are able to lower that bill to and I am pretty confident that you are not being honest with me. I told her that I am not okay with this and will be contacting the cfpb. Also the first associate tried to tell me that it is not his money so he has no reason not to give me the best price and I said sure there is I am sure you make commissions off this and he said no he does not and that he makes a salary based pay and is not affected by the collection which I also believe to be untrue. So this is several examples of them being deceitful and using abusive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
In XX/XX/XXXX, XXXX XXXX XXXX XXXX charged off my personal loan on my credit report after I spoke with their legal department a few months prior about my financial hardships and the legal department stated that I had until XX/XX/XXXX to make a payment of XXXX dollars.

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 2019-09-25
Company: SUNTRUST BANKS, INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I went into SunTrust Bank on XXXX and deposited a check for {$2100.00}. I was assured by the teller that it would be deposited and the funds made available 24 hours later. The very next day on XXXX, I had no access to the online banking portion of my account. I went back to SunTrust to see what was going on, I was told by the personal banker that they suspected the funds were not in the payer account to cover the check. She then asked for a screenshot of the the check issuers bank account, showing they had enough money to cover the check. ( which I thought to be completely unprofessional ) I spoke to the issuer and they were willing to comply with the request for the screenshot, but then the personal banker said she didn't need it anymore because the issue was being investigated. I figured all of this would be worked out by the next day on XX/XX/XXXX, so I returned home. The next morning on XX/XX/XXXX I received a letter in the mail from SunTrust stating that a hold has been placed on the funds until XX/XX/XXXX. I then contacted SunTrust to see what was going on and how we could resolve this, again. I was told my account was frozen and would be closed " due to rules and regulations violation, '' representatives for SunTrust told me that there was an investigation taking place because the signature on the check had not been verified, but as long as the check cleared on the XXXX at XXXX XXXX. my account would be retained by SunTrust and there would be no issue. Of course, the check cleared on the XXXX at XXXX XXXX as I knew it would, but now I am unable even get a stop payment put on the check because SunTrust has cashed it with XXXX XXXX, which is the issuer 's bank. I have called every day trying to seek a resolution, but keep getting told there is an investigation and my account will be closed when the investigation is done. 

I believe SunTrust is in a direct violation of the Expedited Funds Availability act of 1987. They have denied access to my account and any funds for way longer than the law allows. Also, I believe them to be in direct violation of their own account rules and regulations. 
Title 12, Chapter 41 of the US Code and Title 12, Part 229 of the Code of Federal Regulations [ 1 ].

It will take 5 to 10 business days before the investigation is complete, 5 to 10 business days for my account to go into " closing status '', and another 5 to 10 business days before they would send the check for my remaining balance and I have already been cut off from all my funds for 8 days. My  power is off, I have XXXX small children and my car insurance is due. We can not survive. 

Someone please reach out to me. At the earliest possibility, as I previously stated my power is off and we have no way to feed our children.

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 2023-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have reached out to Transunion in regards to an account listed on my credit report requesting validation that this debt is in fact mine as I am a victim of identity theft and don't recognize the debt nor did I do business with the company. The company is XXXX XXXX XXXX XXXX XXXX with Account number XXXX. Transunion claims to have validated this account on several instances, but did not send me proof of how they validated this alleged debt or who validated this debt as requested. Below is listed the days I sent letters to Transunion seeking proof of this debt : Transunion XXXX XXXX XXXX XXXX XXXX XXXX Transunion continuously violates FCRA laws by not properly validating this alleged debt and refuse to remedy this account. 

The account number is XXXX with a balance of {$81.00}. 
15 u.s code 1681 a ( 2b ) The information that is on my credit report is inaccurate and I did not give any permission to any agency to report anything on my credit file.18 u.s code states anyone who is knowingly producing an identification, or false documentation to defraud as in result this is identity theft.18 u.s code 1028 ( a ) and I have no Knowledge of the alleged debt and no knowledge of the collection accounts I have made numerous attempts to have a fraudulent comenity bank account removed from my credit record. Despite submitting an affidavit, a police report, and an identity theft report, both XXXX XXXX and transunion have been unwilling to remove it from my credit history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$750.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: TrueAccord Corp.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I'M receiving email from an repersentative of XXXX XXXX XXXX XXXX XXXX ( current creditor of original XXXX XXXX XXXX account ) this email is from an repersentative of true accord to collect on a debt of an huge amont which was never borrow such amont.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX Under [ 15 U.S.C . 1681s-2 ] ( A ) Duty of Furnishers of Information to Provide Accurate Information. 
XXXX XXXX XXXX has violated my consumer rights under the FCRA and failed to maintain ACCURACY and INTEGRITY on my consumer report. 

( 1 ) Reporting information with actual knowledge of errors.

( 2 ) Reporting information after notice and confirmation of errors ( 3 ) the information is, in fact, inaccurate.

( 4 ) Duty to correct and update information unsuccessful.

I demand this account be deleted from my consumer report due the adverse effect on my reputation. 

under [ 15 U.S.C. 1681s ] The Federal Trade Commission shall be authorized to enforce compliance with the requirements imposed by this title under the Federal Trade Commission Act ( 15 U.S.C. 41 et seq. ), with respect to consumer reporting agencies and all other persons subject thereto.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: ALLIANT CREDIT UNION
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
My bank notified that they would be making changes to their bill pay service. I have been using these services to make automatic payments for years without issue. When the changes took place, I was prompted to add my billers again. In my recollection, at that time, I was only able to select a default address for the biller. I thought this should not be an issue, since my payments were always electronic, and I could find no way to edit the info. 

The next time I made payments, they were not posted to my credit card accounts within a week, and I was in danger of missing the due dates on XXXX accounts ( the auto payments generally take only a few days ). When I checked the bill pay records, it showed that they were mailed. The bank informed me that it might take XXXX business days for the checks to clear. By day XXXX, I learned that the checks were returned as undeliverable, and that my payments were late. 

I incurred nearly {$140.00} in interest and fees between the XXXX accounts, which I generally pay off monthly. The bank has responded that they notified customers to update their biller information, but I believe this was inadequate because the system was not prepared correctly for the update. 

I am including screenshots of my credit card statements to include the interest and fees, and also a screenshot of my bill pay record with the XXXX problem payments marked. The bank will have records of our communications in their apps messaging.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-15
Company: Asset Collections Inc
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have been referred to an agency because of a mistake a business made on a purchase. They refunded me ( in their opinion too much ) when I was overcharged for some floor tile. I have no credit account with company- they are trying to collect money not owed. Since I would not pay what they say I owed XXXX dollars- I was referred to a very aggressive collector. The collector not only wants the XXXX but a service charge for their service. They are contacting me at work after I told them the number is for work only. I told them I was collecting info to pass along to you and they continue to harrass me. 

They have called multiple times- attached is one attempt at collecton. 

XXXX if you see this and is anything other than a stealing your living in a fantasy world young man this is XXXX calling once again from asset collections Inc. we are the collection agency for XXXX XXXX XXXX XXXX XXXX ___ when you take something and you're supposed to pay for it and you don't it's called dealing young man you need to step up here and hold yourself accountable __ the best you can do in the way of making restitution to your victim being at XXXX pound stone if the best you can do to make restitution _______ __ ____ monthly payments then that's what you do what you don't do it you don't hide behind your voicemail OK my number here is XXXX extension XXXX XXXX it's not OK to steal from people you know that I'm guessing this is a result of the running into some cash flow problems with that's OK cause you can make restitution give me a call back and let 's get you set up on a monthly payment so you can get this thing paid and behind you telephone number is XXXX extension XXXX and by the way I invite you to speak with my supervisor here he's also happens to be the owner of this company his name is XXXX XXXX at the same telephone number at extension XXXX again my number is XXXX extension XXXX and it's XXXX asset collections case number here for you was XXXX and I will expect a return call promptly XXXX Please help me with them. This is a nightmare XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: EQUIFAX, INC.
State: IN
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:
I'm a natural person, I am a living being, I have rights under 15 USC 1681.or 15 U.S.C 1681 section 602 A. states I have the right to privacy. In accordance with the fair Credit Reporting act Collections- Source XXXX XXXX 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. 15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late any reasons. According to 15 USC 1681 : I have the right to privacy, and I did not give Equifax, XXXX, XXXX, written permission to furnish these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: GB Collects, LLC
State: CA
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:
GB Collects XXXX Attn : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Received a debt collection notice in early XX/XX/2023 for XXXX XXXX for {$130.00} with an invoice date of XX/XX/2023. Immediately disputed the validity of the claim on XX/XX/XXXX. Was called by the agent XX/XX/XXXX and asked for validity and proof. 

Received debt collection notice again in XX/XX/2023 with no verification or validation or debt. Responded in XX/XX/2023 immediately asking for verification. 

Received a debt collection notice in early XX/XX/2023. 

No debt verification has been provided after multiple requests.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I XXXX XXXX contacted XXXX multiple times about fraudulent activities on my Trusit checking account ending in XXXX. No one gave me a fair invistigation and I talked to XXXX from Truist and explain the fraudulent activity I noticed.XXXX XXXXXXXX stated to that I would of got a call back from a supervisor. I XXXX XXXX never got a call back from anyone in truist bank at all. I also stated to XXXX to have the bank rewind the camera from the atms to verify that I was not the person who used my stolen debit card.NO one from Truist still has not contacted me in months.

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