BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-13
Company: Synovus Bank
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
first progress had XXXX account # XXXX # XXXX acct # XXXX that they alleged that i owe i ask them to send some type of agreedment i had with them in they sent paymnent history i do not owe this debt please have them to verify the debt i also made a call with the company they transfer me to relant collection when the rep had a very nasty attitude as i told her i want them to stop cease and assist any reporting she than said 1st progress has the debt but not collecting in it and she has no knowledge on the above references hung up on me please help me to related the messages to show proof of the debt. also to remove all information i sent a ftc report in a police report they did not hornor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: Experian Information Solutions Inc.
State: FL
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 submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 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

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 2023-01-24
Company: Experian Information Solutions Inc.
State: MS
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 asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please update my name to : XXXX XXXX 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

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 2020-07-22
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Constant calls for family member who lives hundreds of miles away and whom I haven't lived with for 20 years. Call personnel cell phone which I have never shared with family member. Caller says they received my phone number via XXXX Skiptrace service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please update my name to : XXXX XXXX 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

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 2018-08-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
XX/XX/XXXX Bank of America transferred my title to XXXX XXXX by fraud upon the court. Racketeering, forgery, false affidavits, mail fraud, wire fraud, FALSE PROOF OF CLAIM, EXTORTION TO PAY OR SEIZE MY PROPERTY. A {$130000.00} refinance was grossly inflated to {$430000.00} debt filed in the Federal bankruptcy court seeking relief to go back to the State court for eviction. They took away my homestead exemption since XX/XX/XXXX. I AM NOT IN DEFAULT BY PROVSION 4. THE DEBTORS RIGHT TO PAY OFF THE LOAN IN FULL. 8 years litigation (XX/XX/XXXX -XX/XX/XXXX ) instead of fixing errors. QWR never fixed. {$54000.00} in illegal kickbacks added to my debt. Countrywide was a scam not a mortgage loan. We all know it. I demand my property returned and my title restored. The certificate of title was fabricated as well. No legal chain of title. No bank will finance this property FACT. TEXAS NOTARY XXXX XXXX XXXX was a willing participant with the XXXX XXXX XXXX XXXX IN XXXX - RE FILING inXX/XX/XXXX-XX/XX/XXXX the same documents to steal my property thaXXXX XXXX XXXX XXXX fabricated. So, is racketeering legal if you work for BANK OF AMERICA - is forgery legal??? No justice in 8 years. WHO PROSECUTES, WHO INVESTIGATES?? PRIVATE auctions are held to cash only investors and foreign investors Why? Because no bank will finance title fraud. Not one investor bid on my property because of the title damage. 5 law firms are guilty of civil theft aiding Bank of America XXXX and a XXXX XXXX XXXX   ( 1 ) this is a felonious intent with malicious harm to evict with no legal standing. XXXX XXXX  was sent 2 certified letters to resolve and took no action for pay off. I am not in default, I can afford a mortgage, but not extortion. I want an investigation and my property returned, title fixed, homestead restored.The government needs to be transparent and I request full disclosure under the freedom of information act - why has no one has taken legal action of crimes of property theft in FLORIDA. Why is an XXXX XXXX   over the age of XXXX constitutionally mandated to retire working full time at age XXXX?? violating constitutional law and aiding Bank of America to steal my property?? I want an investigation that has been swept under the rug for 8 years. Sincerely, 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 2022-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
As of XX/XX/2022. Transunion has dropped my credit score from XXXX to XXXX. A bill was removed from the said credit report with Transunion. I should have gained points not lost points and they are repeatedly doing this. A bill is removed and they are dropping the score every other month by XXXX points instead of my score being at XXXX by now. I dispute it they removed the bill and dropped my credit score. XXXX has my balance at XXXX is XXXX plus XXXX. Balances need to be fixed. XXXX was removed from credit bureau Transunion and not from XXXX also. So it's on XXXX but removed from Transunion.

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 2023-07-12
Company: Experian Information Solutions Inc.
State: NV
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 have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT.I 've proactively remembered this report from a past letter and I am including it oncemore. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 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 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 2020-01-03
Company: CITIBANK, N.A.
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We received a 2nd mortgage from CitiFinancial , Inc. on XX/XX/XXXX. We received an offer a few months later to borrow additional funds at a lower rate and rewrote the 2nd mortgage with CitiFinancial , Inc. on XX/XX/XXXX. The loan on XX/XX/XXXX included a payoff of the original loan on XX/XX/XXXX. 

We are now in the process of selling the home and the loan servicer filed a release of the XX/XX/XXXX loan on XX/XX/XXXX ; however, there was no release filed on the original loan when it was rewritten on XX/XX/XXXX. We have to get this cleared up before we close on the home. If we do not, the lender will pay the amount of the XX/XX/XXXX to CitiFinancial, when it was already paid in full. 

Please advise what we can do to clear up this issue. I have contacted CitiFinancial,  however, you can only reach them by email or by leaving a message.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10
Company: Comerica
State: WY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
I was issued a debit card, not at my request, on Comerica Bank by the state of Oklahoma for my income tax refund. When the opportunity to use the whole amount of the card at a retailer presented itself, I attempted to use the card. When the card was rejected, the retailer called the number on the back of the card. I spoke with " XXXX '' who confirmed that the amount of the card was the same amount that was being charged ( {$950.00} ) but who said that if I charged that amount, the transaction would be rejected for insufficient funds! When I asked how that was possible, he could not say. When I asked what amount could be charged, he would not say. XXXX then transferred me ( with a long on-hold wait ) to a woman in " finance ''. She told me that my balance was no longer {$950.00} because of fees charged to the balance. When I asked her what fees had been charged, she said I was only allowed XXXX free calls to learn my balance. When I pointed out this was the XXXX call ever made and it was not to learn my balance, she went to what turned out to be a stock reply : " Did you read the terms and conditions you were sent with the card? '' When I asked who was charging fees to the card, she insisted it was the state of Oklahoma. ( I would be fairly certain it was Comerica Bank! ) After several more rounds of refusing to tell me what charges had been made against my account and not telling me my balance, she finally told me that my balance was now {$940.00}. I asked if I could now charge {$940.00} on the card, she said I could not because my balance was now {$940.00}. I successfully charged that amount. I believe that Comerica Bank unjustly charged my unwanted debit card {$6.00}. I still do not know why. There must be many other victims of this fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: ALLIANT CREDIT UNION
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
my credit report has been reporting multiple inquiries that I have not authorized nor have knowledge. In XX/XX/2021, I purchased a vehicle form a dealership, but I already had a pre Approval from my credit union " Illinois XXXX XXXX XXXX. While giving my information to the dealership I noticed my credit was ran multiple times for potential lenders that I did not authorize and it is still negatively affecting my credit report to this day. To remedy this situation, I contacted XXXX and notified that these inquiries were not authorized and should be removed due to the negative affect on my personal credit score and report, for potential lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed the items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you.Please block/remove these files. 
XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$120.00} ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX WA XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are 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 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 2015-08-14
Company: Pinnacle Credit Services, LLC
State: NE
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I requested XXXX XXXX 2015 via certified letter that I am disputing the debt and requested original documentation of the debt because they are reporting this negatively on my credit reports. They did n't respond to my letter. I also filed a complain with the XXXX. This is the response from the XXXX : After numerous attempts via telephone and certified mail trying to reach Pinnacle Credit Services LLC, they have chosen not to respond to our requests. We understand this does not resolve your complaint against the company and empathize with your frustration over this issue. We will be closing the case as " unanswered ''. Your complaint will remain in the company 's XXXX XXXX XXXX for 36 months, our standard reporting period. That review is made available to the consuming public, the news media and various regulatory agencies. Your complaint will reflect the lack of response by Pinnacle Credit Services LLC. Your complaint may spare another consumer from having the same experience that you had. If the company contacts you and a resolution is reached, please let us know so our records are current. Thank you for using the XXXX 's services. I have also filed a complaint with the Attorney General of XXXX and XXXX. I am at a loss on what to do next. They should not be able to conduct business in this way when they are consistently not following the FDCPA. This company has an extensive amount of complaints against them and needs to be held liable for their poor practicing tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
Company: EQUIFAX, INC.
State: LA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX 18 usc 241 and 242 15 usc 1691c 15 usc 1692k 15 usc 1642 15 usc 1681m 12 Cfr 1002 12 Cfr 1002.7 All parties failed to conduct a reasonable investigation pursuant to the FCRA, they failed to review all relevant information provided by me pursuant to the FCRA, failed to correct and update the accounts credit report, and failed to take appropriate measures upon notice of the disputed debt as outlined in the FCRA. The Complaint asserts a single cause of action alleging numerous and multiple willful, reckless or negligent violations of the FCRA, and seeks actual and statutory damages pursuant to 15 U.S.C. 1681n ( a ) ( 1 ), punitive damages pursuant to 15 U.S.C. 1681n ( a ) ( 2 ), and reasonable attorneys fees as iam Attorney-in-fact and costs pursuant to 15 U.S.C. 1681n ( a ) ( 3In accordance with United States Codes and Federally protected consumer rights these violations are noted and probably more, 1026.13 Billing error resolution.

18 U.S.C S.s.1029 Violation 18 U.S.C c.47 Violation 18 U.S.C S.s. 1030 Violation 18 U.S.C 1644 Violation 47 U.S.C 325 Violation Notice : The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age ( provided the applicant has the capacity to enter into a binding contract ) ; because all or part of the applicant 's income derives from any public assistance program ; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act I wish the every violation get investigated.in an timely manner thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21
Company: Pinnacle Credit Services, LLC
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I was told that I have this XXXX XXXX debt that I did not obtain. I filed a fraud claim with XXXX XXXX back in 2014 and was told that they do not have any substantial information to say it was mine. I do n't understand why I am still getting harassed to pay a debt that I have already filed a fraud claim for and was told they did not have a signature or anything on file. So I need for the XXXX major credit bureaus to permanently take this off my account and I need these debt collectors to understand that this was fraud and my personal information was used. They are selling each other debts that is useless and fraudulent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
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 written dispute letters to XXXX, XXXX and XXXX and the creditor in regards to derogatory and negative closed accounts that are on my credit report. All letters were notarized and sent via certified mail starting in XX/XX/2018 and 30 days after each letter was received by the credit reporting companies in XX/XX/2018 and XX/XX/2018 and to the creditor on XX/XX/2018. The credit reporting agencies are saying they have verified the items but are not able to provide me with original documentations ( consumer contract with my signature ) showing that these accounts were indeed open by me. Nor are they responding to my request to state who verified these items and the method used for verification as required under Section 611 ( a ) ( 7 ) FCRA states that credit reporting companies must have a copy of the original creditors documentation ( a consumer contract with my signature ) on file to verify that this information is mine and is correct as required by Section 611 ( 5 ) ( A ) of the FCRA.

All creditors have sent me letters they do not have any original documentation. But have not removed accounts from my credit reports

Company response to consumer: Closed with non-monetary relief