BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-27
Company: TRUIST FINANCIAL CORPORATION
State: VA
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 XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2020-02-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
This is in reference to the overdraft protection I have for my checking account with Capital One Bank.

The site states that " there is no transaction history available and to call a number '' - already suspect.

When you try and pay off your overdraft amount online, the transaction does not go through and no follow-up information is provided. This delays payment and affords Capital One the opportunity to collect interest on the loan. I find this devious and inappropriate.

I called the customer service number on my own accord and was told that there was a known glitch in being able to pay off the overdraft protection amount. This has gone on for over a year. I believe it prudent to see how much money Capital One is making in interest with the " glitch ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
THIS COMPANY WHICH I HOLD NO CONTRACT WITH REPORTED A COLLECTION ACCOUNT AGAINST MY SSN IN THE AMOUNT OF {$910.00} WITH CREDIT AGENCIES AND ALSO SEND ME LETTERS I REQUESTED VERIFICATION OF THE DEBT AND ACCOUNT HOWEVER THE BUSINESS FAILED TO PROVIDE ADEQUATE PROOF WITH MY SIGNATURE I DO NOT HAVE A CONTRACT WITH THIS AGENCY. CONSIDERING THIS BUSINESS DOES NOT HAVE A CONTRACT WITH ME FOR GOOD OR SERVICES/BUSINESS THEY HAVE PROVIDED NOR HAVE THEY PROVIDED ADEQUATE PROOF I AM NOT OBLIGATED TO PA FOR THE ALLEGED DEBT. I HAVE REACHED OUT AND SENT LETTERS SEVERAL TIMES AND ASKED THIS AGENCY TO VALIDATE THE DEBT THIS COMPANY IS CAUSING FINANCIAL HARDSHIP AS IT REPORTED ON MY CREDIT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-27
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX  XXXX / XXXX XXXX Account # XXXX violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-04-27
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX XXXXXXXX / XXXX XXXX Account # XXXX violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Medical Data Systems added a derogatory line on my personal credit. I did not authorize to release my medical information.

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 2019-06-23
Company: I.C. System, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I paid IC Systems in XX/XX/19 in the amount of {$230.00}. This is still showing as an open account and it needs to be settled and closed ASAP.

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 2017-09-29
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: Credit inquiries on your report that you don't recognize

Complaint:
I try to contact transunion, XXXX, and XXXX, about several inquiries in my credit reports that i did not do. I did not authorized companies to run my credit, I been a victim of identity theft for the past months. Someone had been trying open accounts under my name without success, this past months. And CREDIT BUREAUS had remove some inquiries. But since a couple days the same think started to happen all over and transunion and XXXX are ignoring my situation.

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 2022-04-27
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
i was incarcerated XX/XX/XXXX and was unable to make payments to my credit card lenders. i was released XX/XX/XXXX. 

during this time my mother was able to make some payments after obtaining a legal power of attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: Synovus Bank
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15
Company: Experian Information Solutions Inc.
State: DE
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:
XXXX still reporting several fraud account after numerous disputes filed with the credit report on accounts for XXXX {$1300.00} and XXXX XXXX XXXX {$5000.00} and XXXX XXXX XXXX {$5000.00} and XXXX XXXX XXXX {$330.00}

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 2020-04-23
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: Account information incorrect

Complaint:
APPEARING ON MY EXPERIAN REPORT, XXXX/XXXX  ACCT.NO.XXXX, IS being wrongfully reported as the result of a XXXX dollar billing dispute with XXXX.My credit history is destroyed by this single item.XXXX in addition balance chased and charged fees that are illegal.

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 2021-03-24
Company: Aargon Agency, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XX/XX/2021 they spoofed the number to where it made it look like it was from a legitimate company from where I live. I know this because the number they called from did not match the number they left on the voice-mail the number left on the voice-mail was XXXX thank you

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 2020-02-24
Company: Second Round Limited Partnership, Austin, TX Branch
State: MA
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:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25
Company: Monterey Financial Services LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX XXXX is reporting on my credit file. I have tried numerous times to get information from them but no answer. I have also disputed this account with the bureaus and the account is being validated but no proof has been sent to me. 

They are a collection company and reporting not only a balance but also a " past due '' balance as well as a late payment on XX/XX/2018. Collections agencies should not report a 30 day late as it is already in collection. 

The account needs to be reviewed for deleted or prof needs to be submitted to me as to the validation of this debt and payment history would need to be updated right away. 

I have attached a copy of my credit report which shows how the account is reporting on my credit. Page 1.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05
Company: Diversified Consultants, Inc.
State: MN
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The company XXXX XXXX was contacting me and attempting to collect a debt for my father, XXXX XXXX without his or my permission or consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-27
Company: GOLDMAN SACHS BANK USA
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have tried numerous times to log into https : //www.marcus.comXXXX to access my credit card account info including the current payment due so I can pay the card. The web site does not work. I then called the credit card number provided, XXXX, and could only obtain my balance information ( after 2 disconnects on their end ) and could not get payment due nor could I get a real person to talk to. My credit account transferred to Marcus by Goldman Sachs in XXXX. I had an issue last month as well ; couldn't log onto the site and couldn't get anywhere with trying to call customer service. This is unacceptable and frustrating. I shouldn't have to file anything about this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-10
Company: EQUIFAX, INC.
State: FL
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:
This credit bureau has been notified that this account is not mine and  may  have been obtained fraudulently. The companies are  XXXX   XXXX  and  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29
Company: Diversified Consultants, Inc.
State: OK
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:
On XX/XX/XXXX, I submitted a complaint ( # XXXX ) regarding Diversified Consultants, Inc. ( DCI ). DCI was reporting an {$88.00} debt of which i had never been notified or contacted. They did respond and agreed to remove this account from my credit file. Their response letter stated " DCI has  ceased collection efforts and closed the account in our office. A deletion request has been submitted to the credit bureau. '' On XX/XX/XXXX I received alerts from all 3 credit bureaus that DCI was again reporting this same account they said they would delete. 

Please see attached letter, from Compliance Analyst XXXX XXXX at DCI. This letter is DCI 's  response to my initial complaint ( # XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-08
Company: STATE FARM BANK, FSB
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX, XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 filed a complaint with TransUnion, XXXX, and XXXX about the following accounts : Account name : XXXX XXXX XXXX 
Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : Child Support Enforcement Account number : XXXX Account name : XXXX  XXXX Account number : XXXX These companies violated my federal rights. 15 U.S.C. 1681 Section 602 ( A ) states : I have the right to privacy. 15 U.S.C. 1681 Section 604 ( A ) states : Consumer Reporting Agency can not furnish an account without my written instruction. XXXX XXXX has been deleted from my XXXX Credit Report, TransUnion Credit Report, and XXXX Credit Report. XXXX XXXX has been removed from my XXXX Credit Report but not from my TransUnion or XXXX XXXX XXXX. I do not understand how it can be removed from one Credit Bureau but not the other two. XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX chose to ignore my request for deletion and simply updated my accounts. By updating my accounts, they violated the same Federal Rights that I informed them that they previously violated. I have spoken with legal counsel, and he informed me that i have every right to move forward with legal action resulting in financial compensation for not only violating my Federal Rights once but ignoring my request of deletion and updating the account and once again reporting it to the credit bureaus without my written instruction. i am 100 % certain i have not given my written instruction to anyone/company. I have decided to file one more complaint before taking legal action and i am again requesting that those accounts be deleted from my credit report immediately. Once the accounts are deleted, I'm requesting a copy of my updated credit report sent certified mail so there is an independent witness to it being delivered. Thanks in advance for your cooperation. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2020-02-23
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had successfully disputed an account I had in my collection account through XXXX XXXX last month. It was removed due to the amounts being incorrect and me having no knowledge of. Then as of XX/XX/2020, it had reappeared on my XXXX  and XXXX report as an entirely new debt collector. I've been in several attempts in the past to have this removed and have been getting the loop around never gotten followed back up with. Then I learned I could dispute. But it seems it worked then had been reopened and added back. It's becoming very irritating and I'd love for some assistance with the matter. The amount is XXXX and original creditor was XXXX XXXX now reopened in collections on my debt as Southwest credit system.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: RUOFF MORTGAGE
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XXXX of XXXX, due to loss of employment and income I requested forbearance under the Cares act due to the loss of income. As of XXXX of XXXX I was out of forebearance & per the cares act the lender placed the forebearance amount at the end of my mortgage or or when it is paid off. I have been current on all payments since exicting the forebearance plan under the cares out, however, I recently pulled a credit report and was surprised when I see that Ruoff Mortgage had added comments to this tradeline with the the credit agencies that the loan was modified and the modification occured under a non-governemnt plan. The loan in question is an FHA loan, the forebearance occured and terms were modified under the Cares act per the representatives I had spoke to at Ruoff I had met the terms and requirements under the cares act. Since learning of this I have reached our to Ruoff in an attempted to get clarity and retify the in accurate reporting, however, my attemps have been unsuccessful because I am either placed on hold for an extended amount of time or transferred through numerous representatives that failed to be able to provide me with any accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: SN SERVICING CORPORATION
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I entered into forbearance in 2020. At the end of my forbearance my mortgage company required a large good faith payment, along with doubling my monthly payments. I asked if I could get a deferral and was denied. A deferral would allow me time to refinance with a cash out and pay back the missed payments. They are not being helpful and I'm met with resistance with every suggestion. I can pay my monthly payments, but asking me to double the payments puts more strain on my finances, meaning I would have to default on other debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23
Company: CREDIT WORLD SERVICES, INC.
State: OK
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:
CREDIT WORLD SERVICE Last reported XX/XX/2020 {$1000.00} Open balance XXXX UNIVERSITY XXXX XXXX Original creditor Report info Take a look at some options to help your score

Company response to consumer: Closed with explanation