BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I've mailed the Credit Bureau directly due to the inaccuracy of the reporting and validation of 2 public records on my profile. The request to dispute was denied without substantial proof to have this inaccuracy reporting to my credit profile. 

Effective XX/XX/2017, any public record data must include name, address, SSN & DOB in order for it to appear in your credit file. The Credit Bureaus have not updated the information and per the new law, true Bankruptcy listed does not include this information and should be deleted from 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 2021-04-07
Company: DISCOVER BANK
State: TN
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:
These accounts have been sold. As to knowledge, I am no longer liable for the alleged debt, and no written communication, contract, or signature. A bill without a signature does not indicate that the debt is valid, and anyone may file a bill and claim ownership. I don't owe this debt, Please be aware this is an attempt to a violation of the FDCPA. The section 807 ( 8 ) it state if you can not validate the debt, you must request all credit reporting agencies to delete the inaccurate information from my credit report IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-29
Company: Thaxton Investment Corporation
State: SC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
A representative from SOCO Finance knocked on my apartment door at XXXX on XXXX XXXX, 2015. The representative continuously knocked for ten minutes and then placed a letter in the door. The knocking frightened my children as they were uncomfortable with someone knocking on the door at late hours and caused my dog to bark ferociously. Our apartment has a sign that states no soliciting and therefore there should be no one knocking to solicit any information especially at such late hours. I called SOCO Finance at XXXX on XXXX XXXX, 2015 to speak with the manager. I spoke with XXXX the manager concerning the issue. He said that he will continue to come to our house at such late hours and will come again tonight. He was very unprofessional during our conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15
Company: SUNTRUST BANKS, INC.
State: AK
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I disputed a claim by SunTrust Bank that I owe them in excess of {$100000.00} which they continue to report as owed and in collections. After the first contact, I sent them copies of documents showing that this loan resulted in a judgement that is now satisifed. In 2015, I also received a XXXX for this loan forgiveness. I do not owe them this debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-26
Company: I.C. System, Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I recently pulled my credit and discovered that this company has reported that I owe them a debt. To my knowledge I have never entered into a financial agreement with this company and neither have they ever provide me goods nor services.

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 2021-09-10
Company: SYNCHRONY FINANCIAL
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 a Synchrony Bank credit card XXXX account that was charged off. I settled this account out directly with Synchrony Bank for {$840.00} and the payment cleared my bank account. Months later now I am getting contacted by a collection company called XXXX XXXX trying to collect on the same debt. Not only has the account been resolved it is still on my credit file as if I owe and now a collection company is reporting I owe as well. 

Please help

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 2019-03-12
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am a XXXX XXXX years old disabled senior with major medical issues. In XX/XX/XXXX I suffered a XXXX XXXX XXXX, losing 30 % of my XXXX. I have XXXX XXXX XXXX, I am in XXXX XXXX, have XXXX  XXXX in my XXXX, causing incredible pain. This XXXX issue caused me to have a XXXX  XXXX implanted in me. The XXXX divers not XXXX, but the stronger XXXX : XXXX. In XXXX, we refinanced out home with Wells Faro under a Stated Loan Program in order to fund improvements to out home. At that time We were given aproximently a 6 1/4 % interest rate at the time. Since then, even after the XXXX crash, when interests rates plunged under 1 %, we were continually denied a refinance on out wildly inflated interest rate. At the point that I had my XXXX XXXX, and was thus prematurely retired from work. This out incredible strain on my wife, who overnight became the sole breadwinner for out house, with me and my college age son unable to contribute. At that point, we became delinquent on our mortgage payment due to the absurdly high interest rate that we were systematically denied for for years. We were continually denied after we explained out hardship to Wells Fargo, XXXX that put us on track for an unethical foreclosure. After numerous attempts to contacts Wells Fargo, we have been bounced around over the phone dozens of times, our hardship letter has gone totally ignored, any request for postponement or leniency has been met with silence until last month we were alerted of a sale date on our home. The NPV that is calculated by the Department of Treasury, we are told, gives us a XXXX or so on it, and while no one will give us any info as to how that is calculated, we have been told it is the main reason we can not refinance. This entire situation occurs because of a XXXX XXXX XXXX I underwent. We we're never delinquent before that occured, not once. I am physically unable to move from this house due to my health and this situation will lead to my early death if we can not get it resolved, and it will be wholly due to the unethical, immoral, XXXX disrespectful way Wells Fargo has handled This. Please help in any way you can.

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 2023-07-31
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14
Company: First Federal Credit Control, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My complaint is against First Federal Credit Control , INC. They apparently sent me a notice on XX/XX/XXXX about a medical bill that is owed to one of my XXXX. The amount is for {$140.00}. I do not remember receiving the notice, but I do have a notice they sent me on XX/XX/XXXX. Nowhere on that statement does it state that it was a second notice. I called and spoke to XXXX at First Federal Credit on XX/XX/XXXX. I informed her that I got the notice and I was paying the amount that I had on my Hsa card, which was {$62.00}. I payed that amount the same day. I let her know that within the month I would take care of the {$80.00} I still owed. On XX/XX/XXXX, I received an email that my credit score had gone down because of a medical debt that was reported to one of the credit bureaus. I called FFCC on XX/XX/XXXX to talk about why it was reported to an agency when I had spoke to her a week and a half before and made a payment. She was extremely rude and would not discuss the debt in a normal manner. I tried to explain that I have had multiple XXXX  this year and I am juggling many bills to different billing agencies. Her response was, just like everyone else has to do. Although that is true, not everyone has received medical bills totaling thousands of dollars with in a few month time period. I also asked XXXX when I called the second time why no one contacted my by telephone to let me know they were going to send it to a reporting agency or even verify that I was aware of the debt. Her response was that they called early XX/XX/XXXX and I hung up on her, which is not true at all. I find it very strange that she would not try back to see if the call even went through or it was the right number. The second call was very heated and she ended up hanging up on me. Is this standard practice if someone shows good faith with a payment? Are employees of debt collectors allowed to handle these situations however they like??

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this 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 2023-08-14
Company: WELLS FARGO & COMPANY
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
An account I follow ( XXXX XXXX  ) on XXXX raved about quick returns on XXXX XXXX  she did with ( XXXX XXXX  ) and I started a conversation with her to invest {$1000.00}. This person has a fake website with login & all. The received the money & confirmed that they have traded for bitcoins- after about 12hrs they asked for more money {$500.00} to upgrade brokerage account so as I can withdraw profits out of it. I sent {$500.00} as a charge ti upgrade brokerage account. 

After couple of hours they were like, the trade they bought for me had low signal and would not actualize into profits if the signals not upgraded and I would lose the original {$1000.00} too. If I dont send additional {$3000.00}. 
I was like no way im sending {$3000.00}. 
Then the person on other side like okay you pay half & Ill take care of the rest. And after sone conversation I sent XXXX XXXX  broken into {$800.00} & {$700.00} payments. 

And post that they tried to hack my XXXX & I refused to use any link sent by them. Reported to the bank within 2 days.

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 2023-08-11
Company: SG and Associates
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

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 2023-08-11
Company: T.S. Holdings
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
I wanted to speak to XXXX XXXX  about my Debt collection account. There is a number listed for XXXX XXXX  but after speaking to the agent it Was more of him trying to help me with a debt I ask if this was XXXX  XXXX  twice and both times was confirmed after giving the last 4 digits I was asked for a {$1.00} payment to get help with this issue. This is fraud because I asked if this was XXXX XXXX. I am worried about my social number and I was asked To push a Link. There number was XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-11
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:
I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : US SM BUS ADMIN ODA-Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX US SM BUS ADMIN ODA-Date of inquiry XX/XX/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 2023-08-11
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
I have received a cashiers check from fifth third bank. 
My bank. XXXX XXXX  says the check is not good and i need to call fith third bank to get this resolved. 
fifth third bank will not help or call me back because they say they paid the money to XXXX XXXX. 
Again XXXX XXXX says they did not receive the funds. 
I am out XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-29
Company: CITIBANK, N.A.
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I asked for information regarding how when I originally borrowed {$25000.00}  in 2007 an d my payments were $  XXXX  month  is my balance 10 years later over {$24000.00}?! I have never missed a payment during that time, and have a contract to sell the house and was shocked to learn what my balance was on this loan! Is this predatory lending? Whatever it is, it ca n't be right.

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 2023-08-11
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:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX are required to authenticate this accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$440.00} XXXX  XXXX XXXX Balance : {$4100.00} XXXX  XXXX Balance : {$17000.00} XXXX XXXX XXXX Balance : {$38000.00} XXXX XXXX XXXX Balance XXXX {$2400.00} XXXX XXXX Balance : {$0.00} XXXX  XXXXBalance : {$530.00} XXXX  XXXX Balance : {$1000.00} XXXX  XXXX XXXX Balance : {$3800.00} XXXX XXXX XXXX Balance : {$37000.00} XXXX XXXX Balance XXXX {$17000.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX Balance : {$4000.00} XXXX  XXXX Balance : {$17000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 Federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX Opened XXXX {$350.00} XXXX XXXX XXXX XXXX Opened XXXX {$510.00} XXXX XXXX  Opened XXXX XXXX XXXX error Needs attention {$2900.00} XXXX XXXX XXXX XXXX error Needs attention {$510.00} XXXX XXXX XXXX error Needs attention {$350.00} XXXX XXXX  error 30-59 days late {$290.00} XXXX XXXX error Needs attention {$2900.00} XXXX & XXXX XXXX error Needs attention {$510.00} XXXX XXXX XXXX error Needs attention {$350.00} XXXX XXXX error 30-59 days late {$290.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All of these accounts have violated my rights, Im a US Veteran that was stuck overseas during the Covid Pandemic, My ex wife which I have a Police report on file, Used my and destroyed my credit, I have tried on numerous of times to get these items deleted. 

15 U.S.C 1681 602 A States I have the right to Privacy 15 U.S.C Section 604 A Section 2. It also states a consumer reporting Agency can not furnish my account, without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) 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 convictions of crimes which antiendates the report by more than 7seven years.

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 2015-04-16
Company: The Regional Adjustment Bureau, Incorporated
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They have repeatedly called me and my family and they are rude and we 've asked not to call our jobs ... I have the number blocked off my phones but now they are calling my family members fishing for information and speaking rudely to them!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief