BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-19
Company: Radius Global Solutions LLC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have vehicle lease account with XXXX XXXX XXXX that was properly paid for and closed on XX/XX/XXXX. As I changed address after the account was closed, I did NOt receive any further communication from XXXX. But, I get a call from a credit collection agency, XXXX XXXX XXXX, on XX/XX/XXXX regarding a debt to XXXX. I requested a written notification, which they sent me on my new address. The bill was for : excessive wears and tears and a purported missing key for a total amount of {$700.00}. I contacted XXXX and disputed the missing key. XXXX told me the account was closed and that the additional debt was sold to the credit collection agency ; therefore I had to work it out with the collector. I contacted the collector over the phone and we agreed on the amount of {$490.00} to settle the debt. However, until now the original account is still appearing as " open '' with XXXX, with a debt of {$210.00}. I have been disputing that over the last 3 years, but XXXX   keeps telling me that this is what XXXX reports to them. Each time I contacted XXXX at XXXX to request that they either : 1 ) report the account as " closed '' or 2 ) send me a bill in the mail with payment instructions. But, each time the department refused to do so nor will they provide the phone number of the department to contact. All, the tell me is to write to their collection department, which does NOT have a phone number! Worse, the phone number ( XXXX ) listed on the credit report does NOT belong to 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 2023-10-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Never done business with the third party attempting to collect this debt. Dont know how they received my personal information. This is a violation of my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: EQUIFAX, INC.
State: MS
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 disputed this on XX/XX/2022 XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, ND XXXX and I have not heard from them either. They didn't send me any validation. I don't remember getting their credit card. I never seen them before.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28
Company: CITIBANK, N.A.
State: IN
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I was on XXXX from my employer. It has a 2 year time period in which they examine your case every 6 months then at the 2 year mark if they find you still XXXX it is for life. I was found to be XXXX until the second year mark according to my XXXX insurance. I am appealing this and probably have a malpractice suit with my primary doctor. I have had no income since XXXX XXXX. I also have a hearing with a judge on XXXX XXXX to see if I qualify for federal XXXX. I am doing some XXXX work when I feel like it for my brother and he is paying me a little.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The following creditor is showing on my credit report and I have no knowledge of this account : XXXX XXXX XXXX XXXX XXXX  Amount owed {$630.00}

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 explanation
Consumer complaint received 2022-09-07
Company: Blackhawk Network Holdings Inc.
State: MS
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I sent the gift card to someone and they can't be able to redeem it. 

I emailed XXXX, the credit card and the Giftcards.com They won't help me with my situation. In attachment document... I have proof that there is no XXXX XXXX gift card. 

on XXXX XXXX account. 

Then Giftcards.com response was send her a card so she can redeem it. 
I told them that we aren't going to redeem it, we want our money back. 
They won't refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 am a natural person Im a living human being I have rights under 15 USC 1681 XXXX is governed by 15 - USc 1681 and they have violated my rights numerous times I demand the accounts listed below be removed because according to 15 Dash USC 1681 I have the right to privacy and I did not give XXXX written permission to furnish these accounts this may be a case of identity theft which happened during the XXXX data breach XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Under the Fair Credit Reporting Act, XXXX  Account XXXX for XXXX XXXX has violated my rights. 

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 also states that a consumer reporting agency can only furnish an account with my written instructions.

I have enclosed copies of the letters I sent to the credit agencies, the credit agencies ' responses, a full copy of my credit report, and the discrepancies that the different credit agencies show on the Account.

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 2023-10-11
Company: PENTAGON FEDERAL CREDIT UNION
State: IL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I had a Student Loan with PenFed and got my life changed and became a handicapped person that makes no income for ever due to XXXX XXXX XXXX. I requested a loan cancellation three times and they disagreed regardless of Medical Evidence and Availability from Doctors.

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 2018-05-21
Company: HUNTINGTON NATIONAL BANK, THE
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check written in another name. Bank put a hold on the account for the funds and will not release them after the check has cleared through the bank. Bank has opened a savings acct and will not release funds unless the other party comes into a branch location and endorses the check, ( which has been already done ). Other party lives outside the state and I was simply cashing a CASHIERS CHECK for her since she didn't have a bank account herself. The check has not been reported lost, stolen, etc and the longest the bank can hold the funds is 30 days. It has been over that time and the fraud department advised me there is nothing that can done to release the hold on the account. I believe this is total discrimination and I need the funds to be released asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: EQUIFAX, INC.
State: UT
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:
XXXX XXXX  XXXX XXXX XXXX  # XXXX is reporting an account to my credit that is past the Statute of Limitations in Utah . I no longer legally owe this debt and I need it removed off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
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 status incorrect

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

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 2022-09-07
Company: TRUIST FINANCIAL CORPORATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. 

You are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by Truist Bank due to the response I received. 

Furthermore, because my social security number ( credit card ) was used and i received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of Truist Bank

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 2017-09-11
Company: EQUIFAX, INC.
State: OR
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:
Equifax left their systems, and by extension, millions and millions of American 's incredibly sensitive information at risk of hacking by criminals. For a company that collects this much personal and private information about this many people, they should have had greater measures of protection in place. It is ridiculous that criminals could hack into a system with this much personal information. 144 Million people were potentially affected which is over half of the credit-utilizing adults in United States. Each of them, including myself, is now at risk for identity theft or fraud for YEARS to come into the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: ProCollect, Inc.
State: NV
Product: Debt collection
Sub-product: Rental debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
About a year a ago, I filed a complaint with the CFPB against XXXX XXXX XXXX. At the time they were threatening to damage my credit score if I didnt pay them {$12000.00} on an un-used apartment rental lease. I threatened to hire a lawyer and they appeared to back down. this notification was received by certified mail. 

I explained in detail why I could not honor that lease. 

In XXXX, following the Covid lockdowns, XXXX XXXX was offering a Pre-lease to fill the building, but they said that I could not move in until XXXX of the next year. The building I was living in had just been sold. So I told XXXX XXXX that if I was evicted from the sold building before the move-in date in XXXX. I would have to make other arrangements. The sale rep said ok. Two months later, I was evicted. It was XXXX. I walked to the XXXX XXXX building and asked them to allow me to move-in immediately. They said that they did not own the building yet ; they could not do it. 


At the time my credit score was above XXXX. And it remained between XXXX and XXXX up until XX/XX/2023. In early XXXX, I filed a new application to rent an apartment at XXXX XXXX XXXX. About 3 weeks later, XXXX XXXX approved me, but with conditions. They said that because there was a rental collections on my report, I could not self-guarantee. They said that they would waive it if I agreed to pay an additional {$130.00} per month. Upon checking my credit, my score had dropped to XXXX. Apparently, XXXX XXXX filed a claim against my report for a {$350.00} reassignment fee while i was applying for a new apartment, so that they could use it against me. This was a total surprise because I received no notification from XXXX XXXX about a reassignment fee. 
It is clear to me that when I visited their office to apply for a new apartment, they decided to retaliate against me by damaging my credit. I spent the next XXXX weeks looking at other apartments, but it was obvious that no one would rent to me. 

Finally, I decided to go back to XXXX XXXX and pay the extra {$130.00} per month. 
But, to my surprise again, XXXX XXXX refused to honor their own approval letter. In addition, they refused to refund my {$200.00} application fee. 
I have tried to hire a lawyer, but there is not enough money in this to interest anyone. I've called the state AG 's office, but they only exist to represent state agencies. So far, I am having a great deal of trouble getting anyone to care about what happened to me.

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 2020-06-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had a Capital One credit card that I had as a teenager, maxed it out, and never payed it off. Now as an adult, I wanted to right that wrong. I called Capital One on XX/XX/2020 to pay in full. After giving a representative my debit card info and ending the call, I checked to see that the charge went through. The card was finally paid off. Learning that Pay For Delete is not a helpful practice, to I started disputes with the credit bureaus to have the overdue amount removed. Now today, XX/XX/2020, through XXXX dispute, they have not deleted what I paid in full, and continues to hurt my credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX  XXXX XXXX XXXX XXXX spouse name is wrong XXXX XXXX XXXX XXXX XXXX XXXX another XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ftc violatiion data brach cause the inaccurate information on my credit filed FTC violation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Checking account is reported as fraud. 
XXXX ref # XXXX date XX/XX/XXXX Check Account Abuse Wells Fargo ref # XXXX date XX/XX/XXXX Account Closed - Purged XXXX  acct # : XXXX date XX/XX/XXXXXXXX XXXX acct # : XXXX date XX/XX/XXXX XXXX Acct # : XXXX date XX/XX/XXXX XXXX Acct # : XXXX date XX/XX/XXXX Wells Fargo Acct # : XXXX date XX/XX/XXXX Wells Fargo Acct # XXXX date XX/XX/XXXX Account Closed - Not Reason XXXX XXXX  Acct # : XXXX date XX/XX/XXXX XXXX XXXX Acct # : XXXX date XX/XX/XXXX XXXX Acct # : XXXX date XX/XX/XXXXXXXX XXXX  Acct # : XXXX date XX/XX/XXXX XXXX Acct # : XXXX date 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 2018-10-16
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am currently disputing debts that are allegedly owed on my credit reports. I have sent numerous letters to the collector to validate other alleged debts - which they have not been able to validate and now they have added another older debt onto my report for {$930.00} and {$980.00} dating back from 2012. Ever since I have asked for validation from this collector they are arbitrarily and viciously adding more debts without my knowledge that the debt even existed without sending me proper notices for validation. I have been sending these letters of validation and they have failed to validate that any of these alleged debts are mine without proper proof. Furthermore, these debts are outside of the statute of limitations. I will also be filing complaints with the XXXX  and the Texas Attorney General 's Office today.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05
Company: Consumer Portfolio Services, Inc.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
on XX/XX/17 received a letter from the company stating I owe them {$16000.00} I feel I do n't because the car was too much from the beginning they did n't fix the car like they problem I told them to come and get the car I was not able to afford the car I was not working I try to go back to that dealer ship they was no later there.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit reporting 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:
On XXXX XXXX XXXX SYNCB/LOWESCML ( Retailer ) inquired about my credit score without my consent. Also, my credit report shows a current new address that does not belong to me. I called XXXX on XX/XX/, and filed a complaint about this matter.

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 2022-12-13
Company: Experian Information Solutions Inc.
State: MD
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 submitted a letter to the 3 Credit Bureaus to correct this suspicious information. 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. This was already included in my prior COMPLAINT #, and I'm including it 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 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 2022-09-07
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Good afternoon, Re : Suntrust Mortgage XXXX XXXX XXXX XXXX XXXX - Escrow officer - Title Company In XXXX, my spouse XXXX XXXX XXXX and I refinanced our mortgage. We both were borrowers on the previous mortgage and assumed we were both borrowers on the refinance and have closing documents as well as mortgage statements, which reflect such. The escrow officer was my husbands sister, who I trusted. ( Now XXXX ) We divorced in XXXX, and I was awarded 100 % ownership of the property. A divorce decree and a filed Special Warranty deed reflects this. 

When Covid hit and I became XXXX I contacted the mortgage company and at which time I was told I could not communicate with them because I was not on the mortgage. This news Was a huge surprise. 

After further review of documents I received at the time the divorce I noticed a signed POA from my Ex- husband, had been notarized, but the notary had stamped it, but didnt sign it. 

The notary- was the Ex- sister-in-law ( she had remarried, so I didnt recognize the name ). 

These circumstances have now caused my mortgage to be in default and in foreclosure. 
I have lived in my home for 19 years and have equity but have been unsuccessful at having anyone acknowledge this. I stop the payments until I could solve the issue of ownership.. 

I have tried to communicate with loan provider, to take over loan, modify, loss mitigation, new loan, but no communication. I was told to file XXXX so I could claim debt. ( which I did for that purpose only ) Filled out loan applications, etc. 

Unable to locate Ex and notary will not communicate or acknowledge the error. 



I dont know what else to do I just want to Continue to pay my mortgage and live in the residence. Just need some assistance. 

I hope the info provided makes some since and this situation can be reviewed and I can provided addition info for clarification. 

Thank you for your time. 

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