BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 sent several disputes in the past to have the account reported under XXXXXXXX XXXX XXXX  removed from my credit reports due to being inaccurate. I contacted XXXXXXXX XXXX XXXX  to dispute the information as well and have yet to receive a response. XXXX removed the inaccurate information reported by XXXXXXXX XXXX XXXX  but TransUnion and XXXX have not. The latest letter I sent to TransUnion and XXXX to exercise my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request " a description of the procedure used to determine the accuracy and completeness of the information ... ect. Neither TransUnion nor XXXX, have provided me this information in the 15 day time period allowed and I am making this complaint to show abuse, bias, and prejudice by them not affording me my rights under the FCRA or deleting the information 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 non-monetary relief
Consumer complaint received 2022-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 I sent a Notice of validation of debt pursuant to 15 USC 1692g, asking for the accounting, particularly the balance sheet, showing that I owe this alleged debt. 
XXXX I received a letter from XXXX XXXX XXXX asking me to settle the account without sending me the requested material and validating the alleged 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 non-monetary relief
Consumer complaint received 2023-08-29
Company: Resurgent Capital Services L.P.
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I disputed the debt with XXXX XXXX who did not have a signed contract and did not validate the debt. They sent me a letter declaring that I did not owe the debt and they removed from credit report. Resurgent refuses to remove debt although I have sent letter from XXXX XXXX to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13
Company: Persolve, LLC - Legal - Series 2
State: IN
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This company has been reporting to the credit bureaus twice a month every month and they have added almost {$6000.00} of interest on to an original amount. I first reached out to them back in XXXX of 2021 and ask them nicely to send proof of the debt and the original contracts, and then reach out to them again a second time a month later because I hadn't received the paperwork. I was told that they were working on it. Two separate times a month apart they have refused quietly to give me my information. XX/XX/XXXX I hired a lawyer to force them to give me the paperwork and they have yet to correspond to even that much, I have also disputed the debt the other credit bureaus and I have not received anything on that either. On my XXXX report they have removed the debt collection and then re-add it it a few days later. They were instructed not to continue to report by the lawyer and continue to do so. I asked them for the original contract and they told me that the original contract stated that they could continue to add interest every single month but would not give me an itemized deduction sheet as to where that came from. They also told me that they have the paperwork ready to sue me in court, and informed me that they would be ready to do so very soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Filed for Mortgage Application on XX/XX/2020. 
I've been asked for so many documents including work documents, new company documents, social security number, other sensitive numbers many times. It started in XXXX then they asked for more information in XXXX. 
They have asked for the same information 3 or 4 times. 
XXXX XXXX never calls you back. He never responds at at this point I think it's a scam using BBT name. 
Location has been tracked down to North Carolina. 
Many follow-ups for information has not been resolved with the bank why I think it's a SCAM. 

I will be calling the NMLS agencies to help stop the fraud. Thank you, XXXX XXXX XXXX Mortgage Loan OXXXX NMLS ID : XXXX Office : XXXX Mobile : XXXX Main Office XXXX XXXX XXXXXXXX XXXX XXXX NC 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 2023-11-06
Company: Resurgent Capital Services L.P.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Electronic communications
Sub-issue: Frequent or repeated messages

Complaint:
I keep receiving e-mails from Resurgent capital services. I requested a debt validation, cease and desist and correspondence via mail only. I also requested a purchase agreement showing proof that the company can collect the alleged debt. They have ignored my email and keep on sending me emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07
Company: WELLS FARGO & COMPANY
State: SD
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
account was used under my name and wells fargo seems to be unwilling to get it taken care of ... charged me fees and made me make payments ... also continue to report to credit bureaus ... i 'm even wondering if I even applied for it after all the information that has come to light ... they will not asset or even listen.. they need to be investigated and find millions I know Im not the only XXXX to be singled out for them to be able to bill fees and take advantage

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 2022-02-13
Company: Affirm Holdings, Inc
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: Account status incorrect

Complaint:
My name is XXXX XXXX and I am a consumer submitting this complaint myself. There's an account on my consumer report that is reporting delinquently and inaccurately. 

First of all, the account payment history is included when in fact the FCRA says that a consumer report must exclude the following : report containing information solely as to transactions or experiences between the consumer and the person making the report. 

In this case, AFFIRM INC is the furnishing the very thing that is excluded from the consumer report which is the transactions and experience between myself and the corporation, AFFIRM INC .

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
In order to receive assistance from a student loan repayment assistance program, I require a letter estimating what monthly payments I would need to make on my loan to pay it off by XX/XX/2022. The servicer is willing to state orally over the phone what payments I would need to make, but is unwilling to provide a letter with the amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26
Company: Westlake Services, LLC
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This complaint is being filed against WestLake Financial Services for Violating my rights pursuant to Florida State Statutes 537.012 Repossession, disposal of pledged property ; excess proceeds. ( 3 ) Upon  taking possession of titled personal property, the lender may dispose of the titled personal property by sale but may do so only through a motor vehicle dealer licensed under s. 320.27. At least 10 days prior to sale, the lender shall notify the borrower of the date, time, and place of the sale and provide the borrower with a written accounting of the principal amount due on the title loan, interest accrued through the date the lender takes possession of the titled personal property, and any reasonable expenses incurred to date by the lender in taking possession of, preparing for sale, and selling the titled personal property. At any time prior to such sale, the lender shall permit the borrower to redeem the titled personal property by tendering a money order or certified check for the principal amount of the title loan, interest accrued through the date the lender takes possession, and any reasonable expenses incurred to date by the lender in taking possession of, preparing for sale, and selling the titled personal property. Nothing in this act nor in any title loan agreement shall preclude a borrower from purchasing the titled personal property at any sale. 

10 days prior to sale lender did mail out a Notice of Plan to Sell Property with time and date and stated Private Sale - Pursuant to Florida Statute 537.012 ( 3 ) may do so only through a motor vehicle dealer licensed under s. 320.27 as well as failed to provide place of the sale and provide the borrower with a written accounting of the principal amount due on the title loan, interest accrued through the date the lender takes possession of the titled personal property, and any reasonable expenses incurred to date by the lender in taking possession of, preparing for sale, and selling the titled personal property. 

Notice does state if I want any of the above information I needed to contact them but the statute clearly states they need to provide all information 10 days prior to sale. 

I have attempted to disputed through all 3 major credit bureaus but above subject matter was ignored. Reattempting dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
A credit. Add was opened with out my consent. Not me. And as a result my credit score was substantially lowered. Return my credit score to prior incident

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18
Company: DISCOVER BANK
State: MD
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I am a savings acct customer with Discover bank. Tried to open a CD and move funds from discover savings to a Discover CD. The online process is horrible and requires multiple phone calls and still no account set up. I also called the FDIC complaint line an was told by staff ONLINE BANKING is the worst. 

Please fix the mess. A known acct customer and my background is well known by the bank. why the constant run around? Sure they pick up the phone but never get the issue resolved. 

Be aware banking online not as simple as it should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX Accounts : XXXX acct # XXXX, XXXX XXXX  acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX acct XXXX XXXX, XXXX acct # 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 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-04-21
Company: EQUIFAX, INC.
State: MD
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 reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$3000.00} XXXX XXXX Balance : {$2900.00} XXXX XXXX Balance : {$3000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM
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 was not made aware of a balance due of {$99.00} on my Kohl  's  card until I received notice by my credit tracking service ( XXXX  ) in XX/XX/XXXX. The amount showed as {$190.00}, which was not familiar to me. This reporting by Kohl 's caused a large drop in my credit score. I have always paid my bills on time for all accounts, and this reporting dropped my score from 800+ down by 60 points or more. I called Kohl 's on XX/XX/XXXX and let them know that this amount did not look familiar and that I didn't recall receiving any notices of this amount, and that I have always been an exceptional payer. After several requests, the representative was finally able to tell me that it was for a {$99.00} purchase in XXXX, and that multiple late charges had been added to get to the {$190.00} total. I reiterated that I had not received any notices on all of this activity. I asked if I was to be getting notices via e-mail or through regular mail. There was some confusion as to how, and I am still not clear if I am to get things via e-mail or regular mail. In addition, I discussed the inundation of advertising and marketing materials from Kohl 's that are confusing. 

I was told by the representative that if I made the payment that day, they would reverse all of the late charges. I further asked if the late/derogatory reporting to the credit bureaus would be pulled back, and the representative said it would be taken care of. I made the payment in good faith that day via a draft on my bank account. To date, this has not occured. I have reached out to Kohl 's on this, as well as filing disputes with all 3 credit reporting agencies, which are still in process. I received a letter yesterday from Kohl 's where they said that " they have determined that the information previously furnished to the credit reporting agencies is accurate '', without further comment on the specific circumstances I shared. This is not consistent with the reversal of the late charges they made and the affirmation by the representative that the late/derogatory reporting would be corrected. This would be appropriate in this situation given lack of notifications received on a balance due and additional charges added, confusion around how I was/am to receive information, glut of materials sent out via e-mail and regular mail and my exceptional payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX  XXXX XXXX Account # XXXX, has violated my rights. 

This account is not my account and he listed on the Police department as fraud account.

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 instruction.

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 2020-06-02
Company: I.Q. DATA INTERNATIONAL, INC.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I have an open amount of {$610.00} with a company. 
After making a {$500.00} payment. 

They have called my workplace & my cell phone numerous times even after I asked them not too. 

After making the {$500.00} payment, they continued to call and harass me multiple times, leaving voicemails with very detailed information. 

After getting spoken to by 4 different representatives like complete XXXX.. I decided that I was going to finish making payments online through their website so I don't need to endure any more verbal abuse by these workers.. 

I called and asked for my account number because I am unable to make payments online without it, after XXXX gave me his opinion of me, he decided to ramble off my account number, but I didn't catch it. So he hung up on me. I called back, once again, just asking for my account number so I could make payments online, I was answered by an older woman, who then transferred me to a managers voicemail.. I left a polite voicemail for the account number.. never got a return phone call. 

There is ONE decent employee there that finally gave my boyfriend the account number.. everyone else should be investigated for their behavior towards people. People who are trying to take care of this at that.. 

I just would like to express how deeply mortified I am about this company. 
I have never seen/heard of such verbal abuse like this towards someone TRYING TO MAKE A PAYMENT. 

I know I am not the first, nor the last, considering there is over 2,000 complaints against them and a terrible rating on the XXXX. 

Thank you,

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: Experian Information Solutions Inc.
State: TX
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 name XXXX XXXX XXXX  and number XXXXXXXX  Account name XXXX and number XXXXXXXX  Account name XXXX XXXX and number XXXX Account name XXXX XXXX and number 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 : It also states a consumer reporting agency can not furnish a account without my whiten instructions

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 2021-11-05
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:
Report inquiries I havent applied for contacted Equifax and explain to them I have a FTC report number XXXX of fraudulent activity XXXX XXXX XXXX XX/XX/XXXX inquiry date XXXX XXXX XX/XX/XXXX inquiry date XXXX XXXX XX/XX/XXXX inquiry date XXXX  XXXX XX/XX/XXXX inquiry date XXXX XXXX  XX/XX/XXXX inquiry date XXXX XXXX XX/XX/XXXX inquiry date

Company response to consumer: Closed with explanation