BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-01
Company: EQUIFAX, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By obtaining my CREDIT BUREAU consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX  XXXX. XXXX ) I have not initiated any transaction with XXXX XXXX. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXX XXXX for review or collection. 

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: Messerli & Kramer P.A.
State: NE
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Company sued me, then won default judgement, then failed to properly file follow up paperwork causing their judgement to be dismissed in a fashion wherein it can not be collected or refiled with the court. Every six months company is required to file with court showing they have attempted to collect judgement. Company failed to do so, and is now attempting to collect a thrown out judgement that they keep referring to as a " debt ''. It is no longer a debt after it becomes a judgement. It is no longer a judgement either because it was thrown out by the courts for company failing their due diligence in properly attempting to collect and filing follow up paperwork with the courts. Company also continues to report this " judgement '' as a " debt '' to the credit bureaus even though it is no longer legal to double dip and get a judgement AND report to credit bureaus. Company has been underhanded since day one. They won a default judgement in XXXX and NEVER filed the proper paperwork every six months, as sometime in XX/XX/XXXX I received a notice from XXXX XXXX XXXX that the judgement had been dismissed for the company 's failure to comply with law on collecting judgement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: WELLS FARGO & COMPANY
State: MN
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:
This happened on XX/XX/2022. 

I was at XXXX in XXXX, MN and I was looking to purchase a new bed. The salesman told me I can purchase the bed through a credit check. He told me it was a soft pull on my credit and didn't mention anything about going through a bank to pull my credit. He kept reassuring me it was a soft pull and I told him if it was a hard pull on my credit I did not want to do it. Ive been working on building my credit up the last 2 years to be able to get a house at the end on this year. And again, he said it was a soft pull. Now as a salesman of a business, he obviously has knowledge on all the products in store and has knowledge on doing credit checks for customers. So because he kept telling me it was a soft pull I went ahead for the credit pull. Not even a minute went by and I received XXXX notifications on my phone saying there is a new hard inquiry on my report. Under the FCRA laws, it states that the agency, business or individual was aware their actions would cause harm to you, but went ahead and did them anyway. Now how many other customers has he done this to? I would like to take further action on this salesman and the business.

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 2020-09-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
This is for a coop sale of an apartment in XXXX, NY. My attorney requested the stock and lease from Bank of America, my mortgage lender, on XX/XX/XXXX. It is XXXX XXXX and the Bank has submitted an incomplete file. My phone calls get cut off ( one on XX/XX/XXXX after holding for 1hr48min! ). We need  either the stock and lease or an affidavit for lost stock and lease. I originally got the mortgage from Countrywide in XXXX, so in selling the mortgage to Bank of America the stock and lease were apparently lost. 

Attachments to this complaint document the complaint I filed with the New York State Department of Financial 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 non-monetary relief
Consumer complaint received 2017-11-15
Company: Navient Solutions, LLC.
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have sent 2 checks by certified mail to cover my subsidized and unsubsidized loan in the amount of {$6700.00} and {$9000.00} to cover my Career training loan. All three loans are through Navient. The checks were mailed certified mail on XX/XX/XXXX. I wrote the loan number, loan name and account number on each of the checks to make sure that the monies were allocated to the correct account. These checks should have paid off all of my student loan debt, short of a possible small amount of interest due for the time period between the date the check was mailed, and the date the check was recieved and processed by Navient. 

Navient applied the monies to the accounts in a manner that left we owing money still on 2 of the loans, {$1400.00} on a stafford subsidized loan, {$2300.00} dollars on a Stafford unsubsidized loan, and a {$3700.00} credit on my career training loan. This information is showing on my Navient accounts as of XX/XX/XXXX at XXXX XXXX. Navient recieved and cashed both of my checks and they have cleared the bank as of XXXX XXXX, and the 2nd check ( {$9000.00} ) cleared my bank account on XX/XX/XXXX. Conveniently, the 2 loans that are due to be paid next, are the 2 loans showing a balance owed still. I believe that this is so they can charge additional interest, even though they are paid in full. I have many complaints about the handling of my loan, they have gladly offered forberance to me several times a few years back without disclosing the negative effect it would have on my loans and how it would end up costing so much more in the long run. They have been unwilling to work with me on providing a fair interest rate, and my loans have cost well over double the amount of the original loan taken out 10 years ago due to the 14.8 % interest rate they charged. I have had to cash in my 401K as my only means to get out from under these loans, and still they are trying to get more money by charging interest on loans that I have paid in full, and allocating my sent checks to the loans in a manner that went strictly to their benefit, and not how I instructed the money to be allocated. They have been impossible to reach by phone, and emails are answered only with a generic reply stating someone would get back to me soon. They have been nothing short of loan sharks and I am outraged at how they took advantage of me and how they are still trying to take advantage of me by charging interest on loans I have paid. This should be illegal. It is certainly unethical and in my opinion, immoral.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/2021 check number XXXX cleared my account in the amount {$4800.00} at USAA bank. Today I go to my account and my entire checking {$2100.00} account balance was taken to {$0.00} with an overdraft amount of an additional {$2700.00}. So I looked at the account and USAA processed a check payment again on check number XXXX in the amount of {$4800.00}. I contacted USAA and was first told that the merchant had processed the check twice and that USAA would return the check but my funds would not be returned for XXXX to XXXX business days. I contacted the merchant, who then contacted XXXX bank and no such reprocessing occurred, USAA lied. I contacted USAA and they transferred me to the XXXX resolution center. That department says a work order to reverse the damages caused was sent but it will take XXXX to XXXX business days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
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:
TODAYS DATE:XX/XX/XXXX XXXX XXXX XXXX SS XXXX XXXX DOB:XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Equifax XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX  XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. <P/><P/>I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. <P/>If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. I look forward to an expedite resolution of this matter Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: Experian Information Solutions 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:
In XXXX, 2019 I entered a written dispute with XXXX XXXX XXXX reference account number XXXX as contained on my consumer credit profile at Experian. Specifically alleged, XXXX   XXXX XXXX was attempting to collect a debt for which I had no knowledge and alleged was fraudulently opened by an unknown third party. Moreover, said account was appearing twice on my consumer credit profile notwithstanding the allegation of a single debt owed. 

XXXX XXXX XXXX failed to investigate, verify, or validate said debt. Although I also filed a cease and desist demand with XXXX   XXXX XXXX an absolute requirement of the Fair Credit Reporting Act is to report said debt as disputed pending resolution of an investigation. XXXX XXXX XXXX failed to report said debt as disputed and failed to conduct an investigation into my allegations of fraud. As such, my credit worthiness has been negatively impacted by the erroneous reporting of this account. 

A review of records compiled by the state XXXX XXXX XXXX XXXX in Florida indicates that XXXX XXXX XXXX is not currently licensed to conduct business pursuant to section 559, Florida statute. As such, the imposition of this debt and the erroneous reporting to Experian is an unfair and deceptive trade practice. 

Several phone calls to XXXX XXXX XXXX have met upon deaf ears. When I called to inquire on the status of the disputed account, I was advised that Florida licensing was not required. I was further advised that the debt remained due notwithstanding a lack of validation and claim of fraud. At this point the call was terminated. My written dispute remains outstanding. Said account remains on my Experian credit report notwithstanding the existence of a dispute, lack of validation, and my allegations of fraud.

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 2019-08-02
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I could not believe when I saw different student loan accounts from different companies. I do not understand how these accounts ended up on my credit report. I only have a single student loan from XXXX  XXXX. XXXX/XXXX, XXXX, XXXX, DEPT OF ED/XXXX   -- reported multiple times, 8 to be exact on my credit report., XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX, XXXX XXXX. Derogatory accusations must be Metro 2 Compliant to retain or report so delete any not physically with proof of permissible purpose from the exactly and legally identified me..I do not authorize you or anyone to report not proven compliant information and you must comply..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-02
Company: SUN WEST MORTGAGE COMPANY, INC.
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I had an unforeseen problem with my mortgage payment for XX/XX/2019. I set up the mortgage payment on the Sunwest mortgage company website for XX/XX/2019. Even tho this would have been 30 days late I was willing to pay late fees. I planned on paying the XX/XX/2019 payment on time. XX/XX/2019, received a phone call from a representative from Sunwest mortgage, in ref to XXXX payment. The rep explained no payment was pending or received. I explained I set up the payment for XX/XX/2019, at that point, I signed into the Sunwest site online. to check the status. No payment was pending, I told the REP I would pay the mortgage now. The REP advised me they block the payment part of there website and I wouldn't be able to pay it online. I told the REP this doesn't make sense to block me from making a payment and this is my complainant. Why would any business make it difficult to make late payments, I could O made my payment over the phone, but I rather make a payment online, I decided to mail the payment in and making it longer for the payment to clear. In the meantime, Sunwest will continue to make collection calls, as a result of blocking the online payment site.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX I received letters from Synchrony Bank that my credit cards I possessed with them have been cancelled and closed based on activity on the accounts indicative of high risk of failure to pay. I have several years with these cards and most of these cards were issued when I did have good credit. Since 2 years ago, and during the pandemic my income did decrease as I got a divorce, my mom died during the pandemic and I lost my job and cared for my mom to take care of her. I moved in with her and cared for her as she developed XXXX XXXX and eventually died on XX/XX/XXXX. I was caring for her household and my own home which was located XXXX hours away. My income did decrease and since have gained employment and obtaining social security benefits as I will be XXXX this year. Most of my cards were in good terms and i have auto pay as I worked very hard to maintain good credit with synchrony and now they have cancelled all my cards with the company and of course my credit has hit rock bottom. I understand the terms that they have every right to cancel at any time, but it makes me upset they did it unexpectedly and while many of my cards were in good standing and it wasnt until I tried to use them that I understand they were cancelled by Synchrony. They monopolize the issuance of these cards and now I an stuck with paying them with very high interest rates. I would like to have them be reinstated if possible or offer a mutual agreement to decrease interest rate so that i can work out payment arrangements that fit my budget.

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 2022-03-01
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
A fraudulent check for {$8700.00} was deposited against my account and paid by my bank, Truist. I opened a fraud claim with Truist but they have been totally unhelpful at local branches and I have had to wait over 3 hours on the phone to speak with a " representative ''. I am still waiting for the fraud case documents, supposedly being mailed to me. I will soon enlist the help of my attorney.

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 2017-11-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Portfolio Recovery Associates, LLC has not provided validation of debt to date concerning the accounts held at their company in my name. They are reporting inaccurate information to three credit bureaus. They claim to have verified the debt however I have requested that they " validate '' the debt. Validating the debt is different. I have requested specific information. In addition, they are not licensed to collect debts in the State of Georgia.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15
Company: ALLY FINANCIAL INC.
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
In XX/XX/XXXX I traded my vehicle in for a new vehicle with my dealership. The lease was repaid in full but the dealer mistakenly paid an extra {$1000.00} to the leasing company. This resulted in there being {$1800.00} excess cash deposited on my account with the leasing company, Ally, that was owed to me at the end of the lease, representing my original {$820.00} security deposit and the excess {$1000.00} payment. Ally acknowledges that this {$1800.00} is owed to me. I have called them multiple times and they confirmed that amount. I was told in XX/XX/XXXX that the money would be returned to me in full when they sold the vehicle, which would likely be within 6 weeks. I repeatedly called them over the next few months and each time was told that there were delays in selling the vehicle but that I was not responsible for the value of the vehicle, that there were no damage fees assessed, and I would be returned the {$1800.00} of excess payments when they sold the vehicle. On XX/XX/XXXX, I called Ally and for the first time they told me they were assessing {$180.00} in wear damages and that they did not plan on selling the vehicle for another month. But they also confirmed from their account notes that I was previously told by them that there were no damage fees and I could expect to receive the {$1800.00} shortly. I was told I would receive a call back from a representative of the company to discuss the matter further and they have not called back.

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 monetary relief
Consumer complaint received 2017-12-29
Company: ERC
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Received an alert on credit file for XXXX, XXXX, and XXXX XXXX saying new collection added to file. It stated XXXX of which I have yet to have spoken to a person regarding a debt, I have never received on written documentation in order to properly research and accept this debt all verifiable.it was just added as if I do n't acknowledge, and do n't care which is never the case. I 'm a single mother bettering myself and this is a passive illegal tactic most debt collectors like to do to your credit file, to make the person seem they do not care. This is not fact when no contact an legal notice of debt has never been received from this company for this said debt, by law giving me the customer a right to dispute, or accept this debt as is.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation