BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-30
Company: CL Holdings LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
After already paying off the debt through XXXX XXXX over a year and half ago it was removed from my credit immediately and now we went to check my credit again today and it popped back up on there in the amount of {$1400.00} and when I reached out to XXXX XXXX XXXX  they can not provide me with any information of phone calls, written notice, any account info. I provided that they give me all my info before going any further, spoke with my bank and they also do not understand why it popped back up on my credit when it has been paid for and already taken off my credit report once before. I am furious because this dropped my credit score of 43 points for no reason, they have no sent me any notice to dispute, no phone calls, no mailed forms etc. they have no info stored in their system that I owe this. Its very frustrating due to the fact I was suppose to be getting my loan for my house today and this stopped me because they have falsified information and have no proof of the debt still being owed. It was paid for once in the amount of {$840.00} and taken off my credit and now they jacked it up to {$1400.00} and no explanation of why or how it happened. Theyre clueless and if this isnt taken care of Im reporting to the XXXX and getting a attorney involved. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
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:
I reviewed my Consumer Report and noticed that I had XXXX late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy according to the law. I have never been on payments for the account : XXXX XXXX Account XXXX XXXX. Please investigate and provide proof with statements showing that these payments were ever late. If proof cant be provided, I demand these payments updated to On Time as they should be as I was NEVER Late. Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-18
Company: SUNTRUST BANKS, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I represent my wife ( I am a XXXX XXXX XXXX XXXX ). Wife is the pay-on-death beneficiary of her father 's checking account with SunTrust Bank. On XX/XX/2019, her father died. On XX/XX/2019, I submitted paperwork to SunTrust Bank to close the account and forward the funds to her. No response from Bank. On XX/XX/2019, I sent a letter to the bank 's CEO via certified mail, which they signed for XX/XX/XXXX. I received a response directing me to send a " Letter of Instruction '' to the Bank. I did so on XX/XX/XXXX via certified mail, which the Bank signed for on XX/XX/XXXX. I have still not received the funds. Phone calls and emails to the Bank are not returned or responded to. In other words, the Bank seems XXXX bent on keeping our money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
1. On today, XX/XX/2019 I visited the XXXX XXXX XXXX branch for assistance. 

2. I sat on the couches for several minutes without being greeted or acknowledged. 

3. I asked a teller whether anybody would come to see about me. The teller said to sit on the couch and " any of us can assist you. '' 4. After twenty minutes, XXXX p.m. to XXXX XXXX., I still have received no assistance or even been greeted or acknowledged. 

5. There is a representative sitting in his office doing nothing. 

6. I placed several calls to the branch while in the branch and no one is answering the phone. 

7. BOA branches are understaffed. BOA collects monthly maintenance fees from customers, but does not spend adequate money in labor to provide the most basic customer service. 

8. This is consistent with other experiences I have had at other BOA branches.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that NAVIENT has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30
Company: Lustig, Glaser & Wilson, P.C.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I overdrafted a bank account years ago. For about roughly 1200.00 . It was XXXX XXXX. They closed the account and on my credit report it was put into collection but was marked closed at consumers wishes. It said I had XXXX $ in collection but XXXX  was due at the time. There was never any agreement worked out or anything. XXXX XXXX  ended up selling the debt to a lawyers office called XXXX XXXX XXXX. I have been harassed brought to court, have received over 30 letters and its still an on going matter. Im a single mother and Im doing the best I can. Im not in a position right now to pay that debt. However this lawyers office will not leave me alone and I dont know what to do? Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: EQUIFAX, INC.
State: TN
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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX Account Number {$8500.00} XX/XX/2012 Date Opened Please remove off all 3 credit reports according to Law after 7 years account should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: EQUIFAX, INC.
State: NY
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 account below violated my federally consumer right to privacy and confidentiality under 15 USC1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my right. 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 2023-05-08
Company: Experian Information Solutions Inc.
State: VA
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 XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2021-01-02
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On at least four separate occasions between XXXX and early XXXX, I have requested ERC provide proof that they are legally allowed to collect this debt. I have yet to receive any documentation from ERC, yet they have continued to report this collection account on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
Company: ALLY FINANCIAL INC.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I have been paying too the principal on my loan a XXXX XXXX Account : XXXX too Ally and they will not apply my payments to the principal with repeated phone calls and this is the last comfermation number # XXXX the agent told me his name was 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 2021-08-21
Company: Resurgent Capital Services L.P.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received information from you attempting to collect the above-listed alleged debts. Your initial communication to me of the alleged-debts was within 30 days ago. Please be further advised, I dispute the validity of the alleged debts in its entirety. Further I request verification of the alleged debts, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect alleged debts and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. I have disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received information from you attempting to collect the above-listed alleged debts. Your initial communication to me of the alleged-debts was within 30 days ago. Please be further advised, I dispute the validity of the alleged debts in its entirety. Further I request verification of the alleged debts, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect alleged debts and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. I have disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-28
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I attempted to place a security freeze with all major credit bureaus. This was due to a vehicle theft and potential loss of sensitive information. 

I was able to successfully freeze my credit with XXXX and XXXX. Equifax on the other hand is telling me they either were unable to verify my information, or their system is down. I am not even able to call and speak with them as their system blocks me from speaking to anyone. 

I can understand trying to protect data. I am not requesting any information though. I am requesting they freeze my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: EQUIFAX, INC.
State: AL
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 # xxxxxxxxxxxxx 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 response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ND
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Capital One has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
In XXXX Trans Union Removed XXXX XXXX from my credit score and will not give me an explanation why. XXXX Trans Union removed XXXX XXXX  from my credit score and will not give me an explanation why. This happens regular with Trans Union.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Company: WAKEFIELD & ASSOCIATES, 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: Account status incorrect

Complaint:
I paid off Wakefield and Associates in XXXX. They have not reported my payment to the credit bureaus. I called them and they said they will at the beginning of XXXX. They still have not reported the full payment of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Company: TCF NATIONAL BANK
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2019 several automated withdrawals were taken from an unauthorized company in XXXX, XXXX. from my checking account. As well as a second company called XXXX. 
XXXX amount was {$1900.00}. XXXX had 4 transactions totaling {$36.00}. All transactions were still pending when I discovered them and immediately went to the bank to file a fraud dispute and to the police department to file a police report. 
Dispute numbers with TCF Bank : XXXX XXXX XXXX Michigan police department case reference number XXXX The bank did not flag my account or these two companies for further fraudulent activity and advised me against closing the account as I still had a handful of outstanding checks to be cleared and they said they would not reversed fees or honor payment through a secondary savings account. I was also told this dispute would be resolved within 3 to 5 business days. 

On Friday XX/XX/XXXX, I received two letters from the bank asking for more information. Really the letters just asked for the same information I had already filed and needed to be returned to their dispute center. I immediately responded via email with both documents and screenshots of the account activity. 

I also returned to my local bank to close both of my savings accounts as well as the checking account in question and was told again not to completely close out the checking account until the dispute was closed or they would not be able to refund my money. 

On Monday XX/XX/XXXX another attempt from XXXX to withdraw {$1500.00} was made. The bank had not flagged this or the company and luckily I found it while still in pending status. after 30 minutes on the phone trying to get to a supervisor at TCF Bank headquarters I was able to have those charges reversed and my account frozen. 

I've now been told that this dispute will still be worked on for up to another 5 business days before they will then send me a letter with their determination VIA u.s. mail and that latter will let me know how long it will take for them to refund my money. 

As a 25-year customer of TCF Bank, I am appalled that there has been no attempt at assisting me in alleviating further fraudulent activity but I have instead been treated as the guilty party and threatened with late fees and charges due to this illegal activity. I have also been refused access to talk with anyone in their fraud department on numerous occasions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
This account is a litigation, the balance is incorrect, and I need this account closed not only closed but removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: Experian Information Solutions Inc.
State: NY
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: Was not notified of investigation status or results

Complaint:
Hello, I am writing to you because I recently tried contacting all 3 credit bureaus and had the most difficult time in doing so. I spoke to 1 person on the phone from XXXX and he was very disrespectful. I kept explaining to him there's fraud on my account and he kept asking me the same questions over and over and not comprehending what I was saying. He also told me to send in my report which I did and still no change or anything. This Is very alarming what's going on, because this means criminals can just go around and steal innocent peoples information and identity and nothing is being done about it. I will have to get a lawyer and sue all 3 companies if this is not resolved immediately. This is also making me believe some of these companies can be involved with he fraud and now don't want to make it right. I would like my report to be taken seriously and have them remove these fraudulent accounts off my credit report. Please update me with a solution to this problem because next I have to contact the XXXX and Attorney General to look into this matter and seek compensation, cause this is not right on so much levels. Thank you for your time and I hope this can be wrapped up quickly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Company: JPMORGAN CHASE & CO.
State: DC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
In a review of my credit report, I am showing 30-days late on my account ending in XXXX. I explained to the representative that I am requesting this information to be corrected as I did not receive the billing statement. I was on e-billing at the time. I suspect that the email ended up in my spam folder. I so infrequently use this account that I would not be expecting it the statement as part of my normal bills. I have a long-standing relationship with you. If you review my account, you will see that this issue is quite unusual and does not reflect the character by which my account has been handled over 10+ years. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: EQUIFAX, 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 according with the Fair Credit Reporting act XXXX  Account # XXXX named XXXX XXXX, acct # XXXX and XXXX named XXXX XXXX  and XXXX XXXX Account # XXXX also named XXXX # XXXX and Named 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 an account without my written instructions

Company response to consumer: Closed with explanation