BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-17
Company: Real Time Group, Inc.
State: NC
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:
Unfortinately due to divorce jobless XXXX but now back on feet. i became behind on loan with XXXX XXXX XXXX for {$35000.00} which i have had since XXXX. 15 years and nowhere near able to pay off a predatory loan. So during the time i was getting back on my feet i was notified that my loan had been transfered to collections to Real time resolutions. i started contacting them. The big problem has been a continuious issue with credit reporting between XXXX  and RTR due to they are linked companies. I have kept a good payment record with RTR but the problem was XXXX would be reporting wrong if i disputed my credit accounts 2017-present. XXXX is a closed account but when it was disputed all the sudden the account had a {$35000.00} balance on a closed account. this was dropping my credit score down to 500 's .After several months of fighting between XXXX and credit bureaus i got that issue fixed. for the moment! 
Now to my big issue. XXXX is reporting late payments to date on their closed account with me. This was transfered to XXXX in XX/XX/XXXX. how is this possible?? XXXX credit report shows on time payments. i have fought this abt from beginning of XXXX. i was calling back and forth between XXXX and credit bureau 's and three way. no progress in fixing situation. Even with faxed letter from XXXX  with filed dispute and XXXX own investigation with XXXX  investigation without change! six months of dropping credit scores. This kept me from refinacing several times last time with XXXX XXXX. i find keeping credit scores down is purposefully done to keep the preditory loan inplace to make nothing but interest and loan that can never be paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: CORELOGIC INC
State: NV
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:
Dear Sir/Madam, I hope this message finds you well. I am writing to kindly request your assistance in removing some information from my account. According to the law, medical bills under {$500.00} are supposed to be removed and it is a violation of my rights under 15 US code 1681 and 15 US code 1681b to have this information present. Additionally, I would appreciate it if you could suppress any negative information and update the report accordingly. I understand that it is illegal to place a charge off on a report and send a XXXX  to the debtor. Furthermore, I have noticed that the reporting across the bureaus is not accurate, and I kindly request that the information be removed immediately. I have attached the relevant report for your reference. Finally, I would like to raise a concern regarding the difficulty in accessing my online account. I believe it is unfair to have to pay to see my own data, and I would appreciate if the Consumer Financial Protection Bureau could investigate this matter. I would greatly appreciate it if you could attend to this matter as soon as possible. Thank you for your time and assistance. Best regards, XXXX XXXX XXXX XXXX. XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX details 0 % paid off Balance {$320.00} Balance updated XX/XX/XXXX Original balance {$320.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status updated XX/XX/XXXX Contact info Name XXXX XXXX, XXXX Address XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone number ( 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 2018-02-03
Company: Sentry Recovery and Collections, Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2017, I sent a certified letters to Sentry Recovery and Collections, asking them for debt validation of the accounts as I never received any bills prior to the debt hitting my credit report, in the sum of {$450.00}. Pursuant to the FDCPA Section 809, I requested that they send me a written validation of the debt. It's been more than thirty days and I haven't received any written validation of the debt. 

Under the FDCPA Section 1692g If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this sub chapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.

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 2022-10-03
Company: EQUIFAX, INC.
State: NY
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 remove these erroneous items. 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. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX DEPT OF ED XX/XX/XXXX XXXX XXXXXX/XX/XXXX DEPT OF ED XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: REGIONS FINANCIAL CORPORATION
State: MS
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
My father took out a HELOC in XXXX when I was 14 years of age. He died a year and a half ago on XX/XX/XXXX. I have faithfully been making payments on his behalf since he passed, and I am only seeing the balance on this loan increase, as the payments I am making are only going towards interest. Furthermore, he had XXXX and had a {$55.00} or so per month payment. Since his passing, I pay at least $ XXXX $ XXXX. He and my mother were still married at the time ( divorced in XXXX ), but the Deed of Trust lists my father as an unmarried man. My mother had no knowledge of this loan until after my father obtained it. 

This is not my loan, and it is unfair that I am carrying this burden on top of losing my father, for a loan he took out when I was underage and had no say in. I request this be looked into and humbly ask for it to be forgiven all together, as I believe Regions Bank has received their {$30000.00} back that was loaned to him 16 years ago. I have reached the end of my rope here, and am asking for assistance and mercy. I can provide proof of his death certificate and obituary.

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 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, account or item which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, CA 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 2019-03-14
Company: CITIBANK, N.A.
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Essentially I was verbally told I would have points waived in order to qualify for rate I was quoted by the Citibank lending agent team. One week prior to closing I was told discounts were already applied and that I only had two options : 1 ) pay higher interest OR 2 ) use points to buy down to initial rate quote ( this was on a 60 day lock ) I chose to got with buy down option, which cost me ~ {$1500.00} to secure the lower interest rate, which agent said would be waived. 

Loan has since been given 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 2023-02-11
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 accordance to the Fair Reporting Act XXXX Account XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 

15 U.S.C 1681 Section A States that I have a 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
Consumer complaint received 2018-12-17
Company: EQUIFAX, INC.
State: GA
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 submitted a Dispute Report, with Equifax,2 weeks ago, and from my understanding, it can take up, to 30 days, for the dispute to be completed. Because it was some Inquiries, that was placed on my credit report, that was done unauthorized by 2 dealerships. I mailed the letters off to Equifax on a XX/XX/2018, and the very next week, i received a letter from Equifax, stating that Dispute has been completed, and i was like, it has only been a week.I contacted some of the Creditors and I talked to some of them, also upon my Knowledge, Equifax, never reach out to none of them, in regards to this matter. I felt, like this is inappropriate behavior, in regards to this matter. I have been having ongoing problems, with Equifax and my credit report. 

Also, I have contacted Equifax, numerous time, to have my Phone Number added, to my credit report, and as of today, it has not occurred, when i try to do things with my credit card company, i can not be verified, because my telephone number is not acculturate with Equifax, and i have called them, on numerous time, in pertain, to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Inquries that was once removed has appeared back on my credit again. Transunion was suppose to remove them. It may be due to there inquiry issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: SANTANDER HOLDINGS USA, INC.
State: IL
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:
I report abuse of trust by a former co-worker in the process of processing the AUTO loan and where they took advantage of my good will and conducted a whole process of strong consultations with different banks and financial companies, through deception, manipulation and tricks. unscrupulous The car process is requested by XXXX XXXX ( XXXX XXXXXXXX XXXX Utility - Please see attached data / Digital backup ). XXXX XXXX asked me to help accompany her to her office ( XXXX XXXX ) on XX/XX/XXXX, because she was being offered a car and she wanted to know the amount of the monthly payment and financial responsibilities. - First. They checked her credit and her credentials. ( SSN ) And the salesperson who helped her at that time told her that her credit score is incredibly low and that she needed to present a guarantee and contribute a higher premium to the XXXX. Given that the monthly fee would be approximately XXXX XXXXXXXX to XXXX. 

Having this information, XXXX XXXX suggested to the seller that she try my personal credentials ( SSN ) to see the numbers and take advantage of my credit history and see if the monthly payment could be lowered. 

So, $ XXXX was a very heavy amount for her finances. She was looking for an average fee of approximately XXXX  XXXX. 

I acted in good faith and with the healthy intention that we would try the alternatives and that she would make the best financial decision for her budget. She and the sales associate assured me that only XXXX inquiry would be made to the credit bureau and that it would be smooth. And it would not affect my score in the slightest. situation, which is NOT true at all. 

At no time do I request and/or provide my authorization for multiple inquiries to be made for credit validation and I NEVER request to be the main debtor and/or co-debtor in this credit process. 

Here, the deceived, used and useful fool has been my person. And I was almost scammed, due to this bad practice and abuse of trust from my former co-worker.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: CCS Financial Services, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I got a {$30.00} debt collection notice from Credit Collection Services XXXX : XXXX XXXX XXXX, Account # XXXX My complaint is with the original credit " XXXX ''. 

They never sent me an original bill, and to the best of my knowledge, I've never even used them for a service. It's possible they were a third-party one of my medical providers used, but regardless, I never got one bill before this was sent to collections. 

I have perfect credit and have never failed to pay a bill, and this company is putting me in collections for a bill they never sent me, and to the best of my knowledge, I don't even owe.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: Experian Information Solutions Inc.
State: WA
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:
On XX/XX/2019 I went to a bar and was later charged {$300.00} on my XXXX visa for services I did not receive. I complained at length to the manager ( s ) present and later via multiple phone calls to useless corporate stooges, but could not resolve the situation. On the XX/XX/XXXX, I filed a complaint with Visa and XXXX. They told me that the charge was reversed but months later changed that decision saying I had a chance to " inspect '' the product up front before paying ... which is untrue ; they make you pay up front. After nearly a year of writing letters to every conceivable part of XXXX, I threatened to close all of my accounts ( savings, checking and three credit cards ) until they addressed this. They still gave me nothing but repetitive form letter responses. I indeed closed those accounts with a balance still pending and STILL got no response. They then " charged out '' my account and trashed my XXXX credit rating. I filed multiple complaints with Experion and the XXXX with little to no results. I want my credit rating back!!! 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 explanation
Consumer complaint received 2021-11-14
Company: SYNCHRONY FINANCIAL
State: MA
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:
XXXX wrongfully posted that my XXXX account had been delinquent when I was a victim or unauthorized charges being placed on my account. XXXX XXXX  removed these charges and sent me a letter stating that they were removing the delinquency. 
XXXX failed to correct the mistake and falsely certified that they had conducted an investigation and found the charges valid.

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 2023-08-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
Received a letter they were reducing my credit line for non-use. XX/XX/23 Called and got nowhere. XX/XX/23 received second letter they were going to close my account for non-use. If I used the card it would keep the account active for two years. Went out and made a small purchase on XX/XX/23 in order to keep the account open. Of course both these actions by them would adversely affect my credit rating. Problem is that were literally blackmailing me via my credit thought they extended me the credit by their choice. How I used it should be my choice. I then wrote an email to the CEO XXXX XXXX. Letter attached below. No reply .... 
Again, I say this is nothing more than credit blackmail. Every time someone reduces your credit or threatens to close an account for reasons of abuse I get. Doing this for non-use is nothing more than punishment for good use of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: ALLIANT CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Good afternoon So today I found out that my courtesy pay was taken away because I didnt meet the requirement of making XXXX or more from the previous month when I did which I have screenshots of. On XX/XX/XXXX when I called and ask the representative if I have courtesy pay she said yes but I had noticed it said in my my portal my courtesy pay was taken away because my address was not updated because of UPS. But I had got a new card send to my address on XX/XX/XXXX. Then On XX/XX/XXXX I had withdraw XXXX from my checking account and when I checked my app I noticed again it said The checking account you selected does not qualify for Alliants Courtesy Pay protection program because you have not had deposits totaling at least {$600.00} in the previous 30 days, I made a deposit of {$1800.00} on XX/XX/XXXX. Another one of {$580.00} on XX/XX/XXXX and another one of {$600.00} on XX/XX/XXXX. When I had called in and spoke to a supervisor she told me that my courtesy pay was token away because my account was in the negative for 2 weeks and I told her nowhere in the requirement does it says that or in the disclosure. The requirement for courtesy pay on the website and in my banking app states : Courtesy Pay is a non-contractual service offered and provided to Alliant members who : Are in good standing Have an Alliant checking account that has been open for at least six months and Have qualifying deposits totaling at least {$600.00} into their Alliant checking account in the previous 30 days. Qualifying deposits include direct deposit, payroll deposit, check deposit, ATM deposit, wire transfers or transfer from another financial institution There is no cost when an overdraft transaction is paid by Alliant. When Courtesy Pay is used, the full amount of the overdraft balance will be due immediately, but in no event more than 30 days after the date of the occurrence. Repeated NSF items may result in revocation of this benefit.

Please let us know if you need further assistance. 

Thank you, XXXX But in my app it doesnt says my courtesy pay was revoke because of repeated NSF or in their disclosure when opening a checking account. What does repeated means. As a meme we we should know how many times or days our account can be in a negative before our courtesy pay is taken away. Also we should get an email or text message when our account goes in the negative and get a warning that the next time your courtesy pay will be taken away. This is not included in their disclosure or on their website.

Company response to consumer: Closed with explanation