BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-18
Company: EQUIFAX, INC.
State: IN
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:
Over the last five years, I have been going back and forth with Equifax over information that is not mine. On XX/XX/19 I placed a life on my credit report to discover another current address on my file and two accounts that I have previously disputed with Equifax over the last five years and each time they are removed.

I live in XXXX XXXX, XXXX for over two years and now the address that is showing as my current address according to the credit file is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX. However, I am a XXXX   resident. I contacted them on XX/XX/2019 via phone and I was blocked from conducting an online dispute, and I was told that they have my pdf documents but they can not verify me and I provided ssn, state id and voter 's registration card. I do not understand why everytime I lift the freeze to apply for employment, credit or loans, that I have this information of XXXX Credit Card and XXXX XXXX Credit Card on my account and this information has been verified numerous amounts of times. But they continue to add this information to my credit file. With all of the Security Breaches the Equifax has had over the last 5 years I feel that they should compensate the consumer due to their lack of interest and protection of consumer information when a Security Freeze, Lock is in place. They have allowed someone to change my current residence from one address to another and refuse to fix it. This is time consuming as well as frustrating. Because Looking at my other reports XXXX  and XXXX ... Equifax is the only agency that continues to place fraudulent and wrong information on their reports..Always!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-01
Company: Resurgent Capital Services L.P.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I contacted XXXX XXXX XXXX regarding a debt that appeared on my credit reports. I sent a letter on XX/XX/2018 ( certified mail ) requesting validation of the debt with a contract bearing my signature. Resurgent Capital Services sent me 2 letters dated XX/XX/2018. One letter states the original creditor was XXXX XXXX with a balance of {$950.00} and the second letter states the original creditor was XXXX XXXX XXXX with a balance of {$940.00}. They did not send any of the information requested such as the contract from original creditors or the requested information proving they are now the owners of the debt. 

My second attempt at contacting XXXX XXXX XXXX was on XX/XX/2018, I sent two more certified letters. Again, I requested debt validation. XXXX XXXX ( XXXX XXXX ) sent a response on XX/XX/2018, well after the 30-day time limit for disputes, but there was still no contract as I requested to validate the debt. They submitted a billing statement. XXXX XXXX ( XXXX XXXX ) sent a response on XX/XX/2018, and they did not submit the contract as I requested but a billing statement. 

( Please note I was on military orders from XX/XX/2018 - XX/XX/2018 and was unable to respond promptly to their non-compliance in a timely matter. ) My third attempt at contacting XXXX XXXX XXXX was on XX/XX/2018. Again, I requested a copy of the contract for purposes of debt validation. XXXX XXXX ( XXXX XXXX ) sent met the same letter dated XX/XX/2018 again, with no contract of debt validation. I have yet to hear from XXXX XXXX regarding XXXX XXXX. 

I will update you if I receive any other communication before XX/XX/2018 which would be within their 30-day opportunity to correspond me. However, I believe they are already in non-compliance with the Fair Debt Collections Practice Act and the Fair Reporting Act because they have failed to provide the debt validation twice already.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello TransUnion, there is an inquiry on my TransUnion report for a credit union called XXXX XXXX XXXX dated XX/XX/2018 or XX/XX/2018. I did not authorize this credit union to pull my credit, this inquiry is fraudulent. Additionally I am requesting this inquiry be deleted due to being fraudulent. The credit union did not follow the FCRA extended fraud alert either. They never contacted me so they also violated that. Additionally, I noticed there were some soft inquiries from XXXX XXXX, or retail information. I do not do business with this company and this should be blocked as well. There are several soft inquiries I did not authorize. Additionally you have my address listed as XXXX XXXX XXXX XXXX ( Null ) this is incorrect. My correct address is just as listed. XXXX XXXX XXXX XXXX  XXXX XXXX, TX 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 2021-10-10
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
XX/XX/2021 was charged XXXX overdraft fees totaling XXXX dollars on transaction XXXX of the XXXX dollars XXXX and XXXX dollars but due to td banks delays between the balances such pending balance and available balance in my checking they do not calculate there charges and delay them there for putting you in a congruent cycle of over draft whole you assume you have funds they due it via there discretion but capatilize on low balance moments to compound more fees a highly predatory practice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-01
Company: SCA Collections, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I contacted SCA Collection regarding a debt that appeared on my credit reports. I sent a letter on XX/XX/2018 ( certified mail ) requesting validation of the debt with a contract bearing my signature. SCA Collection sent me letters dated XX/XX/2018. The letter states the original creditor was XXXX XXXX with a balance of {$28.00}. They did not send any of the information requested such as the contract from original creditor bearing my signature. The information they provided has an address attached - where I never resided. 

My second attempt at contacting SCA Collection was on XX/XX/2018 ( certified mail ) Again, I requested debt validation. They never responded.

( Please note I was on military orders from XX/XX/2018 - XX/XX/2018 and was unable to respond promptly to their non-compliance in a timely matter. ) My third attempt at contacting SCA Collection was on XX/XX/2018. Again, I requested a copy of the contract for purposes of debt validation. I have yet to receive a response. 

I will update you if I receive any other communication before XX/XX/2018 which would be within their 30-day opportunity to correspond me. However, I believe they are already in non-compliance with the Fair Debt Collections Practice Act and the Fair Reporting Act because they have failed to provide the debt validation twice already.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
They continue to harass me about debt thats four years old and debt that was fraudulent committed without my consent

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 2019-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 four letters to Trans Union, XXXX, XXXX. The letters state, according the to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify-through the physical verification of the original signed consumer contract-any and all accounts you post on a credit report. Otherwise anyone paying for your reporting services could fax. mail or email in a fraudulent account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-01
Company: CMG MORTGAGE, INC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
1. APPLIED FOR A MORTGAGE REFINANCE 2. PROVIDED LENDER WITH ALL REQUESTED/REQUIRED DOCUMENTS 3. LOAN REFINANCE WAS APPROVED 4. PROVIDED A VOIDED CHECK TO CLOSING ATTORNEY AT CLOSING 5. WAITED THE LAW REQUIRED THREE DAYS RIGHT OF RESCISSION 6. FUNDS WIRED INTO ACCOUNT 7. USED SOME OF THE FUNDS 8. 24 HOURS LATER RECEIVED A CALL FROM CMG THE MORTGAGE COMPANY THAT THEY'VE MADE A MISTAKE ON THEIR END AND REQUESTED FUNDS BACK 9. THEY REPORTED TO MY FINANCIAL INSTITUTION THAT THE WIRED FUNDS WERE STOLEN FUNDS 10. MY FINANCIAL INSTITUTION FROZE OUR ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-01
Company: Clark County Collection Service
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have never received notice of this debt. The account in question is reporting to the credit bureaus and I have since disputed specifically through XXXX. They in turn preceded investigation and they found that it meets FCRA requirements. I still have not received any documentation validating as to why I am liable for this debt. Also per NRS 11.190 2 ( c ), the period of limitations to commit actions against contracts or obligations not found in writing has been reached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
They are harrassing me at work and on my cell ph. keeps calling my company and asking for me. Very rude and trys to give them information about my loan to my coworkers

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: American Coradius International LLC
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a letter from American Coradius International concerning a XXXX account that had not been paid. Initially thought it as a scam but decided to do some research. Many threads on XXXX website indicate this is not a scam but identity theft situation. Found the number for the debt company and called. They did not phish for any private information and explained that all it takes to open a XXXX account is someones address, name and an email address. She explained that your address and name are public information. She said that she would report the debt as identity theft to XXXX and I would not hear from them again. XXXX should require more verification to open an account and not put thousands of people in this position.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 30-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I checked my credit report and noticed unauthorized and unverified accounts

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 2018-03-20
Company: Asset Recovery Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Asset Recovery Solutions , LLC is trying to collect a credit card debt that is not mine. Someone stole my information and opened a XXXX XXXX XXXX card with my information. 
They called my wife 's cell # and demanded she verified all my information thereafter demanding she paid my debt. The phone # they called my wife from is XXXX. 
XXXX XXXX has been trying to take money out of my XXXXXXXX XXXX account to pay the credit card. I called XXXX and put a stop to the payments. I haven't been able to resolve the issue with XXXX XXXX and now Asset Recovery Solutions , LLC is calling my wife for payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Hi & happy Saturday again, I'm not sure where to bring this issue to!!! I was going through my credit report from the credit report agencies and credit monitoring sites and I've challenged this inaccurate information with departmental store BestBuy because there is an unknown late payment on my report from XX/XX/2017 30 days late payment. How is that possible? 

I have an impeccable credit profile and this is really stressing me out and I can not have accurate information/RESPONSES and proof back this company. I send out a letters as shown to the company for in-depth verification on that late payment and asked if they can not prove I was actually and factually late - then I need it to be updated as paid as agreed and NEVER LATE. Please change that.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: ALLY FINANCIAL INC.
State: NC
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I signed up for a savings account with Ally Bank and at the time they were offering a cash bonus if you put enough money in the account. I did that and over a month after the bonus was supposed to come still nothing. I didnt take out more than I invested initially and I followed the rules right on their website and even their FAQ. If there was any rules I didnt follow they were hidden and not even their customer support could find them to give me documentation of what I did wrong. They were just searching for a reason to justify themselves for not giving it to me even after I directed them to their own website showing that I did everything right.

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 2022-08-08
Company: Experian Information Solutions 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:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
Company: PNC Bank N.A.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XXXX XX/XX/2019 I ended my account with PNC Bank. The credit card I had was a prepaid credit card for {$300.00}. I made a payment of {$290.00} as a final payment to close the account. I received a reimbursement check and cashed the check in XX/XX/XXXX around the fourteenth. There were overdraft charges that I challenged because the bank had taken the payment, then returned the payment, then took it again. I have spoken with multiple representatives. The bank has also changed the amount that they claim I owe. It has gone from {$300.00} to {$290.00} and now it is claimed to be {$100.00}. So even the bank can't figure out what is right.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: Selene Holdings LLC
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX Good morning, Were reaching out to you - once again - to bring to your attention, the manner in which Selene Finance has handled our loan modification. While were grateful that an offer was extended, the terms of this modification are absolutely unacceptable. The most obvious issue here is that there are two separate balloon payments which represent arrearages that have not been itemized {$71000.00} and {$34000.00} There is no breakdown, whatsoever, as to what constitutes either of these amounts There is also no mention, whatsoever, of the application of the SEVEN TRIAL PAYMENT PLAN PAYMENTS that we made, totaling {$7900.00} There is also an issue regarding Corporate Advances that Selene claims to have incurred from the transfer of our loan on XX/XX/XXXX, from XXXX XXXX. The amount claimed by Selene is {$7200.00} and after going through the charges, it appears as the actual number is only {$5300.00} These issues alone are troubling enough, but if we bring into question whether or not Selene Finance actually used the FHA Waterfall Guideline when modifying our loan. It's clear that we now have a loan with a full payoff amount that is nearly 225 % loan to original pre modification principle balance. There is absolutely no way that Underwriting could have signed off on this modification Of even greater importance, we've submitted TWO qualified written request letters, requesting an explanation of these issues and  the 30 day review period has passed- with no response. We spoke with them on XX/XX/XXXX, we were told that the itemization of these fees would be included in the FINAL Loan Modification documents - after we accepted and signed it Again, this is yet another violation of Federal Compliance Guidelines, as well as RESPA laws Were asking that you step in immediately and demand  that Selene explain themselves and take immediate corrective action. 

Pictures of all documents sent and received are included in this complaint. Thank you for your assistance with this and I'm available anytime to discuss this matter in detail XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: AFNI INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
AFNI is Reporting a debt on my credit that was sold to them by XXXX. XXXX also sold this fraudulent debt to XXXX XXXX. This debt was was removed from my credit. This is against the Law according to the FCRA and FDCP

Company response to consumer: Closed with explanation