BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-06
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX XXXX and associates DBA Law Offices MBA, and MBA Law are debt collectors attempting to collect 3 ( three ) unverified debts of {$490.00}, {$1300.00}, and {$1900.00} on behalf of XXXX XXXX XXXX. 
XXXX XXXX XXXX and associates DBA Law Offices MBA, and MBA Law flagged my credit files on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2022. ( See attachments ) I have not received any good or services from XXXX XXXX XXXX and associates DBA Law Offices MBA, or MBA Law. I am not a party to their agreement with XXXX XXXX XXXX, I have not agreed to pay/ tender anything to XXXX XXXX XXXX and associates XXXX Law Offices MBA, or MBA Law. 
I have not provided any releases of my medical records to XXXX XXXX XXXX and associates DBA Law Offices MBA, or MBA Law and I have no idea how XXXX XXXX XXXX and associates DBA Law Offices MBA, and MBA Law received my private information. 
I have not received any documentation from XXXX XXXX XXXX and associates DBA Law Offices MBA, or MBA Law to allow them to verify the accuracy of their data before placing their accounts with the credit bureaus for collection. 
According to XXXX XXXX XXXX and associates DBA Law Offices MBA, and MBA Laws website ( https : //www.law-mba.com/ ) in the blue section labeled XXXX XXXX letters I was not honorably granted the opportunity, to dispute their debt via mail instead, my credit file was flagged for collection. This proves XXXX XXXX XXXX and associates DBA Law Offices MBA, and MBA Law do not honor their alleged clients wishes as it is displayed on their website. ( See attachments ) As per the Better Business Bureau : XXXX XXXX XXXX and associates DBA Law Offices MBA, and MBA Law continuously violates the FDCPA by attempting to collect on alleged debts without providing any proof of service or goods. XXXX XXXX XXXX and associates DBA Law Offices MBA, or MBA Law do not have my permission to contact me by phone. I accept mail only. My address has been provided on their notice via XXXX Mail XXXX. : EJ XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-08
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:
I have recently become an adult and monitor my account like I should. I purchased a XXXX account which shows the reports for all the Credit Reporting Agencies. As of XXXX XXXX I also purchased the XXXX premium service and found that there were to credit cards opened in the name XXXX XXXX  one on XXXX/XXXX/XXXX and another in XXXX of XXXX. Both of these accounts were opened either fraudulently or by someone who has a similar name than me. There is alone in XXXX, TX where i resided when both were opened over XXXX XXXX XXXX 's. My name is XXXX XXXX XXXX. I have sent Section 609 of the FCRA to have the CREDIT REPORTING AGENCIES to verify that those accounts are mine as well as for them send me the proper documents as per the FCRA states. I have recieved nothing but a credit report with updated infornation stating that account has been verified. I have sent appropriate documents to the Credit Reporting Agencies to support my claim that my name is XXXX XXXX XXXX not basic XXXX XXXX. I have purposely included into my signature my middle name or my middle intial as the two documents show that I have currently uploaded to you. On the Drivers License its a XXXX between the XXXX and The XXXX also as if the XXXX is apart of the XXXX. And on the social security card it spelled out in the middle of the length of the name. I truly am sorry for the long letter of what is happening but after the recent XXXX leaked personal information, I have been fighting with the CRAs for Four Months about their basic FCRA requirements under the Section 609. And then their total lack of caring about a consumer and their lack of building their credit to secure a home loan for his family. Please someone help me. 

XXXX XXXX XXXX XXXX there is over XXXX XXXX XXXX in a 6 hour radius of where i currently live.

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 2022-03-06
Company: Paypal Holdings, Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I purchased qty 2 XXXX XXXX using PayPal from a company named XXXX on XX/XX/14. When the items arrived, they were not XXXX but stuffed blue sharks. I initiated a complaint with PayPal, who said I could return the items for a refund. The address provided was not deliverable- I tried multiple shipping services and communicated this to PayPal XXXX but they sided with the fraudulent company and closed the dispute anyway.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I have tried to contact debt collector to receive proper debt validation several times to no avail. i have also sent several letters by certified mail to receive proper and accurate validation from original creditor. never received proper validation by timeframe allowed legally

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 2017-08-29
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
The mortgage company XXXX stated my house was in bankruptcy and took the payment history completely off my credit report. Please see attached bankruptcy the house was never in bankruptcy. I would like them to show my payment history and that it is not in bankruptcy this is effecting my credit score and credit history. I am a Surviving spouse of XXXX XXXX Service member.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08
Company: SLM CORPORATION
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Only HALF of the amount I paid to Sallie Mae through my OnlIne Bill Payment Service through my bank was actually credited to my loan. Prior to this incident, I had no problem with the FULL amount of my payment being credited to my loan. 

XX/XX/XXXX - {$25.00} paid and deducted from my checking account, only {$12.00} credited to my loan XX/XX/XXXX - {$37.00} paid and deducted from my checking account, only {$18.00} credited to my loan

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: Commonwealth Financial Systems, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a notification on my XXXX credit report on XX/XX/XXXX that a medical debt in the amount of {$890.00} was added to my collections account from medical services rendered in XXXX. I disputed the account immediately with XXXX as I was not aware of incurring a medical debt in that amount nor had I received any medical bills corresponding to that amount. I also submitted a letter dated XX/XX/XXXX and sent it to the collection agency on XX/XX/XXXX requesting validation of this debt. All the collection agency sent me was a letter stating they were attempting to collect a debt for that amount. That was the first letter I received regarding services that they claimed were rendered to me on XX/XX/XXXX! And the name the person is addressed to was not my name as it was not the correct spelling of my name leading me to believe someone may have received services fraudulently trying to use my name. To this date, I still have not received anything validating that this debt belongs to me and that I am liable for paying it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
TransUnion is reporting an account with XXXX which they say has a balance and that is not correct. There is no money owed to that company. Please help me.

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 2017-11-08
Company: Experian Information Solutions 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:
I have recently become an adult and monitor my account like I should. I purchased a XXXX  account which shows the reports for all the Credit Reporting Agencies. As ofXX/XX/XXXX I also purchased the Experian premium service and found that there were to credit cards opened in the name XXXX XXXX one on XX/XX/XXXX and another in XX/XX/XXXX. Both of these accounts were opened either fraudulently or by someone who has a similar name than me. There is alone in XXXX, TX where i resided when both were opened over 50 XXXX XXXX 's. My name is XXXX XXXX XXXX. I have sent Section 609 of the FCRA to have the CREDIT REPORTING AGENCIES to verify that those accounts are mine as well as for them send me the proper documents as per the FCRA states. I have recieved nothing but a credit report with updated infornation stating that account has been verified. I have sent appropriate documents to the Credit Reporting Agencies to support my claim that my name is XXXX XXXX XXXX not basic XXXX XXXX. I have purposely included into my signature my middle name or my middle intial as the two documents show that I have currently uploaded to you. On the Drivers License its a XXXX between the XXXX and The XXXX also as if the XXXX is apart of the XXXX. And on the social security card it spelled out in the middle of the length of the name. I truly am sorry for the long letter of what is happening but after the recent XXXX leaked personal information, I have been fighting with the CRAs for Four Months about their basic FCRA requirements under the Section 609. And then their total lack of caring about a consumer and their lack of building their credit to secure a home loan for his family. Please someone help me. 

XXXX XXXX XXXX P.S there is over 250 XXXX XXXX in a 6 hour radius of where i currently live.

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 2017-11-08
Company: EQUIFAX, 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:
I have contacted Equifax and XXXX XXXX XXXX at least 10 times over last 3 months. There are 2 collection accounts on my report that are clearly not mine. The Collection company does not even have my social security number or name in their system. They said it was a file merge that 's how the account showed up on my file. They have contacted Equifax over and over to verify this is not my account and Equifax refuses to remove this account in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This was not sent in error. I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized use of my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-08
Company: SECURITY FINANCE CORP
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: Investigation took more than 30 days

Complaint:
The only problem I have with PFS is they told me they report to all three major credit bureaus and that was almost a year ago, my loan still has not showed up on my credit. The hard hit has, but not the loan. The only reason why I bought my vehicle was to build my credit. I bought this vehicle to build my credit because I had very little. I was hoping to not even have the car this long. I was going to trade it in for something better once my score went up some. I have asked them multiple times about this and they say they are working on it that it could take another year for it show. Everyone I have spoke to says it never takes that long for a company to report your loan. I 'm sure if I did n't pay they would reported nonpayment to all three major credit bureaus in two seconds. Just very frustrating. I have made all of my payments on time with PFS even made early payments.When I went to trade in my XXXX XXXX the dealer from XXXX XXXX said my credit score was bad because I had not made any payments on my XXXX, and the credit report showed that I never owned the XXXX or taken a loan out for the XXXX. Now mind you I have proof of all my payments that I have made. They have totally ruined my credit and when I called them they said their system had been down for a year-and a 1/2 and that theyre not required to report to any credit bureaus.. please help me ... Ive reached out to them, spoke with XXXX XXXX no results. Reach out to XXXXXXXX XXXX, No results ... Im XXXX years old I shouldnt have to go through this just because I was a first time buyer. If we make an agreement it should be written in stone. Please help me. This is madness For every payment be reported to all three major credit bureaus or the corporation can have the vehicle back with no penalty or expected charges or fee due to no wrong doing on my behalf.. 

I have proof receipts of all my payments made and I also have proof of other complaints from people this year who have problems similar to mines with PFS none are good.

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 2020-09-25
Company: WELLS FARGO & COMPANY
State: CT
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
We are writing in hopes that you may be able to assist us with an issue we are having with Wells Fargo Bank. 

We are a XXXX XXXX XXXX XXXX  in our tenth year of business, that has been hit during the pandemic. We provide musical theatre, acting and voice lessons, and also the opportunity for children to perform. This is a high-risk business as it involves singing, dancing, and acting indoors. As a result, we have not had children in our space since early XXXX, and are in the process of vacating our brick and mortar studio space as we try to hang on with an online platform. 

We signed a 60-month lease in good faith, for a copy machine with Wells Fargo bank. We have 42 months left on the lease of the machine and they will not let us return the machine or negotiate an early lease payout. We are well aware of the shady practices Wells Fargo has engaged in in the past and given the circumstances feel this is a cruel and unnecessary burden to put on a business facing the losses we are facing. The service company that provides the machine and supplies the paper is happy to take it back and cancel the lease but their hands are tied. 

The machine is an XXXX pagewide model # XXXX and is provided and serviced by XXXXXXXX XXXX   out of XXXX, Ct. The lease is through Wells Fargo at {$78.00} per month and they insist that we continue to pay for it for four more years despite that we have no use for it now. XXXX XXXX has been sympathetic and have lamented that many of their customers have received this kind of rigid hard-line treatment from Wells Fargo. Wells Fargo certainly didn't have a problem taking the bailout when they needed it from the government. 

If there is anything you can do on your end to persuade Wells Fargo to do the right thing and let us out of our lease, or at least provide a compromise buy out, we would be so grateful. 


XXXX XXXX XXXX, XXXX XXXX, and 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 2019-04-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquires which qualified for deletion from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-21
Company: SUNRISE CREDIT SERVICES, INC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The name of the collection agency is listed under all 3 credit bureaus but they have not verified the debt

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Capital One will not increase my credit limit from XXXX to XXXX, I have a XXXX credit score, am Never late on payments and I own my home and have a mortgage with XXXX XXXX. I have paid off 2 car Loans and I have less than a 4 % revolving credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
Company: EQUIFAX, INC.
State: AZ
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:
Equifax ; XXXX and XXXX should not be reporting a balance of {$390000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was sold to XXXXXXXX XXXX XXXX XXXX XXXX needs to report a {$0.00} balance. This duplicate reporting of a balance due is seriously harming my credit score and this line item needs to be updated. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus, as well as XXXX to fix this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21
Company: CITIBANK, N.A.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Citibank ran a promotion Fall XX/XX/XXXX that stated if an individual opened an account and deposited {$15000.00} with the deposit remaining in the account until XX/XX/XXXX the individual would receive a {$400.00} deposit into their account. I opened an account, deposited the funds required and did NOT receive the {$400.00} promotion. I contacted Citbank and they related that I did not enter a code when setting up the account. No information was provided during the promotion that a code was necessary. I would appreciate any intervention with Citibank to receive the promotion amount as I experienced this process as a 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 explanation
Consumer complaint received 2022-03-06
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am a licensed general XXXX in NC. ( no XXXX and currently XXXX ). I was a self ( with family ) financed developer building houses without banking involvement. XXXX Bank, now Suntrust Bank allowed XXXX XXXX to open a business account when in XXXX when she was no a member of the corporation. In doing so, XXXX XXXX XXXX was able to embezzle about {>= $1,000,000} from about XXXX until XXXX. She worked from my companies. About XXXX, I did established XXXX XXXX with the NC Secretary of State and list her as a member. I had no ideal that she had previously opened those accounts. After she was listed as a member, she closed out my accounts and went on to embezzle millions more threatened to injury our children, That Fact is, she is from XXXX, migrating to the United States in XX/XX/XXXX. I have included several attachments with exhibits to help you understand what they did. The they will be XXXX XXXX, Suntrust Bank and a bunch of lawyers violating federal laws. 

Please review the exhibits and attachments.

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