BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-09
Company: USCB Corporation
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
USCB Corp. has attempted to collect this debt by threats and also placing the debt on my credit report more then 3 times. I find this very unprofessional and all deb5ts should only be reported once on a single persons account not twice and not even three times. Not only is it making the debator 's look bad but its also making the three bureaus look unaware and careless to report something correctly and truthfully. Account # XXXX should only be on this credit report once not three times or more. 

I would appreciate if this error was reported and handled properly. 

thank you 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 2020-05-18
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased a WiFiBooster On the internet using my MasterCard XXXX Transaction date XX/XX/2020 XXXX merchant purchase Terminal XXXX XXXX XXXX XXXX USD {$58.00} Never received WiFiBooster Nor has BNY Mellon / MasterCard Helped Incidentally the company from whom I purchased the WiFiBooster has many fraudulent complaints on the Web

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: EQUIFAX, INC.
State: CA
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:
My info was stolen from me around eight years ago when my house was robbed. Ever since someone has been using my personal private info to open accounts in my name. I filed a police report and an identity theft report. I disputed all fraudulent items with all 3 credit bureaus and still they have done nothing. I am furious that someone can just get stuff in my name so easily and no one is doing anything to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-09
Company: Experian Information Solutions Inc.
State: OH
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 was pulling my credit report up to get preapproved for my mortgage, I noticed several thing that are not right.first up my name is XXXX XXXX XXXX PLEASE DELETE any other name. My SOC SEC # XXXX DOB XX/XX/1984 please remove/delete any other SS numbers from my credit report they are not me, someone else information. My only address is XXXX XXXX XXXX, XXXX, OH XXXX. Please remove the following Fraudulent addresses:XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX I do not know who SSN : XXXX SSN : XXXX SSN : XXXX not mine please delete. I have an account with a false 60 day late payment that was never late : XXXX  XXXX  # XXXX inaccurate please delete. 
I have never done business with XXXX or XXXX XXXX XXXX # XXXX please delete this account it may have belonged to one of the other SS and names on 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 2020-05-24
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: Investigation took more than 30 days

Complaint:
I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/XXXX and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.

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 2018-03-30
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
back in 2008 when then the banks fell like XXXX it was of corruption going on with banks like XXXX it was some illegal things going on with clients debt like mines have assurance in case I lose my job they suppose to cover me but doing that time my identity was stolen some debt collectors claims which I don't owe them. [ the name company was XXXX XXXX ] for some reason they got a default judgement against me claiming I owe them interest and paying their time for gas and other things. please call me I need your help. they garnish my XXXX XXXX wages which they was not satisfied XXXX XXXX dump them for being dishonest please call me XXXX XXXX XXXX my name is XXXX XXXX. sincerely thank you XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
There are 2 Accounts listed erroneous by your company. I am disturbed that you continue to list a dismissed file bankruptcy as confirmed. I am aware that you receive your information from a third party verification system known as a XXXX  XXXX. This system is sometimes inaccurate because of the limitations of providing a complete social security number. Although it is your policy to keep reporting bankruptcy that is filed dismissed or adjudicated for 10 years, The Fair Credit Reporting Act mentions nothing in section 1681 ( c ) relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or date of order for relief. Any case civil or otherwise which is dismissed no longer exists in the eyes of the law and the case file may have never been adjudicated. You have no right to obtain information which the government had deemed non existent. It is only fair that in accordance with section 1681 ( a ) of The Fair Credit Reporting Act you delete this from my credit report and send me an updated copy considering it does not require an investigation i would appreciate your response within two weeks from the date you receive this letter. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 a company that I have never done business with that is reporting a fraudulent account on my Credit Report. XXXX XXXX XXXX I do not have a loan or contract with them this account is Unverified the is not details or address to contact WTH? Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. PLEASE MAKE SURE MY CORRECT INFORMATION IS IDENTIFIED DOB XX/XX/XXXX SS XXXX Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

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 2019-03-09
Company: Aargon Agency, Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
HIPAA VIOLATION ... .Please be advised I have requested " validation '' { not verification } of XXXX itmes you reported to the credit bureau.I have received a response that clearly violates my rights according to HIPAA . 

XXXX did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation as well. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

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 2020-07-13
Company: Freedom Mortgage Company
State: NC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This is my second FCPB complaint with Freedom Mortgage, A loan officer called me after 3 weeks of trying to get ahold of them. They promised the world and would help me out, My credit score met the minimum but after they ran my credit it drop by 2 points and I was denied. They have refused to contact me their customer and explain the situation or even try to work with me. So far I have spent over 1 month trying with my lender to refinance my loan and have had no luck or no one to speak with with the exception of 1 20 mn phone call and nothing after 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 2018-03-05
Company: Ditech Financial LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My doublewide home and land had already been sold. I don't know the dates exactly, but they wouldn't let me catch it up on payments. The money that I did send XXXX XXXX, they didn't take it off my balance. They did send XXXX XXXX dollars back. They kept the rest because I never saw it.I don't know my account number or loan number. My address was XXXX XXXX XXXX, XXXX, S.C.XXXX My cell number is now XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: Meridian Financial Services, Inc.
State: AL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
My deceased father owned a time-share in Florida ( XXXX XXXX XXXX XXXX ). Somehow upon his death, the XXXX XXXX XXXX  @ XXXX XXXX Country Club/ ( XXXX ) have began billing me for some type of costs or other fees related. I am not at all involved, nor was I ever, in any type contractual agreement with the company. I have never visited the property nor stayed there, ever. I have applied for a mortgage recently. I only have 3 negative reporting items on my credit - All 3 are from this company who refuses to talk to me after hours and hours of trying to reach them. I always get shuffled around before I am hung up on. It's costing me ( eternal ) $ $ in my rate-lock and time off my job trying to earnestly resolve. Although after months I still have been unsuccessful in speaking to anyone that seems to care. Now the bogus debt is being reported by Meridian Financial, a collection agency who now seems to holding a bogus debt and is reporting 3 separate items - 2 quite large, for something I am totally un-obligated for.

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 2019-03-09
Company: SUNTRUST BANKS, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX entered agreement with XXXX XXXX XXXX XXXX XXXX XXXX install new A/C and heating. We financed through them {$8400.00} for 48 months no interest, through XXXX. In XX/XX/XXXX installation took place. XXXX sent written billing requesting {$170.00} per month. We paid the {$170.00}, but paid 2-3 extra payments and set auto payments of {$170.00} thereafter. XXXX unilaterally changed the term of the agreement by adding terms not agreed upon -- 1 ) monthly payments ( agreement payoff total within 48 months no interest ) ; 2 ) if additional payments made they still demanded monthly payments ; 3 ) and if {$170.00} was not paid each month then a late charge is being imposed. At least 3 phone calls were made to XXXX and email with a copy of the XXXX agreement, but they refused to follow the agreement, sending their own unilateral agreement which was never agreed too or signed. A letter was sent XX/XX/XXXX setting out our position, advising of the dispute and our previously having provided the signed agreement with XXXX, asking for clarification on how they wished to proceed. No written response or communication via email as requested. They make unwanted calls just about weekly to my wife, XXXX. They are harassing and annoying, and send demands for payment, including later charges.

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 2021-11-03
Company: EQUIFAX, INC.
State: MD
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: PNC Bank N.A.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
Your questions are ridiculous. The problem is your system. It will not let me link to the government agency so they can deposit my XXXX loan!!! It says they have made a change and it will not let me link it!! Can you fix this? Hurry! 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
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: Public record information inaccurate

Complaint:
There are 2 Accounts listed erroneous by your company. I am disturbed that you continue to list a dismissed file bankruptcy as confirmed. I am aware that you receive your information from a third party verification system known as a XXXX XXXX. This system is sometimes inaccurate because of the limitations of providing a complete social security number. Although it is your policy to keep reporting bankruptcy that is filed dismissed or adjudicated for 10 years, The Fair Credit Reporting Act mentions nothing in section 1681 ( c ) relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or date of order for relief. Any case civil or otherwise which is dismissed no longer exists in the eyes of the law and the case file may have never been adjudicated. You have no right to obtain information which the government had deemed non existent. It is only fair that in accordance with section 1681 ( a ) of The Fair Credit Reporting Act you delete this from my credit report and send me an updated copy considering it does not require an investigation i would appreciate your response within two weeks from the  date you receive this letter. 

Sincerely 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 2020-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
My charge off account from 2013, has been listed on my credit report multiple times, the company XXXX XXXX, XXXX, XXXX XXXX, is the same company but they report they transferred it only to add a charge off again and lower my score. 
I have disputed this account with the credit bureaus and XXXX XXXX has Responded with it's correct information, which means they lied and I can file a lawsuit I want this off my credit report, they need to be investigated, they did this to my wife also.

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 2019-03-09
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
During the year 2017 I went to XXXX XXXX to purchase a bed, and wanted to use my XXXX XXXX card to pay for it. The limit on the card was {$700.00}, and I requested them to raise the limit to {$2500.00} so that I could pay for the bed. They rejected my request, saying that there was an outstanding debt reflected on my credit report. I knew nothing of any debt and immediatelt went to the credit bureau to see what this could be. I was horrified to find that on XX/XX/2017 a company, XXXX XXXX XXXX, supposedly acting on behalf of HSBC Bank, Nevada, had lodged a debt owing of {$460.00}. I have never heard of either company, and requests to them to have this removed have gone unanswered, and my complaint to the credit bureau was negatively responded to, and they told me to contact you. 

Because I do not have any credit cards or other debts other than my home and car, I haven't worried too much about it, but I just had my car refinanced by my bank and they mentioned this to me again, and penalised me because it was still unpaid by adding 2 % onto the interest rate that they would have charged me had it not been there. 

I have copies of the correspondence sent to both XXXX and XXXX XXXX should you wish to see them, and I would be grateful if you could advise me what further steps I can take to get this debt removed from the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: Experian Information Solutions Inc.
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:
In XXXX of 2021, we received notification of a 30 day late payment to holiday inn. We disputed the late payment and confirmed with holiday inn that our account was in good standing ( see attached ). The dispute results returned, the 30 day late payment was removed for XXXX and applied to XXXX. The account is still not 30 days late. After speaking to XXXX XXXX, they said they were never made aware of a dispute, did not report a 30 day late payment and confirmed again that our account was in good standing. We submitted another dispute to experian and the dispute results came back as no change. XXXX XXXX once again confirmed that there was no late payment and that they never confirmed the inaccurate reporting. This is badly affecting my credit and has been an issue now, with no resolution for 3 months.

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 2021-11-30
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
MY IDENTITY WAS STOLEN SEVERAL YEARS AGO AND I'M HAVING ISSUES WITH A COLLECTION ACCOUNT THAT IS DUE TO THIS MATTER.

Company response to consumer: Closed with explanation