BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-26
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:
I went to the car dealership to purchase a vehicle. I was informed that my credit would only be pulled by I creditor. However there are 8 inquires. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
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:
In accordance with the Fair Credit Reporting Act. The accounts below have violated my federally protected consumer rights to privacy and confidentiality. 

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

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

15 U.S.C. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: EQUIFAX, 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 Account # XXXX, has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Company: Pollack & Rosen, P.A.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
They call all hours and every family member and people known to me and disclose my personal info. They are rude and abusive on the phone and make threats

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25
Company: SUNTRUST BANKS, INC.
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I had a few accounts with SunTrust Bank. On or around XXXX XXXX, 2015, I was notified that they will be closing my accounts, and that I should be receiving a check for the balance within 30 days. They put my accounts in a no debit status and I had no access to my funds. I called them repeatedly, and they told me the fraud department was the one handling it, but that they do n't speak with the public. Fast forward 30 days later, and still no check is received. When I call, they tell me that it 's still under review, and the account is still not closed. In the most recent conversation I had with one of their customer care supervisors, XXXX, she told me that the fraud department told her they do n't have a turn around time and that I could have access to my funds if I went into a branch and spoke to a branch manager. I was told this while they knew that the nearest branch to me was 3 hours away. I called the branch manager this morning and she said that there is no way for me to access the funds until the fraud department sends a check. She also said that they did not start reviewing the case until XXXX XXXX, about 2-3 weeks after they had frozen my account. This is ridiculous and this bank should not be able to legally do hold my money for as long as they have. It 's like one big ponzi scheme.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04
Company: AES/PHEAA
State: SC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Have been making payments to the company {$190.00} & {$210.00} a month is all I can afford as a teacher. I have begged and tried to get the monthly payment lowered to that any they are not working with me, no matter what even though Im paying them as much as I can. ( AES ) I am not trying to default on these loans, but I only make so much and with raising XXXX small children my budget is not flexible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: EQUIFAX, INC.
State: SC
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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXXXXXX XXXX XXXX  # XXXX, XXXX XXXX # XXXX and XXXX 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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: SUNTRUST BANKS, INC.
State: NC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
We were offered a payment extension on our loan which stated that the payment would be moved to the end of the loan and that our final payment might be " slightly '' more. It is close to XXXX which in my opinion is not slightly more than {$590.00} which is what our final payment was to be. I truly feel that the advertising for this extension was fraudulent & deceptive and had we known that there would be that big a difference in the final payment along with having to still make the payment that was skipped, we would have never agreed to 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 monetary relief
Consumer complaint received 2022-02-19
Company: EQUIFAX, 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: Experian Information Solutions Inc.
State: SC
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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX and XXXX 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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any 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 2015-04-30
Company: AES/PHEAA
State: IL
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
I am taking legal action against National Collegiate Trust/NCO but their servicer American Education Services keeps contacting me about the past due loans which I have wanted moved to another servicer. I had a rep ask me when I will make a payment when I advised her that National Collegiate Trust or NCO will have to contact my attorney which I advised them of several times. They removed the attorneys phone number which I am not why they do that, I have the copy of the retainer I signed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: EQUIFAX, INC.
State: PA
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:
Improper use of credit information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Improper use of credit information 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 non-monetary relief
Consumer complaint received 2018-03-22
Company: BANK OF THE WEST
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I have a HELOC line of credit at Bank of the West. I recently took an advance ( {$200000.00} ) against the line and paid it back over several payments. I made the payments at the branch. When I checked the posted date of the payments on my account they were over a week after I had made them at the branch ; 11 days for one and 8 for another. The deposits were made on XX/XX/XXXX and XX/XX/XXXXand not posted untilXX/XX/XXXX. I was charged interest for these days. 

I contacted the bank and they told me that the branch system and the loan processing systems were different systems and the posted date that the loan processing department used may not be the same as the date that the payment was made at the branch. They initially asked me to prove the deposit dates at the branch by giving them the receipt ; however, I do not keep those and most people don't either. They eventually were able to confirm with the branch on the deposit date correct the error. 

I have had this line of credit for several years and have taken many advances and payments. However, I did not keep track to make sure that they posted the payments correctly. I assumed since they were a bank, and everything was electronic these days, it would be done correctly. Because of this experience I asked them to audit all my payments to check posted date of the payment against the deposit date at the branch for the entire history of the line. They informed me they were not able to do this because they don't have the transaction record at the branch. I think it is absurd that they would not retain this record.

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 2017-02-05
Company: AES/PHEAA
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
XXXX XXXX, XXXX Dear Consumer Financial Protection Bureau, I have XXXX loans with PHEAA and have paid $ XXXX monthly for 8 months ( since XXXX XXXX XXXX as part of the PHEAA Defaulted Student Loan Rehabilitation Agreement. 

PHEAA stated in the Student Loan Agreement Letter that they would not charge me more than 16 % interest in the PHEAA Defaulted Student Loan Rehabilitation Agreement ( please see Bullet XXXX attached ). 

However, PHEAA has continually been charging me 18.5 % interest or more on all XXXX loans. 

I have sent PHEAA emails and letters showing this 18.5 % error and calculating the correction, yet PHEAA has never contacted me, addressed my letters, nor corrected their mistake in applying excessive interest towards my XXXX rehabilitated loans. 

I write to resolve this situation and correct the Loan Interest to the agreed 16 % or have PHEAA delete the interest due altogether. 

Thank you for your extraordinary work. 

Respectfully, XXXX XXXX cc : XXXX Colorado

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: Resurgent Capital Services L.P.
State: NM
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/22 XXXX from Resurgent Capital Services stating I owed money from a credit card {$1300.00}. I replied in writing asking where this debt was from and why. 

XX/XX/22 XXXX from Resurgent Capital Services stating they had initiated a review and then they sent a account summary which provides verification of debt. I replied in writing that this was not my name and I had never lived in NY where this persons address is listed. 

XX/XX/22 XXXX from Resurgent Capital Services stating again that they were sending me verification of debt. Again incorrect name and address. On XX/XX/22 I sent a letter to Resurgent Capital Services stating this was the wrong name and wrong address and that I would file a complaint if they did not stop sending something for someone else. 

XX/XX/22 Letter from Resurgent Capital Services stating again that they were sending me verification of debt. Again the incorrect name and address. Letters mailed to Resurgent Capital Services stating that again this is not my name or address. Also complaint filed with CFPB and States Attorney Generals of SC and NM.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-24
Company: Kelsting Group, 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:
I was given a copy of my credit report, and there was a collection account listed. I have since reached out to all 3 of the credit bureaus by phone and my mail to address the fact that the account in question does not belong to me. I have never had an account with the company in question. I do not have any other information reporting on my credit report besides this one company. XXXX, XXXX or XXXX XXXX XXXX has not reached out to me in regard to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Have been in a complicated process with Wells Fargo Home Mortgage. To make it short - they are foreclosing on my home - EVEN THOUGH IT '' S BEEN SOLD!!! No - not a short sale - SOLD OUTRIGHT!!! They have been provided all the required documentation including sales agreement from XXXX XXXX XXXX. This was given to them in XX/XX/XXXX. They have turned it over to their attorneys and have contacted the local sheriffs office. This is all to pile on as many fees as possible before the closing. The phone calls by me and the real estate company to Wells Fargo have been exhausting. Switch around constantly from person to person who could do nothing. Finally about a week and a half ago, I was in contact with a XXXX XXXX - who I believe is a " higher up '' and she guaranteed me that the foreclosure process was " on hold '' and that I was charged only {$1000.00} in fees ( only? ). She said that she would see to it that the local sheriffs office was contacted letting them know of the situation and that they need not be involved. We were just waiting for the buyers to get their V.A. loan which the real estate agent said would be very soon. Other than that - all parts of the process have been completed - inspection, appraisal, etc. The buyers are excited and ca n't wait to move in. BANG - about a half hour ago, the local sheriffs office came to serve me with eviction papers!!! ABSOLUTELY INCREDIBLE!! The emotional pain and suffering that I have gone through has been incredible and unbearable. I have no choice to meet with an attorney ( XXXX today ) and deal with this matter through that avenue. From what I understand, XXXX is considering the same. Anyone considering a mortgage from Wells Fargo should be advised against it. Even if they offered the lowest possible interest rate it the world - DO N'T DO IT!!

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 2020-10-01
Company: ACIMA CREDIT, LLC
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: Problem with personal statement of dispute

Complaint:
XX/XX/20 was contact by acima credit said pay {$610.00} and they would settle account and have remove from credit they didnt do it And instead reporting as {$170.00} charged off but account legally paid in full which is still causing to show like I owe them money and is in a negative state I spoke with them several times was hung up on or told they have no control over this but like I told the lady you ( acima ) are the ones sending in report also I was told this would be remover from my credit like I told her check your records and recordings because this is what I was told

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Upon viewing a possible credit report associated with a tax identification number of which I am the authorized representative I noticed a myriad of inquiries and one revolving credit account. This information is being shared by any or all of the three credit bureaus namely XXXX, Equifax and XXXX. TheFair Credit Reporting Actgives an authorized representative the right to dispute information they believe to be incorrect or unverifiable. Credit reporting agencies are responsible for removing any disputed information that cant be verified or confirmed. Theyre also obligated to provide a description of the dispute process if you request it in writing. I have seen that these agencies are reporting information without my authorization or my knowledge. This is complaint is a formal request toward the three credit reporting agencies to make available the document authorizing them to make this information public. In an age with identity theft, artificial intelligence, robocalling and robo-signing, how can we be certain that a man or woman is authorizing any action taken in this digital world. Please make available any and all documents with a wet ink signature demonstrating an authorized user has given consent to any and all information made available on the credit profile associated with the corresponding tax identification number. If any and/or all of the reporting agencies can not provide this then I demand the information be removed as I am the the authorized representative of the corresponding tax identification number and my wet ink signature is provided along with this complaint. Furthermore, if the document being provided by me, the authorized user, is the evidence being used to support the veracity of the information that does not serve as valid proof as the information was reported before my complaint was filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18
Company: Critical Resolution Mediation LLC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
called with voicemail saying they would contact my job and named my employeer and also that i will be having a case filed against me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed
Consumer complaint received 2022-05-26
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation