BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-05
Company: TriVerity, Inc.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received several threatening, harassing, and deceitful debt collection letters from TriVerity , Inc. on XX/XX/XXXX, XXXX, and XX/XX/XXXX of XXXX regarding an alleged debt of {$9100.00} as of XX/XX/XXXX. 

The alleged Loan # XXXX was acquired from XXXX XXXX XXXX XXXX located in the state of Georgia. 

I do not know this company ( Triverity , Inc. ) and I have not entered into a contractual agreement regarding said alleged debt owed to XXXX XXXX XXXX XXXX and I told them of such. 

Hence via Affidavit of Validation of Debt, I, vehemently, dispute the debt and requested validation of the alleged debt. To this date, I have not receive an Affidavit proof of validation of this debt from Triverity , Inc .

Additionally, via Affidavit of Truth and Fact, Triverity , Inc. was notified that they have violated several of my consumer rights via the Fair Debt Collection Protection Act. To this date, I have not received Affidavit of Truth and Fact response from Triverity , Inc .

They are as follows : 15 USC 1692 ( C ) ( A ) 15 USC 1692 ( B ) ( 2 ) 15 USC 1692 ( D ) ( 2 ) 15 USC 1692 ( F ) ( 1 ) 15 USC 1692 ( B ) ( 5 ) Finally, I have sent a second Affidavit of Truth and Fact and a Notice Of Demand for Cease and Desist which I have yet to receive an adequate Affidavit response from Triverity , Inc .

I have an attachment of All Affidavits and Exhibits that show how Triverity , Inc. has on numerous occasions via mailed letter violated my consumer rights and caused mental, emotional, and financial stress to me and my family.

Please peruse the Affidavit of Truth and Fact, the Second Affidavit of Truth And Fact, the Affidavit of Validation Of Debt, and the Affidavit of Notice Of Demand To Cease and Desist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-21
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
This goes out to Synchrony Bank ( Belk Rewards MasterCard ). Since XX/XX/XXXX, I have experienced fraudulent activity. Not once, not twice, but I had 6-7 different cards sent to me. ( I was a victim of identity theft ). Here it is XX/XX/XXXX, 9 months later, I have a {$3300.00} credit limit and somehow a {$6100.00} balance. This has ruined my credit and stripped me of my financing power and Synchrony Bank, Belks fraud investigation team, could give a XXXX less! I have turned in numerous fraud claims, at this point in time, they waste 30 days at a time of my time, and tell me it will be handled, just for me to receive letter after letter in the mail, saying that I authorized this purchase or allowed someone to use my card which is the absolute furthest thing from the truth as they continue to come up with excuse after excuse and do anything in there power NOT to fix my issue. I highly suggest you stay away from this company, they are a bunch of frauds!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
Company: U.S. BANCORP
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022, I mailed check number XXXX in the amount of {$3100.00} as payment to one of my vendors. Check number XXXX was stolen from a USPS mail box. On XX/XX/2022 I discovered check number XXXX had been cashed by a person of the name XXXX XXXX instead of my vendor XXXX XXXX XXXX. I immediately called US Bank and got in touch with the fraud department. Since then I have received three letters asking for the same information in regards to what happened. The first letter I responded to from US Bank was on XX/XX/2022. The second letter I responded to XX/XX/2022. The third letter I responded to XX/XX/2022. Each time I filled out the requested paperwork and emailed it back to US Bank. Nothing has happened since.

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 2022-09-29
Company: WELLS FARGO & COMPANY
State: AL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Wells Fargo hasnt been able to transfer the mortgage from my deceased mom into my name for almost 3 years. When Hurricane Sally hit Alabama and was declared a natural disaster by fema Wells Fargo still has not been able to endorse checks even though we have completed all hoke repairs out of pocket. It truly appears that Wells Fargo is trying to take our home.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
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:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

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 2022-08-02
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I received a letter from Synchrony Bank stating that I was denied a PayPal Credit account that I never applied for. The letter has a reference number to refer to get more information on what happened and that the card was not approved due to Identity Theft Risk Factors. Synchrony lucky identified this and stopped the approval, as I never requested or started this. However, I have been on the phone trying to get information on this and the customer support does not seem to take this seriously. I have had to call five times as they kept disconnecting me and not calling back. The phone system takes 5-10 minutes to get through each time, because it is trying to get your account information, since I do not have an account this is a long process to talk to someone about this identity theft. I have gotten through a couple times and was on the phone with fraud and security team that said they had the information pulled up and then they transferred to start the process all the way over. I have been working on this for over four hours and keep getting transferred around or placed on holds for 45 minutes at a time. This seems very ridiculous and not helpful in this stress time. After being on the phone again for XXXX hour XXXX minutes and speaking with a supervisor they just set my call back to the starting message again. This company is not taking this seriously and I deserve the right to be assisted in this case.

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 2022-08-24
Company: Experian Information Solutions 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:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, IN XXXX, XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$5100.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$200.00}, Inquiries Not Included XXXX : XXXX XXXX XX/XX/2021 XXXXXXXX XXXX XXXXXX/XX/2021 XXXX XXXX XXXX FIN XX/XX/2021 XXXXXXXX XXXX  XXXX XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 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 2023-01-27
Company: Westlake Services, LLC
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I called to ask for a temporary deferment as i am struggling financially. My husband is injured and only receiving partial salary which has put the obligations on me that we usually split. I asked for temporary help as he should be returning in two months or so to full time and we will be OK. I spoke to an agent who kept telling me i had no options because my account was current and the only thing i could do if i wanted help was let me account go delinquent. I knew that could not be right so i asked for a supervisor. i then got XXXX XXXX, who treated me like a degenerate, embarrassing me for even asking for this temporary assistance. Initially, he confirmed what the representative had said i could apply for a deferment once my account wad delinquent. i explained i was calling now, XX/XX/XXXX because my next payment is XXXX. XXXX and i pay half the first two weeks of the month and half in the end of the month. If i waited passed XX/XX/XXXX and the deferment was rejected, i would owe the entire amount and be in a worse financial position. also explained in my condition i did not want that kind of stress and may be unable to call in at that time. He made terrible comments to me like " you knew these payment would be owed when you got XXXX '' and " your responsible for 48 months not your husband '' talking down to me making me feel worse about a situation thats already embarrassing. i KNOW my obligations and always pay my bills and called in timely to make sure to take care of this in advance. it is unconscionable that i would have to let my account be delinquent to get any assistance as if i am punished for paying timely and upholding my obligations. I am also disgusted with the way XXXX XXXX spoke to me and he needs to be in additional training and perhaps remember customer service involves human beings. The things he said and the derogatory comments which i recorded to a good customer and XXXX woman were UNACCEPTABLE. no one should ever be treated that way.

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 2022-08-24
Company: Experian Information Solutions Inc.
State: NV
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:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-08-02
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I just received notice on my complaint filed XX/XX/2022 CFPB # XXXX that the company needs 60 days to respond and or investigate my complaint. This is unacceptable and a violation of the FCRA which states they have 30 days to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my six attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) The consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

Again, the accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$220000.00}, XXXX XXXX Balance {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.

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 2022-10-22
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Truist Bank began servicing my loan effective XX/XX/2022. In the notice of servicing transfer letter than Truist Bank sent me on XX/XX/2022, Truist Bank instructed me to login to their website in order to create an account and pay my loan. 

On XX/XX/2022 at XXXX XXXX I attempted to create an account on the Truist Bank website through the instructions provided in the notice of servicing, but the website repeatedly suffered from a technical issue which prevented me on multiple attempts from creating an account. 

On XX/XX/2022 at XXXX XXXX I attempted once again to create an account on the Truist Bank website in order to pay my loan electronically, but faced the same technical issue that prevented me from creating an account. The technical issue originates from inadequate coding practices performed on behalf of Truist Bank in the way they validate existing user ID 's. I called Truist Bank at their toll-free Client Services Department telephone number and spent 12 minutes on hold until I was connected with a customer service representative. After explaining my issue, the representative stated they would transfer me to technical support, but they did not transfer me and instead put me back into the call waiting queue where I spent an additional XXXX minutes on hold until I was connected to a representative. The representative stated that they were not able to have a discussion with me, and ended the call. 

In doing so, Truist Financial has prevented me from creating an account in order to pay my loan online, which leaves me with no other option than to pay my loan via direct deposit, which requires mailing a direct deposit authorization letter, or mail physical letters to their address, incurring significant postage expenses on my behalf.

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 2022-08-02
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I XXXX XXXX have been having a credit card collection debt on my account. The credit card collection is using INcorrect opened account date that collection remains on my credit after 8 years meeting FCRA requirements. 

Information of account : Original account : XXXX Opened date : XX/XX/XXXX Closed date : XX/XX/XXXX Collections account : MIDLAND FUNDING LLC Opened date : XX/XX/XXXX Closed date : Remains open. 

The collection on my credit report should have been dropped off from my account as of : XX/XX/XXXX. The collection remains on my account as opened using the Incorrect opened date. Collections agency MIDLAND FUNDING LLC opened collections on XX/XX/XXXX as opposed to XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Experian and XXXX is still reporting XXXX XXXX  as late or missed payment this account is supposed to be reported as good standing as everything including late fees was credited to this account its reporting account as late which is not accurate and its also reporting two missed payments which is false

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 2021-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 a follow up dispute to Transunion about the negative inaccurate account of XXXX  XXXX and the FCRA violations to my Credit Report Im the attachment will be proof of my identity with utility bills with my current address and proof of the inaccuracy of the XXXX  XXXX account Any documents of proves will be in file 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