BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-08
Company: United Debt Counselors, LLC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I'm a XXXX year old, retired, widow living on social security. In XX/XX/XXXX UDC, LLC sent me a " pink '' misleading threatening letter. Within said letter were references to UDC XXXX  and United Debt Counselors. The letter referred to a credit card debt of {$37000.00}, with an estimated settlement amount of {$16000.00}, current credit card payments of {$1100.00} and new proposed program payment of {$560.00}. Stated I should contact their offices within 10 days of receipt of the letter regarding adjusts of my credit accounts and " failure to make your minimum monthly payments will likely result in interest accruing on your unsecured credit balances at an unreasonable rate. ( In addition, penalties may accrue in the event of unpaid obligations. '' The problem being I've never had credit cards with the financial institutions claimed. 

In XX/XX/XXXX, the Federal Trade Commission entered into a Stipulated Order for Permanent Injunction with United Debt Counselors wherein United Debt was ordered to pay {$9.00} XXXX. In that complaint United Debt misrepresented that consumers had credit card debt and charged advance fees for debt relief. Why is this company still in business?? 

I contacted the company and was told they were not " attempting to collect a debt, '' but were a debt relief company who were offering their services " to alleviate credit card debt. '' Which is a whole lot different that what their " pink '' letter purports. One would read the wording of the letter and assume that if we did not call them within 10 days I wold be subject to interest accruing at a unreasonable rate. 

The Federal Trade Commission or Consumer Financial Protection Agency should prevent companies like United Debt Counselors from pressuring consumers through the use of this type of intimidating, misleading letters which are only meant to coerce consumers to fall into their trap and scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Experian inaccurately reports a XXXX XXXX account to my credit file. The following account was allegedly charged off in XX/XX/XXXX. Since then it has repeatedly been updated as charged off every month. This is an update to the payment history of my credit file ; which to my understanding, charged off accounts should NOT include an active payment history. This falsely manipulates the statute of limitations and violates my rights as a consumer per the FCRA. 

I have already spoken to a representative via telephone, and have explained that this invalid account is hindering my ability to obtain new accounts and costing me thousands in interest each year due to their mistake. They advise me to send a dispute letter via mail, which I do, with no response. 

This account has not been reported to XXXX or XXXX, only Experian, and the company refuses to delete this account from my file. I even paid XXXX XXXX {$120.00} ( proof was mailed to Experian ) in attempt to settle and close/ delete the account in XX/XX/XXXX but again, Experian refuses to respond or delete the account. 

I have tried numerous times to dispute this invalid account with Experian, only to receive no response and no update to my disputes. My last dispute letter was mailed to Experian on XX/XX/XXXX with no response and no attempt to investigate further into this matter, which is a violation to my rights as a consumer. 

I am demanding a deletion of the following account immediately : XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: SUNTRUST BANKS, INC.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Suntrust closed my account with XXXX XXXX still in it, since XX/XX/XXXX. I was never told why they were holding XXXX XXXX dollars of my funds but was told I had nothing to worry about I would get it back, then they sent me a notice like I closed the account myself. They gave me a case manager and told me not to come to the local bank again. Its now XX/XX/XXXX and still nothing while I run completely out.

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 2018-02-12
Company: Bread Financial Holdings, Inc.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Saturday XX/XX/XXXXmy boyfriend received a threatening call from XX/XX/XXXX trying to collect on an XXXX account that I have. They said I need my attorney to contact them immediately regarding this matter. They have served me any papers and why are they leaving this information on someone else line stating my name clearly?? they have left the same threatening messages on more than several occasions on my phone as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-03
Company: Santander Consumer USA Holdings 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:
Santander continues to verify this account after they were instructed to remove it due to the multi state settlement agreement they entered into with the attorney generals office. 
I have submitted 4 disputes this year with XXXX and the latest dispute was again verified a few days ago. My account meets all legal the criteria. I continue to incur damages and was recently denied credit due to this matter. Additionally, Santander violated several other laws in which I will pursue legal action if this issue isnt immediately resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XXXX ( midnight ), an ACH of {$120.00} was done using XXXX XXXX 's system from a XXXX XXXX  account to a CapitalOne account. CapitalOne claims that it did not go through the system, and furthermore claims that federal law requires them to wait 4 business days before posting the amount. It is my understanding that this is inaccurate, as the receiving institution must post this amount as soon as the ACH system transfers the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
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: Was not notified of investigation status or results

Complaint:
I sent letters to Equifax, XXXX and XXXX on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 38 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
1692g. Validation of debts violation did not validate debt as of XX/XX/XXXX. 

1692f. Unfair practices 1692b. debt has been disputed within 30 days after I received notice. Filed multiple complaint with CFPB. Last response was received to the complaint was on XX/XX/XXXX they have no records. 
Violation of 20 US Code 1234e- Cease and desist law Receiving multiple phone calls after cease and desist letter was sent.

Violation of The Privacy Act of XXXX Disclosing our personal records to XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX. After they were not able to verify me on my request they email information marked as bad address. 

Name of XXXX XXXX XXXX XXXX is not clear when I called on the number they do not know who who this entity. This company is in TX but fax number is in CA. 
But the company name I called number is XXXXXXXX XXXX XXXX. 
No names on the notice to call any question for question. Notice that was mailed had no returning address. Only at one return mailing address stated but return mailing is XXXX XXXX XXXX. Documents inside was from XXXX XXXX XXXX and blacked out that no one can read. 

Recording with county recorders office to sell property is wrongful foreclosure recoding since they can not validate the the debt and have no records. 

Perjury its been sated I was provide CA work out solution and other CA laws is false. No such things took place. At one stage they modified the loan and I requested to remove escrow account since they no records this was refused. I sated I am not refusing loan modification. They sated they pried close to {$30000.00} in escrow account in less 8 months is perjury. Loan was purchased in XXXX, XXXX and property tax is {$2000.00} year.

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 2022-01-28
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I sent letters to XXXX, Experian and XXXX on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 38 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2022-06-14
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I've been disputing some negative accounts on my credit report for almost a year and they still haven't been eliminated, I need some kind of answer with my 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 2022-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I've been disputing some negative accounts on my credit report for almost a year and they still haven't been eliminated, I need some kind of answer with my 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 2020-01-08
Company: WELLS FARGO & COMPANY
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Wells Fargo has repeatedly stated that they never owned the mortgage or the note and only serviced the loan. Wells Fargo has stated they do not know who owned the loan during the time they serviced the loan. This is information required by law to be shared with the homeowner.Federal legislation passed in 2009 ( Section 404 of the Truth in Lending Act ) requires that anyone who acquires ownership of a mortgage loan must provide the borrower with a notice that the acquirer is the new owner ( and if they use a servicing agent to collect payments, the name of the servicer ). Section 1463 of the Dodd-Frank legislation enacted in 2010 also requires servicers to disclose the owner of the loan within ten days upon written request from the borrower. As the homeowners we have the right to know who the owner of the loan was at the time of servicing by Wells Fargo Home Mortgage. We have the right to know where the payments were being applied. Wells Fargo has stated the loan was transferred to XXXX XXXX XXXX XXXX XXXX in XXXX. Only the OWNER of the loan can legally transfer or sell the loan to another party. Who gave Wells Fargo Home Mortgage the authority to transfer or sell the loan to another party? Wells Fargo claims to not know who the owner of the loan was at the time they serviced the loan. That would mean the payments were either not properly applied to the balance or Wells Fargo was servicing a loan that never existed in the first place. A class action settlement against Wells Fargo states that the loan was paid in full. A letter from XXXX states they purchased the loan from Wells Fargo. Wells Fargo claims they did not sell the loan, yet all information says otherwise. The loan was paid in full. ISSUE a satisfaction of mortgage.

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 2022-06-14
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I recently received a letter in the mail stating that an account has been closed however I did not open said account. I contacted the bank and they informed that someone tried to open a checking account using my SSN via the internet. Thankfully it was closed before any deposits or transactions were made. 

I have also been a victim of identity theft back in 2015 when someone successfully filed my income taxes before I did. I found out when I tried to file and received a notice from the IRS that it was already being processed. Because of that, I now have to file my taxes with a unique security code so they know that it's actually me processing. Sucks! That both were done online and hard to find who is responsible but with the help of technology we now can track IP Addresses to find these bandits.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
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:
XXXX is reporting incorrectly to Experian and XXXX  a collection in the amount of {$3500.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I cancelled this account and returned all of the equipment back to XXXX, paid what was owed and therefore there is no outstanding balance to report. This account needs to be removed from collections and deleted from my credit report. This false reporting of a collection is seriously harming my credit score. I have contacted the bureaus to remove this item however, I have not been successful.

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 2022-01-28
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I submitted via certified mail a police report, identity theft affidavit, proof of ID and proof of address to all 3 bureaus informing them of fraudulent inaccurate information reporting on my consumer report, they did not refrain from reporting or block the information within 4 days of receiving notice. It has no been over 60 days. I would like all negative fraudulent accounts reporting removed from my report indefinitely.

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 2022-10-03
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX, XXXX. XXXX XXXX Account # XXXX, XXXX. XXXX XXXX AUTO XXXX Account # XXXX, XXXX. XXXX XXXX XXXX Account number 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I demand a full check of the amount listed below or an open end credit plan for the 3 credit cards in the total amount of invoice sent to the address attached or A permanent credit in the total amount of invoice for the violations you have committed, the pain you have caused. I would prefer for the credit card accounts to be listed positive in good standing reporting monthly to all three credit bureaus with in 15 calendar days. Remove any and all liens from the credit accounts, and grant full permanent access to account login or a check written in my name for the total amount {$150000.00}. So it is and so it be. We can settle this between us or I can move further and take this to litigation. I know my rights and my rights have been violated. You have committed fraud under my name. 
Pursuant 15 USC 1605 Pursuant 15 USC 1692d Pursuant 15 USC 1602 Pursuant 15 USC 1640 Pursuant to 15 USC 1692c. ( c ) I am contacting you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: Chime Financial Inc
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Hello, I am providing a written statement along with additional documents such as a police report to support my claim and request to reopen the claim. 
I am a victim of a scam. On XX/XX/2021 I purchased a blue sectional sofa for the agreed upon amount of {$110.00} and never received the sofa! The payment was sent to the person selling the sofa on XX/XX/2021 and the sofa was to be delivered to me that night or the following morning on the XXXX of XXXX. I then set up arrangements with my current rental sofa to be returned to their warehouse once I got the sofa from the seller. This can also be verified with my rental furniture company. Shortly after paying for the item the person who sold it to me has since removed the listing for the sofa, blocked me on XXXX. They also stopped responding to me that night on the XXXX of XXXX and I have not heard back from them since. They also changed the name on their account where the payment was sent to, in an attempt to cover up their scam. I have reported them to XXXX and XXXX. I requested the funds back from them because I did not receive the sofa and they never gave it back, proving they were scamming me. I have since filed a police report with my local police department that you may call and verify and I have attached the copy to this email. I am truly a victim of this scam and it pains me as this money was taken from me days before XXXX and I could not purchase presents for any of my family members. Not only was I scammed, disappointed for not receiving the item and left with no money for XXXX presents I am also facing this difficult battle to obtain my money back from my bank, Chime. It further saddens me to have my claim denied from Chime when I should be expecting the most support from especially when the amount is as little as {$110.00} that should be returned to me as Chime is backed by FDIC. I am now behind on multiple bills and desperately need this claim to be approved as it will help me greatly and return my faith in Chime. Please please return this money to me. Thank you very much. 

Attached to this email please find the police report, please email me if there is anything else needed from me. 

God bless. 

Chime denied the dispute

Company response to consumer: Closed with explanation