BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-16
Company: Gurstel Law Firm, P.C.
State: WI
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I have been in phone contact with Gurstel Law Firm in Wisconsin since Fall of XXXX and via email since XX/XX/XXXX attempting to resolve a payday loan debt from XXXX that was bought by them. The representatives have been constantly using stall tactics and giving me all these ridiculous reasons why they could not settle with me. I finally got so frustrated I started recording these calls. I informed them that I was fed up with being given excuse after excuse on why the debt couldn't be resolved. I notified them that I had been recording the calls and have proof of what they had been doing to me. The rep immediately told me he could no longer speak to me. The only person who could speak to me on a recorded call was their Lawyer XXXX XXXX. I was given his number and left him several voicemails with no return call. On XX/XX/XXXX, I sent an email to Gurstel and on XX/XX/XXXX he finally responded. We had what I thought was a good conversation. We discussed a one time lump sum offer of {$1200.00} to settle this debt in full. He stated that based on my circumstances, he felt it was a reasonable offer and would bring it to their client. He told me he anticipated a response from their client by that Friday, XX/XX/XXXX or early the following week. I have not heard from him since. I have called and left him 9 voicemails between XX/XX/XXXX and XX/XX/XXXX without a response. I am doing my best to resolve this debt and don't know where else to turn at this point. I am just trying to fix debt that I incurred during an XXXX XXXX  where I was forced to take out payday loans to cover my exs debt so his clients wouldn't sue him for unfinished work. Please help me. I am raising XXXX children with no child support. I just want to fix my credit so I can do good things for these children.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19
Company: Experian Information Solutions Inc.
State: TX
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:
1. I have been trying to apply for a credit card XXXX XXXX XXXX, At the moment I applied for the first time they told me that the credit report companies are sending a credit report with my name and a SSN however this SSN that appears in the report is the number of my old passport. At the moment that I try to contact the credit report companies they are not able to pull up my credit report because I dont have a SSN. I have lived in three different adresses and need to know what adress to give for them to be able to check my score which is of XXXX. Can you please help me to solve this. The dates I applied for the card was XX/XX/XXXX in  which I applied ONLINE and I messed up and wrote my passport number in the SSN box. In XX/XX/XXXX I was told to reapply and since my adress was  attached to the old application, it appears as If I applied with the same social security but this time XX/XX/XXXX, I applied thru the phone and clearly states that I do not have a social security number. Please help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19
Company: Account Control Technology, Inc.
State: MO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I supposedly went to XXXX XXXX XX/XX/XXXX/2006 and now I have XXXX who apparently is the new XXXX XXXX saying I owe over $ 3k. 1, this is over 11 years ago and 2 I did n't actual attend. I signed up but never attended. I have bot heard anything from this school. Now account control with XXXX XXXX and XXXX are threatening to garnish my wages. They are extremely rude and wo n't listen. I have requested information that they keep passing off to other companies. I am being harassed. I have called the attorney general and am complaining there as well. I have written them back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-21
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: Investigation took more than 30 days

Complaint:
I filed a legally sufficient identity fraud complaint with Experian under FCRA Section 605B. Under that Section, Experian is required to block the fraudulent information within four days of receiving the complaint. Four days came and went after Experian received the complaint. Experian refused to block the information and provided no lawful excuse for their refusal. Instead, Experian sent me a report more than 30 days after receiving my dispute. Their response simply states the vendor or creditor met the FCRA requirements even though with my dispute I submitted an identity theft and/or police report. Experian has chosen to ignore the law to block the information resulted in the identity theft within four days.

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 2020-04-21
Company: Commonwealth Financial Systems, Inc.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XX/XX/XXXX, {$1100.00} was reported on my credit report as an unpaid medical bill by Commonwealth Financial. I have no knowledge of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: ALLY FINANCIAL INC.
State: CO
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:
Auto loan was involved in a total loss. The insurance company XXXX paid the claim although there was a gap remaining. I had gap insurance and the gap company XXXX was waiting for the police report. I provided the police report information and XXXX processed the information. They stated that they would not pay the gap. The lender Ally bank Provided the payment history to XXXX And XXXX denied the payment for the gap of {$1700.00}. I was not aware that the gap was not paid until XX/XX/XXXX. This incident happened in XX/XX/XXXX. The payment history that Ally bank Provided to the gap insurance company showed three missing payments. The missing payments were due to Ally bank offering three deferred payments during the XXXX Covid. These payments were not late but instead deferred to the end of the loan. I have never been late on any installment loan payment. I ended up paying the {$1700.00} of gap difference and due to me not finding out that this payment was never paid to a XXXX balance, Ally bank reported the three deferred payments to the gap company. I have never made a late payment ever and these three deferred payments caused Ally bank to report three late payments on my credit report. This has changed my score dramatically. I will never receive my {$1700.00} back due to this discrepancy. Please help in correct in this error on my credit report. Thank you

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 2022-06-16
Company: EQUIFAX, INC.
State: NV
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 following has violated my rights. 
XXXX XXXX XXXX XXXX Acc # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, De XXXX XXXX XXXX XXXX XXXX Acc # XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX  Acc # XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 with out my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24
Company: Stearns Ventures, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was paid off on XX/XX/2019. Nevertheless, Stearns continues to automatically withdraw the monthly payment from my account. The payment history on their website shows that they are refunding the payments to me but I have not received ANY money back. They just keep my money and their platform offers no option for me to stop the payments. This company 's payment system is in gross need of an audit - it constantly charges and handles payments incorrectly and their customer service team is not equipped to handle all of the tech errors.

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 2022-06-16
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:
I called Transunion after I purchased a credit report with XXXX  on XX/XX/2022. After receiving a copy of my report, I saw some UNVERIFIABLE accounts on my personal profile ; I noticed that there were CHARGE OFF accounts on my credit report : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

A copy of my Utility Bill, drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Transunion not blocking these accounts are inadvertently resulting in me being extorted.

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 2016-05-20
Company: WELLS FARGO & COMPANY
State: IL
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
I deposited XXXX $ to wrong person of Wells Fargo bank account holder as a cash.Next day i called to the bank and asked to make a hold on it or reverse my wrong deposit made to the account holder with the original transaction receipt but bank responded me as they cant able to reverse it. 

Please help me to get my money back since it is huge amount. 

NOTE : i made wrong deposit because of fake person asked me to do for part time job offer.

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 2022-02-20
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:
XXXX has failed to use adequate resources other than the name only matching process. After multiple disputes, my personal identifiers have not been updated. I submitted proof of identity including a copy of my original birth certificate, social security card, CA State ID, current bank statement and utility bill. The date furnished is erroneous and does not belong to me. XXXX has multiple variations of social security numbers listed on my report. None of the variations are correct, which confirms my allegations of improper verification methods used to verify the accounts belong to me. Simply using the name only matching process has affected my credit worthiness and has stopped me from accessing the financial resources needed to support not only myself, but my 5 month old twin daughters. Being a XXXX XXXX XXXX fleeing my XXXX  at the start of the pandemic, obtaining housing has been extremely difficult due to the inaccuracies reported on my credit report. I have submitted copies of police reports, my FTC ID Theft report, requested security alerts and blocks to be placed on the fraudulent accounts, yet my requests have been ignored and the disputes have been verified through the data furnishers. Which XXXX explicitly lists as XXXX XXXX XXXX, I have requested a security freeze, opt-out and request for information deletion. XXXX sent a confirmation via USPS with a security freeze pin, yet XXXX states that XXXX verified my information. I interpret that as XXXX violated my rights under the FCRA and failed to keep my personal information confidential, causing my disputes to be verified when the reports furnished contain incorrect and out dated information that needs to be deleted and blocked from my consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The credit bureaus stated the following accounts were properly investigated : Account name : XXXX XXXX XXXX XXXX  Account # : XXXX Account name : XXXX  XXXX XXXX XXXX  Account # : XXXX Account name : XXXX  XXXX XXXX XXXX  Account # : XXXX Account name : XXXX  XXXX XXXX XXXX  Account # : XXXX Account name : XXXX  XXXX XXXX XXXX  Account # : XXXX Account name : XXXX XXXX XXXX XXXX  Account # : XXXX Account name : XXXX XXXX XXXX  XXXX Account # : XXXX Account name : XXXX XXXX XXXXXXXX Account # : XXXX How could it be possible for them to properly investigate these accounts if the open dates are inaccurate, the dates last active are inaccurate, and the dates last reported are inaccurate. This is groud for removal. 

They also have violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly stats a consumer reporting agency can not furnish an account without my written instructions.

They also violated my rights under 15 U.S.C 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes.

They also violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ) : The law clearly states if items are found inaccurate or can not be verified the consumer reporting agency shall promptly delete the information from the file of the consumer.

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 2021-02-01
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XXXX I opened a credit card with XXXX XXXX XXXX, but only kept it for emergencies, did not use it often and paid balances I used. I reported fraud in XXXX and did not pay the fraudulent balance. Then they sent me collection letters so I wrote a dispute letter to the collector, LVNV FUNDING LLC, stating that I dispute this debt. They did not stop sending me collection letters. The LVNV FUNDING LLC is still on my credit report. The total amount they claim I owe is {$1500.00}. Its been over 6 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have been disputing items on my credit report, for over 60 days, XXXX, today is XXXX, with no responses. TransUnion is stalling and by law, they can not do this. Please remove all items that I have attached from 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 explanation
Consumer complaint received 2022-02-20
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Last year I'm my checking my account with hsbc there was a mobile deposit into my checking account. They froze my account Becuase the check was in my soon to be wife 's name and she depositing into my account by accident and they froze the account the check was little over XXXX XXXX dollars and that been almost a yr ago... i have contacted hsbc multiple times and they treaty me like I'm some kind theft and have explained to them what happen but they don't listen I've sent everything they asked me to for me and her to prove our identity and they refuse to give my accont back the check has been cleared and cashed and they frozen my account .. they should never cashed it because I didn't sign it she signed it again she thought it was her account but the auto login on phones switchedbot and she didn't realize it. I live in XXXX and the bank is in XXXX tomorrow morning me and her are taken a trip to drive to XXXX to go decuss this with back but it like they want keep money that not there's there really stealing from us because they have no grounds to keep this momey..money... So I the account owner and her the owner of the check that was deposited are both going to bank for Tues morning and request her money out my account please help this is n ot right to be treatedbthisnwas please help thabk you for your time and help I look forward to hearing from you soon my ph number is XXXX XXXX XXXX and my email is XXXX my name is XXXX XXXX XXXX thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21
Company: EQUIFAX, INC.
State: CT
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:
Received my credit report from equifax, XXXX, XXXX in regards to some inaccurate information on my credit report of charge offs from united illuminating that I have disputed and would like for that information to be remove from all of the credit agencies to no avail I want this information to be gone

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19
Company: ORG GC GP Buyer, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have been shopping for a refi on mortgage and found out that I had a collection on my credit report of XXXX. It indicates GC Services ( XXXX XXXX ) as the collection agency. I called XXXX on XXXX XXXX XXXX, paid the balances owed. I informed XXXX that it states GC Services on my credit report and I need that to be deleted. I informed XXXX that I have never been contacted by GC Services by phone nor mail. I did not know who this company was. XXXX stated that it would take 48 hours to delete the account from my credit report. I waited and nothing happened. I since sent a validation letter to GC Services asking for validation. I also made them aware that no one from their company had ever discussed or contacted me about their collection and I would like this to be removed from my credit report. It has created negative reporting and has / is affecting my score tremendously. On XXXX XXXX, I called GC Services and was told this was an attempt to collect a debt and it will not be removed from my credit report because they do not delete anything from your credit report. I believe that that my rights have been violated, as I never had any type of agreement with GC Services not written, verbal etc..GC Services should not be allowed to report any information on me. We have never had any type of contract between us. Also XXXX falsified information to me as they informed me that the credit report would be corrected with 48 hours of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20
Company: The Moore Law Group
State: NM
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Moore law group filed a suit to collect a debt and never gave me any opportunity to review the debt. Moreover, they falsely claimed to have served me and filed suit in the incorrect jurisdiction! I havent been given any rights to accept or deny anything. I can not give an amount as I have no clue if the debt is accurate. I

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20
Company: SYNCHRONY FINANCIAL
State: CA
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:
Synchrony Bank took over 2 years to finalize a dispute made in XXXX. Not until I disputed directly with the credit bureaus, was when I received a letter on XX/XX/XXXX stating the resolution of my dispute from XXXX resulted in a balance update and refund due. Neglecting to update the account with XXXX, XXXX and XXXX I am left with negative payment history and my credit worthiness to creditors. The Account number listed on my credit reports do not match the account number listed on statements from Synchrony Bank.

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