BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have never had any agreement with this company! They are reporting to all credit bureaus that I owe them a debt which is illegal! According to XXXX XXXX, XXXX. XXXX " The right of subrogation does not exist for a stranger to the transaction. '' They have no legal rights to report any debt or other wise to any bureau nor post or obtain any information on my Credit Files. This is not a dispute and should not be posted on my report as said. 
This is in regards to 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 2017-04-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have repeatedly requested verification for the debt that they are trying to collect in the amount of {$1300.00}. I have sent 3 certified letters with return receipts requesting this information and to date have had nothing showing they have the legal right to ask for this money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2021-09-23
Company: EQUIFAX, INC.
State: NJ
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:
I HAVE LATE PAYMENTS THAT ARE NOT TRUE AND ACCOUNTS THAT DO NOT BELONG TO ME, UNAUTHORIZED INQUIRIES AND AN ACOUNT THAT SAYS CHARGE OFF THAT IS INACCURATE, SEE LETTER OF EXPLANATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: Lockhart, Morris & Montgomery 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:
In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14
Company: SUNTRUST BANKS, INC.
State: FL
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Account opening, closing, or management

Complaint:
This is a complaint against Suntrust Bank in XXXX, FL Our company, XXXX XXXX , XXXX had a CD with SunTrust Bank in the amount of {$400000.00} since at least XX/XX/XXXX ( copies attached ) ; every time the CD was going to renew the manager told us that we will get the highest preferred rate due to our balances but they could not give me the rate at the time, their paperwork never showed the rate either. 
Every time we ask the officers at the bank for the rate they told us they either did not have it or did not have access to it ; until last year, we met with a new officer at the XXXX Branch in XXXX that was supposed to become our officer in the private banking area and I asked him about the rate on the CD and when he look at the computer he told me that there was something wrong with the rate and he will speak to his boss to fixed the problem. 
A few weeks later when I asked to speak to the officer, I was told by the branch manager that he was no longer with the bank and they were going to assign a new officer to us ; a few weeks later I spoke to somebody in the XXXX XXXX Branch and when I told them that I was going to file a complaint with the Dept of Finance, within 10 days I received a letter from XXXX to close all my accounts, even the accounts that belong to the XXXX in which I was only a signature ; I tried calling XXXX and they said is their right and they do not have to tell me why. 
I had all our companies and personal names check with the OFAC DATABASE and we are not listed, we have our accounts at this bank since it was open since we build it in XXXX, we never had a problem and we had balances over XXXX all the time and no cash deposits ; to transfer the accounts we could not transfer over XXXX memorized checks to another bank and it took 3 persons almost 30 days to be able to transfer all the accounts. 
I would like an investigation as to what was supposed to be the preferred interest rate to get all the interest back and the reason we were asked to close the accounts.

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 2017-04-14
Company: GREAT LAKES
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I try to make sure that student loan account is current whether employed or not. I was not employed at one point encouraged to fill out for a forbearance period ( instead of a deferment so that I was not responsible for the interest accrued due to not having a job ). I explicitly stated that I did not have a job and I was encouraged to fill out for IBR. What the rep told me was that since I had no income or employment then I wouldnt have to pay anything. However, what they did not mention is I would be responsible for interest accumulated. In addition, studentgov sent the IBR form to other loan companies so those companies took my submission as permission to change those accounts. For example, if I was already placed in a forbearance or deferment status with another company, upon receiving my application, they would remove me from that status and place me on the IBR plan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I received a new credit card from JP Morgan Chase Freedom XXXX that I never applied for. It has my name came to my address and has a {$11000.00} limit. I called the back to see who applied for this when and where. Sent to fraud debt who after 40 min agreed to close the account. Im not sure who applied for this or if the bank just sent it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-26
Company: NRA Group, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Discovered three negative remarks on my credit report all three were placed by National Recovery Agency, and the client for each was XXXX XXXX XXXX. 

Each of these are different dates of service. 

I offered to pay one of these bills each month starting with the lowest balance until all balances were paid. National Recovery wanted to combine all three balances and have me pay a third of the total each month. 

I don't offer money I don't have I also believe this would " reset the clock '' on each of these debts. 

I reached out to XXXX XXXX and paid the first balance of {$110.00} it is noteworthy that only one balance exceeds {$500.00} further motivation for National recovery to combine balances. 

I would like the negative remark removed from my credit report before I pay any further money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX my debit card was used for five fraudulent transactions total of around {$560.00}. Those were done in XXXX XXXX, VA, a place Ive never been and certainly didnt make three ATM withdrawals. USAA refunded my money that day but three months later they deducted those amounts after concluding they were not fraudulent after a through investigation. They wont allow me to talk to anyone on the investigation and keep giving me the run around. They are supposed to protect their members against fraud and USAA called me a liar after 22 years of membership. And I have no way to fight this bc they keep transferring me and promising a call back that never happens.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-20
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
on XXXX-17 i received a letter from Diversified consultants inc. informing me : XXXX XXXX is the new owner of this account and DCI is working for them to collect this Debt for {$170.00} for an ancient ( over 18years ) ago Account I had with XXXX XXXX? Which should have been resolved 20 years ago! Numerous times in the past 15 years, I have had this Removed from my credit history and yet it somehow it comes back every 4-5 years? What is the point of going through all this reporting to the credit companies and fuss if they can just bring this back anytime they feel? then we go through the same process off contacting XXXX then wiping it off my credit history. is there any Legal recourse is this? how do i get this to stop once and for ALL?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-08-26
Company: EQUIFAX, INC.
State: GA
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:
In XXXX, XXXX, I applied for the federally subsidized, pandemic mortgage assistance program that was just started that month after finally being approved by the U.S Treasury Department. The program in my state, Georgia, is called the GA XXXX and is administered by the Georgia Department of Community Affairs. I was then instructed when after I applied to contact my lender service provider, XXXX aka XXXX XXXX XXXX XXXX to request their participation in the program. In XXXX, 2022, I was notified by XXXX that they would agree to participate. I was approved for assistance in XXXX, 2022, and a payment was made to XXXX in XXXX, 2022. At the time I applied for assistance and notified XXXX, my mortgage was current and there were no past due payments. After beginning to participate in the GA XXXXXXXX program, XXXX began to report my payments as past due for 30 days starting in XXXX, 60 days in XXXX, and then 90 days for XXXX, XXXX and XXXX. After payment was made to them by the GA XXXX program in XXXX, 2022, they did not update my credit report to reflect payment until XXXX, 2022. The update now shows my payments as current, but they did not update my credit report regarding the 30, 60 and 3 months of 90 day past due payments. I disputed this with them and with the credit bureaus as it is my understanding that participation in any federal program for pandemic related mortgage assistance allows for credit protection under the Cares Act ; as long as you are current with your payments at the time you begin to participate in any program. I have disputed the incorrect information now being reported in my credit report with all of the credit bureaus based on this. The credit bureaus have contacted XXXX and are claiming that XXXX is refusing to correct my credit report. Please contact XXXX and request that my credit report is fixed and should have been protected by the rules of the Cares Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30
Company: WELLS FARGO & COMPANY
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: Account status incorrect

Complaint:
Despite an account being closed for over a decade, Wells Fargo Home Mortgage is reporting a current delinquency for the month of XX/XX/XXXX on my credit report at the XXXX, XXXX and XXXX consumer reporting agencies. Said entry - under account number XXXX - had a negative date of last activity of XX/XX/XXXX. When disputed to the credit reporting agencies, this account was not deleted, but updated to a CURRENT foreclosure status, severely impacting my credit worthiness. The negative account is over 7 years old and must be removed 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 2017-04-12
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I received a collection letter from General Revenue Corporation dated XX/XX/XXXX, I sent a dispute letter via. registered mail on XX/XX/XXXX. They in turn sent me some of the information I requested, notably the signed contract on XX/XX/XXXX. I then sent them a certified letter finding the debt invalid per paragraph XXXX of the contract ( see documents ). I next received a " FINAL '' collection letter dated XX/XX/XXXX, since my letters and phone calls have gone unanswered I have no other choice than to file a complaint. I have included the " FINAL '' letter from GRC, the contract page with the paragraph and law ( 42 CFR 57.211 ), and the disability letter from the department of education, as well as the return receipt finding the debt invalid.

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 2022-08-26
Company: Bull City Financial Solutions, Inc
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
In accordance with the fair credit Reportin act Bull City Financial Solution Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states, I have the rights to privacy.

15 USC 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction. 

15 USC 1666B : A creditor may not treat payment on a credit card account under open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: 21ST MORTGAGE CORP.
State: ID
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was looking into getting a mortgage for a manufactured home. I was told that they were planning to run a " soft '' credit report and that it would not affect my credit score. I was looking for a preapproval only at this point. They ran multiple " hard '' credit reports and it dropped my credit score XXXX XXXX I reached out to the agent and he told me that he indicated that they would be pulling the hard report but this was never discussed. I specifically asked because I have worked very hard to bring my credit score up and never would have agreed to a hard check at that point as I know that it will drop your score. When discussing the issue with the agent he simply said that he " told me '' which is untrue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
n accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX and 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 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 2017-08-30
Company: EQUIFAX, INC.
State: LA
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:
XXXX XXXX XXXX lists a credit card account with multiple accounts with the actual opening of card on XX/XX/XXXX ( # XXXX ) credit limit XXXX with high balance of XXXX, updated on XX/XX/XXXX ( showing date closed XX/XX/XXXX ). Credit limit increase to XXXX ( # XXXX ) on XX/XX/XXXX with a carry over balance of XXXX. ( date closed XX/XX/XXXX ) Acct : XXXX shows a high balance XXXX on XX/XX/XXXX without credit limit info. XX/XX/XXXX ( # XXXX ) shows a credit line decrease of XXXX with high balance of XXXX XXXX years later! There are no late payments or fees involved and clearly this is erroneous.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I am filing a complaint with Transunion. I have been disputing incorrect information on my credit report. They sent back a report showing that all information was verified. Based on the FCRA an original contract under Section 609 ( a ) ( 1 ) ( A ) with my signature showing was supposed to had been received. I have received no such information from transunion. All they said was the information has verified. According to 611 ( a ) ( 7 ) they have failed to provide the method of verification. Now the FCRA states under Section 611 ( a ) ( 7 ) and under 611 ( 5 ) ( A ) they are required to promptly delete all information which can not be verified.

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 2017-04-15
Company: Pioneer Credit Company, Inc
State: FL
Product: Consumer Loan
Sub-product: Title loan
Issue: Lender repossessed or sold the vehicle

Complaint:
I got a secured loan with Pioneer Credit in XXXX Ga. They repossessed vehicle and sold the vehicle. They have changed dates and amounts. They never contacted me for balance due after they repossessed my XXXX which I originally had a clear title. They have change and said it was a unsecure loan on my file I disputed I have took a picture in my phone. They continue to change the original date of filing with credit bureau. It was a 21 month loan. They reported I paid over 21 months on snap shot I have. They took the repossession off my credit file and reporting now that I just got the loan on my report. I have pictures and copies of last month report. The reporting company is from a different state now ( XXXX XXXX XXXX XXXX XXXX TN 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 2019-11-27
Company: Fay Servicing, LLC
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
The loan agreement that we have states that there is no pre-payment penalty. However, when received our 1st statement, it states that the loan has a pre-payment penalty. In addition, we did not receive cost of borrowing disclosures prior to the date of closing. All final documents were received on the date of closing.

Company response to consumer: Closed with explanation