BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-08
Company: Focused Recovery Solutions, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed knowledge of this account for over 2 years. Each time this account reports it reports as verified meets FCRA requirements however no debt validation has ever been sent to me to verify this account. I hold no legal contract wi th Focused Recovery Solution and under Hippa Laws my medical information is protected from 3rd party agencies. I have never consented or given any past or current medical providers permission to release my medical information to any 3rd party agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
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:
As stated in the Prior complaint I am Requesting all Legal documents that hold me Liable for said Alleged debt I don't assume any Debt Nor do I owe a debt have them show me the law that shows a Federally protected consumer owes a debt. I'm invoking my consumer rights and demanding XXXX XXXX XXXX a debt collector Cease reporting to all Consumer reporting agencies Immediately they violate federal Code 15 USC 1692c ( b ) ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post-judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 

I'm also requesting to opt out of my non-public information being reported under title 26, title V of the Gramm-Leach-Bliley Act opt me out! 
15 U.S. Code 6802 - Obligations concerning disclosures of personal information ( b ) Opt-out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) the such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to a such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to a such third party ; and ( C ) the consumer is explained how the consumer can exercise that nondisclosure option. I wasn't given any option

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-03
Company: DISCOVER BANK
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was quite surprised to see a late fee on my Discover statement for closing date XXXX/XXXX 2017. I was perplexed because I am careful to pay my bills on time. Looking at my check book, I saw that I had not made the payment due on XX/XX/XXXX. Checking in my Discover folder, I saw that there was a XX/XX/XXXX statement, but noXX/XX/XXXXstatement.
<P/>
If XXXX XXXX can sign up customers for new accounts without their permission, then Discover can certainly fail to send out a few monthly statements to get extra late fees that month.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-15
Company: 1st Franklin Financial Corporation
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:
As stated in the Prior complaint I am Requesting all Legal documents that hold me Liable for said Alleged debt I don't assume any Debt Nor do I owe a debt have them show me the law that shows a Federally protected consumer owes a debt. I'm invoking my consumer rights and demanding XXXX XXXX XXXX a debt collector Cease reporting to all Consumer reporting agencies Immediately they violate federal Code 15 USC 1692c ( b ) ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post-judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 

I'm also requesting to opt out of my non-public information being reported under title 26, title V of the Gramm-Leach-Bliley Act opt me out! 
15 U.S. Code 6802 - Obligations concerning disclosures of personal information ( b ) Opt-out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) the such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to a such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to a such third party ; and ( C ) the consumer is explained how the consumer can exercise that nondisclosure option. I wasn't given any option

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 2017-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX   XXXX ,  2017 Federal Trade Commission Consumer Response Center   XXXX   XXXX   XXXX ,  XXXX    XXXX   XXXX    XXXX   XXXX  : CREDIT COMPLAINT LETTER To Whom It May Concern : I am writing to file a complaint against  XXXX   XXXX   XXXX ,  XXXX , Transunion,  XXXX .  <P/> For the last 2 months I have filed more than  XXXX  disputes against  XXXX   XXXX   XXXX , reporting of my car loan balance and as of this 60+ day mark the issue has not been resolved.  <P/> I have tried to resolve this issue, but to no avail. Enclosed is documentation regarding my dealings with  XXXX   XXXX   XXXX  to date. Today I received another letter from  XXXX  stating that  XXXX   XXXX   XXXX  has properly investigated my balance and is still reporting my balance as {$19000.00} since  XXXX     2017 (  recently updated i n May the s ame balance. I also received an alert from Transunion that my balance is {$19000.00} and has been so since  XXXX ,    2017 I co ntinue to send the same documentation to the Transunion,  XXXX  and   XXXX   ; I have called   XXXX   XXXX   XXXX   and the representative was clear that my balance is not {$19000.00} as being reported by the company to the credit bureaus and the credit bureaus are not reviewing the documentation as they are supposed to. Enclosed I have copies of my auto loan statements from  XXXX ,  XXXX  and  XXXX  as you can see the statement dates are the  XXXX  of the month and no not show a balance of {$19000.00}. According to the FCRA I have a right to an accurate credit report and this is not accurate. If the credit bureaus refuse to report the information properly then I have a right to damages for non reinvestigation.  <P/> I am requesting your assistance in putting an end to this matter. If you have any questions or need additional information, please contact me at the address listed below.  <P/> Thank you for your assistance.  <P/> Sincerely,  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 2021-10-30
Company: WELLS FARGO & COMPANY
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt was paid at settled amount. Still be reported as closed, unpaid and a charge off and not deleted. XXXX credit report. Also inaccurate late payment date.

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 2017-06-22
Company: Experian Information Solutions Inc.
State: ND
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 a victim of identity theft and have been a victim of identity theft for well over 11 years. I have 2 credit card accounts on my XXXX XXXX, XXXX  and Experian credit report that I did n't apply for and is unauthorized and fraudulent. The following credit card accounts are fraudulent and unauthorized : 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 2017-06-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I am a XXXX XXXX who spent this past semester studying abroad in XXXX. Before leaving to study abroad, a Bank of America representative suggested that we add my mom 's name to my savings account, so that she would be able to make deposits and any other actions on my behalf while I was out of the country. My entire life 's savings and a portion of my Federal Student Loan ended up being swept from my account and Bank of America put me in jeopardy of not being able to stay abroad and complete my semester. <P/>On XXXX XXXX, 2017, {$6000.00} was swept from my savings account with a description of " DEBIT FOR CHARGED OFF ACCOUNT XXXX XXXX. '' I called Bank of America and learned that the charge was made in order to pay my mom 's 2nd mortgage. I have tried calling multiple times from XXXX XXXX and each time, the representative on the phone either placed me on hold indefinitely, said they could not help, or said that my mom would have to call the mortgage loan line and get it resolved on her end. My mom never even ended up using our savings account, and never knew the routing number. The {$6000.00} purely belonged to me and her name was only added because of the recommendation from the BofA agent. We had no idea that there was any risk of the money being taken, and my mom was n't even aware that her name was on the 2nd mortgage which was taken out 10 years ago by my father. <P/>In general, the representatives I called were very sympathetic to my situation and would have like to help, but they could do nothing due to the policies put into place by Bank of America 's executives that allow them to take the life 's savings of a XXXX XXXXt without any regard to the circumstances. Due to Bank of America 's actions, I was in serious jeopardy of not being able to stay in XXXX and finish the semester. I had to borrow money from friends to be able to meet basic needs such as food and school supplies. I implore Bank of America to consider the morality and ethics of their practice and to make right of the dire situation that put my XXXX XXXX at risk.

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 2022-09-15
Company: Remitly, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Met this person on XXXX. Got lured into this website site ( XXXX XXXX XXXX XXXX by this person from XXXX  ( XXXX XXXX XXXX XXXXXXXX ). I Deposited money with international money transfers apps ( Remitly, XXXX XXXX, XXXX, XXXX, XXXX  ) including bank wire transfer and XXXX XXXX XXXX. Once I started trading with the money I invested for commission, all of a sudden it pops up that I won a bonus award and I needed to deposit more. Even the person I was talking to on XXXX helped me deposit with her money to help me unlock this bonus award, knowing the person was part of the scam. I had to complete my task of the day in order to withdrawal the money, then another prize award pops up, saying that I hit the jackpot. I had to deposit more money to complete to bonus prize. Now when it came to when I was allowed to withdrawal the money, trying to withdrawal full huge amount ( $ XXXX ), Now they saying I need to deposit 40 % of that total amount to complete a tax procedure for both the system and the bank. I had to open a loan and ended up depositing that 40 %. They tell me I must complete the task the day so I can withdrawal, I end up winning another prize. Now they tell me I must deposit more money to complete the bonus award then I can withdrawal. The prize just gets bigger and bigger and I have to deposit more and more. Unable to withdrawal, now I am stuck here feeling that I have been scammed. I've done research scammer XXXX account, she is pretending to be someone else and steal pictures from this XXXX account : XXXX XXXX XXXX Please help me, what should I do to get my funds back. Should I report this fraud to my bank in order to get my funds back or hire somebody from a website like XXXX XXXX XXXX XXXX XXXX? Can they be trusted?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Company: First Associates Loan Servicing LLC
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have tried to reach out to Student Credit Union Connect on this number XXXX, but I am unable to get a response or leave a message. My account with the credit union has been discharged, but the money that I have paid on the original balance has not been reimbursed to me. I don't have any of my receipts, however my original balance totalled more than {$8000.00} and at the time of which the account was closed, I owed a little more than {$6000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Company: PNC Bank N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have a checking account with PNC. I withdrew my funds earlier this month ( on XX/XX/XXXX ), with the intention of closing the account immediately thereafter. 

However, PNC does not allow consumers to close accounts online or via email. You can ONLY close an account by calling during their business hours - which is ridiculous. Their phone lines were also unavailable for the XXXX XXXX holiday weekend. 

Because their phone lines are not available 24/7 & long hold times during their operating hours : I was not able to reach a phone representative until today ( XX/XX/XXXX ). Upon calling to close the account, I found out they charged me a low balance fee yesterday ( XX/XX/XXXX ) for the month-ended XX/XX/2018. 

They refused to let me close the account today ( account # XXXX ), and refused to reverse the fee that they posted - despite the fact that it was caused by their decision to only make their phone lines available for limited hours & eliminated the option for consumers to close their accounts online. Its almost as if PNC wants to make it harder for consumer to close accounts & easier for PNC to slap consumers with fees ... 

TLDR version : PNC doesnt allow consumers to cancel checking accounts online - only by phone. Their phone lines have limited hours. They charge fees when you cant call them during their phone hours. Refuse to let me close the account when I finally get through their hold times & am able to call during their phone hours.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-24
Company: GULF COAST COLLECTION BUREAU, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This company repeatedly uses an autodialer to contact me on my cell phone. I only know the company name because I XXXX the number. They call and if I answer all I hear is hold music or if they leave a voicemail it is hold music for a good minute until someone picks up and starts talking. I am a XXXX veteran and have been diagnosed with XXXX and because of this companies tactics to autodial I miss out on getting important calls from my medical team. I have never received written notification as to what this is comcernimg which they are required to do.

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 2022-09-15
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 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 response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Company: Experian Information Solutions Inc.
State: MN
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:
My XXXX XXXX XXXX  XXXX credit card # : XXXX is lost/stolen and has over {$3500.00} of fraudulent charges and transactions on my account which is not my charges and are fraudulent charges/transactions.

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 2017-06-08
Company: Tower Loan of Mississippi, Inc.
State: MS
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:
We recently applied for a home loan and were notified that a Judgment was on my credit report. I was unaware that a Judgment had been registered against me in  XXXX   XXXX , MS  .  I contacted the  Judgment Court and was told that Tower Loan would have to notify them that the Judgment was satisfied. I filed a dispute with  XXXX  Credit  and nothing changed. The amount due has always been  XXXX  on the Credit Report but it needs to sta te Amount Satisfied. I h ave been unsuccessful having this changed by Tower Loan and th e Judgment Court  in  XXXX   XXXX ,  MS .

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 2017-06-08
Company: CITIBANK, N.A.
State: IA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I was a loyal Best Buy credit card holder for years. I used my in-store credit to make purchases at Best Buy, which also let me pay with no interest on certain items, very handy. Last year Best Buy, in conjunction with  Citi, enabled these Best Buy in store cards to morph into a credit card. Here lies my issue ... .no action needed on my part. So, after forgetting about the issue, my card turned into a Citi Visa able to charge wherever Visa accepted.  So of course I used it ... my interest rate is 24.99 %. I find this wrong, in that, by letting them use the no action on my part, to constitute permission, to turn my in store card to a credit card usable anywhere. Here, guy with a drinking problem, here is a bottle of  XXXX   XXXX , you do n't have to use it, but feel free to if you want to!!   This should be illegal ... ONLY with a customers consent should they have been able to do this switch, not just because of inaction on my part. I would have done nothing otherwise. My credit is good, I have no issues paying for this ... but, its wrong. Wrong on top of wrong. Doubt guys at  XXXX   XXXX  thought much of what they were doing at the time as well.

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 2022-04-08
Company: EQUIFAX, 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 noticed on my Equifax report that a credit line of $ 30k does not belong to me. I do not have a credit line this large. I called Equifax and they said " it belongs to me ''. I don't have an account with XXXX XXXX. I went to a XXXX XXXX location in my area and explained the same thing to them. I got the same result. This is not my account as I don't have any credit line with XXXXXXXX XXXX or for this large of credit line. Everyone refuses to remove this fraudelent account off of my credit report.

Company response to consumer: Closed with explanation