BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-31
Company: William D. Meeker Enterprises, 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 have some fraudulent inquiries on my credit reports XXXX, XXXX XXXX XXXX. 
For XXXX the following fraudulent inquiries are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CIC Mortgage Credit 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 CIC CREDIT 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 2018-10-31
Company: MONEY SOURCE, INC., THE
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We paid off a loan at XXXX XXXX XXXX XXXX. The loan was paid by The Money Source. We were told by The Money Source that we would get out money from the Impound account after closing, which should had been around {$1300.00}. XXXX XXXX XXXX sent is a check for XXXX and some change and told us that they accredited the impound account to the payoff of the loan. We were never informed of this procedure. No signature took place or any information was given regarding this. What we are saying is we never agreed to do this with The Money Source or XXXX XXXX XXXX. The Money Source said that they did not know companies did this. On the Borrower 's Settlement Statement it shows the Homeowner 's Insurance {$850.00} and Property Taxes {$500.00} in the closing of {$170000.00} which was paid by the Money Source. The Money Source got the escrow account and has put it all on XXXX. XXXX. had no rights to take our Impound account and apply it to the closing of the loan. This was reason we had The Money Source to pay off the loan. My husband and I feel that both the companies are giving us the run around. We never received any signing documents stating this was going to happen. XXXX XXXX at XXXX XXXX XXXX is the loan officer and XXXX XXXX at the XXXX company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I opened an account with PNC bank two years ago. When opening this account I explicitly opted out of their overdraft service. Today, I found that my account had received over {$150.00} dollars in overdraft fees. I used PNC online banking service to confirm that my account had in-fact opted out of PNC 's overdraft service, yet despite this I was still receiving overdraft charges. 

Even though I called PNC and was able to have the charges removed, the fact that I was charged at all is in violation of federal law. I would ask that the CFPB investigate PNC banking practices to see if other customers are being charged for unwarranted overdraft fees. I have reason to believe that PNC was fully aware of the fact that I had opted out of their overdraft service, but was attempting to charge me for the service regardless.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: Synergetic Communication Inc
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
I received a validation letter on XX/XX/2022 from Synergetic Communications.They are representing another collection agency, XXXX XXXX in an attempt to collect on a debt unknown to me. They seem to have checked all the boxes prescribed by the CFPB regarding the format of the letter. What they appear to be doing is attempting to deceive people by : 1. Placing a small paragraph on the back of the letter, in small print, explaining that this loan is uncollectible through the courts because of the Statute of Limitations on the loan. The paragraph is not upfront like the other items in the letter, in an attempt to conceal this information from the recipient. 

2. As this debt can not be collected through the court, Synergetic Communications attempts to stress and intimidate people into a blunder which might cause the debt to be reinstated, thus manipulating people in an unfair, underhanded manner. 

3. This letter preys upon people who are ignorant of their rights, ignorant of the laws that protect them, particularly the elderly. For example, if a person was aware enough to discover the small paragraph on the back of the letter, they might conclude they didn't need to do anything as the debt is " uncollectible '', in court. Synergetic Communications does not go on to explain if they receive no response, other harassing measures will be taken by the company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: Experian Information Solutions Inc.
State: TX
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:
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX SINGLE FAMILY Never lived there That reason can't be processed online. 
This Address was reported to Experian by XXXX XXXX and 1 other companies. Please contact the company to verify that they have your correct address. Once the new information is reported to Experian, you will be able to submit your dispute online. For further questions, you may contact us at XXXX. 
XXXX Address ID Number XXXX Report Number XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$870.00} written off. {$870.00} past due as of XX/XX/2020. 
Account TypeCredit card Balance {$870.00} Date Opened0XX/XX/XXXX Dispute XX/XX/XXXX XX/XX/XXXX XXXX potentially negative icon Potentially Negative StatusTransferred, closed. 
Account TypeCredit card Balance- Date OpenedXX/XX/XXXX Dispute XXXX potentially negative icon Potentially Negative StatusOpen. 
Account TypeAuto Loan Balance {$8000.00} Date Opened0XX/XX/XXXX Dispute XXXX   XXXX potentially negative icon Potentially Negative StatusPaid in settlement. {$8800.00} written off. 
Account TypeNote Loan Balance- Date OpenedXXXX Dispute XXXX XXXX XXXX potentially negative icon Potentially Negative StatusClosed. 
Account TypeUnsecured Balance reporting wrong address and 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 2018-06-03
Company: ERC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have an unverified account from XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX  provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

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 2022-08-25
Company: Experian Information Solutions Inc.
State: CT
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:
I have contacted the credit bureaus about the closed account reporting as being open when the original contract for the loan was misrepresented. The vehicle was financed through XXXX XXXX XXXX  and repossessed four years. The sales man of the vehicle XXXX XXXX stole my {$5000.00} down payment and never factored into the direct loan. He has since been incarcerated for doing this, also I never received any notice of defiency or redemption. Ive been arguing to have this removed from my credit score for years without the agencies properly investigating this even when I sent in proof.

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 2020-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
The bureaus not following the law..They have not provided me with any of my investigation results. I sent out several letter upon my credit concerns.. They fail to comply with the law and now the have violated and are in violations upon several reasons.. Please help me get all my credit concerns removed immediately off 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 2020-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
names address and accounts wrong XXXX XXXX This request can not be processed online. XXXX  maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, NV XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, CA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX, CA XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, CA XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX MULTIFAMILY SSNs XXXX XXXXXXXX XXXX potentially negative icon Potentially Negative StatusOpen. {$320.00} past due as of XX/XX/XXXX. 
Account TypeCredit card Balance {$3300.00} Date OpenedXXXX Dispute XXXX XXXXXXXX XXXX potentially negative icon Potentially Negative StatusOpen. {$640.00} past due as of XX/XX/XXXX. 
Account TypeCredit card Balance {$7200.00} Date OpenedXXXX Dispute XXXX   XXXX potentially negative icon Potentially Negative StatusPaid, Closed. 
Account TypeCredit card Balance- Date OpenedXX/XX/XXXX XXXX XXXX XXXX XXXX   XXXX potentially negative icon Potentially Negative StatusCollection account. 
Account TypeDebt Buyer Balance {$770.00} Date OpenedXXXX Dispute XXXX XXXX   XXXXshow tooltip button XXXXXXXX XXXX XXXXXXXXXXXX XXXX  XXXX potentially negative icon Potentially Negative StatusOpen. Deferred, payments begin XX/XX/XXXX. 
Account TypeFHA Mortgage Balance {$270000.00} Date Opened

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 2019-11-24
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
This credit card from SYNB/JC Penny 's DC reported balance of {$620.00} and credit card amount of XXXX opened XXXX XXXX is fraudulent.The address isSYNCB/JC PENNY 'S DC XXXX XXXX XXXX XXXX, GA XXXX USA This credit is on my XXXX  report.I never opened this account.

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: GA
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:
On XX/XX/XXXX, XXXX XXXX XXXX  added a derogatory mark on my credit report per Equifax. I never in my life had an account with XXXX. In XXXX, I was a victim of identity theft, I contacted Equifax and they removed the account back in XXXX. The Debtors creditor did not verify this collection, Also, there was NO WRITTEN form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. In XXXX, I was a resident at XXXX XXXX XXXX XXXX XXXX, GA XXXX. According to the FCRA, XXXX XXXX XXXXXXXX has violated my rights as a consumer and Im requesting legal action to remove this account immediately. 

Please terminate collection efforts, and remove and notify all credit bureaus such as XXXX, Equifax, and XXXX to delete the account immediately for inaccurate reporting and failure to validate the debt. 

I also never in XXXX, TX at XXXX XXXX. This is a fraud account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: Texas Guaranteed
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have been paying an amount that exceeds my required payment with the expectation that the excess payment wouild go against the loan principal to work toward lowering that. The company refuses to apply my excess payment in this manner insisting that the law says that excess payments must go to collection costs first. This serves to increase the amount I must pay in total since the loan would basically restart after I pay offf the XXXX outrageous ) collection costs.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
XX/XX/2020 after reviewing my personal credit report ; an unauthorized inquiry from SYNCBSAM 'S  XXXX  located at XXXX XXXX XXXX XXXX, FL XXXX showed on my XXXX  credit file. I'm requesting signed verification or an immediate removal from all credit reporting agencies in accordance with the Fair Credit Reporting Act.

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 2022-01-14
Company: WELLS FARGO & COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I've been attempting to resolve issue of missing payments in amounts of {$5100.00} as well as {$690.00} for several weeks, an affidavit was mailed in to Wells Fargo Remediation Dept several weeks ago, still shows pending with no information. From what I understand, Wells Fargo is attempting to recover funds before honoring their commitment to myself for these payments... These payments were offered to me by reps XXXX XXXX and XXXX XXXX via Wells Fargo XXXX XXXX. The payment amount, {$5100.00}, was offered to me over the phone in XXXX of XXXX, check intercepted and cashed by a third party which was investigated and supposedly reissued and never received.. The payment amount, {$690.00}, was offered to me by XXXX XXXX via phone mediation in XXXX of XXXX, never received.. The payments were sent to old address at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CT XXXX after I moved which was in XXXX of XXXX. I now reside at XXXX XXXX XXXX, XXXX XXXX, CT XXXX, moved here in XXXX of XXXX. Wells Fargo reps reply to CFPB complaints by referring to checks as cashed in which case, not by myself. It appears a relative intercepted, cashed checks in my name, do not know for sure. Reps also refer back to prior replies which state the same, checks cashed and no mention of affidavit sent in XXXX which was located and sent in several weeks ago.. As the CFPB can see, Wells Fargo reps continually avoid addressing issues by referring to replies which do not address non-receipt of payments. Further, as explained in numerous prior CFPB complaints, payment amounts are inadequate, do not cover damages sustained due to Wells Fargo reps opening accounts I did not need or want. The last rep, XXXX XXXX, whom has replied in the past and gave same run-around response, again referred back to prior replies which state checks cashed ... As the CFPB can see, Wells Fargo XXXXeps repeatedly use run-around reply, avoid addressing issue of missing payments and inadequacy. Most recently, I've been calling Wells Fargo Executive Office as well as XXXX XXXX Bank, given case numbers which are not resolved, no reply in re and or attempted to refer to XXXX XXXX which has nothing to do with remediation program, another run-around. In closing, the CFPB might want to investigate Wells Fargo Remediation Program as well as their behavior in handling these complaints including detailed above. Wells Fargo reps claim they will not keep replying, in which case such replies are a mere run-around and complaints will be filed with other agencies, if not resolved.

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 2018-06-03
Company: CAVALRY INVESTMENTS, LLC
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Cavalry Portfolio Service, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of { {$540.00} } with XXXX, XXXX  and XXXX credit report agencies. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ) I requested Cavalry Portfolio Service provide me with validation of the debt and account ( see attached ) ... on several different attempts by USPS Certified Mail/Return Receipt as a bill is not validation. ( see attached ) Cavalry Portfolio Services sent a letter to me dated XX/XX/XXXX attaching a copy of an old billing statement. I have made several attempts to contact the credit reporting agencies on ( XX/XX/XXXX,XX/XX/XXXX ) XXXX, ( XX/XX/XXXX,XX/XX/XXXX ) XXXX, ( XX/XX/XXXX,XX/XX/XXXX ) XXXX and each agency refuses to remove ... indicating Cavalry refuses. I would like this company Cavalry Portfolio Service to remove/delete the negative report against my SSN with all credit reporting agencies in regards to the laws and regulations of the FCRA. I should not be obligated to pay for the alleged debt. Thank you in advance.

Company response to consumer: Closed with non-monetary relief