BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-08
Company: Collection Bureau of Fort Walton Beach, Inc
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
With regards to Account # XXXX and XXXX, I observed that this company had been reporting fraudulent information to the credit bureau and was listed on my credit profile. This false information plummeted my credit score and I told them three times- this account does n't belong to me. I have even asked them to validate the debt to which they have refused to comply. I further asked for as copy of the contract that contractually obligates me to pay them a debt- I do n't owe. I know I have rights as a consumer according to the FCRA and the FDCPA to which they have already violated three times by reporting. This information can be litigated as a civil matter. However, I just want them to delete these account due to it being reported in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX USAA SAVINGS XXXX XXXX Are Closed / Charged off reporting in active balance. submitted numerous of disputes and contacted the credit bureaus to remove inaccurate account or change balance to {$0.00}. But do not investigate or change.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02
Company: Rocket Mortgage, LLC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
Applied for a refinance. I was told the interest would be 3.09 %. Loan amount {$150000.00} 15 year on a home worth {$500000.00}. Also have XXXX in excess of {$250000.00}, {$20000.00} in savings account and {$6000.00} in checking account, credit score if XXXX. 
Loan criteria became more and more difficult. Finally they offered me a 30 year {$130000.00} loan at 4.00 % interest. They have frozen my accounts and it is impossible to get ahold of XXXX the closing company. 
Quicken loan officer : XXXX XXXX ( XXXX ) XXXX ext. XXXX XXXXXXXXXXXX. 
XXXX # : XXXX XXXX # : XXXX Respectfully XXXX XXXX XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-23
Company: CAVALRY INVESTMENTS, LLC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This is a debt of more than 10 yrs old that has been passed off dozens of times as a recent debt collection!! IF XXXX was original company owed to, back in early 2000 n has not been used since about that same time!!! Debt is no longer valid!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-17
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have inquiries without my approval. From 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 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 2022-06-03
Company: Experian Information Solutions Inc.
State: LA
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:
XXXX accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX  XXXX Account # XXXX, XXXX XXXX XXXXXXXX Account XXXX 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 2022-04-15
Company: M&T BANK CORPORATION
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
M & T BANK is refusing to give me the title to my vehicle to which has been refinanced with another institution as of XX/XX/XXXX of XXXX as of today XX/XX/XXXX of XXXX to the other institutions store does not have their vehicle title in their possession and this vehicle has been paid off by the other institution since XX/XX/XXXX this is illegal in the state of Maryland that two institutions are not able to be financing one vehicle

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
XXXX Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX, SC XXXX n accordance with the Fair Credit Reporting act 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 2022-10-17
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Over the past several months I have made complaints to XXXX and Carrington Mortgage Company that I am not getting a credit report regarding my mortgage that I have had since XXXX. My credit history is showing up on XXXX and XXXX but not on XXXX. Each entity is blaming the other one. 

XXXX says that they are not getting data from Carrington. Carrington has responded to CFPB that they are providing the data and they provided proof. The letter is from XXXX XXXX and proof that they are reporting. 

I called to speak with XXXX on XX/XX/XXXX. He referred to his supervisor, XXXX XXXX who has escalated my complaint to get to a resolution. I called XXXX and got a report and Carrington is NOT on it. I sent it to XXXX who has acknowledged that their trade line is not listed. He has promised to find out what is wrong. 

TODAY, XX/XX/XXXX, I learned from lead supervisor XXXX XXXX that he spoke with XXXX XXXX XXXX XXXX, in the Data Reporting Team Dispute # XXXX. XXXX, according to XXXX, sent him an email saying that XXXX had purged my account from XXXX 's database which is a direct contradiction to XXXX 's response dated XX/XX/XXXX. This does not make sense. I did not ask to have my file purged and Carrington said they did not ask to have their trade line purged from my account. 

I want a credit report from Carrington Mortgage on my XXXX XXXX. I want them both to resolve the problem rather than going back and forth blaming each other. I am getting terrible and dishonest service. There needs to be a resolution. I WANT A CREDIT REPORT. I should not have to get an attorney or file a discrimination complaint with the Ohio Attorney General 's Office.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16
Company: BB&T CORPORATION
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Branch Banking and Trust has stooped to a new low. They are now charging to utilize their phone 24 services. That is right, they are charging me to call and ask questions. This is illegal I am pretty sure. I have a XXXX XXXX like many americans that requires I get things explained to me. I should not be punished by sanctions and fees for having this XXXX. I am also notifying the XXXX and CFPB of these practices if not refunded, ceased for me personally immediately. The demographics of our country with an aging, autistic, and generally declining education system makes this predatory. I am going to copy/paste this complaint to everyone until the end of time. This is dirty business, refund my money, offer me an apology and have your company trained on business ethics going forward. Service by phone and person should be a requirement. You have no right to charge, refund these fees. Also provide the address for me to address certified legal mail to from my attorney. What is your mediation process and where to address legal mail for residential adviser. Please explain these fees and put it in writing to the address on file. Both having explanations in writing then being able to call and discuss is fundamental not to just fair business, but also greatly assists in the handling of my personal XXXX XXXX. Please do not deny us these crucial services. Here is the explanation I received from the website of BBT : " Thank you for contacting BBandT E-Mail Support regarding XXXX fees. 

You may make unlimited calls to the Phone24 automated system at XXXX at no charge. 

After selecting an account, you may press 0 to speak with a Phone24 associate between XXXX XXXX. and XXXX XXXX, ET, seven days a week. 

XXXX XXXX, your first two calls to a Phone24 associate are free of charge. However, a {$2.00} fee will apply for each call to a Phone24 associate over two during your statement cycle. " ***PLEASE STOP THIS IMMEDIATELY, ISSUE REFUNDS FOR ALL SUCH INSTANCES AND PROVIDE ME UNIQUE UNLIMITED PHONE SUPPORT TO SOMEONE TRAINED IN HANDLING XXXX, XXXX XXXX. I WANT CLEAR INSTRUCTIONS BY PHONE AND INDIVIDUALIZED SERVICES GOING FORWARD TO ASSIST WITH MY MEDICAL COGNITIVE CONDITIONS. WITHOUT THIS I CAN NOT FUNCTION. DO NOT DENY ME OR CHARGE UNFAIRLY XXXX PEOPLE THAT MAY NEED THIS LIKE MYSELF. ***

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05
Company: SUNTRUST BANKS, INC.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Suntrust - XXXX XXXX : timelineIssue with payment amount and balance due on XXXX XXXX from Suntrust Mortgage:XX/XX/XXXX - purchased property in XXXX XXXX, CA XXXX with XXXX XXXX and XXXX XXXX loans from Suntrust Mortgage. 
XXXX XXXX was in the amount of {$53000.00}. Payments were XXXX a month. 
When I requested modification for XXXX, I of course requested assistance for the XXXX as well. I received no help or correspondence regarding the XXXX until XXXX when the modification on the XXXX XXXX was finally final after 4 years in process. Payments on XXXX were in full from XXXX - total {$4800.00} in paymentsNo payments were made from XXXX - XXXX - balance XXXX dueThe balance due according to the XXXX ( XXXX and only set for XXXX XXXX XXXX loan modification documents is now : {$64000.00}. 
How can that be? What happened to all the payments I did make? 
I have been making the payments of {$230.00} since XXXX and they are current, but it is a hardship and the house value is underwater and the loan amount is not right or fair for the amount borrowed and missed during a XXXX year modification process on the XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: Block, Inc.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Fraud makes all contracts void. So I looked on XXXX for cash app customer support. Found a number and they seemed legal. I was instructed to transfer funds to a XXXX XXXX XXXX ACCOUNT. Until they the " scammers ''. Could fix the problem. Not knowing it was a scam I proceeded to transfer my life savings. {$13000.00} to them. Once they got the money they hung up and disconnected their number. I finally got a hold of cash app to stop the transfer and to launch an investigation. So I waiting 10 days to here from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: Revenue Assistance Corporation dba Revenue Group
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I have called this co. 3 times about this and they insist on me giving my personal info such as social number and date of birth and I refused. I gave them the reference no., they told I had to give them my DOB ans last four of my social which I refused and they hangup the phone. a XXXX XXXX told me if I did not give the info they requested they would not have to talk to and he hungup on me. 
I TRIED TO TELL THEM EACH TIME I DO NOT OWE THIS DEBT THEY HUNG ON ON ME. I FEEL LIKE THIS WAS VERY RUDE AND DISRESPECTABLE TO ME AS I WAS NOT GIVEN THE OPPORTUNITY TO EXPLAIN. 
THEY WERE RUDE!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-12
Company: I.Q. DATA INTERNATIONAL, INC.
State: NV
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
IQ Data purchased debt from XXXX XXXX XXXX and reported to all credit bureau with incorrect amount of {$130.00}. After I disputed the debt, IQData updated the amount to {$220.00} which is incorrect. I paid a portion of the debt that was not in DISPUTE with XXXX. According to emails and XXXX database the amount in question is {$110.00}. I was recently informed that I am a member in a Class Action against XXXX ( XXXX ). I believe that IQ Data and XXXX are acting in a malicious, retaliatory and fraudulent action to damage my credit. I attempted to resolve the disputed amount in XX/XX/2015, with BBB XXXX would not respond and BBB closed file with " F '' rating. I have NEVER received proof of debt from IQ Data even though requested in my credit bureau dispute.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11
Company: Accounts Research, Inc.
State: TN
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Account Research is harassing me for a bill which is owed by my spouse. I have contacted the billing services and spoke to someone named XXXX I explained that this is not my bill and I was never treated by XXXX XXXX XXXX in XXXX, TN. XXXX advised me that since it is a medical bill I am responsible for my spouses charges. My spouse is XXXX years old and responsible for his charges. I asked them to stop sending the bill with my name on it they have now resorted to sending the past due bill to my place of employment. This is a cheap ploy to shame me into paying for a bill that is not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: SYNCHRONY FINANCIAL
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: Account information incorrect

Complaint:
This item, Synchrony Bank/ Ashley XXXX  , is inaccurate because I never received any items to make payments towards prior to closing the account myself. I have SYNCB/Ashley XXXXe representatives on multiple audio recordings stating there are no payments made to the account until the items are delivered. I never received any items that were financed but began getting charged. I spoke to a manager, XXXX, on XX/XX/22 with recorded audio and canceled the delivery as well as closed the account. On XX/XX/22 at XXXX, I spoke to an Ashley Furniture Guest Response Team representative on a recorded line that identified themselves as XXXX XXXX XXXX XXXX After explaining the situation, I was informed that one item was being shown as delivered. I asked for proof of delivery to include the address it was delivered to because I did not have any furniture from them, and I was informed that a representative from their back office would be contacting me. No one has ever contacted me regarding the account or provided any proof of delivery as requested. To this day, they continue to falsely report late payments, a high balance, and they closed the account which has continuously impacted my credit report in a negative manner. The unlawful actions and negligence of SYNCB/Ashley XXXX  led to me losing a house I was under contract for because my score dropped significantly when pulled right before closing.

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 2015-09-11
Company: SUNTRUST BANKS, INC.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Following information has been submitted XXXX : Contributor : SUNTRUST BANKContribute Reference # XXXXAccount # XXXX Date XX/XX/XXXXContribution Reason : Transaction ( or attempting to transact ) with an account in an unauthorized or prohibited manner. 


I have never attempted to transact with an account in an unauthorized or prohibited manner. Such FALSE statement on file is prohibiting me from doing business from other banks.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-25
Company: Credit Karma, LLC
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have XXXX credit card that I use, it is a XXXX XXXX XXXX cash rewards credit card. There are XXXX or XXXX other cards that I do not own on that credit report for credit karma, and it is making my credit score look poor and that is not good. I need these other cards that do n't belong to me off of my credit score.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: EQUIFAX, INC.
State: IL
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 the below Accounts 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 The Contacted Creditor/Agency asked for proof of the alleged debt, specifically the alleged original application bearing my signature ; they have not been able to provide such proof to me. 

under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt nor therefore any such debt in fact exists. 

Unauthorized/Erroneous Account RESULT OF the Equifax Data Breach Direct Violation of The FCRA Reporting falsely Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681.

Mistaken identity/ does not belong to me. 

Validate this false charge off it does not belong to me. 
Verify This invalidated account. 

inaccurate/invalidated account Prove it. 

this account is false and not mine Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud.

Under 15 US Code 1681a ( 3 ) this medical collection is in violation and cant be on my credit report XXXX. XXXX XXXX XXXX XXXXXXXX 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 2017-04-29
Company: JPMORGAN CHASE & CO.
State: MO
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, I have this auto debt on my c redit from Chase auto in a collection status. Chase auto has reported on my credit and it has effected me getting qualified for a Va Home lo an.   In the month of  XXXX    XXXX   I was trying to open a bank account with  XXXX   XXXX   XXXX   XXXX  but was denied due to bad debt. So after obtaining my credit report in  XXXX    XXXX   I saw this alleged account on my report.   On  XXXX   XXXX    XXXX   I wrote to cha se (   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , AZ  XXXX  ) auto finance asking for the amount owed on this account, and offered to settle this account in exchange for the original instrument of indebtedness in its original form. I heard no responsefrom this letter.   I waited till  XXXX   XXXX    XXXX   to write chase auto again. On that day i offered again to settle the account in exchange for the original instrument of indebtedness in its original form. If no responsewas received by  XXXX   XXXX    XXXX   I wouldhave considered the account legally and financially settled.   I have recently received a phone call  from Chase  on  XXXX   XXXX    XXXX   during my work hours where in my letter on  XXXX   XXXX  I requested no telephone communication be done only mail.  Chase auto has not provided me any contract with my signature on it in accordance with the UCC article 3 Part 4 which they assume I am liable this de bt and currently still report it in erroneous on my credit report.

Company response to consumer: Closed with explanation