BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-26
Company: Williams & Fudge, Inc
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Dear Consumer, Financial Protection Bureau, I am writing to file a complaint against Williams and Fudge, a debt collection agency. On XX/XX/2022, I received a phone call from Williams and XXXX, during which they informed me that I did not owe any debt but requested my social security number. A few days later, on XX/XX/2022, Williams and Fudge called me again and claimed that I owed {$5000.00} in debt. 

In response to these calls, on XX/XX/2022, I sent a certified letter to Williams and Fudge denying the debt and requesting verification that the debt is mine. I also requested that they cease all communication with me regarding this debt. 

Despite my request, I have yet to receive verification that the debt is mine. Williams and Fudge has continued to contact me, causing undue stress and harassment.

I believe that Williams and Fudge is in violation of the Fair Debt Collection Practices Act, which requires debt collectors to provide verification of debt when requested. I am therefore filing a complaint with your agency and requesting that you investigate this matter. 

I appreciate your attention to this issue and look forward to a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: Synovus Bank
State: VT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I've asked repeatedly to close this account, once and XXXX then in XXXX, they failed to do so even after my last complaint to CFPB. This has affected my credit, and at this time I'm requesting that they remove the last late notation from my credit report as this should've been closed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: PENTAGON FEDERAL CREDIT UNION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I have a credit card account with Pentagon Federal Credit Union. 

On XX/XX/XXXX I contacted the credit union via online chat. I requested that my Visa credit card account be closed. I only have one credit card account with this credit union. XXXX. 

The representative, XXXX XXXX, stated " Your card has been permanently closed. Please note you will receive your final statement by mail. '' The chat log is attached. 

as of XX/XX/XXXX, the account still shows online this card to be active and has assessed additional fees. 

I have re-contacted the credit union, The service representative states the card is still active and have no " record '' of the request to close the account. They were again, not able to immediately close the account at my request.

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 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I am a consumer by law, This has not been submitted in error. 
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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  inquiries 1 XXXX XXXX XXXX Inquiry2 XXXX XXXX XXXX  Inquiry3 : XXXX Inquiry4 : XXXX Inquiry5 : TRANSUNION XXXX XXXX Inquiry6 : XXXX Inquiry7 : XXXX Inquiry8 : XXXX XXXX XXXX via XXXX XXXX Inquiry9 : XXXX XXXXXXXX XXXX Inquiry10 : XXXX XXXXXXXX XXXX Inquiry11 : XXXX XXXX Inquiry12 : XXXX via XXXX XXXX inquiry13 : XXXX XXXX via TRANSUNION XXXXXXXX XXXX Inquiry14 : XXXX XXXX XXXX 
Inquiry15 : XXXX XXXX XXXX Inquiry16 : XXXX XXXX via TRANSUNION XXXX Inquiry17 : XXXX XXXX  via XXXX XXXX XXXX XXXX Inquiry18 : 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 2023-02-28
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received an alleged debt notice from Midland credit on XX/XX/23, I sent Midland a Lawful notice and a declaration of fraud, to validating the debt and I received no response in the allowed 10 days noted on the notices. 

I informed them I have no contract with them, and they purchased the debt making them, a volunteer to paying the debt. After a debt is purchased per an attempt to try to collect or sell the debt is an act of fraud. 

I have the mailed alleged debt notice form Midland attached as well as my notices, sent to Midland asking for validation of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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 act this Creditor, has violated my rights under 15 USC 1681 section 602 states I have the rights to privacy. 15 USC 1681 section 604 A section 2 It also states that consumer reporting XXXX, XXXX and XXXX can not furnish an account with out my written instructions. Under 15 USC 1666 B a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: CITIBANK, N.A.
State: MN
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/2023, a complaint was filed with CFPB, with complaint ID XXXX. In this complaint, a Citi Accelerate High Yield Savings Account was opened under the " Leveled Bonus Offer '' promotion, where {$450.00} was supposed to be awarded for depositing $ XXXX in funds, over a defined period of time. 

Citi responded on XX/XX/2023 saying that I was not " targeted '' for this promotion, and so am not entitled to the {$450.00} bonus. I now attach to this complaint, the screen captures I obtained from using the Citi App on my mobile phone, after logging in ( I have a Citi Credit Card - that is why I had the app and was able to log in ), that show I was solicited to apply to this offer. I also attached the confirmation email I received from the offer, and the detailed terms and conditions. 

To my knowledge I have fulfilled all of the requirements of the offer and was " targeted ''. I look forward to getting a positive resolution to this situation.

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 monetary relief
Consumer complaint received 2023-03-14
Company: BMW Financial Services NA, LLC
State: FL
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 CREDIT WAS PULLED WITHOUT MY PERMISSION AND ACCTS ARE LISTED THAT I HAVE NO RECOLLECTION OF. 

BMW FINANCIAL SERVICES Date opened XX/XX/XXXX Account type Auto Loan XXXX XXXX XXXXXXXX XXXX  DATE OPENED XX/XX/XXXX XXXX {$95000.00} XXXX UPDATED XX/XX/XXXX XXXX XXXXXXXX XXXX DATE OPENED XX/XX/XXXX XXXX {$110000.00} XXXX UPDATED XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$2800.00} XXXX UPDATED XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$0.00} XXXX UPDATED XXXX XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX Date opened XX/XX/XXXX ACCT # XXXXXXXX XXXX {$290.00} XXXX updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX  Date opened XX/XX/XXXX ACCT # XXXX XXXX {$1400.00} XXXX updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX XXXX {$22000.00} XXXX  UPDATED XX/XX/XXXX INQUIRY -- - XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: WELLS FARGO & COMPANY
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Wells Fargo overdraft fees over the many years I have been a customer of theirs

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 2023-03-08
Company: Maximus Education, LLC dba Aidvantage
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Hello I am submitting this complaint as it regards to refund of student loan payments made during the payment pause. I have submitted a refund request through Aidvantage on XX/XX/XXXX for the refund amount of {$8300.00} that was made during the payment pause. Initially I was met with a very helpful lady ( XXXX ) that sent in an expediated request and was told that it would take 4-6 weeks to receive a refund. She was doing this for me as I had already submitted a refund request with my previous servicer XXXX XXXX on XX/XX/XXXX but that was not completed prior to being transferred to Aidvantage. After the 4-6 week time frame had passed I contacted Aidvantage again for an update and was told it would take 6-8 weeks from the time the refund was approved through Aidvantage to receive a check from the Treasury Dept. I was given the date of XX/XX/XXXX as the date it was approved. It has since been over the 6-8 week timeframe yet again and I would like to get clear clarification on where my refund is. I have remained patient throughout this process but have now waited 6 months ( 3 with XXXX servicing/ 3 with Aidvantage ) I need an update immediately thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: Self Financial Inc.
State: TX
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have an open account with your company Self Financial that was opened a few years back. Unfortunately, in XXXX of 2022 I was 30 days late. I have tried to ask for a goodwill letter based on the long-standing relationship I've had with Self and the fact that I was in a tight financial situation, but I was not very successful with this request. I am hoping that by reaching out to someone of higher authority that you would be able to assist me with getting the late payment removed from my credit report as it is causing me extreme hardship. I do believe that customer service is limited as far as customer requests are concerned, and I know that they are only doing their job. I want to insert that paying late was not intentional and I have been current ever since and my credit report will show that. We are all human and sometimes have misfortune, and I am asking to be forgiven for this mishap. I have really enjoyed my relationship with Self and would love to continue doing business. I hope that you can forgive my shortcomings and help me with this late payment removal. I really hope to hear a favorable outcome from Self Financial. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: Fay Servicing, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
From a year till now I had reported to the mortgage company and its insurance company to relive or endorse the check they are holding funds, which cause on repairs from my own pocket. The bathroom had to be repaired thos week due extensive damage to the structure. I tried to fax them the contractor estimate but they denied to accept it. I'm now short of XXXX dollars for the mortgage since the delay of funds that the company and insurance is holding up. I am late this month for the mortgage payment because of this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: EQUIFAX, 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:
VIN : XXXX XXXX XXXX XXXX XXXX Account Opened : XX/XX/XXXX Amount Financed : {$38000.00} Monthly Payment : {$800.00} Reported Outstanding Balance at Date of Loss : {$32000.00} Vehicle Totaled : XX/XX/XXXX XXXX Paid : {>= $1,000,000} Gap Paid : {$1900.00} XXXX XXXX Showing Outstanding Principal Balance : {$8600.00} XXXX XXXX has falsely and inaccurately been reporting to all three credit bureaus that I have not paid any payments at all on the loan and still currently reporting that the loan is late by 60-90 days. It also shows that the balance is higher than the amount that was financed at the date of purchase, which is incorrect. I have made all required payments less than the 4-5 payments that were deferred. Even after XXXX and XXXX made their payments, XXXX XXXX has failed to update the account to reflect any payment received and the updated status of the account. XXXX XXXX XXXX XXXX is reporting as if I have never made any payments and owe them more than the amount financed, which is damaging and false.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
Company: CITIBANK, N.A.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
This account is in violation of FCRA. This account is CLOSED but still reporting a monthly payment of {$47.00} with a past due balance of {$64.00} and an overall balance of {$220.00}.

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 2023-02-21
Company: Lennar Financial Services, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/2021, mortgage documents were executed with lennar mortgage/lennar homes XXXX and we were decieved by the product and community promised by lennar mortgage/lennar homes. Builder didnot disclose Red paint that would be painted through out the community, builder didnot disclose the monument being installed .the actions of lennar mortgage/lennar homes are depreciating our home value.

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 2023-03-02
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Fifthird Bank will need to talk with IRS as they included nothing about my name and my infos on the check but they took the money out of my account. The copy of check they keep sending me might be the check that they made payment to IRS. 
Also They can not provide me proof of request from IRS for {$7000.00} from my account. 
I have been calling and I met personally with IRS. There is nothng they can find which said Fifthird Bank sent to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$1300.00} XXXX XXXXXXXX Date opened : XXXX XXXX, XXXX Balance : {$310.00} XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$1400.00} XXXXXXXX XXXX XXXXXXXX Date opened : XXXX XXXX, XXXX Balance : -

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 2023-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 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 2023-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected Consumer rights to privacy and confidentiality under 15 USC 1681. 

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 has violated my rights XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
See the attached documents.

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 2023-02-20
Company: EQUIFAX, INC.
State: NY
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 am writing to report an issue that I have encountered with my credit report. On XX/XX/2022, I requested more information regarding errors that I found on my credit report from your company. Instead of providing me with the requested information, the item was simply deleted and replaced on the clock. 

I believe that this action is illegal as it essentially reset the clock on the item and prevented me from obtaining the necessary information to correct the errors on my report. I am writing to request that the company involved provide me with the necessary information to correct the errors on my credit report. 

If this issue is not resolved, I will be forced to escalate this matter to the Attorney General 's office. I urge your company to take swift action to address this issue and provide me with the necessary information to correct the errors on my credit report. 

Thank you for your attention to this matter. 

Sincerely,

Company response to consumer: Closed with explanation