BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-30
Company: BB&T CORPORATION
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Payment date changed by 3 days as well as despite paying for over a year. If the interest rate was lower then payments would not be a problem. But they will call me 4 or 5 times a day on two different numbers. That 's 10 calls a day. And if I answer and as to call back because I 'm at work they threatened to reposes vehicle if I hang up.

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 2017-10-22
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:
I am a victim of the recent XXXX data breach and identity theft. The following hard inquiries are fraudulent, unauthorized and dont belong to me : 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 XXXXXXXX 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 non-monetary relief
Consumer complaint received 2017-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There 's terrible mistake in my report, why have many unauthorized inquiries appear

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 2022-05-02
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with Fair Credit Reporting act the below listed have violated my rights : 15 U.S. Code 1681 section 602a. States I have the right to privacy. 15 U.S. Code 1681 section 604a : It also states a consumer reporting agency can not furnish a account without my written instructions. Name to be deleted : 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 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 2019-07-18
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have submitted several letters requesting Method of Verification to Equifax regarding an account listed on my credit report ; XXXX/XXXX  but never received a thorough method of verification just a generic response that the account belongs to me. The account does not and is listed as Bad Debt placed for collection but is not a collection on my account. They also have the following remarks on my account ; Account Transferred Or Sold Charged Off Account Charge Variable/Adjustable RateAccount Transferred Or Sold Charged Off Account Variable/Adjustable Rate Amount In High Credit Is Original Charge-Off Amount. As we all know that any account that has been charged off and sold to any collection company should not have any amount. These remarks along have decreased my credit score which makes absolutely no sense when I have repeatedly advised Equifax of verification of the debt and never received a response. According to the FCRA they are suppose to provide their method of verification or remove the account from my credit report. I only receive generic responses because they are not doing a proper investigation and only utilizing XXXX to verify the debt based on name and address alone and I have been a victim of Identity theft. Which they also receive the FTC report from me but still refuse to remove the incorrect item. I am requesting that Equifax removed this account from my credit report within 10 days if they do not provide me with their method of verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-19
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
THIS IS NOT A DUPLICATE COMPLAINT. 

At the locate XXXX XXXX XXXX XXXX, PA XXXX, I deposited a {$600.00} stimulus check at the ATM. The ATM did ask me to put in the amount of the check, so I did. The ATM showed a picture of the stimulus check and asked me if I wanted a copy, with or without an image, I picked with image. The receipt reads XXXX XXXX available {$200.00} It clearly shows the stimulus check, and all the numbers on the check, the president 's name, and economic stimulus. Checked this morning and now it's saying, we could not read the stimulus check, and to call the IRS to get a replacement check sorry! You never put the check in, so we can't send you anything, or go into the machine, get it out and give it back to you, sorry! It your own dumb-ass fault XXXX XXXX, you listened to our ATM, followed the ATM 'S instructions to also, keyed in the already varied amount of {$600.00}, and got the readable image receipt. Was also informed that TD Bank could not, would not, get the stimulus check out the ATM, because the ATM machines are managed by someone else, sorry! The people that manage our ATM 'S come every 2 weeks, came on the day of the incident, oops sorry I don't know what time, we can't reach them, I don't know, sorry! The staff here is poorly trained and unprofessional, how could you not know your job? Playing I don't know 's with somebody life. The bank could have issued me the {$600.00} until this matter was worked out, but did nothing instead. The IRS inform that they can not send me out another check, I would have to go to the website and fill out a 1040-SR form this will take months. I can't buy food, sorry! I can't pay my light bill, sorry! Take it up with the IRS, have them send you out another one, sorry! So I got to go hungry and be in the dark, for 6 to 8 weeks, while they trace a check, yep! and sorry! I called the branch at XXXX, was told to call the IRS and get a replacement, sorry! I the XXXX no help either. Your TD Bank branch people should be fired. I am without food and can ' pay bills, what am I suppose to do? 

Was sobbing me eyes out TD Bank could care. 

I have email the head of TD Bank 's departments. 
Will take legal action if I am not compensated, your bank broke the law.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-22
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Due to COVID-19 I requested a forbearance on my mortgage which is serviced by SunTrust bank. The forbearance began XX/XX/XXXX and and was extended through XX/XX/XXXX. I have documentation stating that my forbearance does not end until XX/XX/XXXX. While calling to reestablish payments, I discovered that SunTrust did not honor this forbearance. The most recent statement sent to me demanded payment in the amount of {$6900.00} on XX/XX/XXXX. Prior to calling to reestablish payments, I spoke with a SunTrust representative that explicitly stated under the CARES Act I had options in repaying my mortgage to include a payment plan or extending the length of my mortgage. SunTrust has not allowed me to do this. Again, based on the documentation that I have from SunTrust, my forbearance should not have even ended until XX/XX/XXXX. In addition to failing to honor my approved forbearance period, I have been assessed a late fee for a forbearance that hasn't ended.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: Resurgent Capital Services L.P.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Didn't receive a notice of right to dispute or to request validation of this alleged debt prior to this collection agency reporting invalid information to all 3 credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I pulled a credit report and the following information is wrong : Real Estate Credit accounts ; Both XXXX and Transunion have an inflated amount, they have the payments due as {$7700.00} per month, but should be {$4900.00} as reflected by XXXX. 

Both XXXX  and Transunion have Installment credits accounts as {$2400.00}, this is incorrect. The amount should be {$1000.00}, as reflected by XXXX. 

XXXX has my name as XXXX XXXX XXXX, it should be XXXX XXXX. 

XXXX  has a late payment for XXXX, dated several years ago, the car was turned in for another vehicle, I was never late on the payment.

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 2021-07-22
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, I have a mortgage with LoanDepot.com that began in XXXX of 2021. I am enrolled in ACH automatic payments and I have had a couple months of the payment being properly drawn from my XXXX XXXX checking account and credited to my LoanDepot.com mortgage. On XX/XX/XXXX I was notified that my XXXX payment had been rejected. I checked my XXXX XXXX account and it had been deducted from my checking account and I can see that it was received by Loan Depot on their website. I have called customer service at Loan Depot and spent approximately 12 hours so far on the phone. I have been treated extremely rudely, disconnect over 10 times, not called back, transferred to wrong departments, etc. They seem to have no concern to resolve this issue in an appropriate amount of time as I am now receiving calls from them stating my payment is late and asking if I am experiencing a hardship. Today I was told it would take 30 days to figure out and that they would report me as paying late on XX/XX/XXXX. At this point I just made another payment for XXXX so it doesn't affect my credit but this seems like it should be illegal. They took my money, can't find it, won't credit it to my loan and have caused me to spend 12 hours on the phone so far to get nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
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: Investigation took more than 30 days

Complaint:
I did not give your company consent to furnish any hard inquiries on my consumer repor. I was taken advantage of due to malpractice. While several Federal laws were broken under the ( FCRA ) by your company. 


This has caused me defamation of character, severe hardships, XXXX, XXXX XXXX, XXXX XXXX, loss of enjoyment of activities. I cant apply for credit, my ability to apply for credit is tainted, I cant receive any 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 2020-10-08
Company: EQUIFAX, 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:
I have accounts listed on my credit report that are not clearly mine. I think someone used my information to open these accounts. I am not a credit repair company, and I sent in my personal documents to depict who I am. Please remove those accounts immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
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:
I have accounts listed on my credit report that are not clearly mine. I think someone used my information to open these accounts. I am not a credit repair company, and I sent in my personal documents to depict who I am. Please remove those accounts immediately

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 2019-07-18
Company: CITIBANK, N.A.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been a member of the Sears card since XXXX where I made a purchase and paid my debt off. Recently sears closed the card because I wasn't using it, but on my credit report, they report a negative mark stating that I had a late payment. which is false because I have never had a late payment on any of my accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Unexpected or other fees

Complaint:
I went in to Bank of America in  XXXX   XXXX  in Georgia to cash a check drawn on Bank of America that my husband wrote to me I was given a pamphlet indicating that beginning  XXXX   XXXX  they will start charging {$8.00} fee for non account holders to cash a check drawn on Bank of America I think that is discrimination and pressure to have people open bank accounts I choose to bank with another bank and choose not to deposit the check into that bank because I prefer to get the cash. Banks should not be allowed to charge consumers who do not bank with them to cash a check from an account holder that banks with them it is simply greedy and unfair

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 2022-05-02
Company: Genesis FS Card Services, Inc.
State: NE
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have attempted to contact this company multiple times for the last few months, which they stated they do not have the account and it was charged off. I have asked for more information and my options. This company continues to report a balance for this account even though they claim it was charged off. I even contacted the company they say they charged it off to which is XXXX, XXXX also has no knowledge of said account. At this point I have no way to locate this account, no way to request more information and no way to resolve this said issue. Its very frustrating for me because it contains to ruin my credit but I am not given the opportunity to request verification and/or settle.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: The CMI Group, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX claims that I never paid my last bill and did not return the equipment. I have a recorded phone conversation that would prove otherwise as well as an equipment return receipt from XXXX. This matter was previously disputed and settled in my favor. After one credit collections agency dropped the account, XXXX proceeded to fraudulently, and against federal regulations open a second credit collections account with a different agency. I owe them nothing and my credit has been damaged for over a year, not to mention the hours of time spent having to deal with this that I would normally be paid {$40.00} any hour for ( Im considering suing for emotional distress, harassment and cost of time delegated to correcting the issue ) due to derogatory remarks on my account. They should be held legally accountable and I feel repercussions should be mandatory.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-05
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a XXXX for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$770.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX XXXX {$1500.00} ; XXXX XXXXXXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXXXXXX Balance : {$84.00} ; XXXX XXXX Balance : {$84.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX Balance : {$770.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/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 2017-06-30
Company: Credit Protection Association, L.P.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I keep receiving robo calls from XXXX with a message that identifies the caller as " XXXX XXXX XXXX XXXX attempting to collect a debt. The first call was received X/XX/2017 and the second call was received X/XX/2017. They ask for me by my middle name, which is the name I go by personally, but any service or business transaction I register under my legal first name. I also know for a fact that I do not have any delinquent debt. I just bought a home a few months ago and had an excellent credit report then ( upper XXXX ). My first mortgage payment has not even come due at this point, and all other services I pay for are up to date. I had a utility bill go a few days past due by mistake but it was paid off before service was even at risk of being shut off, much less the delinquency being reported to a credit or debt collection agency, so I know there is nothing due here. I assumed this was a phishing scam, but recently read reviews online of others who have had problems with this phony debt collection scam including having the fake debts listed on their credit report. The reports also state that calls to this company are met with rude people who claim they can not divulge who the debt is for and only wish to collect your credit card and social security information to pay it. I do not wish to have my credit damaged over this false claim by this dubious company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: Certified Recovery Systems, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
In XXXX I thought closed a XXXX XXXX  account in XXXX, Ca. In XXXX I was notified it had not been closed and there was a maintenance fee {$4.00} for not having any money in it followed by a " forced close account '' fee {$34.00}. Thus creating a bill. Young, XXXX and really not feeling responsible for it when I hadn't used the account in 2 years I dismissed it. In XXXX, I recieved a voicemail from Certified Recovery Group asking me to contact them within 10 days or I would be taken to court. I called them and they told me I owed {$1200.00} for this XXXX XXXX  account " overdraft ''. I closed the account, how could I have been overdrafted and accrued this INSANE bill??? I was endangered of my wages being garnished. I asked for proof and a statement. I also asked for a settlement or payment plan as I could not afford a lien, or civil action. I did not have resources, knowledge, or internet and I already worked every chance I could. I live in a rural community and work at a little grocery store. I had a XXXX year old to take care of. The situation was frightening. They knew where I worked, my family, everything. I paid them {$620.00}, of which {$140.00} was rolled change! It was everything we had or could come up with and CRG accepted. I recieved the letter stating the debt was paid and I owed {$0.00}. Since XXXX, there have been several attempts to either collect on this again for the full amount by other companies, or wanting the remaining balance of the initial {$1200.00}. 
XXXX XXXX of XXXX XXXX XXXX XXXX today XX/XX/XXXX wanting balance An associate firm XXXX wanting total debt from CRG Certified Recover Group ( CRG XXXX XXXX company I paid {$620.00} to settle These monsters are terrorists! 
I also am filing a complaint against XXXX XXXX. How can they " free for all my information '' and put me at risk to haunt me for over a decade! It was a made up debt! It was a form of punishment for closing my account! And how can debts get resold over and over? This is disgusting. I feel robbed, and I'm angry that my tax dollars help this corrupt system and gross " leaching of the poor '' practices! I helped bail you out US! How is this legal? Why is this happening in America? This is parasitic! Why is all of America 's leadership across all vectors of government NOT HANDLING THIS!????!!!?

Company response to consumer: Untimely response