BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-29
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX I was fraudulently charged after someone impersonating someone I trusted. I was charged 5 seperate times for a total of {$980.00}. These were UNAPPROVED transactions, as I never signed anything or entered a pin number, which is in violation of Section 5 of the EFTA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: EQUIFAX, INC.
State: MD
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 tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I am a natural person ; I am a living human being. I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681, and they violated my rights numerus of times. I demand the inquiries listed below be remove because According to USC1681. I have the rights to privacy and i did not give Equifax written permission to furnish these accounts. 

IXXXX 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 2021-03-12
Company: California Business Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On around XX/XX/2020 California Business Bureau tried to collect a debt from me that was already taken care of by my employer for Workers Compensation. I tried to dispute this on several occasions but all communication on the phone has stopped and collections letters continue and now show as a negative report on my XXXX  credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29
Company: Remitly, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Problem with customer service

Complaint:
They have refused my service and they really have no grounds to do so. The little info I was given is very weak.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: Experian Information Solutions Inc.
State: GA
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: Problem with personal statement of dispute

Complaint:
Account was discharged through XXXX XXXX  bankruptcy on XX/XX/XXXX. The bankruptcy reference number XXXX was filed on XXXX XXXX, XXXX. XXXX XXXXXXXX XXXX shows XXXX XXXX wage earner status for XXXX and XXXX which is also incorrect. I have contacted XXXX XXXX XXXX about changing the incorrect information nothing has been changed after 30days and after dispute through experian no changes have been made. XXXX XXXX XXXX is fraudulently showing a balance of {$2500.00} on my experian credit report even after receiving bankruptcy discharge statement and will not change the information. Please remove the account in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: Caliber Home Loans, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is my second complaint. This will be month XXXX of our payments from FL XXXX XXXX XXXXXXXX not being applied to our loan. There is proof that XXXX is sending checks, but they are not reaching account or being applied. I am waiting as long as I can during the month to give Caliber time to apply the funds, but this is now over 60 days without any payments applied to account. I am not able to pay, that is why I qualify for the assistance. This is my wits end. My first payment from XXXX was applied to my home loan in XXXX, so I know that the system works. Caliber is not doing the leg work to assure my funds from XXXX are applied and I have heard this from many other people who deal with them as their lender as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This account was erroneously re-submitted on my credit report by Midland Funding LLC. Midland Funding contacted me in 2013 regarding this account and at that time I advisedthem the account was not valid. Midland Funding LLC erroneously pursued this account by filing a civil suit against me with XXXX County Circuit Courts. 

On XXXX/XXXX/2013, I attended the hearing along with Midland Fundingattorneys, at that time I advised the presiding judge this account was not valid and I also advised him I repeatedly advised Midland Funding of the same. The judge requested Midland Funding show proof of the accounts validity. Midland funding was unable to do so at the time of the hearing so they were given a set time to validate this account before the courts. 

Concurrently on XXXX/XXXX/2013, I filed disputes with all XXXX credit bureaus disputing this debt. 

Midland Funding failed to supply proof to the courts validating this debt, so XXXX week before our next court date Midland funding dismissed the case on XXXX/XXXX/2013. Please note the case was a dismissed XXXX days after my dispute. 

Upon dismissal of the case I forwarded this information to all XXXX credit bureaus and the account was removed byall XXXX bureaus. 

After a period of about XXXX year Midland Funding attempted to pursue this same account unlawfully. They attempted to resubmit the account to all XXXX bureaus, XXXX of the XXXX bureaus denied their attempt to unlawfully place this account on my bureau and XXXX somehow did n't verify the previous information sent and placed this account back on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-16
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Credit decision / Underwriting

Complaint:
I received a XXXX C Cancellation of debt for this account years ago. This is an old outdated account past the retention period. This account must be removed from my XXXX as it is causing me irreparable financial harm.

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 2016-05-26
Company: RS Clark and Associates, Inc.
State: AR
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I questioned this debt after getting harassed by RS Clark via the phone. I had a firm retained to send out for validation of this debt and a cease and desist phone contact order. What they sent back as validation is concerning. It shows my daughter as the guarantor, yet she was XXXX years old at the date of service on the invoice, a medical practice we have never heard of for a specialty my daughter has never required, in state we do not reside in, and a doctors name we have never heard of!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: FC HoldCo LLC
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Well unfortunately I had a XXXX and this un legal got my car towed while I was sick and they had me to put. Down a deposit that never went on the loan lots of lies was told the car wasn't new and use fraudulent things

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 2016-11-30
Company: SUNTRUST BANKS, INC.
State: UT
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I have an outstanding issue which suntrust has already admitted that they have made a mistake and broken the law. They followed up w me needing more information which I faxed to them on XX/XX/2016. I did not hear from them for a month. When I finally called them they said the issue had been closed. I asked them if they had received my fax, why they would close the issue without calling or notifying me by mail. They said that they would get to the person handling the issue and get back to me in XXXX hours. I have now called them 3 times in a month and have received that same response. Nobody has followed up. The case number is XXXX. The contact at suntrust is XXXX. Her XXXX is 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 2016-11-21
Company: SUNTRUST BANKS, INC.
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
This is complaint against Sun Trust Bank. XXXX accounts were fraudulently drained of {$200000.00}. between XXXX XXXX and XXXX XXXX. Some of the money has been returned to the account in the form of provisional credit {$26000.00}. The remainder has not been returned. It has been four months and Sun Trust will not return calls from fraud investigator. Case # 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 2022-10-29
Company: Experian Information Solutions Inc.
State: GA
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. 

Account name : XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX has violated my rights XXXX XXXX has violated my rights XXXX XXXX has violated my rights XXXX XXXX has violated my rights XXXX XXXX has violated my rights XXXX XXXX Bankruptcy Reference # XXXX has violated my rights XXXX 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 2015-08-19
Company: WELLS FARGO & COMPANY
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
This is my second complaint against Wells Fargo. My first complaint number is XXXX. I have tried to negotiate with Wells Fargo and they refuse to work with me. I am sick and tired of the their lies and their manipulation of the system. My complaint is that I can not get a straight answer from them. Was Wells Fargo the lender/investor of my loan or was the FHA the lender/investor? This information is crucial because if Wells Fargo lied to me in order to steal my home for profit or gain, they are in violation of consumer protection laws. I had FHA insurance which I paid for. Could the FHA be the investor and also force me to pay them for mortgage insurance? That 's what Wells Fargo is telling me. XXXX XXXX, XXXX, XXXX XXXX sent the OCC a letter stating Wells Fargo was both the server and the investor but in XXXX of XXXX, XXXX XXXX told me, over the phone, that XXXX was wrong and the FHA owned my loan. ( I 'm sure it was recorded ) I wish I did n't have to deal with them. Wells Fargo chose to acquire my loan from XXXX XXXX XXXX , XXXX . I never asked to deal with them, they chose me. I purchased my home in XXXX of XXXX and XXXX of XXXX, my job claimed they did n't have the money to honor our contract and needed to negotiate a new deal. The body agreed to it so they could save jobs. I lost approximately {$400.00} a month from my income. I tried my best to stay afloat but I started to go under water very quickly. Every bill I had started to suffer. I contacted Wells Fargo to see if I could change my payment arraignments and send them partial payments for a while and they said no. They said the loan was not theirs and they could not alter the loan. They were ONLY the servicer of the loan and the FHA was the investor. I did n't want a modification at that time because I knew I would get my income back soon and I could get back on track. Well, I lost that battle XXXX XXXX, XXXX. Wells Fargo foreclosed on me. What made it worst was that they tried to push it through the courts expeditiously. Lucky for me the Magistrate said no. He knew there were programs to help me regain control of my finances. Although I took advantage of these programs, mortgage modification, Save the dream program, Hamp program, etc ...., Wells Fargo has come up with excuses to why they could n't help me. They even went as far to say that I did n't want the modification. I want to know if Wells Fargo would be considered the lender of my loan since they took over the loan. Also, does that make them the investor too or is that something totally different? Wells Fargo claims the FHA is/was the investor which is why I 'm writing this complaint. All I want is a straight answer. They already manipulated the courts, foreclosed, then bought the house at the Sheriffs sale. I just want my home back. If I have to sue Wells Fargo for that to happen, than so be it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29
Company: National Enterprise Systems, Inc.
State: SC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I am repaying a student loan that I am a co-signer on with my daughter XXXX. She attended XXXX XXXX XXXX XXXX in XXXX Due to healthissues she became unemployed and could not continue paying on her loan. Thisloan went into default before I became aware of it. The loan was charged off and dNational Enterprise Services acquired the loan. At this time the balancewas {$20000.00}. I paid {$4000.00} down and began paying them between {$100.00} - {$110.00} a month for almost four years. During that time my balance went down to {$15000.00}. I filed a complaint when I finally realized that the interest was being compounded daily at 6.6 %. This loan would never be paid at this rate! Now, NES has CLOSED out the loan as they have not taken 2 months payments from my checking account, and have given the loan to a FINAL collection agency, XXXX Theysaid they would negotiate for a final payment of XXXX lump sum but thatI could NO longer make payments. This would never work for me as I am retired and can not afford XXXX lump sum due to a fixed income. Please help me with this unbearable situation!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: EQUIFAX, INC.
State: GA
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. 

Account name : XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX has violated my rights XXXX XXXX has violated my rights XXXX XXXX has violated my rights XXXX XXXX has violated my rights XXXX XXXX has violated my rights XXXX XXXX  Bankruptcy Reference # XXXX has violated my rights XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2015-05-27
Company: AES/PHEAA
State: OH
Product: Debt collection
Sub-product: Federal student loan
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
There are several accounts reported on my credit report that I have disputed due to inaccuracy and failure to validate this debt as I requested. I contacted this company and requested them to validate their claim as well as the information I know to be incorrect that they are reporting on my credit files. The phone number listed on this account is invalid, and there is no way to contact them. This account was opened in 2007, and should not be listed on my account as a negative account with inaccurate information. They are continuously reported my accounts as bankruptcy when these accounts are not in bankruptcy. All of my loans have been consolidated with another lender. Being that they are not able to validate their claim or their information or given me the opportunity to dispute their claim is a violation of Federal Law

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-27
Company: SUNTRUST BANKS, INC.
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have a bussines account at Suntrust Bank, as well a personal account wich is close by now, from my bussines account Suntrust bank took XXXX USD with out any autorization on my side. I need this money immediately and Suntrust is refusing to credited it back. I 'll apreciate your help. 
Best regards, 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 2015-08-17
Company: Vantage Sourcing, LLC
State: CA
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:
This saga with XXXX is XXXX commonplace issue XXXX XXXX, their XXXX lawsuit for [ lying ] cheating stealing from their own customer base, does n't magically go away!!!!. XXXX Irrefutable proof } of a problem here. Before I filed a complaint with the govt. and the california XXXX. I argued, complained, confronted there sloppy blunders, they twisted [ obscured ] with weak apologies and promises to correct?! # NEVER happened?! # I do n't need to call anyone XXXX times a month and XXXX about some stupid errors, that should of never happened. NOW, XXXX is circumventing your authority, sent this deceptive bill to 3rd party. ( vantage ) I called and XXXX faxed XXXX them XXXX today ] talked to someone named XXXX XXXX plus XXXX they say the conversation is recorded. I told them I am disputing there fraud and deceit, why they have XXXX tunnel vision ]?! # They told me XXXX has me down as a excellent customer since 2008!!!! Imagine that?! # I filed a grievance with their [ billing ] and sales dept. supervisor for the deceptive sales practice from their XXXX telesales ] _again_ they failed miserably to investigate. Part of this cryptic deceit starts with their salesman [ lying XXXX to me that there [ XXXX tablet ] is {$190.00} no contract!!!! THAT was the only reason I called them in [ first ] place. SIMPLE MINDED QUESTION/ HOW MUCH FOR A LAPTOP [ RETAIL ] __NO CONTRACT____?! # Does it get any plainer than that?! # They send me some junk XXXX tablet with a arbitrary contract XXXX years. Some convenient {$170.00} early termination fee. {$75.00} restocking fee. Outrageous incompetence. I never agreed to any of this or XXXX aware ] of any hidden clauses. I sent this junk back within XXXX days, they manipulated these blunders for XXXX months with there cryptic balance billing, [ before ] I finally got credit XXXX accountability ] for it. Disgraceful!!!! NOW sent this fraud and deceit to a collection agency [ pretending ] they do n't know there is an obvious problem here. I still have [ not ] received my refund and/or credit for there forwarding XXXX cryptic ] balance billing, that I and everyone pays in [ advance ] before you get your service turned on. HOW should this manipulated deception of the facts be treated?! # XXXXbreached_ their own arbitrary contract, with XXXX willful ] fraudulent and deceptive billing practices. Failed miserably in good faith and fair dealing business practices. Customer loyalty, and satisfaction. They are required to eat these billing blunders on good standing, taking responsibility for their outrageous billing blunders!!!!!!!!!!!! I have XXXX lines with them. I cancelled with rage distrust, complete dissatisfaction.

Company response to consumer: Closed with explanation