BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-26
Company: TRUIST FINANCIAL CORPORATION
State: RI
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:
My original car loan was with Suntrust who was bought recently by Truist. I refinanced this loan with XXXX  XXXX  XXXX XXXX. The current lien holder, XXXX  XXXX XXXX, has submitted payoff information multiple times to Truist. We do not hear back or see any updates in the status of the lien release. Every time I call Truist they do not know how to handle my request for a lien release. Its an hour hold time each time you need a representative. I dont think its fair to devote so much time to get a representative who is unable to help. I have had multiple calls where I have been transferred to other departments where you then have to wait on hold for another hour. I have been transfered to internal departments who then refuse to help because quote " your on an internal line ''. Which is essentially a line they are using to get you off the line. I feel like no one is willing to help or go the extra mile. At this point I'm paying two car payments. This loan I'm writing about is for a car that has since been totaled in an accident. I can not get the loan payment by the insurance company until this title issue is resolved. Suntrust is so bad they dont even have my correct address. I know this because they said they mailed the lien release to my old Texas address not even to the current lien holder. Which should be a no no! Why would i get the lien release sent to me I wasnt the one who paid off the loan it was XXXX XXXX  XXXX XXXX. I've given multiple opportunities for Suntrust to update my address. Supposedly the refinance request was confirmed closed with Truist on XX/XX/XXXX. If thats the case I want to know why XXXX XXXX XXXX XXXX hasnt received it yet. 

Listed below are some of my calls XX/XX/2022 XXXX XXXX pm XXXX hr XXXX minutes XX/XX/2022 XXXX XXXX pm XXXX minutes XX/XX/2022 XXXX XXXX pm XXXX hr XXXX minutes XX/XX/2022 XXXX XXXX pm XXXX minutes XX/XX/2022 XXXX XXXX am XXXX hr XXXX minutes

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 2021-03-20
Company: EQUIFAX, INC.
State: NJ
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:
Several certified and notarized letters with proof of disputes were sent to XXXX XXXX XXXX and to Equifax. Every time the investigation was done it remains even with proof sent that it does not belong to me. The original contract from the health provider that has someone else 's name and no signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I initiated my disputes with Equifax beginning in XXXX of XXXX. Long since, they have responded to my disputes with " item verified ''. I have asked them to send me verifiable documents or information to how they verified the accounts. I am a victim of identity thief, and it is very important to me to know " HOW '' these items have been verified. 
I have sent letters via certified mail and initiated disputes online. My final letter was sent XXXX/XXXX/XXXX asking Equifax to provide me with verifiable information that backs up their claim of the items being verified. They have not. They responded with item verified. Under FCRA section 611 ( a ) ( 7 ), once an item has been verified the consumer has every right to ask " HOW '' the item has been verified, and the credit reporting agency has 15 days to reply with the requested documents. I have not received any documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have a Federal tax lien that was released, reporting on Equifax and XXXX. According to everything I have read on the laws, released tax liens must be removed within 7 years of the filing date. I have disputed this with the bureaus, as the filing date was more than 10 years ago. XXXX removed it. Equifax and XXXX have neglected to investigate it properly and remove it. The credit bureaus keep violating my rights as a consumer to have fair and accurate credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from ERC stating that I had a debt with XXXX. Says I owe XXXX and they can settle for half that amount. I have never had service with either of those companies. I have tried calling XXXX but was on hold for hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: EQUIFAX, INC.
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 name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-04
Company: CREDIT BUREAU OF NAPA COUNTY, INC.
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:
XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Re : Your Client : XXXX Your Client Acct. No. : XXXX Chase Acct. No. : XXXX Disputed Amount : {$37.00} VIA FACSIMILE XXXX, CERTIFIED MAIl CERTIFIED MAIL CERTIFIED MAIl XXXX and US Mail and US Mail Chase Receivables XXXX XXXX XXXX CA XXXX Dear Debt Collector, I am writing in response to your dated XX/XX/XXXX ( copy enclosed ) because I do not believe that I owe what you say I owe and that it is my responsibility to pay. 

This is the first I 've heard from you, therefore, in accordance with Section 809, The Fair Debt Collection Practices Act, I respectfully request that you provide me, in writing, with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe, please provide a copy of all itemized procedures performed and supplies used ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide me with authority or section of the contract between XXXX your client that I, the patient am responsible to pay for items not delivered. I did not receive any Medical Records. 
Provide a verification or copy of any judgment if applicable Identify the original creditor address Show me that you are licensed in my state, and provide me with your license numbers ; I also demand that you immediately send a copy of this dispute letter to the company that you say I owe money to so they are aware of my dispute with this debt and the reason I have not paid them because I have not received the Medical Records I asked for. 

Please hav your creditor XXXX proff of delivery of said Medical Records. 

I further demand that, if you have reported me to a credit-reporting agency, you inform them that I have placed the debt in dispute and provide me with proof that you have done so. 

Finally, stop contacting me about this or any other matter, except via mail, email and then only to advise me that your debt collection efforts are being terminated or that you or the creditor are taking specific actions such as pursuing court actions. 


Thank you, XXXX XXXX for XXXX XXXX Date : XX/XX/XXXX Reference USPS Certified Mail : The following is in response to your XX/XX/XXXX request for delivery information on your Certified Mail/RRE item number XXXX. The delivery record shows that this item was delivered on XX/XX/XXXX at XXXX in XXXX, CA XXXX. The scanned image of the recipient information is provided below. 
Signature of Recipient : Address of Recipient : Thank you for selecting the Postal Service for your mailing needs. 
If you require additional assistance, please contact your local Post Office or postal representative. 
Sincerely, United States Postal Service

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: Experian Information Solutions Inc.
State: FL
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2015-04-25
Company: Paypal Holdings, Inc
State: MS
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I owe Billmelater/paypalcredit about {$800.00} from XXXX year. I 'm now XXXX in college and I currently work XXXX jobs. Billmelater/paypal credit closed my account and sent it into collections and I have been in contact with the new collectors, explaining my situation. Of course they 're XXXX, So i have n't been taking calls from them. I have every intention on paying what is owed, but I 'm not going to go homeless to do it. Long story short, a man left a voice mail on my phone threatening to have me arrested from my home or job. I googled the phone number and found out that he is a bill collector. He did n't even say who he was. I 'm pretty sure that is illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-12
Company: PENNYMAC LOAN SERVICES, LLC.
State: NV
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
PennyMac HUD FHA Common Law Court Order No. XXXX and XXXX It has already been adjudicated in the courts above that ex relations XXXX XXXX XXXX now appellation and nationality correction XXXX  ; XXXX XXXX XXXX XXXX on XX/XX/XXXX, and again on Your item was delivered at XXXX XXXX  on XX/XX/XXXX in XXXX XXXX, CA XXXX to XXXX. The item was signed for by XXXX XXXX. A reminder of the full amount payment to PennyMac c/o FHA/HUD and was received, via USPS proof of Delivery and service signed by postal worker. 

XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, c/o PennyMac, HUD and FHA had been notified of her application and nationality correction as of XX/XX/XXXX shortly after added her name but never sent out a new statement. I have not received any phone calls nor any letters concerning this payment matter as it was due on XX/XX/XXXX. The original payment was XX/XX/XXXX and also XX/XX/XXXX. By law 3-603 [ b ] if the tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an endorser or accommodation party as ; XXXX XXXX XXXX a XXXX  has done. Having right of recourse with respect to the obligation to which the tender relates. 

I was told by PennyMac once before back in XXXX that if i didn't make another payment they would put a mark on my credit report as unpaid and force me into foreclosure. As such USC 18USC3571, 18USC872, 18USC1001 18USC1621 forced compliance to contract not or no longer held, for they have received not only the tender of payment but also the 1099c discharge attached herein this claim. On multiple occasions someone attempted to make threats of foreclosure by way of identity theft, and i have not received any documentation nor monthly mortgage statements as of XX/XX/XXXX. 

This debt is tendered as well discharge By law 3-603 [ b ] if the tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an endorser or accommodation party as ; XXXX XXXX XXXX a XXXX  has done. Having right of recourse with respect to the obligation to which the tender relates. I was told by XXXX that if i didn't make another payment they would put a mark on my credit report as unpaid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
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:
My identity was stolen and someone applied for a student loan.

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 2016-10-21
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I had identity theft earlier this year which resulted in someone opening a XXXX utilities acct in my name in XXXX. I do n't and never have lived in XXXX and have never opened an XXXX account. I live in XXXX and have my own utilities account. I 've lived here since I was born in XXXX. I did everything XXXX said to do : Filed FTC report, Filed a police report ( XXXX ), filed credit report disputes, etc. In XXXX XXXX from the XXXX theft dept told me they would send it back to collection if I did n't file and fax them a police report, so I did. That was the final document they needed. I did that and they do n't dispute that I did it I did everything they asked of me.That was almost 3 months ago and never heard anything from them until today I got a call from a totally different collection agency ( Mercantile Adjustment Bureau ) and now XXXX is telling me they wo n't cancel it unless I get something notarized. I have spent countless hours with XXXX doing everything they said, they 've been rude, hung up on me, left messages for supervisors that never call back, I 've calied, called, called and talked with countless people. I was told once I faxed the PR that it would be behind me and it was until they sent to another collection agency. They know it was identity theft and I feel they are harassing me now. Please can someone help me with this?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: Capio Partners, LLC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the collection agency about this debt. Ask for documentation with my signature of it proving I won this debt, which they have failed to do. I tried to pay-to-delete just to resolve the issue and they could not agree to terms even after I asked to verify I own the debt. The sent an detailed copy of the charges, but not documentation with my signature on it. Have disputed with the credit reporting agencies and they can not provide how it was verified. They are also showing a past due amount

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-29
Company: Dynamic Recovery Solutions, LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a collection document from Dynamic Recovery Solutions regarding a deliquent debt with XXXX XXXX XXXX. I currently hold good standing accounts with XXXX XXXX XXXX. XXXX XXXX XXXX has confirmed with their debt recovery unit that I have no delinquent debt. The account which is listed on the document has been confirmed with XXXX XXXX XXXX as not being any that I 've ever held with them. 

I 've requested proof of the original debt from the personnel at Dynamic Recovery Solutions and was told it would take 30 - 45 days. I 've been threatened with action being taken in 2 weeks. The current owner of the debt is XXXX. According to the information I 've received from DRS, the account is as old as 2006. 

This sounds fraudulent or like a phishing scam. Please investigate and let me know what action I can take. 

Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-05
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
Complaint against Chase - servicer abuse. 
There is not one point of contact for this account. 
On XXXX XXXX, 2016 our attorney stated he spoke with XXXX XXXX ( XXXX? ) who sent a letter from XXXX, XXXX and told him she was reviewing the file and would get back to him in a couple of weeks. 
On XXXX XXXX, 2016 our Attorney was given the names of XXXX XXXX, phone # XXXX x XXXX and XXXX XXXX, phone # XXXX XXXX as the contacts to call to make arrangements to pay on a trial payment plan. We were told to call these people to go through with a trial modification before XX/XX/XXXX. 
However, a letter had been sent by me to Chase, Attention XXXX XXXX on XXXX XXXX, 2016 and again on XXXX XXXX, 2016 in XXXX, XXXX, stating that we had not requested such a plan, with a copy to the Chase office in XXXX, XXXX at XXXX XXXX XXXX. We cited the Complaint # XXXX sent to the CFPB on XXXX XXXX, 2016, which outlined our serious concerns with the terms and conditions of the proposed payment plan, and other requirements designed to waive our basic rights to due process, which were deemed unconscionable. 
On XXXX XXXX, 2016, I called XXXX XXXX who was not available so I left a message. I then called XXXX XXXX at XXXX.who also was not available, but after a holding period, XXXX XXXX came on the line. She was not familiar with the status of the account and put me on hold again to review. She came back on the line and asked if I wanted to make a payment. I told her I had questions regarding the terms, e.g. how is the payment amount determined ; what is the payment applied to ; how is the modification amount determined ; is a title search done ; are we eligible for loss mitigation, none of which she was able to answer. She gave me the following address to send a dispute : Chase ( Mail Code ( XXXX ), XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX. She told me that XXXX XXXX was not in XXXX but was in XXXX. She told me that XXXX XXXX 'could not handle everything ' because there were 'other departments involved '. She was aware that another office in XXXX, XXXX has sent other communications to us. I told her I had previously sent a dispute to both XXXX and XXXX ; she said that the department for disputes is in XXXX. XXXX XXXX thanked me for the opportunity to 'provide excellent customer service '. 
I faxed the dispute to XXXX on XXXX XXXX, which had previously been sent to XXXX XXXX and the XXXX office and the CFPB XX/XX/XXXX. XXXX

Company response to consumer: Closed with explanation