BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-27
Company: First Credit Services Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I had a gym membership with XXXX. They claim that after the second month of me having the membership that they couldnt collect any money from me. I had used the gym for a couple of months prior to the pandemic so if it were true that that were unable to collect any money from me they wouldnt have let me in. I have printed my financial documents to reflect the payments they pulled from my account. During the pandemic after a year of having my membership i called to cancel my membership with an agent of theirs over the phone. The withdrawal from my account stopped. Now that things are back open the gym is saying that i owe them money, but its impossible if i closed the account and dont utilize the gym. They never contacted me regarding payment or sent any letters telling me that i owe. I went to the gym to ask about it and they said that they dont have any records in their system and that i have to talk to a manager. I spoke with a manager and she told me if i renewed my membership they would make it go away. I dont see anything about this collection on my credit anywhere and i believe it is false.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: EQUIFAX, INC.
State: VA
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 check my report and these. inquiries were there without my permission please remove them

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2018-05-14
Company: FIRST HORIZON BANK
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I made a deposit into my checking account at XXXX XXXX via the ATM machine for the amount of {$120.00} to make my balance a total of XXXX to cover a payment that was going to be coming out of my account on Wednesday. The bank ended up having issues with the deposits posting to accounts via the ATM machine and my car payment was returned to as a NSF because the deposit had not been posted to the account. No one from the bank reached out to me once they knew the atm had an issue to say that they was going to be working on it or anything. I got text messages from the bank stating I had a pending credit of {$120.00} on Monday, Tuesday, and Wednesday. I logged into my account online on XX/XX/XXXX only to find out that my car payment was returned due to nsf. Which didnt many any sense to me because I made a deposit for the amount to cover the payment that was coming in. When I contacted the bank the first rep I spoke to on the phone hung up on me and the second rep didnt help at all. I asked both reps for a supervisor to be able to assist me and to help me to be able to understand why they didnt go ahead and allow my payment to be made to XXXX because they knew they had issues with the deposits. The bank went into my account and cleaned up my account making it look like I made a deposit on Thursday when I made it on Monday which was incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23
Company: FIRST HORIZON BANK
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Saw a unauthorized charge of XXXX from a overseas company XXXX XXXX and I did not not do. Checked with the bank but they said my time was up to report. Learned this week that my card was compromised at XXXX 's restaurant. How can I fix this or get my money refunded.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-16
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 fraud alerts or security freezes

Complaint:
Ive mailed request four times to all three credit bureaus to remove fraud alert because its hindering me to purchase my home Ive sent certified Mail and fraud alert still on there and I need it permanently removed

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 2021-08-27
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
Attached please find correspondence between XXXX XXXX XXXX  and XXXX/XXXX  and its representatives which is a financial partner of SunTrust/Truist. In my initial call with with a XXXX rep on XX/XX/XXXX, I created a XXXX XXXX account for credit charges in my online store.There was no mention at all of a {$750.00} cancellation fee in using their credit processing service ; thankfully, this call was witnessed in the bank on speakerphone by my Personal Banker. There is a similar statement from her this past week into their back office which is also on a recorded line. As you can see from the attached correspondence, one of the financial institutions ( referenced as an aggregate entity of XXXX/Truist as there is no recognizable domain from the consumer side ) acknowledges that I have not signed in nor used their services as evidenced on emails dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I received confirmation of cancellation on XX/XX/XXXX from XXXX XXXX Specialist Team from the XXXX domain which was yet another missed opportunity to MENTION the cancellation fee yet to be assessed. The assessment of the fee in question took place on XX/XX/XXXX, which was not granted due to a lack of funds and ALSO caused me to incur a {$38.00} overdraft fee on my XXXX  account. I had been trying to cancel service to no avail beginning in XX/XX/XXXX via email, erroneously believing that one of the representatives who opened the account on the XXXX side would reply in a timely manner ; I copied my Personal Banker at SunTrust on this request. A review of XXXX email messages and those from my local SunTrust branch will show you that XXXX did not respond - EVER to this request. Several attempts from my SunTrust/Truist branch partners to XXXX via phone and email have also not garnered any response. I believe that SunTrust/Truist may be in violation of CFPB 1030.4 ( b ) ( 3 ) ( iii ), as they find themselves in the unfortunate position of being potentially liable for committing Unfair, Deceptive, or Abusive Act or Practice ( UDAAP ) as a result of the actions of their external service providers ( XXXX XXXX, particularly those that interface directly with customers. It is my understanding from the Branch Manager that this is not the only issue they have had with XXXX as their XXXX XXXX provider ; however, I do not have that in writing.

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 2017-09-08
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
All my student loans show 90-120 days delinquent in 2013 when all of them where in deferment. They never corrected the issue and just published a personal statement that I did not authorize nor state.

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 2017-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
All my student loans show 90-120 days delinquent in 2013 when all of them where in deferment. They never corrected the issue and just published a personal statement that I did not authorize nor state.

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 2017-09-08
Company: EQUIFAX, INC.
State: CA
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:
Equifax mishandled my personal information, including SSN, in the recent data breach, which puts me and others at risk. I 'm listed as one of the potential victims according to the equifaxsecurity2017.com website, and I 'd like a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: Experian Information Solutions Inc.
State: VA
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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2017-10-18
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have contacted on multiple occasions I have a settlement for XXXX with XXXX, XXXX  and XXXX. Transworld is trying to collect on the same debt but for XXXX they are reporting on me yet they do not have my account in their office. It 's with XXXX XXXX and XXXX when ever I call they say it 's not their problem call XXXX XXXX and XXXX and that their not reporting on me which they defiantly are.Transworld refuses to speak to me or solve the problem I have done multiple disputes and gotten no where.they are reporting to XXXX and refuse to fix it and I am tired of getting the run around by it 's not my fault talk to someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA
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:
XXXX XXXX XXXX XXXX is falsely reporting to credit reporting agencies regarding my account. Services were provided on X/XX/2016, account has been and is still being paid as agreed. 

XXXX XXXX - XXXX XXXX XXXX XXXX, # XXXX, XXXX, Ga XXXX XXXX Account # 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 2017-09-08
Company: EQUIFAX, INC.
State: NC
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:
Equifax had a data breach on XX/XX/XXXX, which contained my personal, sensitive data potentially including my social security number, bank accounts, credit cards, etc. However, Equifax did not announce the data breach until XX/XX/XXXX. 

After providing the necessary information in their website www.equifaxsecurity2017.com, it was confirmed that my data was impacted by the data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2017-09-08
Company: R.A.Rogers, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received correspondence from R A Rogers stating I owed a balance to them. I have sent a letter to XXXX XXXX XXXX XXXX a request for validation as well as a contract of a signed contract with them and they have not provided either. Then I was threatened by someone whom identified themselves as a lawyer of a lawsuit. I have not entered into any contractual obligation with them so how can they report a date opened, date closed, account number, date of status, as well as status.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: Collection Bureau of Fort Walton Beach, Inc
State: FL
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 sent letters to this company on a couple of occasions. Asking them to validate this collection debt they are stating I owe. The most recent letter was sent to them on XX/XX/2021 and they have yet to respond. The last letter I received from them stated that they were not going to dispute because my letter was frivolous to them. I have been asking them to validate this collection debt by asking them a series of questions. Like proof they own debt, proof that have a right to collect in Florida-my state, proof of bond, how were fees determined, how much did they pay for debt? etc etc. 

They have blatantly disrespected me, my request and violated my rights under the fdcpa and hippa laws. I have health insurance and how they are saying I owe this debt is baffling to me. I need to see proof that I had this service, what services I am being charged for and what the cost of each service I am being charged for because this company is ruining my credit reputation. 

Furthermore, This Collection Agency did NOT provide me a HIPPA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am getting ready to find me a lawyer to see what I can do legally. Should this item not be deleted within the required time allowed by law. 

These are the dates I sent collection company letters : XX/XX/2021 XX/XX/2021 Respectfully Yours,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Portfolio Recovery Associates has repeatedly attempted to collect the wrong amount of accounts prior with XXXX XXXX. I have no contract with PRA. These were secured accounts and deposit adjustments are not being reported. Furthermore, these accounts are not active revolving credit accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: MOHELA
State: CA
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:
IVE NEVER HAD A STUDENT LOAN AND THIS IS CURRENTLY REPORTING ON MY CREDIT FILE WITH 6 DIFFERENT INDIVIDUAL LOAN 'S ON MY XXXX, XXXX AND XXXX CREDIT REPORTING FILE ACCT NUMBER XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a balance with 0 % APR that expires XXXX. The same card has a balance at 10.24 % APR. On XXXX I contacted Bank of America to inquire as to how they would apply extra payments I sent. They informed me that they would apply the minimum payments to the 0 % balance but that any additional payments would be applied to the higher balance. I told them that my understanding was that in the last two billing cycles of a promotional rate, they were required to apply my additional payments to the promotional balance. They insisted that they had no idea what I was talking about. I spoke to a representative and the floor supervisor. They had never heard of the law that governed how they applied my payments or the requirements for how promotional balances were treated. They told me they would apply the payments as listed in my statement : minimum to the 0 % balance then any additional to the higher APR.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: Experian Information Solutions Inc.
State: MD
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 took a mortgage loan from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX. md XXXX, phone XXXX XXXX XXXX on XXXX. 
XXXX, the house was foreclosed and sold in public and the credit union took over the property. 
Now the credit union reported to the three credit bureaus a foreclosed date of XXXX which was wrong and secondly they put a balance of {$67000.00} due to be paid by me why in actuality, the account was charged off. I had disputed this several times, with the credit bureau and results came back unchanged. 
This had resulted in my inability to secure a mortgage loan for a new house or reasonable loans to do business. 
I had contacted XXXX XXXX several times to correct this information but to no avail. Please mediate in this matter.

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