BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-24
Company: EQUIFAX, INC.
State: SC
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:
XX/XX/2021, Equifax. I have attached my most resent consumer credit report. I have disputed the account named XXXX XXXX XXXX  XXXX twice with Equifax. It has come back as verified. The fair credit report act 15 U.S code 1681 states that a consumer credit report must be accurate. There are two inaccuracies that I have noticed. First this is a charge off account that shows a BALANCE of {$100.00} dollars. A CHARGE OFF ACCOUNT MUST SHOW AS A ZERO BALANCE. Second inaccuracy is this account is not leaked to any address that I have used in the past. Delete this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. 


In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, and XXXX Account # 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

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 2015-06-15
Company: U.S. BANCORP
State: KY
Product: Credit card
Issue: Rewards

Complaint:
USBank closed my XXXX credit card without warning. On talking to a USBank representative, they informed me that card closures for any reason meant that any rewards points ( already earned or pending ) in my account were forfeit. Prior to this, I received an email from USBank targeting me for extra points for spending more money in the holiday season. Also, their own literature touts spending {$10.00} 's of thousands of dollars in order to get the annual fee waived, yet another inducement to spend more money on their card. For the record, I had made only XXXX purchases in the month, had not exceeded my credit limit, nor had any late payments. 
I believe their marketing and policies to be unfair as it deceptively encourages consumers to spend to earn rewards points and that any and all points may be seized at USBank 's whims. Since USBank refuses to allow me to redeem the points that I earned according to their own terms & conditions and I was recently made aware of the CFPB, I am writing to seek relief.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello to everyone. Someone widrowed money from my account, and trying to resolve the problem, but they Declined for lnonreason .please gelo mento resolve the issue

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 2015-09-29
Company: SUNTRUST BANKS, INC.
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
My mortgage lender did n't include any PMI on any of my good faith estimates or HUD documents until he showed up at closing. We had just sold our house that morning and wired the money to buy our new place. When I was handed the contract while we sat across the table from the seller was the first moment I noticed the payments were so much higher. I asked about why it was higher and was told that the payments went up because the home insurance and taxes had been underestimated. I still did n't see it adding up but felt forced to sign because at that point, we had no where to move back to, our old home had sold already. It was n't until I had time to compare all our old estimates did I see that PMI was never included in the good faith, HUD, or even final documents emailed the day of signing. The first time the PMI was added was at closing. I did not know it would be required to get the loan and was relying on the lender to disclose everything to me so I would know what I was getting into. Now my payments are almost % XXXX higher than any of my quotes.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-23
Company: SN SERVICING CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
For the past 2 years I have tried to obtain a loan modification from SN Servicing. The single point of contact in charge of my file has done everything he can to stand in the way of allowing me to get this done. I am a self-employed caregiver and I do not have pay stubs so I have submitted a profit and loss statement and bank statements to support the profit and loss statements. My tax return did not support my income claim because of the number of write-offs I was claiming. This year I had my accountant reflect my complete income that I make on my tax return, without any write-offs and have submitted the file again with my bank statements and a letter detailing every deposit that was from my income in my bank account. In the past XXXX XXXX has accused me about lying about my income because he said the documents did not support the income. I take care of an old lady in her home, I am not a sophisticated business owner, and I must confess that I did not keep my books very well in the past. I would sometimes cash my pay check and pay some of my bills before depositing the full amount in the bank account but after being denied for this reason, I have kept detailed account of all my earnings and my accountant can vouch for this fact. However, XXXX XXXX advised me on the phone ( laughing and in an extremely sarcastic manner ) that SN Servicing would not even consider looking at my file again because of the denials in the past. People 's circumstances change, a ) I have paid off my car and no longer have that payment, b ) I deposit all my checks into my bank account to show my income, and c ) my XXXX lien has worked with me to lower that payment and make it more affordable. I would like to have XXXX XXXX removed as my single point of contact and have an impartial person put in his place to look at my file. At this point I think he has a personal vendetta against me and from the way he speaks on the phone to the third party handling my file, it seems like he would like to see me loose my home. I have worked very hard to purchase that home and I will not let that happen because of one mean spirited employee at a bank who thinks because of his position, he gets to call all the shots. I am attaching the recent package that was sent to SN Servicing for your information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24
Company: Synovus Bank
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have submitted a Cease & desist to this company to cease reporting because this account is not mine this account along with another account were opened the same month and deemed as fraud. As a result in the account being fraudulent the company has closed the account how ever they have the account still on my credit report, It has been over 3 months with no resolve .This is a direct violation of The FDCPA pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) I have sent my last letter before my next step of litigation and seeking damages for emotional distress and defamation of character I have attached all required items of an identity theft report and the FTC is a law enforcement agency as per their website. I have also sent certified mail and the company has 4 days to delete upon recieval the certified mail tracking is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24
Company: ENCORE CAPITAL GROUP INC.
State: AZ
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:
XXXX ai received notification from Midland Credit Management that they were going to sue me if I didn't set up a payment plan by XX/XX/XXXX for a debt from XXXX. I requested debt validation and they were unable to validate all sections I requested including license number and proof of contract for this debt. They responded with a letter marked XX/XX/XXXX that was received XX/XX/XXXX as a bill rather than a validation. They had marked the original letter received XX/XX/XXXX as XX/XX/XXXX but it was actually sent XX/XX/XXXX. The letter received XX/XX/XXXX was not dated on the envelope.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
The Bankruptcy isn't mine. Please remove it among the other 2 accounts. Thank you.

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 2021-02-05
Company: FIRST HORIZON BANK
State: SC
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 identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I enrolled in Forbearance plan with the loan servicer below, and they reported it to credit agency as account under Forbearance. They denied me credit, so I couldnt close on my house. I need help to get this removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX & 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 2020-04-15
Company: Resurgent Capital Services L.P.
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: Information belongs to someone else

Complaint:
Sent a certified letter on XX/XX/20 for a account that is not mine. I asked that they send me original documentation binding me to this debt but have not got a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25
Company: SUNTRUST BANKS, INC.
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My home has been recommended for foreclosure and is scheduled to be sold at auction on XXXX XXXX. Throughout this process, I have been working with : XXXX XXXX XXXX Preservation Client RepresentativeNMLSR : XXXX last spoke with her on Monday, XXXX XXXX. I informed her that we had listed our home for a short sale and expected to have an offer shortly. I was calling her as a courtesy so that SunTrust would be prepared for our offer packet to arrive. At that time, she told me that an offer packet would be considered only if it was received before XXXX XXXX, 2015. 

As of this afternoon, we now have the offer in hand and a compete package for submission to SunTrust. I called XXXX XXXX office to inform her of this fact and to enquire as to the reason that our attorney had been unable to receive a response from you. XXXX XXXX was not available to speak to me so I was connected with an alternate agent. After I informed this agent that we would be submitting an offer today, she told me that we could not submit an offer for review because we were less than 15 days from the auction date. When I pointed out that, as of my conversation with XXXX XXXX on XXXX XXXX, no 15 day requirement had ever been communicated to me, I was transferred to a XXXX agent. This XXXX agent told me that I can submit the offer packet but that SunTrust would not guarantee it would be reviewed or the auction cancelled as we were within the 15 day window of the auction. 

We will be submitting the auction package to SunTrust today. I want to escalate this matter for your full consideration with regard to reviewing the packet and stopping the auction while approval of the short sale is pending. The offer packet is correct and complete. Additionally, the requirement for receipt at least 15 days has never been communicated to me, in spite of the fact that I have been communicative and responsive to XXXX XXXX information needs over that last eight months. More so, the letter from XXXX XXXX for the sale at auction ( XXXX XXXX XXXX XXXX ) did not mail us the notification that our home was scheduled for auction until XXXX XXXX. It was done via registered mail so you will have a record of when I received it. Regardless, it was revised less than 15 days before the XXXX XXXX date. 

As we have a complete and correct offer in hand, the 15 day requirement was never communicated to us and the notice of the sale was received less than 15 days before the auction date, I respectfully request that SunTrust agree to review our offer package.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
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: Account information incorrect

Complaint:
On XXXX at XXXX and XXXX Pacific time ; I was on a two way conversation with XXXX XXXX executive officer mister XXXX ; to resolve my Consumer protection complaint/credit dispute regarding the incorrect information placed on my credit report. I asked mister XXXX where did the balance from because, Prior to moving the city government disbursed approximately four different payments to XXXX XXXX. 
Mister XXXX stated I have not paid the bill in approximately four years and that is why the balance is so high. I replied, that is untrue sir .... For the record, the incorrect balance reflecting is {$6000.00} The account number in question was XXXX and the service address was XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NY XXXX. To make a long story short ... .. 

Mr. XXXX stated on a recorded conversation ( which I have saved in my email ) that if I can prove one payment he will RIGHT the WRONG and remove it from my credit report. I begun digging deep into my archived paperwork, and was blessed to find a payment the government made of approximately {$400.00} dollar..

And a running balance sheet which also showed many payments. XXXX  XXXX  have been doctoring and fraudulently creating running balance statements and bills which have never been sent to us customers. Moreover, mr. XXXX reneged, and went against his word.

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 2016-10-27
Company: LTD Financial Services, L.P.
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
i XXXX l XXXX am desputing the responce machol johannes submitted to you on my complaint to you case no XXXX i recieved a letter from on XX/XX/XXXX XXXX they claim on the letter that the attorney 's on this case have reviewed and investigated MS.Trujillo 's comlaint and allegations.there are wrong, this are not allegations, this are facts, that iam asking for 3 monthes to tell me what this judgment is about, a loan, acard, acar loan, give me the proof, and we can start negotiateing or working something out and get this problem taken care of. before i loose my house, they just say you have a judgment against you and you us {$6.00} or XXXX, no body will tell me or give me proof its mine instead of all this sneeky stuff.it says here in this letter they reviewed my claims, i do n't have any claims, they reviewed my file, unless iam wrong the only thing on the file is, you have a judgment, filed filed in XX/XX/XXXX, and XXXX they reviewed the complaint eith there client, thats another thing i do n't know who the client is because i talked to advantage XXXX times yhey told me they no longer involved in the case,, then they claim they send a copy of judgment on XX/XX/XXXX, i do not know any thing about that.then it says the return of service is not currently available. something wrong there/and then something about the consumer was sub served.XXXX accepted service XXXX XX/XX/XXXX, i do n't know where they got XXXX from, and thenthe sommons and complaint were mailed on XX/XX/XXXX. the first yime i heard about this judgment was about XX/XX/XXXX, and what i know i about this is nothing,? the next it says that i filed a motion to set aside judgment, they used that excuse to have another hearing on XX/XX/XXXX. then it states we invite ms.tocontact us but when to talk they did n't have all the info. E.T XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Transunion fails to remove the XXXX XXXX XXXX account. Transunion reports incorrectly that XXXX XXXX XXXX is the owner of this account. Transunion reports incorrectly that this account has a balance {$7700.00}. Transunion reports incorrectly that this account is paid monthly. Transunion reports incorrectly this account 's date of first delinquency. Transunion continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.

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 2021-02-05
Company: Capstone Credit & Collection, LLC.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Recieved letter from Capstone Credit & Collections, LLC XX/XX/XXXX stating a client of theirs, XXXX XXXX XXXX XXXX XXXX, has extended me a settlement offer on a debt placed in collection with their office. Immediately took action to review my credit reports in search of said collection, as i had no such contract with referenced creditor and letter was addressed to me with different last name. To my disbelief, this collection has been on my credit since XXXX in the amount of XXXX for a debt i had not incurred. In immediately trying to dispute the inaccuracy with all reporting credit bureaus, all had come back with a decision that it met all Fair Reporting Act requirements and was to remain on my credit. I then turned to research said creditor to obtain any documents or proof that collection exists. What I have found out is that XXXX XXXX XXXX XXXX XXXX doesn't exist. 
XXXX XXXX XXXX which consists of two adjacent communities that were previously known as XXXX XXXX and XXXX XXXX XXXX  sold to XXXX XXXX  XXXX XXXX in a deal that closed XXXX XXXX, XXXX. The seller was a partnership of Tampa-based XXXX XXXX XXXX XXXX and XXXX XXXX XXXX of XXXX XXXX, and that the current owners/management company, XXXX XXXX XXXX  XXXX, has no knowledge or records of my supposed debt and can not find my name anywhere in the system. Needless to say I am beyond angry at this point, and proceed to contact Capstone Credit & Collections, LLC to rectify the innacuracy they are reporting. XXXX XXXX proceeds to tell me that i am in collections for an eviction per the records of the county and that its perfectly legal to continue with trying collect on said debt, as well as reporting with the credit bureaus and hangs up on me. I HAVE GOTTEN NOWHERE FURTHER WITH RECTIFYING THE SITUATION OR DELETING INACCURACY ON MY CRESIT AS XXXX KNOWS I HAVE TRIED EVERYTHING AND ANYTHING POSSIBLE TO CLEAR THIS UP. Please advise me of the next possible step in trying to clear this issue as your agency is designated to handle such affairs. THANK YOU AND HAVE A WONDERFUL DAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-27
Company: TRANSWORLD SYSTEMS INC
State: WY
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt was paid in full with original debtor. After it was understood by all parties that the debt was clear I continued to receive letters to collect the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
They never responded to my previous dispute of debt, but now are mailing letters which clearly show the original creditor and current creditor ( i.e. a debt being collected ) without having to open the mail. I was severely embarrassed about this and called. After XXXX calls totaling over 1 hour of time, I was told to do what I had to do as they were n't willing to stop their illegal tactics,

Company response to consumer: Closed with explanation