BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-03
Company: CL Holdings LLC
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been working diligently with CFPB and creditors regarding removing erroneous credit information on my XXXX  report. After working with the CFPB and the creditors directly, it was determined that the following items would be removed from my XXXX  and Equifax report. To date the following that was agreed to remove are still showing months later have resolution was rendered. I'm asking again, to have the following items removed from my XXXX  and Equifax Report : XXXX XXXX 60 day late payment removed from XX/XX/2013, XXXX XXXX 30 day late payment should be removed as creditor agreed that, this account should not have any late payments reported and deemed incorrectly reporting on my credit report. XXXX Bank Case # XXXX removed as it was determined that, the ( 2 ) accounts negatively reporting should be removed as no record was found. I'm requesting that these items be removed immediately from my report as this has cause a great hardship on me personally.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Certified mail was sent to TRANSUNION, And XXXX last year on XX/XX/2021, and also multiple times throughout the year of 2021. I obtained my credit report from Transunion, and XXXX and there were U.S. Bankrupcty Court listed. For the FCRA 623 ( a ) ( 5 ) : If Transunion, or XXXX can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said Information from consumer credit file. 
Ive requested the companies Transunion, And XXXX to validate the public Bankruptcy reporting on my credit reports. In response to my letter the companies mentioned to have verified the bankruptcy through the United States Bankruptcy Court. In which I decided to contact the United States Bankruptcy court, in writing asking them to verify that, theyre the ones sharing the public information with credit BUREAUs TransUnion and XXXX. In response to my letter, The county Recorder of Deeds and Bankrupcty Courts have both mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, and/or other third parties providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U.S. Court system due to Fair Credit Reporting Agency PRIVACY LAW. 
Transunion An Executive ( XXXX XXXX ) XXXX Worker are refusing to investigate this issue. Delete the public record, and update credit report.

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 2022-04-12
Company: EQUIFAX, INC.
State: IL
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 Reporting act XXXX XXXX XXXX accountNumber XXXX has violated my rights. 

Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX XXXX U.S. 1681 section 602 A. States I have a right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer reportingagency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: ENCORE CAPITAL GROUP INC.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XX/XX/2020 at XXXX XXXX, I answered a call that showed up as " Restricted '' on my cell phone. The person who called asked for " XXXX. '' I said I was XXXX, and he transferred me to another line. The person asked if I was XXXX. I said yes. At no time did he ask for my last name. After repeated requests for identification, he identified himself as " XXXX XXXX '' ( unsure of spelling XXXX from Midland Credit Management. He stated that there was a pending lawsuit against me regarding some XXXX credit card debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-03
Company: EQUIFAX, INC.
State: NH
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 had XXXX student loans initially from XXXX. I graduated school in XX/XX/XXXX, and consolidated them in an effort to get into the PSLF program. The loans were accepted by XXXX and I was approved for the PSLF program in XX/XX/XXXX. The loan was transferred in XX/XX/XXXX, and I received a paid in full letter from XXXX. XXXX last reported my balance to the credit bureaus in XXXX of XXXX, so its still showing my full balance. They have not reported on my debt since then. Additionally, XXXX has consistently reported my balance correctly since they took over my loans and I began on the PSLF program. I have called XXXX numerous times asking if I still owe them a balance because the total balance is still showing on my credit- despite the paid in full letter. They tell me every time that I do not owe anything, but will not report the debt as {$0.00}. Essentially it looks like I owe the debt twice on my credit report. I have called and sent letters consisting of documentation including my credit reports with letters explaining my position to XXXX and they refuse to mark the debt to {$0.00} and report it to the credit bureaus. I have contacted XXXX and they assure me everything is fine on their end and I can see where theyve been reporting the debt correctly- so I believe the issue is on XXXX. I have filed numerous disputes and cited that the debt is being recorded incorrectly and is paid in full, but Ive had no luck with this. Now, XXXX is telling me that the department of education changed the federal credit reporting laws, and that this should remain on my credit. That makes no sense to me, as it looks like I owe double the debt that I owe. They're telling me it should resolve itself as soon as the XXXX begins reporting on it - it has not. XXXX has been reporting on this debt since XX/XX/XXXX, and the XXXX loans are still showing as open and with a balance on my credit report. This is hindering me from moving forward in my life and purchasing my first home. It's unfair that this debt is appearing double when I only owe it once. XXXX has done nothing but pass the buck when it comes to their reporting measures and tell me that they can not help me- when they're the ones reporting the debt on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
In XX/XX/2018 I approached TD Bank for a refinance loan, the cost was {$7000.00}, upon closing, there was an additional {$20000.00} ask for on that day. 

The manager collected the funds from my account. 

In order to get this loan, I was told to get another address after they came to value the house twice. 

Upon closing the documents could not be had for months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: Spring Oaks Capital, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Spring Oaks capital has continued to harass me with countless collections. I added any collection to XXXX this collection is from XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20
Company: The J. G. Wentworth Company
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The lender has failed to respond to our QWR and  Notice of error request sent on XXXX/XXXX/XXXX and are proceeding to sale set for XXXX/XXXX/XXXX - the lender is in violation of regulation X-12 USC 2605 ( e ) ( 1 ) and the clients right to counsel. Department has not completed request and have not given any details as to completion. lender further has further refused to accept the additional documents requested by client because of error of fax that seems to be on their end. Please consider this correspondence to be formal notice that our mutual client is hereby appealing the denial of loan modification because your company failed to provide the required notice of additional required documents within five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore this client 's application was entitled to be treated as facially complete pursuant to Regulation X, 12 C.F.R. 1024.41 ( c ) ( iv ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Experian Information Solutions Inc.
State: PA
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:
In regards to XXXX XXXX account number XXXX I have filed complaints with XXXX, Experian and XXXX. About the account. On XX/XX/2022 all 3 places came back telling me the information will remain on my credit report and will not be change citing that they are all reporting it accurately. This however is in fact a lie and is being falsely reported on my Credit profile. I have attached here to a copy of the final payment along with details of when XXXX cashed the payment. The date is listed as XX/XX/2022, a month before they sent back findings that they are reporting correctly and there is a balance owed. All 3 of the mentioned clearly did not do an actual investigation or provide accurate findings. They simply reply ex that it was correct just to close out the complaint so they didnt need to be bother with it

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
SYNCHRONY BANK - Synchrony financial care credit Contacted Synchrony bank to make payment on credit card bc I lost credit card. Company charged me late fees and interest when I can not even login to account using credit card number. 
Company proceeded to charge me more late fees and interest on charges which I could not view online or make payment towards. 
Violating customer rights to view bill before making payment. 
Asked collections service manager to remove late fees and interest to no avail XX/XX/2019. 
Still can not login using account number to view transactions. Fraudulent practices by company costing customers money when they can not even login online to view profile and associated charges.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I DO NOT HAVE A LOAN EVER WITH  XXXX   XXXX  #  XXXX  THIS DOES NOT BELONG TO ME

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed dispute on items on my credit report again on XXXX to XXXX, transunion, and XXXX stating these items are inaccurate, unverifiable, and questionable. I ask for original contract with my signature on it which has not been sent so it means this account is unverifiable but have on my file that it is.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
XXXX XXXX has reported a business account to my personal credit bureaus. 

This was for a business and not my personal account. XXXX XXXX has refused to remove the account from my personal CBR. Also, the representative informed me the account has been sold to nationwide credit. Previously I was informed the account was not going to be sold, however today I was told it was sold. I requested 4 months worth of statements from 2016, they said they would send them to me but never did. I asked for these documents dozens of times. 

XXXX XXXX hasnt sold the account to any agency. However I was told it was by XXXX with XXXX XXXX. Her ID XXXX. They have lied to me over and over again. I confirmed with the collection agency was it sold. 





XXXX XXXX XXXX XXXX XXXX pa, 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 2020-12-20
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
According to Fair Credit Reporting Act, credit reporting companies have 30 days to investigate credit file disputes by consumers. Experian has had more than 60 days. I sent in a dispute letter to Experian dated XX/XX/2020 for this item and other collection items on my credit report and its been over 60 days and Experian has not responded to my disputes on most of them. This one, however, Experian did respond stating this XXXX, XXXX, {$2500.00} medical bill has been removed. Yet, it remains on my credit report. Please have Experian permanently removed from my credit files, immediately as it has seriously hampered my ability to acquire credit to better take care of my family. Being a XXXX military veteran only adds to my challenges in fixing my credit!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06
Company: EQUIFAX, 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27
Company: WELLS FARGO & COMPANY
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:
XXXX  has been non-compliant with removing the unverified account WELLS FARGO DLR SVC/ Date opened XX/XX/2012 which has been deleted by XXXX and XXXX . XXXX and XXXX have both completed their research and determined that WELLS FARGO DLR SVC/ was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

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 2019-11-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I drew an advance of {$2900.00} from my HELOC that I have with Wells Fargo. I have auto pay with Wells Fargo and a scheduled payment of {$100.00} was taken from my XXXX checking act on XX/XX/XXXX. On XX/XX/XXXX I entered the XXXX XXXX, CA branch and paid {$2800.00} to pay off the advance. Since that time, various transactions have been posted to this account. On XX/XX/XXXX there is a principal adj debit in the amount of {$170.00} followed by a principal reversal in the amount of {$91.00} ; on XX/XX/XXXX an interest reversal in the amount of XXXX ; on XX/XX/XXXX there is an interest adj debit for {$0.00} ; a principal reversal of {$100.00} ; an interest payment that they automatically took from my XXXX checking account in the amount of {$8.00} ; an interest adjustment XXXX credit ) of {$0.00} ; and a principal payment in the amount of {$91.00} from my XXXX checking account. On XX/XX/XXXX they took additional payments from XXXX checking account totaling {$100.00}. On XX/XX/XXXX there are two more adjustments ( credit ) in the amount of {$1.00}, which makes no sense. I have requested my money to be returned to no avail. 
They have continued to take payments from my checking account despite the fact that this loan was repaid in full.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31
Company: JPMORGAN CHASE & CO.
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: Credit inquiries on your report that you don't recognize

Complaint:
This company kept on calling my phone line ( automated ) saying this is not to collect payment but is to lower my interest. And that they have been trying to reach me to lower my interest rate. I do n't have a credit card but XXXX  credit card. This company has been calling me using so many different numbers that i kept blocking. This is the last number they called me on today XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE
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:
Inquiring, didnt apply for this card, this bank indicated that they had a problem with me before. If they had a problem before, please erase the problem, again I didnt apply for this card. Please remove this off of my credit and what ever the bank is saying about me please remove the problem off my name and your data.

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 2019-07-19
Company: Frost-Arnett Company
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have been receiving calls from Frost - Arnett. At the beginning of the call they advise that the call may be monitored or recorded. They ask if I am ____ ____, I say yes you are speaking with _____ _____. I then ask them what this is about. They then say they are a financial company calling me about a financial matter. They then tell me I will have to verify my date of birth and social security number before continuing to disclose the reason for the call. I advise that I do not release this information over the phone, and I do not believe I have any financial dealings with them. 

I further ask the name of there company, and who I am speaking with, as this was not provided at the beginning of the call. I was given the name of the company Frost - Arnett, and first name only of the person calling. 

I then further ask them if they are a debt collector, and are they attempting to collect a debt. The representative tells me they will not disclose the matter until I further verify myself. 
1. I have not received any notices from the company 2. I thought they had to disclose this as an attempt to collect a debt upon the person stating that they were speaking with the person they were calling.

3. I had a difficult time to reach a manager to voice my concerns regarding their practices. 
4. I advise them that they must disclose the reason for the call, and they failed to do so. 
5. Therefore, I requested no further communication from them, and that they dissolve any debt that they think that I may owe them, as they will not provide me any information. 
Is there any further action I can take against these deceptive practices? 

Thanks, Concerned Consumer

Company response to consumer: Closed with explanation