BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-14
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/XXXX, my bank charged me a {$36.00} overdraft fee due to a fee that XXXX erroneously assessed against me. XXXX forcibly took the money from my checking account then realized their error and eventually reimbursed me. 

However, the XXXX fee caused my checking account to overdraw which incurred a fee of {$36.00}. On XX/XX/XXXX, my bank charged me another {$36.00} overdraft fee. 

The XX/XX/XXXX overdraft fee was not due to any mistake or fault on my behalf and should be removed from my account. The XX/XX/XXXX overdraft fee is unexplainable and also should be removed from my account. However, my bank has refused to remove these fees.

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 2019-12-18
Company: Experian Information Solutions Inc.
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:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2021-06-15
Company: Franklin Collection Service, Inc.
State: AL
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:
Upon review of my credit report, I noticed accounts that were not valid, these accounts were not opened by me. I have disputed these accounts on all three credit bureaus, as well as with the creditor. I am providing information on these disputes. I am demanding these accounts be blocked from my credit report, due to the fact that they are not valid and/or they are not caused by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: Point Digital Finance, Inc.
State: MD
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
By letter dated XXXX XXXXXXXX XXXX, Point Digital Finance , Inc., XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX, ( XXXX ) XXXX, rejected my loan application for {$55000.00} stating that " we are unable to approve your application... for the following reason : Value or type of collateral not sufficient '' ( copy attached ) I have contacted Point by e-mail on XXXX XXXXXXXX XXXX to request a full explanation of their adverse credit decision. copy below : ******************** Gentlemen, The 7 word explanation for your adverse action rejecting my application is incomprehensible, and I request a full explanation. 

Your notice dated XXXX XXXX, 2021 said : " Value or type of collateral not sufficient '' The " type of collateral '' is a single family residence ( XXXX sq. ft on XXXX acres ) constructed in XXXX which has been in my family since construction. My late wife and I purchased this property from my parents in XXXX when they moved to their FL retirement residence. Please explain how this " type '' is " not sufficient? '' As to " value ... of collateral not sufficient '' did you do your homework of this neighborhood? My recent ( XXXX XXXXXXXX XXXX ) XXXX research indicates that this property has a median property value of nearly {$380000.00}. Other nearby similar properties are listed in XXXX with values from $ XXXX to $ XXXX. Some have less square footage than XXXX XXXX, and some have more. Note : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

As disclosed in my application documents sent via the internet to Point Digital Finance, I have a first mortgage ( 15 year term ) on this property with current balance of just over $ XXXX ; I make monthly payments of nearly {$2000.00}. Thus my equity is about {$180000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I requested an XXXX amount of {$55000.00}. So what is the " value... not sufficient '' issue? 

FYI : I am reviewing the Fair Credit Reporting Act, the Consumer Credit Protection Act, and related federal statutes and regulations to determine if I should file a red lining or similar complaint in connection with your adverse action on my application. 

XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11
Company: Franklin Collection Service, Inc.
State: LA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I would like to submit a complaint regarding Franklin Collection Services, located at XXXX, Mississippi XXXX, for reporting time-barred, obsolete unknown medical accounts ( # XXXX, XXXX, and XXXX ) on my XXXX credit report # XXXX and my XXXX credit report # XXXX. I have mailed Franklin Collection Services at least numerous letters during the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ; requesting their company cease and desist collection activities and to validate the unknown, time-barred, obsolete medical accounts/debt they are reporting on my credit report ; in accordance with the federal Fair Debt Collection Practices Act, 15 USC & 1692g, Title VIII Debt Collection Practices and Louisiana and Mississippi collection laws. Franklin Collection Service has not ceased collection activities and has not validated the unknown medical accounts/ debt in the specific guidelines set forth in the letters per the Federal Debt Collection Practices. 



Moreover, I have repeatedly asked/requested via letters I mailed to Franklin Collection Services to produce a signed contract signed by me for these unknown medical account ( s ) /debt/services, and Franklin Collection Services has not produced a contract or any of the other requested information I asked this company for to validate these unknown medical accounts/debts. In addition, the unknown medical accounts/debt are time-barred in Franklin Collection Service home state, Mississippi. Per the debt collection laws in Mississippi, Contracts, oral or written, and Promissory Notes have a statute of limitations of 3 years ( MCA 75-3-118, 75-2-725, and 15-1-49 ). Clearly, not only is Franklin Collection Services violating Mississippi state debt collection laws by attempting to collect a time-barred debt/account ( s ) but the federal debt collection laws as well, per the Fair Debt Collection Practices Act at 15 USC 1692 et seq., and which states in relevant part : " A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt, '' which includes " the false representation of the character ; or legal status of any debt, '' and " the threat to take any action that can not legally be taken, '' all of which are violations of state and federal debt collection laws, as well as fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-16
Company: The CMI Group, Inc.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
ATTN : Legal Department, This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in compliance with this section. 
I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner. 
If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation and future credit worthiness. 
To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue. 
It is my understanding that the FCRA 623 ( 8 ) ( E ) ( iii ) establishes a time-frame for these issues, and that section 621 of the FCRA supports my request in this matter. I have also requested the guidance and support of the Attorney General 's office. The items that appear on my credit report as : CREDIT MANAGEMENT Account number XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-10
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
The Consumer Protection Financial Bureau : I have been a credit card holder of XXXX XXXX XXXX ' Discover It card since XXXX. What drew me to choose and ultimately use their card is their promise of no foreign transaction fee in purchases made outside of the United States. I consider myself a well-educated consumer, closely reading specifics of any product in the enclosed marketing and card member agreement materials. 

I travelled to the XXXX of XXXX, and the XXXX in XX/XX/XXXX. As with any travel, one would want to use the convenience of credit card, especially those advertised with no foreign transaction fees. Most credit card companies that discloses foreign transaction fees ranges from 3-4 %. Discover ultimately uses the language of " no foreign transaction fees ''. Upon my return to the United States, I quickly scrutinized the transactions in my card statements to see if their advertisement, their promise, lived up to its word. The transaction took about two full months to post to my statement. While this delay was expected, what caught me was the extremely high foreign conversion rate they used. the foreign exchange rate used was anywhere from 15-20 % higher that any publicly-verifiable source. 

To get a better understanding of this matter, I spoke and wrote to the Credit Card Company on several occasions. I was told that the foreign exchange rate used the exchange rate at the time of transaction as published in XXXX or XXXX XXXX. The rates as I see, led me to ultimately believe that the foreign exchange conversion rate was : first, not accurate to what was published in the market sources, and secondly included a surcharge to those rates. 

On XX/XX/XXXX, I spoke to a supervisor at the Credit Card company and I was told that their product adheres to its no foreign transaction fee and that foreign conversion rate would be on their website. I found this conversation very appalling as it was a blatant misleading and egregious. Not only that XXXX XXXX attempted to apologize for this misleading card feature but also there is nowhere on their website or card member agreement that support this issue. This is very contrary to how transparent XXXX XXXX with their published conversion rates. The way Discover charges and converts foreign transaction fees are misleading and unfair to its clientele and ultimately to the American public.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: EQUIFAX, INC.
State: NJ
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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: I.C. System, 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: Old information reappears or never goes away

Complaint:
I tried to contact this collection agency ( I C System ) because on my credit report, it says I owe them a balance for an account that has been closed over seven years. Every time I check my credit report, the date opened section is different. Right now it says this account was opened on XX/XX/20. This is an old account thats has been disputed with the original company. When I contacted them, they purposely change the date again to the date of the dispute.

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 2015-09-30
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
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 am the family member of the person this agency is attempting to contact. They have called me more than XXXX time. They asked me to deliver a message to my family member. They have admitted that when they call me they do n't even know who I am, but they continued to call. They interrupt my work and my personal life with these calls. 

I was called more than once by the caller " XXXX '' at XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, OH XXXX have received multiple calls from XXXX which I also believe to be for the same purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: Medical Data Systems, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I contacted Medical Data Systems in the spring of 2018 about fraudulent charge on my credit report stating that i did not have any knowledge of what this is from, i also told them this was not my bill to pay, that my wallet was stolen prior to 2018. I tried to contact the original creditor XXXXXXXX XXXX XXXX about this bill owing {$100.00}. and never gotten any calls back or emails. I also have gotten this off my XXXX and XXXX report. there is also a statement in my credit file stating that i had fraudulent activity. and my wallet had been stolen

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 2022-04-30
Company: EQUIFAX, INC.
State: TN
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: Investigation took more than 30 days

Complaint:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXX and Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, and XXXX and Equifax reporting deleted information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be removed. XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: EOS Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have requested several verification documents from EOS regarding the validity of the erroneous account that is reporting to my credit report. No verification documents have been received.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: Experian Information Solutions Inc.
State: WI
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 contacted XXXX on XX/XX/XXXX via and requested that the inquire from XXXX XXXX dated XX/XX/XXXX and XX/XX/XXXX, along with XXXX XXXX dated XX/XX/XXXX be removed from my credit report. I was informed by XXXX that I needed to contact the companies directly. I informed them that these inquires took place when the freeze was removed from my account, and it was no made by me applying for XXXX XXXX card, I already have one with a 13k limited and was not looking to refinance my home, my current interest rate with XXXX XXXX is 3 % and I did not authorize either company to pull my credit report for any reason. But, I was still told to contact the companies. Due to the pandemic I had no luck with connecting with the mortgage company XXXX XXXX that could help me during this time. With XXXX card, I spoke with someone and the lady said she would send the information to the fraud/investigation department, because I only became aware of the inquire in XXXX due to the denial letter I received in the mail, I never received anything regarding the XXXX inquire. I received a letter from them stating the inquire would be removed and they would contact Experian, but it was only for the XXXX inquire, I also received a letter stating they would remove the XXXX inquire and they would only contact Experian. Please review the attached letter for XXXX and XXXX inquire.

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 2019-12-18
Company: EQUIFAX, INC.
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:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-30
Company: Experian Information Solutions Inc.
State: TN
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: Investigation took more than 30 days

Complaint:
Upon reviewing my credit file, incorrect information was found in my reports. The Experian and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, and Experian and XXXX reporting deleted information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be removed. XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}.

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 2017-04-12
Company: Municipal Collections of America Inc.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I received a notice from the XXXX dated XX/XX/2017 that I had XXXX parking tickets that I was on the pre-boot list, and to contact Municipal Collections of America XXXX Inc within 21 days to dispute the validity of debt, and that I will have the option to request a hearing. I contacted Municipal Collection of America on XX/XX/2017 and was advised that I owe tickets to the original creditor XXXX and that not only do I owe the amount placed with their office, but I must pay Municipal Collection of America their collection fee in addition to the debt placed with their office. I question if it was legal for their office to add a collection fee, and the representative advised that she could not confirm if the additional fee charge by their office is legal, and that no one in their office including management could confirm if the fee their office charged to the residence of XXXX was legal. I advised the representative that I dispute the additional fees added, and one of the tickets that I was not aware of which is a red light violation. The representative advised me to send it in writing which I sent via email on XX/XX/2017. I left a message within another department of Municipal Collection of America to dispute the validity of the debt, and requested a itemize statement that included Municipal Collection of America fees so that I can confirm if this is legal with my local Attorney General XXXX office by filing a Consumer Complaint. Today XX/XX/2017 I was contacted by Municipal collection, and received a voicemail to contact XXXX regarding this matter. 

Municipal FDCPA Violation : No Foti message left when leaving a voice message on a Generic Voicemail by XXXX 

Municipal FDCPA Violation : Upon Contacting XXXX Failed to validate identity, and to disclose the Mini Miranda during 2 point of communication contacts. 

Municipal FDCPA XXXX : Adding collections fees to debt that are not legal. 

This raises question as to how many other XXXX residents that have paid collection fees to Municipal Collections of America XXXX Inc paid by residents, and non residents. Failure to comply with the FDCPA, and I am requesting an investigation of this company for Illegal Collections Practices. 

Thank you in advance, XXXX Ph # XXXX email : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation