BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-19
Company: Overton, Russell, Doerr and Donovan, LLP
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
Please be advised that the options above do not describe the issue at hand. We are trying to clear title for property at  XXXX   XXXX   XXXX ,  XXXX  NY  XXXX .  XXXX   XXXX   XXXX   XXXX  holds a lien on the property that we would like to negotiate a settlement for and obtain a release of lien. We have written to their attorney, Overton , Russell , Doerr and Donovan , LLP and the letter was sent on   XXXX  . They have not responded. Today I called their office to confirm that they have received the letter. The receptionist was being very difficult and would not give me any information. She kept stating that they could not give me any information on the account. I acknowledged that I understood that and wanted to speak to an attorney there to discuss. She would not pass me through to anyone, would not give me a fax number to resend my letter, and kept stating she would not help since I did not have the debtor 's authorization. I again acknowledged that we were not asking for any privacy or debtor info, and that debtor no longer owns the property and I have authorization by the new owner. She did not care and kept telling me they would not give me any information. She would not listen to what I was saying and would not pass me on to anyone else in the office to discuss the matter with. I am uploading our original request that described the issue in detail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-04-20
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against??? for reporting credit information to the credit reporting agencies that was a result of Identity Theft I 've asked in my letter that the negative reporting ceases and the information be removed from my credit report.     I want the negative credit reporting to cease and for the collection account to be deleted from my 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 explanation
Consumer complaint received 2017-04-19
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
XXXX   XXXX  out of North Carolina is trying to collect on a debt that they state was charged off by  HSBC Card Services Inc    XXXX   XXXX     I moved from  XXXX  to  XXXX    XXXX   XXXX  . They have no legal right to threaten me with a law suit based on   XXXX   XXXX   six year Statute of limitation regardless of the type of debt. And  XXXX  has a statute of  four  years for all debts. I received the same letter from this law firm in  XXXX . And yet they are threatening me with a lawsuit and trying to intimidate me with a law suit. They are breaking laws and being a law firm they know this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-14
Company: General Motors Financial Company, Inc.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XX/XX/2018 GM Financial Incorrect Balance- {$720.00} This company is reporting an inaccurate balance. 
I recently disputed this account with the credit reporting bureaus, and the information was reported as verified and accurate. Unfortunately, credit bureaus often use software that does not complete thorough investigations. 

I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 : The above referenced account ( s ) are unverified accounts. The account balance is being reported inaccurately. This account is showing negatively on my credit reports. The above account have adversely impacted my credit. I am requesting for this company to update information on my credit file as paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12
Company: KELLER,GRIMALDI AND ASSOCIATES
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Started receiving calls yesterday from  XXXX . The person calling said his name was  XXXX   XXXX  and was with the litigation department at  XXXX   XXXX   (   XXXX  ) and  XXXX . Said a claim was filed against me in  XXXX   XXXX  and that I could call back to make retribution out of court. He called again today and provided the birthdate of   XXXX   XXXX   XXXX   which is not my birthdate. He said that I was the sole defendant and today was the final notice. It  may  be a scam or they have the wrong person.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18
Company: ERC
State: NC
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:
I have sent multiple letters  to ENHANCED RECOVERY CORP in  regard to an collection on my account some letter have come back address not valid. by law if they have not sent any information to validate my debt then it should. be removed. I have no knowledge of this account nor do I have an actual contract with this company..       Under the Fair Credit Reportin g Act, 15 U.S.C. 1681g I have the ri ght to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please do n't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under  Section 611 ( a ) ( 5 ) ( A ) ( i ).  By publishing these inaccurate and unverified items on my credit report and distributing them t o 3rd pa rties yo  u are damaging my reputation and credit worthiness.
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have   on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.   has an consumer I have the right to dispute any information on my credit report that In fact think is not valid at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I submitted a letter to Equifax, XXXX, and XXXX on XX/XX/2021 to update my personal information and remove the inaccurate. The information has not updated and I haven't received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Wells Fargo is back at its old habits soaking its customer with fees. For a new checking account I got, Wells Fargo has not provided me a debit card yet. As such, I had no way to access my money. I went into the Wells Fargo branch and they gouged me {$6.00} for 6 checks to be able to pay bills and access my money. When I called, they told me that they do this to all accountholders - even if they have not been provided with another way to access the money. You can withdraw cash but must pay for a money order to pay a bill. I spoke with XXXX XXXX in the executive office who also did not assist with a resolution in the immediate herself.

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 2017-04-17
Company: WELLS FARGO & COMPANY
State: SD
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
While at   XXXX   XXXX   XXXX   a student loan I had received from  Wells Fargo went into rep ayment. This would have been in  XXXX , I found out about this in   XXXX   when access to cellphones was authorized. As a result, negative reporting was made to the credit bureaus. Because my  credit score is so young, this reporting dropped my credit score o ver  XXXX  points. It should be noted that immediately upon return home, a payment was made in excess to what was required.   There 's  XXXX  areas of question : I was under military orders during the time of repayment and had no prior indication this loan would go into repayment during that period.    XXXX , the loan should not have gone into repayment during that period. I graduated   XXXX   XXXX   XXXX     with a  XXXX  year  XXXX . in Physics. According to the loan request/credit agreement I signed with  Wells Fargo, the repayment period starts immediately after the interim period which is defined by : " a ) 6 months after I cease to be enrolled at school, unless I re-enroll in another school eligible under Title IV of the Higher Education Act or another eligible school approved by you within that 6 month period ; or b ) 4 years   after the date of my first disbursement if I am enrolled in a two-year program of study ; or c ) 7 years after the date of my first disbursement if I am enrolled in a four-year program of study. '' According to this article, my loan should   have never have been in repayment, because I would have 6 months of interim from my graduation date. All of my federal student loans followed this.
Wells Fargo states the because the type of loan I received is for " career and community coll  eges '', this puts the repayment status as on for a  XXXX  year program. However, this is not what the agreement I signed says.   In summary, I received negative reporting on my credit report from a private student loan with  Wells Fargo, while on   XXXX   XXXX  , during a repayment period which should have been an interim period as stated by the loan agreement. I feel that Wells Fargo is practicing unfair lending, and doing anything to protect themselves from having acted wrongfully.I have no problems repaying the loan, the only action I wish to accomplish is the negative reporting taken off my credit report. I 'm not able to effectively manage my finances before my next report date due to this significant drop in my credit score. I am able to provided as much documentation as needed to support my case.

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 2017-04-18
Company: USCB Corporation
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
i just saw the debt pull up no inquiry i am unaware of  XXXX  college or the collection agency i filed a theft report this is not my debt

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 2022-04-28
Company: Experian Information Solutions Inc.
State: NJ
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:
On XXXX, XXXX, I XXXX XXXX, together with my wife, run our credit report to know how was our credit in order for us to get apply for a house, after we pulled our credit report and went over it, I discovered some unknown accounts on mine and also on hers, including some personal information that were not related to me and/or my wife, in this case I am only going to talk about myself. My credit report was with multiple accounts that did not belong to me. Asking for some help here and there, on XX/XX/XXXX, I submitted my first dispute some items were remove, on XX/XX/XXXX, I submitted my second dispute, some other items were remove but also received correspondences from the credit bureaus requesting for a Police Report in order for them to remove the other accounts, so, on XX/XX/XXXX, my wife and I went to filed an XXXX XXXX Police report just as the bureaus requested and on XX/XX/XXXX, I submitted my first dispute with the Police Report included, this time I had better results, XXXX and XXXX removed all the accounts remaining that were not mine, unfortunately, as of today 's date, Experian has been refuse to remove multiple accounts from my report ( accounts listed on my Affidavit of Identity Theft ), I really do not know what else to do, I did all the necessary to remove those accounts, I am expecting to have some results after doing my complaint here at CFPB, I am attaching the most recent dispute package that I submitted to EXPERIAN, and as of today they have not remove the accounts that 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 non-monetary relief
Consumer complaint received 2019-12-14
Company: Paypal Holdings, Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was contacted by mail by a collection agency on XX/XX/XXXX about a debt they were attempting to collect of behalf of PayPal , Inc . The debt was in the amount of {$700.00}. After confirming with PayPal that my account had a XXXX balance, I contacted the collection agency and informed them that it was a result of fraud as I was the victim of identity theft in the spring of XX/XX/XXXX and that I was still dealing with many cases of fraud by people using my personal information. The agent agreed that they would close the case and I received no further notices from them. Then I received a notice from different collection agency on XX/XX/XXXX about the same PayPal debt of {$700.00}. The PayPal account number listed on the notice was the same as the one in XX/XX/XXXX. I contacted the PayPal collections department and the agent there confirmed that my account has a XXXX   balance. She looked up the account with the XXXX debt, but said that the personal information ( phone number and email ) did not match and would not give me any more information about it. It is obvious that someone has opened a PayPal account using my name and PayPal is continuing to attempt to collect the debt from me even though they admit I owe them nothing. The collection agency that sent me the latest notice is : XXXX XXXX , XXXX . I am attaching a copy of the notice with their contact information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-14
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Dear Credit Bureau : Transunion I will be passing this updated response letter over to my attorney for review since I dont know a lot about trying to remove or fix inaccurate information. I noticed that you verified that the items listed in the bankruptcy were correct. My attorney told me to ask you the following questions. ( 1 ). How did you verify these inaccurate accounts? ( 2 ). Did you talk to the court and if you did who did you talk with at the court? ( 3 ). Were you required to pay a fee to obtain the bankruptcy papers? ( 4 ). Can you provide me with the contact number and name of the person you talked to? My attorney told me that your company use third party data mining companies to get information from the court? Is that true? If that is the case, then your company is really not doing a true investigation is that correct. If you did not do a real investigation, then according to my attorney that is a violation of the FCRA and the account must be deleted at once. Please remove the account listed below : US BKPT CT TX XXXX Date Filed : XX/XX/2017 Bankruptcy chapter XXXX-dismissed Reference : XXXX and US BKPT CT TX XXXX Date Filed : XX/XX/2017 Bankruptcy chapter XXXX-dismissed Reference Number : XXXX We are waiting for your response. If there is no deletion, we will move forward with escalating this matter and filing complaints with the CFPB.

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 2017-04-19
Company: U.S. BANCORP
State: AL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I pulled a credit report a few weeks ago and I noticed an credit card was reporting on my credit file and I have wrote them several times requesting information regarding this account and I have no knowledge of this account but the company will not send me the Information I have requested

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 2017-04-18
Company: Byrider Franchising, LLC
State: OH
Product: Debt collection
Sub-product: Auto
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
The company  XXXX   XXXX   XXXX  are seriously violating the FCRA. They took a charged off account that was closed and added an ok payment status on my credit report on   XXXX   They then closed the account on  XX/2016.  Next, they removed the ok status from   XXXX   and added an ok status for   XXXX   Then changed the whole history from charge off to failure to pay. I 've ever did business with  XXXX   XXXX   XXXX  company and I do n't think it is fair for them to damage my credit like they are doing. I have asked them to verify the debt and they never did. This is what they did when I asked them to verify this so called debt! And I gave them over 30 days. They did not respond in a timely manner

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX  XXXX, XXXX XXXX XXXX, ****, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

15 U.S.C 1666B : States A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-04-28
Company: CITIBANK, N.A.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Opened account with Citibank in XX/XX/XXXX due to a flyer advertising a {$400.00} bonus when holding a balance of {$15000.00} for 60 days. Deposited {$15000.00} on XX/XX/XXXX. Kept {$15000.00} in account until XX/XX/XXXX ( 71 days ). Was supposed to receive bonus within 90 days of fulfilling terms. Still have not received bonus as of XX/XX/XXXX. 

Contacted Citi Customer Service via Chat on XX/XX/XXXX. Representative stated that Citibank does not start counting the 60 days until the XXXX  day of the account being opened. There was no mention of this on the flyer nor the landing page. Unfortunately, I did not keep the flyer nor screenshots of the landing page. However, I did find a screenshot online of the same offer with an end date of XX/XX/XXXX. The same offer was extended to XX/XX/XXXX. 

I have attached the screenshot of the offer 's landing page. The landing page only states that you must " maintain the minimum balance for 60 consecutive calendar days. '' It seems like this landing page was made to be purposefully misleading as Citi has since updated the landing page of their new, similar offer to more plainly lay out that they start counting on the XXXX day. I have also a screenshot of their new landing page as the representative repeatedly pointed me to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hello, I had a collection account with Convergent regarding a XXXX phone bill. They made an offer on the online account they had for me, and I paid the amount that was due. The debt that was owed is still showing on my credit, and the company is still asking me to pay for more money on their online account. I am asking Convergent to update that I no longer have a balance as it is illegal to not update that I have paid my balance ; therefore, showing inaccurate information to the credit bureau. 

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 2017-04-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
We applied for a credit card with   XXXX   XXXX   and was told that Equifax has us owing a credit card {$10000.00}. We pay all our credit cards in full each month for the last 5 years.

Company response to consumer: Closed with explanation