BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-24
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
RE : Cease and Desist ARS ACCOUNT RESOLUTIONS currently has an account listed on my consumer report that is a direct violation of the FDCPA. I am refusing to pay this alleged debt and demand that this company cease and desist with any further negative reporting on my consumer report or they will be sued in the appropriate court venue for damages related to fraduently trying to collect on a debt that I do not owe. I have never contracted with this company, and I am demanding verfiication of such alleged debt. Verification is defined as a formal declaration made in the presence of an authorized officer such as a notary public under oath but in the presense of such an officer whereby one swears to the truth of the statements in the document " XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX. ) ''. I also demand proof that this corporation provides proof that I signed a contract with them. Since you will not be able to prove that I owe your company any money, I demand the following account be immediately removed from my consumer report as this information is harming my credit reputation. The account is as follws : Acct : XXXX original creditor XXXX XXXX XXXX XXXX- within 30 days from receipt of this notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02
Company: EQUIFAX, INC.
State: WV
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
this is XXXX XXXX i 'm here to file a complaint again all XXXX credit reporting companies ever since last year i apply for a credit card from XXXX XXXX they pull my credit but the problem is they said my credit was locked by credit reporting companies they had no right to lock my credit so i could n't get my score they been messing with my scores they keep knocking off points from my score keeping me down in the XXXX i should have a good credit score i try to pay my bills on time i 'm trying to build credit but these companies do n't wan na give me a good score there doing fraud things to me and i want to find out what i can do about it i been trying to get all XXXX credit reports but they do n't wan na give me a report and score so i can know how my credit is doing they do n't post to keep you from getting a report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XXXX  Check was written and placed in my mailbox made out to XXXX for {$35.00}. 
XXXX  Contacted Wells Fargo about check that was cashed and place in another account for {$4000.00}. 
I informed Wells Fargo that I did not write this check for this amount aor to be deposited in the account on the back of the check. There was no bank stamped on the back of the check. 
I was mailed an affidavit and filled it out and took it to the bank for notarization and delivery to their fraud department. It was not notarized. 
I received another letter for notarizations, filled it out and had it notarized and sent it back to them. 
The check has clearly been altered. The cleared bank name in not on the check. I called them and they can not give me the bank name that cleared the check. They said they would call me within 2 days. It has been 2 days. 
I would appreciate help in getting my money back. 
What statutes cover my banks obligation to refund my money which they have not done. 
Complaint # XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: AES/PHEAA
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
In trying to manage my student loan accounts, I have been trying for months to unenroll from automatic debit payments. When payments resume, I simply wish to submit my payments manually each month. 

Each time I ( or any borrower I assume ) clicks " Cancel Direct Debit '' it logs me out and says an unexpected error has occurred. I assumed this was a temporary issue, and have been trying for months with the same result. 

I have contacted FedLoan Servicing ( the servicer ) on XX/XX/2022 and XX/XX/2022. They will not respond, help me cancel direct debit, etc. 

With continued uncertainty surrounding student loan repayments, it is not unreasonable for consumers to wish to monitor their loans closely and submit payments themselves when payments resume. I simply wish to opt-out of direct debit, but FedLoan Servicing is making that impossible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-10
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I've sent multiple letter to experian to close my account Membership account. They have continued to bill me after I attempted to close the account in XXXX of XXXX. I have called but they never answer the phone. I have mailed letters but they never respond. 

They have locked my credit file but I'm still being charged for costs I didnt authorize. They have acted inappropriately by locking by credit file without my authorization and have not provided any remedy to resolve the matter quickly. 

Experian has acted inappropriately and does not support consumer based questions or issues. It shouldn't be this hard to access my own information and close this account. This is abusive behavior by Experian!!!.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-28
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was contacted in XX/XX/XXXX by a debt collector and made aware of a loan fraudulently opened with my identity with a Nissan dealership in XXXX, CA in XX/XX/XXXX. I did not have sufficient credit to obtain a loan at that time. I do not understand how someone purchased a vehicle without proper identification or documentation such as social security card, employment pay stubs, etc. I filed a police report and have tried numerous times to get information on who the salesmen was and who the finance officer was that approved this loan without proper identification with no success. The dealership will no cooperate nor give my any info or return my calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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  and TransUnion credit bureaus keep putting these fraudulent accounts back on my credit. These have been reported and claimed to be not mine.

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 2023-02-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This is an issue that has stemmed from XXXX and the covid suspension payments where I was offered a forbearance and the payments owed would go to the back of the account. In XXXX of XXXX once the suspension was over, oddly the forbearance option no longer existed and all the money was due upfront. Wells fargo then offered me a loan modification and a much lower payment option. Which i agreed to and was approved. after 4 months of making my new payments on time, a payment glitched on their end and they canceled my loan modification. I was not aware until I called in and realized my payment was still in my bank. I had to start over, they offered to re-do and go again, the entire time I had offered to keep paying, but wells fargo advised that i wait for the new number and I was not incurring late fees. Long story short, we did this 3 times and I was canceled again without notification and my house is now in foreclosure.

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 2023-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following U S DEPT OF EDXXXX XXXX Balance : {$1200.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; XXXX XXXX ; XXXX XXXXXXXX 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 XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2023-07-09
Company: Self Financial Inc.
State: TX
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:
I am writing to bring your attention to a concerning matter regarding your recent collection attempts on a closed account, which I believe are in violation of the applicable consumer protection laws. As a responsible consumer, I believe it is important to address this issue promptly and ensure that all parties involved are aware of their legal obligations. 

I would like to draw your attention to the following laws that I believe you may be violating in your collection attempts : Fair Debt Collection Practices Act ( FDCPA ) : The FDCPA is a federal law designed to protect consumers from unfair, deceptive, and abusive debt collection practices. Under this law, debt collectors are required to provide accurate and truthful information regarding the debt, cease communication upon request, and refrain from engaging in any unfair or harassing practices. Your attempts to collect on a closed account without providing accurate and verifiable information may be considered a violation of the FDCPA. 

Fair Credit Reporting Act ( FCRA ) : The FCRA governs the collection, dissemination, and use of consumer credit information. According to this act, accurate and up-to-date information must be reported by creditors. If the closed account in question is being inaccurately reported as an outstanding debt, it may constitute a violation of the FCRA.

State Consumer Protection Laws : In addition to federal laws, various state-specific consumer protection laws may also apply. These laws provide additional safeguards for consumers and set forth guidelines for fair debt collection practices. I believe your collection attempts on a closed account may be in violation of these state laws as well.

I kindly request that you review your records and provide me with comprehensive and accurate information about the debt you are attempting to collect. This includes the original creditor, the amount owed, the date of the last payment, and any other relevant details. Furthermore, I expect you to cease all collection activities on this closed account until you have provided me with the requested information and resolved any discrepancies or inaccuracies. 

If I do not receive a satisfactory response from you within 10 days, I may be compelled to take further action to protect my rights as a consumer. This may include filing complaints with the appropriate regulatory agencies, consulting with a consumer rights attorney, or seeking legal remedies available to me under the law.

I trust that you will treat this matter with the seriousness it deserves and take immediate steps to rectify the situation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: FIRST NATIONAL BANK OF OMAHA
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received a letter from the bank that said I have an account that was put on hold due to unusual activity. The bank provided a XXXX number to call to verify my information. I only provided my name and I denied my SSN because I suspected fraud. 

I would not open and never opened an account with another bank that's out of state. I have my local bank that I deal with. 

I was told by the customer service representative that my SSN and personal information was used to open this account. ( On the letter that I received, there's the last 4 digits of the account number ).

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 2023-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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 according with the fair Credit Reporting Act XXXX  Account # 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 furbish an 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 2016-08-24
Company: NATIONSTAR MORTGAGE LLC
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Nationstar is our mortgage servicer. We had a mortgage from XXXX XXXX XXXX and we were n't informed until after 60 days from the transfer. We had been current with XXXX and had never had any delinquent months since ou purchase. We immediately noticed that our amount owed monthly was different. Nationstar failed to provide any documentation of breakdown in details of " fees ''. 

The current problem is that following my extensive and repeatedly hospitalizations, we became behind XX/XX/XXXX. It was our first time being behind 30 days. Our XXXX/XXXX/16 payment was late 60 days. We were able to catch up a bit and bring it back to 30 days late for the XX/XX/XXXX and XX/XX/XXXX payments. Due to additional hospiatlizations our XX/XX/XXXX payement was 60 days late ( paid on XX/XX/XXXX ). On XX/XX/XXXX we made the XX/XX/XXXX bill. The account showed as pending until after XX/XX/XXXX. XX/XX/XXXX suddenly the payment showed as REVERSED. I called Nationstar to find out why. Their response was there must have been an error on my part with the number. I asked to speak with a supervisor who confirmed that the number had been used before. She asked that I go to bank and 3-way call with them to confirm that the number was our account and they would be able to credit the amount as paid and take the money again. When at the bank, the manager confimed with nationstar rep that account was valid and money was still there.XXXX manager also explained that Nationstar did not attempt to take the money. Nationstar explained that it was nw XX/XX/XXXX and by not having XX/XX/XXXX payment in account it was now 90 days delinquent. XXXX again confirmed funds were in bank and the funds for XXXX I attempted to pay. They told bank manager that funds would not be allowed to be paid to Nationstar. The problem resolution request was sent by rep but would not lkely be addressed until XX/XX/XXXX. In the meantime they refuse any payment. This would make it 120 days late. 

So by reversing payment in XX/XX/XXXX, they have caused t to be 90 days late. And then again refusing XX/XX/XXXX would make it 120 days late. And acknowlegeing it would take until XX/XX/XXXX cause it to be 150 days late. 
How can they fraudulently cause a delinquency?? 
Also all the funds I pay each month over what is owed to be applied to principal and " fees '' has never been applied. They even reversed escow funds out of that I have paid. 
They now say that because the XX/XX/XXXX payment was n't credited they have moved case to foreclosure!!! They will not speak with XXXX or myself further.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: TD BANK US HOLDING COMPANY
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: Credit inquiries on your report that you don't recognize

Complaint:
I have two complaints. These two inquiries showed up in my XXXX XXXX report. Both are hard inquiries using my personal information without my knowledge or consent. The first one was made on XX/XX/2023 with XXXX XXXX XXXX for which I believe is a Bank loan. that The address and phone number is listed as follows : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, DE XXXX. Phone number is XXXX. The second inquiry dated XX/XX/2023 is Target Fin/TD-PRVTE LABL, with an address of XXXX XXXX XXXX XXXX, XXXX XXXX, SD and phone number is XXXX. 

I personally feel that it is the same two individuals that attempted to secure the previous accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX  Balance {$2.00}, XXXX XXXX XXXX Balance {$0.00}, XXXX XXXX XXXX Balance {$250.00}

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 non-monetary relief
Consumer complaint received 2023-10-10
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

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 XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-07-28
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In XXXX, I filed for Chapter XXXX Bankruptcy and again in XXXX. Any monies I owed to Navy Federal Credit Union was included in the XXXX Bankruptcy. More than 17 years later, Navy FCU still shows my name as having an outstanding debt. In addition, the financial institution uses it as a negative credit report when it comes to my ability to apply and re-establish my credit with them, I am denied. this has taken a serious toll on my overall credit rating. I have even tried to re-apply for a credit card recently and was denied because of a 20 year old debt. Any prior debts with Navy FCU should have wiped out completely in XXXX. 

According the NCUA Guidelines, this is a clear violation of my rights as consumer and my ability to obtain creditworthiness ; in addition, these acts has caused severe credit repair damage and financial hardships.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
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:
Hello, My credit report was dropped due to these 4 companies Cap One, XXXX, XXXX XXXX, and XXXX. My account was on security lock monitor during the inquiries.I am very disappointed because my credit was ran without permission, Capital one was suppose to pre-approve a card to up my credit instead it was ran numerous time.All 4 company didn't suppose to check my credit.

Company response to consumer: Closed with explanation