BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-29
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: Credit inquiries on your report that you don't recognize

Complaint:
I was checking my credit report and notice inquiries and addresses I do not recognize or authorized. I am afraid my information may have fallen into the wrong hands. The unauthorized inquiries are as follows XXXX XXXX inquiry dates XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. The inaccurate addresses are as follows XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2021-10-08
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Best Buy in XXXX XXXX, Ohio pulled my credit without my consent which resulted in an unwanted inquiry reported to the bureaus. During the purchase of a TV, the associate asked if I had a rewards card. She requested my phone number to search for it. She then told me that I needed a new card because the previous reward card had been closed. I told her that doesn't sound correct because I've never heard of a customer reward card being closed. She then stated she would get a new one. Shortly she said it was denied. I was shocked because it was clear that she ran my credit ( which was frozen due to a mortgage refinance ) and was misleading and she knew exactly what she was doing. I complained to the manager of the store who told me it was my fault. This store must commonly do this to seniors/veterans/ and people of color. I then went to pick up my new laptop and was told to wait because the clerk in the back was working on something more important. 

I've since returned the TV, but want that inquiry removed from my credit reports. This seems to be an unlawful act.

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 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
on XX/XX/2022 I filed a complaint thru the CFPB against TransUnion complaint # XXXX & stated that US DEPT of ED had fraudulent accounts on my credit profile that need to be removed immediately. I also included a copy of my police report My complaint was supposedly " investigated '' however these items STILL remain on my report : DEPT OF EDXXXX XXXX balance {$0.00} DEPT OF EDXXXX XXXX balance {$0.00} US DEPT OF EDUCATION XXXX balance {$0.00} TransUnions response to my CFPB complaint was XXXX we were unable to block the information for the reason described in the letter and we investigated the information by contacting the creditors to verify the accuracy of the information. Based on your request to add an extended fraud alert to your credit report, we sent you a letter to confirm the alert has been added ' How exactly did the creditors 'verify ' my information?? 
And I did NOT ask for a Fraud Alert to be placed on my credit report either According to 15 USC 1681 a3, you ( TransUnion ) assumed this role without permission, not only that you ( TransUnion ), did NOT have my consent.

You ( TransUnion ), did NOT respect my right to privacy which is stated under 15 USC 1681 a4. You ( TransUnion ), did NOT exercise your grave responsibility, you were unfair, AND you were partial.

If this is not resolved to my satisfaction this time I do plan to file a complaint with the Attorney General.

You ( TransUnion ), never had a permissible purpose Under 1681 b2.

I never instructed you to furnish this report and I never consented to this report in the first place. What I am demanding right now is that you guys delete all of these accounts off my report.

DEPT OF EDXXXX XXXX balance {$0.00} DEPT OF EDXXXX XXXX balance {$0.00} US DEPT OF EDUCATION XXXX balance {$0.00} You can also delete any old names, addresses and phone numbers completely.

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 2023-09-19
Company: Mountain Run Solutions, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I attempted to contact XXXX to obtain information and dispute a collection account that just showed up on my husbands credit report. This is the only collection item between the 2 of us, and we have excellent credit. XXXX referred us to a company called Mountain Run ( XXXX XXXX XXXX ). After confirming that Mountain Run purchased this account, I agreed to contact Mountain Run. 

I explained to the collections agent at Mountain Run why we wouldnt be paying this account, and I wanted to know what date this was purchased. The representative transferred me to a supervisor. She ( XXXX XXXX. ) sounded bored and disinterested and parroted back a few less relevant statements that I gave to the previous representative. Eventually we came to a point where she was condescending and said you dont have a single piece of documentation that you dont owe this debt ( after I explained that we made numerous attempts to contact XXXX to cancel our contract ). She also said If you dont want this on your credit then learn to pay your bills. We pay all of our bills that are legitimately owed and do not deserve to be treated this way when calling to obtain information.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Select Portfolio Servicing, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX loan # XXXX Problem : SPS misapplied payments, did not apply payments. All mortgage payments were made timely and in full. Due to misapplied and not applying payments properly penalties, higher interest rates and collection fees were added to the loans. SPS has not been able to restore the loans to the correct amount owed. 

Hired XXXX XXXX in XXXX - XXXX Hired XXXX ( XXXX ) XXXX in XXXX to present We provided all paperwork, checks to show full payment and SPS still has not responded. 
I have spent close to {$30000.00} in attorney fees to get this resolved. 

I have fully paid SPS and have never missed a payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: EQUIFAX, INC.
State: CA
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: Experian Information Solutions Inc.
State: NV
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:
Experian continues to violate my consumer rights. I've informed them of a late payment reporting onto my credit report from XXXX XXXX XXXX XXXX, illegally. 

Pursuant to 15 USC 1666B, payment history can not be reported late for ANY reason. This is against my privacy, which is also defamation of character. I did not provide a written permissible purpose for this information to reflect on my credit report. 

Experian has been notified of its illegal activity and has been given proof of its inaccuracy. Experian has been asked for their method ( XXXX ) of verification which they allege, yet refuse to provide said verification.

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 2020-12-23
Company: EQUIFAX, INC.
State: AR
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 sent several letter to companies by the names of XXXX, Equifax, and XXXX, yet they have failed to respond to my dispute letters. I have not received any responses over the last 6 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Wells Fargo Fraud - I have a checking account with Wells Fargo that was fraudulently misused. I noticed a debit for {$200.00} from the ATM, {$1.00} for a " XXXX XXXX '', and {$60.00} from a XXXX XXXX  XX/XX/2020, that was not mine. There was another {$100.00} removed from a linked account ( my son 's account ). I called the bank the next day, XX/XX/2020. They said they would investigate. According to the bank, someone ordered a new card on the XXXX of XXXX, 2020. They had that card mailed to a different address than mine. The purchases were made with that. I reported the money as fraudulent within hours of the fraud yet Wells Fargo said I am responsible for the lost and denied my claim.

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 2023-09-19
Company: Caliber Home Loans, Inc.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
We have a mortgage from Caliber Home House. 
Are house was burned down in the XXXXXXXX XXXX We got funds from our insurance company. In several checks. We already covered our principal and Caliber is holding it. We got more checks from our insurance company that was payed to us and Caliber. Because Caliber is already holding the principal they according to the law need to send the extra funds directly to us.

They did so already for other checks but for the latest check for the sum of {$200000.00} they are not releasing it. We asked for it to be release on XX/XX/2023 and every time we call they say it is in process with no date when they are going to release it. 
We our building our new home and owe our builder money and because they are holding it we can not pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: Resurgent Capital Services L.P.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX XXXX, 2018 I sent Resurgent Capital Services a debt validation letter by certified mail asking them to provide me with the following ... 
- Agreement with your client that grants you the authority to collect on this alleged debt. 
- Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
- Any insurance claims been made by any creditor regarding this account. 
- Any Judgments obtained by any creditor regarding this account. 
- Name and address of alleged creditor. 
- Name on file of alleged debtor. 
- Alleged account number. 
- Address on file for alleged debtor. 
- Amount of alleged debt. 
- Date this alleged debt became payable. 
- Date of original charge off or delinquency. 
- Verification that this debt was assigned or sold to collector. 
- Complete accounting of alleged debt. 
- Commission for debt collector if collection efforts are successful They failed to do so. In the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : it says that one can not subrogate onto a contract that they were not originally on, did not have any interest to protect, and then claim successor in rights and interests. Thus, when an original creditor sells the debt they give up their rights to collect on the debt BUT they do not give those same rights to the collection agency. The collection agency can not act as a substitute for the original creditor. 

Resurgent Capital Services has failed to validate this debt as they have not sent anything to validate the debt, the letter they sent just states they have initiated a review of the account which is not validating the debt. Under the FCRA and FDCPA it requires you to verify the validity of the debt within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of invalidated debt here as the debt was not properly verified because they did not properly validate the debt and I urge you to remove this item before I am forced to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: EQUIFAX, INC.
State: AR
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 went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that i needed to take action. I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these fraudulent accounts from my report. XXXX XXXX XXXX {$740.00} XXXX XXXX {$430.00} XXXX XXXX XXXX {$1600.00} CHAPTER BANKRUPTCYXXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XXXX dollars was withdrawn from my acct which my card was lost/stolen and it wasent me it was fraud and they said the denied my claim of grounds cause my pin was used .. anybody could of seen me use my pin n waited for for the right chance to do what they did to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-19
Company: WELLS FARGO & COMPANY
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with signing the paperwork

Complaint:
Subject : Complaint Against Wells Fargo Auto for Non-Compliance with Debt Validation Request To Whom It May Concern, I am writing to formally file a complaint against Wells Fargo Auto for their failure to honor my debt validation request, as per my rights under 15 USC 1692, in relation to the financing of my vehicle. 
My name is XXXX XXXX XXXX, and I am the registered owner of the vehicle with the following details : * Vehicle Identification Number ( VIN ) : XXXX * Make : XXXX * Model : XXXX * Year : XXXX I have been attempting to obtain a copy of the promissory note related to the financing of this vehicle from Wells Fargo Auto. I initially requested this documentation in writing, providing all necessary contact details, on XX/XX/XXXX. 
Despite my repeated attempts to obtain the promissory note and my willingness to cover any reasonable administrative costs associated with this request, Wells Fargo Auto has failed to provide me with the requested information. They have not responded to my inquiries, and this lack of cooperation has left me without access to essential documentation pertaining to my loan. 
I believe that Wells Fargo Auto 's refusal to honor my debt validation request is in direct violation of the Fair Debt Collection Practices Act, specifically 15 USC 1692. This statute requires debt collectors, including lenders like Wells Fargo Auto, to provide borrowers with validation of their debts upon request. Failure to do so is a clear violation of the law, and I am left with no recourse but to file this formal complaint with your agency. 
I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against Wells Fargo Auto for their non-compliance with federal law. I urge you to intervene to ensure that I, as a borrower, am provided with the necessary documentation and that Wells Fargo Auto is held accountable for their actions. 
Enclosed with this complaint, you will find a copy of my initial request for debt validation, along with any related correspondence and documentation. I believe this evidence will substantiate my claims and demonstrate Wells Fargo Auto 's disregard for my rights as a consumer. 
I appreciate your prompt attention to this matter and look forward to a resolution that upholds the rights and protections afforded to borrowers under the law. Please do not hesitate to contact me if you require any further information or clarification regarding this complaint. 

Thank you for your assistance in this important matter. 
Sincerely, 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 2022-12-29
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
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: Was not notified of investigation status or results

Complaint:
I've contacted CITIZENS BANK NA & they told me I've never missed a payment, yet XXXX and XXXX refuses to update me from being listed as XX/XX/XXXX on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do XXXX and XXXX job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to update these damaging negatives from my profile. 
CITIZENS BANK XXXX Date Opened XXXX XXXX, XXXX Balance : {$280000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX OF 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 non-monetary relief
Consumer complaint received 2023-05-11
Company: SANTANDER HOLDINGS USA, INC.
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
First I would say Santander is a loan shark company as I have been paying over 20 % interest on a lemon a car I havent even been driving. They blocked me out of my account online forcing me to pay over the phone but when I pay over the phone my payment is posted 24-48 hrs later they made a mistake on a previous ACH payment. Im NOT working Im A XXXX veteran and Im Not even driving the car because Ive had to pay all kinds of maintenance fees in repairs. My son who is serving overseas left me his car. In the meantime I am expecting a payment from my former employer because I was wrongfully terminated in 2014 ended up homeless lost my house and needed a car. My case was in litigation at the XXXX for more than 5 years and I just got a decision on XXXX XXXX but they still had not paid me as I was declared a federal whistle blower for reporting patient neglect. I was expecting a payout so I called Santander to request the payoff amount noting they are supposed to have programs for people with financial problems! I asked the rep to take off the late payments she then says I have good payment history and then turned around and retroactively posted the late payments that are posted late because of their system to my credit after the fact! Noting this only occurs AFTER I called to get the payoff so In addition to being a crooked loan Sharking company they decided to try and sabotage my credit only AFTER I called to get the pay off amount. 

I didnt pay off the car yet. But now I see just how calculated this loan sharking company is! 

Dont ever do business with Santander

Company response to consumer: Closed with explanation