BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-22
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:
Subject : Validation of Debt Inquiry - Account Reporting Dispute Dear Sir/Madam, I am writing to dispute the accuracy of certain information appearing on my credit report. According to the provisions outlined in the Fair Debt Collection Practices Act ( FDCPA ) under 15 USC 1692g, I hereby request validation of the debts associated with the following accounts : 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  After carefully reviewing my credit report, I have noticed that the aforementioned accounts have been reported, but I wish to assert that I have no knowledge or recollection of these accounts. As per the FDCPA, I have the right to request verification of the debts to confirm their validity and accuracy. 

I dispute the accuracy of the account number, high balance, and any late payments associated with these accounts, as they do not align with my financial records and do not meet the guidelines established by the Fair Credit Reporting Act ( FCRA ). As such, I am seeking detailed information on the origin and validity of these debts. 

In accordance with the FDCPA, I kindly request the following information for each account : The complete account history and details of the original creditor, including the date the account was opened and closed ( if applicable ). 
Verification of the debt amount, including an itemized breakdown of the outstanding balance, interest charges, and fees. 
Documentation proving that I am legally obligated to pay the alleged debt. 
A copy of any signed agreement or contract pertaining to the debt, bearing my signature, that confirms my acceptance of liability for the alleged debts. 
Proof that the statute of limitations for collecting this type of debt has not expired. 
Please be informed that until these requested details are provided, I expect that the disputed accounts be flagged as " in dispute '' to prevent any negative impact on my credit score and creditworthiness. Additionally, I request that all communication related to these accounts cease until their validation is completed and the accuracy of the reported information is verified. 

Kindly acknowledge receipt of this dispute letter within 30 days of its receipt. If you fail to respond or provide the requested validation within the stipulated timeframe, I reserve the right to seek legal remedies available to me under the FDCPA and FCRA. 

I have enclosed a copy of my credit report highlighting the disputed accounts for your reference. Thank you for your prompt attention to this matter.

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 2023-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These accounts from XXXX are fraudulent accounts and are not mine. Please remove ALL fraudulent accounts listed from my credit report. Accounts to be removed : 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 2023-03-04
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I have received a letter from Truist Bank informing me I have an account that closed and I owe the balance plus late fees. I have never had an account with them. I now have an open police report active and my credit frozen along with my usual bank. This is a case of identity theft, someone opened and closed an account with my person information including XXXX. Any and all attempts to open further accounts in my name, XXXX XXXX XXXX, should be treated as fraud until I am able to secure my accounts.

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 2022-08-17
Company: Texas Guaranteed
State: TX
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX keeps calling random people claiming they can not reach me and ignores my multiple emails trying to contact them. 

I have emailed XXXX over 40 times and havent received XXXX single direct response to my emails. 

They have only issued a copied and pasted response to CFPB ( constantly referencing old things that have nothing to do with my current complaint ). 

Now XXXX at XXXX is ignoring emails and when he did respond it is to give information to contact DOE FSA Ombudsman which both he and XXXX were already told had previously been done and because this is a private loan the FSA ombudsman cant and wont get involved. XXXX guarantees the loan in the event that I dont pay Navient which as confirmed by the DOE FSA Ombudsmans and why they wont get involved. 

Its not rocket science simply directly and specifically address my points I need the following directly answered : XXXX ) Because XXXX is the original creditor they CAN contact for due diligence HOWEVER per CFPB and FDCPA I can control HOW XXXX  contacts me and XXXX refuses to acknowledge it and confirm that Email and my po box only are the only forms of communication to me allowed as anything else is inconvenient. The ignore it and repeatedly violate it with XXXX parties XXXX ) XXXX ignores any and all emails sent directly to them no matter what I ask. How am I supposed to communicate when they simply ignore all emails? 

I know they receive them as I occasionally get out of office replies. The only vague non direct response given is only when I file a complaint with the CFPB. I shouldnt have to repeatedly file complaints with CFPB to get an answer when they all have emails.

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 2023-12-29
Company: Freedom Mortgage Company
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Freedom mortgage is my mortgage company and they state that I am behind on my payment. I have proof that I paid XXXX for the YTD and their statement shows that i paid XXXX YTD witch is XXXX unpaid to the mortgage company. 

I have called XXXX times and got XXXX different answers the XXXX person i talked to told me its because i didn't make a full payment and i was XXXX dollars short back in XXXX so paid the XXXX dollar 's thinking ok so now it should be up to date. The XXXX person i called told me i didn't pay XXXX so I went over my bank statements and i paid XXXX so i called them back and they told me I didn't pay XXXX payment. I told her I've got the bank statements to prove I've never missed a payment, so I sent them all XXXX statements from 2023. After that I received a 12 month statement from the Freedom Mortgage showing that XXXX payment was never received. So i called them back XXXX to try and figure out what is going on and they tell me XXXX is paid. so I requested a supervisor to talk to and I was on hold for XXXX mins and someone answers the phone and hangs it up on me. 

I can't get a straight answer from anyone there! Meanwhile I am being charged {$45.00} late charges twice a month and they are putting late/missed payments on my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. But despite all the complaints I sent to CFPB and Transunion, nothing has changed! So once again, I would like to request the suppression of these accounts from my credit report, which is the result of a fraudulent item origination and identity theft. These fraudulent accounts should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. I have sent my documents, and the FTC report I filed on their website to make things clear that I am an IDENTITY THEFT VICTIM. I am trying to obtain credit and it is causing me too much emotional and financial distress because of these accounts that do not belong to me and is reported erroneously. I am in desperate need of these accounts to be REMOVED and BLOCKED. 

XXXX XXXX XXXXXXXX XXXX XXXX I 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 2023-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 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 an account without my written instructions. 

Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor Name : 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 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 non-monetary relief
Consumer complaint received 2019-09-03
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I bought a XXXX XXXX XXXX from XXXX XXXX XXXX XXXX Texas back in XX/XX/XXXX and made on time payments and kept it until I decided to trade the vehicle in on XX/XX/XXXX when I purchased a XXXX XXXX XXXX. Both of my cars were financed through Santander Consumer USA. After signing the contract and paying for my tax, title, and license, I was current with my loan with Santander and the vehicle was supposed to be paid off after the trade in. According to the State of Texas laws they have 25 days to pay my loan off. XXXX XXXX in XXXX never paid off my loan. When I asked them about it they told me that they sold my car off to auction. I am stuck with a loan for a car that I do not have and because I could not afford two car loans at that time, it resulted into tow truck coming to my home every night and then a charge off on my credit. Too add to my problems, I never received my tags and the car is still not registered in my name. I am paying for a car that I technically don't own. This issue has not been resolved and there is no timetable for a solution. I still have expired temporary tags since XX/XX/XXXX. As of right now. I am stuck with a $ XXXX loan charge off and no tags on a car that I don't own. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My loan has been serviced by Green Tree Servicing for over seven years, they just changed the name to XXXX but their customer service shows no improvement. My HO insurance premium is due on XXXX XXXX of each year but every year they pay it upon receipt of the insurance company bill, usually thirty to forty five days ahead of time and if I need or want to make any changes to the policy or go with a new company I must cancel the policy, wait fifteen days for a refund from the insurance company, return the refund to Green tree and in the mean time get another policy and pay it with my own money because the escrow at Greentree has already been debited for the premium. I have asked them to please allow me a few days to review the policy several times, the last time on XXXX XXXX, 2015 via email and I received an acknowledgment to my email on XX/XX/XXXX. Today, XXXX XXXX, 2015 I received an unsigned letter from customer service denying my request. I have contacted the Florida Division of Insurance on this issue and banks and loan servicing agents DO NOT HAVE TO PAY UPON RECEIPT way before the renewal date from the insurance company bill. I am a retired accountant who worked in Banking twenty five years and I know that Green Tree/XXXX is not being truthful. They display the utmost disdain for customers in terms of reply time and customer phone service. Please see if you can help me, they are hurting me financially by forcing me to pay a new policy out of my own resources in addition to all the paper work created by cancelling a policy, getting the insurance company to refund me the premium, having me return the premium to Greentree and then waiting until they pay the new or modified premium. By golly, if this is not stupidity I honestly do n't have a word for it. PLEASE HELP ME. 
Thank you so very much.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: Experian Information Solutions Inc.
State: LA
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 FCRA says you have a duty to investigate. The XXXX Circuit has clarified that the Fair Credit Reporting Act ( FCRA ) requires furnishers of credit informationlike their credit reporting agency XXXX CRA XXXX counterpartsto conduct " reasonable '' investigations of consumer disputes. The decision also identifies various factors that determine whether a furnishers investigation is " reasonable. '' The reasonableness of an investigation also depends on " what the furnisher knows about the dispute. '' The 11th Circuit explicitly rejected the argument that a furnisher may reduce its investigation simply because the CRA failed to exhaustively describe the dispute in its Automated Consumer Dispute Verification ( ACDV ) form. " When a furnisher has access to dispute-related information beyond the information provided by the CRA, it will often be reasonable for the furnisher to review that additional information and conduct its investigation accordingly. I have disputed several times and pointed out the inaccuracies yet you still continue to violate my consumer rights by " UPDATING '' the accounts instead of removing them. THIS IS ABSURD!!! 

PLEASE REMOVE TGHE ACCOUNT IMMEDIATELY!!!!!! CONTINUING TO UPDATE THESE ACCOUNTS IS A CLEAR VIOLATION!!! 


XXXX DELAWARE INC/SJ500061INACCURATE ACCOUNT! REMOVE IMMEDIATELY! SECURITY FINANCE3INACCURATE ACCOUNT! REMOVE IMMEDIATELY! XXXX XXXXNACCURATE ACCOUNT! REMOVE IMMEDIATELY! XXXX FCU403216INACCURATE ACCOUNT! REMOVE IMMEDIATELY! XXXX XXXXINACCURATE ACCOUNT! REMOVE IMMEDIATELY! XXXXINACCURATE ACCOUNT! REMOVE IMMEDIATELY! XXXXHIPPA VIOLATION! REMOVE IMMEDIATELY! XXXXHIPPA VIOLATION REMOVE IMMEDIATEL! XXXXHIPPA VIOLATION! REMOVE IMMEDIATELY! XXXXHIPPA VIOLATION REMOVE IMMEDIATELY! 1XXXXHIPPA VIOLATION REMOVE IMMEDIATELY!

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 2023-03-01
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
XXXX {$72.00} XXXX {$100.00} XXXX {$100.00} XXXX {$100.00} XXXX {$36.00} XXXX {$36.00} XXXX {$36.00} XXXX {$100.00} I talked to one of there the banks representatives at Regions Bank, about this accuring issue , and she sounded like if she was upset in talking me about this issue. They told me they were going to reverse the issue and they issued me a new card. But, they just setted me up for financial failure. I would really like to either resolve this issue or close my bank account entirely. And, return 'ALL ' my paid overdraft fees, for no fixing the issue on the first attempt.

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 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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/22 I sent a letters about incorrect information on my credit profile.

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 2023-06-17
Company: ENOVA INTERNATIONAL, INC.
State: GA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This is not my debt. I have never in any state used CashNetUSA, the original creditor. 
The debt has been sold to a XXXX XXXX XXXX XXXX XXXX. 
File number : XXXX Not my debt and I will not be responsible for the payment in the of {$2600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I've handwritten letters and called the 3 major credit reporting agencies to remove any and all fraud alerts and statements from my credit file. At the time they said they will but did not. So now I'm filing a complaint on here, Demanding that the 3 major credit reporting agencies, Transunion, XXXX, and XXXX  all REMOVE any and all fraud alerts and statements from my credit file immediately.

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 2022-12-26
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with the fair credit reporting act conversion the accounts listed violated my rights, XXXX XXXX ( # XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX ( # XXXX ) XXXX & XXXX ( # XXXX ) XXXX XXXX XXXX XXXX  ( # XXXX ) 15 U.S.C 1681 Section 602 A states I have a right to privacy 15 U.S.C 1681 Section 604 A Section ( 2 ) states a consumer reporting agency can not furnish account without written instruction 15 U.S.C 1681 Section 623 Section ( 2 ) states a person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2023-01-03
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Within the last month, I have accrued over {$430.00} in overdraft fees with Regions Bank. I am aware of the overdraft protection act and what it limits banks to regarding overdraft protection fees. I am also aware that Regions bank is under investigation due to this same issue, owed to payback most of the excessive overdraft fees. The act states that no more than one overdraft coverage fee per month and six per year, per account, by the terms of the proposed bank overdraft fees law. 
The fees I was charged include XX/XX/XXXX for {$100.00}, XX/XX/XXXX for {$100.00}, XX/XX/XXXX for {$36.00}, XX/XX/XXXX for $ XXXX for {$72.00}. 
I approached Regions bank and they told me they were only able to refund 'maybe ' {$72.00} back. Once I brought up the over protection act, they told me that they were able to charge up to {$100.00} in overdraft fees per month. Even with that, they wouldn't return more than {$72.00} of fees back to me. 
I have multiple accounts with them that have money in them, and I haven't been charged an overdraft fee with them on this account before this month. The {$430.00} is more than the charges on my account.

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