BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-21
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Back in XXXX I recvd a bill from XXXX stating I owe XXXX. I reached out and advised something must've gone wrong because I did not have a personal account with XXXX. The apartments has an HOA that provides internet and cable services in which I paid with my rent. Earlier this year the apartment complex decided to switch and let us know they will be using XXXX and we needed to request set up with XXXX  since they will no longer use XXXX. So in XX/XX/XXXX I had XXXX come out and complete the connect. I contacted XXXX Customer Service and ask this to be investigated many of times but it could never be resolved. I asked for the corporate office to reach out to someone higher and they would not give me any information to reach anyone. I finally reached out to a guy named XXXX XXXX Executive Escalations and he asked me to send all the documentation showing how long I've had XXXX  as well as notices showing that the complex no longer used XXXX. He advised everything should be updated and completed. Well it never happened. I do not understand how a company can expect to come up with a bill out of the blue and say it's mine. The bill date shows exactly XX/XX/XXXX along with new charges as of XX/XX/XXXX but I did not have XXXX in these months at all. This company refuse to investigate and own the fact that they have made a mistake and is now trying to add a collection to my credit report. I have months of conversations that I have had with these reps and no one will correct their mistake. As far as this collection agency I reached out to them asking requesting a VOD. This company has sent me the same bill from XX/XX/XXXX in which one I did not have services with the company at that time and furthermore a bill does not constitute validation of debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX  shows an account in collections that is beyond the SOL for the state of CA.

Attempted to get debt removed-CRA 's have not done so.

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 2023-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 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.

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer 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 non-monetary relief
Consumer complaint received 2023-07-24
Company: SANTANDER HOLDINGS USA, INC.
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Santander Consumer was the bank that supplied the loan for my XXXX XXXX XXXX. The vehicle was {$16000.00} at the beginning of XXXX when it was purchased. It was not explained to me that interest was going into a separate account. It was also not explained to me that there could be a GAP policy attached to my car note of {$470.00} per month. Fast forward to XXXX- they never supplied me with any information that they were in Federal Court for being a Predatory Lender. The vehicle was placed in the care of a towing company after the wheel was wobbling for a repair. The repairs totaled more than I could afford and at this point I had no choice but to contact them to give them the vehicle back voluntarily. During all of the time I owed them Santander called me almost every day and sometimes more than one time in a day. They ultimately decided to abandon the vehicle ( did not retrieve it ) and stated to me that the reason why was that it was not worth it for them but that I needed to continue to pay on a loan for the car a total of {$11000.00}. This means that over the last five years they have collected {$28000.00} approximately in nothing but interest and only {$5000.00} ( {$1000.00} per year ) towards the vehicle. Leaving me with an {$11000.00} balance to be repaid for a vehicle that was probably worth {$5000.00} or more of the {$11000.00} they stated that I owed in writing. When asked to send a communication by mail stating that they abandoned the vehicle they refused to do so. They have been calling me every day while I am working and trying to re-establish myself after the pandemic hit me financially as hard as it did. This is not right. Someone needs to do something about them. This was a flat out HOAX. Nothing they tell you is true about how the loan is repaid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I had XXXX XXXX  they gave forebode credit never told me that to get back to my regular mortgage I would have to to pay all the missed payments. Its like XXXX dollars all at once

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is trying to collect a debt that is not mine. They are the 3rd collection agency to try to collect this amount. I have been in contact with XXXX XXXX XXXX XXXX and they do not have me on file or owing them any money. I would have paid my debt if I owed them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: Experian Information Solutions Inc.
State: DC
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, 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer 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 2018-11-17
Company: WAKEFIELD & ASSOCIATES, INC.
State: AZ
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:
These accounts are being illegally reported on my credit report. On XX/XX/18, XX/XX/18, and XX/XX/18, I formally disputed it directly with XXXX in regards to their illegal reporting, and their response was, Updated- To follow up directly with the company On XX/XX/18, not only did I reach out all companies yet again with a letter in getting this issue resolved, I sent along an affidavit but I have not received any satisfactory reply. Therefore, I am now formally disputing directly with you in getting these fraudulent accounts remove immediately, please!

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 2018-11-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Bank of America Credit Card & XXXX XXXX stolen 2+ years ago. Companies continue to attach fraudulent charges to my account. I have spent many hours on the phone disputing these charges. Most recently, B of A sent me a physical letter saying that they would reimburse me for {$33.00} worth of XXXX XXXX in XXXX. I live in XXXX. That was the only charge on the statement. They have not done so as of XX/XX/2018. Today I received a new bill for {$35.00}. I have good credit. I dont want this bad Credit Card policy to affect 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 monetary relief
Consumer complaint received 2023-11-17
Company: Freedom Mortgage Company
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
I purchased the home in XXXX. I am XXXX XXXX and set up my monthly allotment to pay for the mortgage with the information provided from Freedom mortgage. In XXXX, I received a letter stating I was going to default on my loan. I called them and was informed they had not received any payments. I then paid them {$7300.00} to get my loan caught up. I spoke with XXXX and they stated Freedom Mortgage never returned the payment to them, they had accepted and kept it. For the past 3 months I have tried to get a resolution with them. I have called frequently and get told various information. They received XXXX allotments from XXXX with each being {$3800.00} ( total of {$11000.00} ) on top of me having to pay out of my personal account. They continue to tell me they do not know where the money is and have yet to refund it to me. I really need to have my money back as they are basically stealing.

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 2023-04-19
Company: Experian Information Solutions Inc.
State: IL
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:
All concerning, I am writing to file a formal complaint regarding a Experian 's refusal to investigate a previous complaint that I submitted. I am extremely disappointed and concerned about the lack of action taken by the agency, despite the fact that the complaint was directly sent by me and was authorized by me alone. 

The complaint that I submitted contained important information about a situation that required immediate attention. However, Experian has failed to investigate the matter, which has caused further harm and distress to those involved. 

I would like to stress that the complaint that I submitted was done so under my own volition and with the intent of resolving a serious issue. I followed all of the necessary procedures and protocols in submitting the complaint and I was led to believe that it would be handled with the utmost care and attention. I included my rivers license and a utility bill to further support my legal identity and residence. 

It is unacceptable that Experian has refused to investigate the complaint despite my direct involvement and authorization. I strongly believe that it is the responsibility of Experian to thoroughly investigate all complaints and take appropriate action when necessary. I am relying on Experian to comply with the Fair Credit Reporting Act ( FCRA ) and Metro 2 standards to ensure that all information in my credit report is accurate. Experian 's stall tactics are unwarranted, unethical and illegal. 

I am now seeking the assistance of the CFPB to ensure that this matter is thoroughly investigated and resolved. I urge you to take swift action in investigating the external agency and ensuring that appropriate measures are taken to prevent similar incidents from occurring in the future. 

Thank you for your attention to this matter. 

Respectfully, 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 2023-04-19
Company: Debt Recovery Solutions, LLC
State: MI
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Michigan XXXX XXXX Debt Recovery Solutions , LLC XXXX XXXX XXXX XXXX XXXX NY XXXX To whom it may concern : I am writing to you because you are reporting inquiries on my credit report that I do not recall. 
Please see items listed below : Debt Recovery Solutions , LLC Please forward me any documentation providing proof I applied for credit with this creditor. If you can not provide such documentation, then please remove this inquiry from my credit file immediately. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
On XX/XX/2021 I opened up a new line of credit through Synchrony Bank through the XXXX website. Purchase was for XXXX. 

A few days after a hold was placed on the activity. I called to try to resolve, they couldn't help until I received my physical card from them. 

On XX/XX/2021 I received the physical card. One I was able to speak with the bank they informed me they put a hold on the transaction due to a discrepancy. They stated that I had two purchases on my account of XXXX and XXXX. I told them the XXXX was mine and I claimed that transaction. The XXXX was not mine and was a fraudulent charge. 

They then proceeded to close my account, cancel my card and reissue me a new account and card. However the report through the Fraud Agency stated that I had requested the XXXX transaction as " fraud '' and did not mention anything about the XXXX transaction. For whatever reason the bank no longer saw the " XXXX '' transaction within my records. 

This was a misleading event. My bank told me about two purchases, I said one was fraudulent, they deleted for whatever reason from their records the fraudulent claim and then said I said the XXXX transaction was fraudulent, which it was not. I cancelled the fraud investigation, but now I have wasted a week for a purchase I was willing to make and pay off. 

This is blatant incompetence and potentially damaging to my credit which I did not deserve to receive. I completed all the appropriate actions to ensure a smooth transition but the company was nowhere able to support the needs and mislead me on what had occured and how it was recorded.

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 2018-05-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On Fri XXXX XX/XX/2018, I was sent a overnight XXXX package from XXXX XXXX, an employee of JP Morgan Chase Bank NA, thanking me for my home mortgage lending activities. From Jp Morgan XXXX XXXX XXXX. XXXX XXXX, NJ XXXX, contact XXXX. After I received it I called XXXX and various employees of Chase Mortgage and have yet to come up with an answer as to why I received a HMDA Public XXXX when I do not own or applied for mortgage. My first name on label was spelled wrong, but the cell phone number on the label was in fact my cell phone number at the time. 
The address was to XXXX XXXX XXXX XXXX, but real address is XXXX XXXX XXXX XXXX XXXX CA XXXX. 
My name is XXXX XXXX and I have been a victim of Identity Theft. I rent at the address, but people that own it were going through a mortgage. 
I need to know why I was sent this HMDA. 
Contact me XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: EQUIFAX, 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:
I have been trying without success to get fraudulent information removed from my credit reports at the XXXX major agencies. This is a long standing problem and I have lost faith that it will ever be resolved but it is over 6 years since the last activity and the information will drop off soon XXXX XXXX closed and wrote off the account in XXXX but it listing a payment in XXXX. This will prolong the time the fraudulent information remains on my reports. To my knowledge there was never a payment made by me in XXXX. Please help me to get this removed so the fraudulent account will drop off my credit next year I have been damaged enough. Also I have not missed any payment on any accounts in my name since I returned to the XXXX over XXXX years ago please make sure my credit reports reflect my actual payment history. 
Thank you. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: WELLS FARGO & COMPANY
State: FL
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 with product or service terms changing

Complaint:
On XX/XX/XXXX, I received two letters of denial from Wells Fargo. Included are these two pictures. 

In the pictures below, you will see a legitimate police report on identity theft, an FTC ID Theft report, and two denial from Wells Fargo stating that the incorrect information from my identity theft will still be published. My identity was stolen a couple years back and actually the deeper Im looking, it looks like it is much prior than I originally thought. XXXXWells Fargo consumer ID XXXX, Dispute case ID XXXX and XXXX. Wells and XXXX  is blatantly punishing a victim of identity theft. Wells and XXXX  has failed to provide reason, or provide legitimate proof with any reason as to why they made a denial on my identity theft. This is done in bad faith and is a violation of the FCRA. Wells and XXXX  are mandated by law to keep accurate and up to date records all of which they have failed to do. Wells has failed to provide legitimate actual documentation as to why they denied my claim. They also provide no steps to determine that the account information is accurate and up to date, two years later still being punished for identity theft. If they want a lawsuit, theyll get it. Wells and XXXX  have violated have violated FCRA section 607 compliance procedures and failed to furnish and keep an accurate report. Wells Fargo bank and XXXX  cant tell me my identity wasnt stolen, because it was. They also violated section 611 procedure in case of disputed accuracy, by mis treating inaccurate and unverifiable information, as they failed to send me proof, as the burden now rests upon them. They are also in violation of section 617 negligent noncompliance and are purposely keeping inaccurate records on my file that should not be there. They also violate section 623 by reporting information with known errors and submitting it as accurate. Wells and XXXX  now have the burden of proof to show why my claims got denied other than a boiler plate answer, that it was found verifiable without showing any known proven methods. There are more additional laws and causes of action that I will add if Wells Fargo and XXXX continues to violate my rights. I am in good standing with all banks. Any decision that doesnt result in this will be fully disputed. Included is have I been pwned data on security breaches that further confirm identity theft from old emails. Legal : I have the right to amend this statement.

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