BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-29
Company: Diversified Adjustment Service, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Dear CFPB, Diversified Adjustment Service sent me a letter dated XX/XX/2018 demanding for a debt of {$320.00} for which no information or knowledge to such debt was affirm. I requested for validation of such debt and none was sent beside an itemized bill to which I challenged looking at the inaccuracy. 

No communication on phone was made and I demand all letters are certified. 

Diversified demands money for an alleged debt for which no proof of said debt, nor proof of ownership of said debt, has been verified and exhibited. Please whereas no exchange of money of goods or services occurred between XXXX XXXX and Diversified Adjustment, therefore XXXX XXXX cites failure of consideration and request the following. Please explain why they demand for such debt. 

I responded to their request on asked for validation and they never validated the said debt within the required the 30 days period on my credit report. But they instead sent a bill. 

Meanwhile, I do not have a contract with Diversified and no service have been provided by them to XXXX XXXX, I demanded for their right of subrogation and they instead continued reporting on my credit report as if I owe them debt. And they put in dispute after 45 days which is a violation of Federal law as the required period is 30 days.

I hereby request Diversified Adjustment to explain to me why they violated Federal laws of the 30 days period, delete my account and explain why they are reporting inaccurately without providing me their right of subrogation. I also want diversified to know that their inaccurate reporting has cost me huge interest and credit denials and as such I request that diversified compensate me with {$1000.00} for violation of federal laws by reporting inaccurately, and by falsely representing on debt to which they have no said claim. 

Attached are proofs of communications. 

XXXX, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I had a business called XXXX XXXX XXXX XXXX XXXX with a business partner. In XXXX of 2020, my business partner made a deal with the chase to pay a reduced amount for the credit card since we closed the shop due to XXXX. 

They told him not to pay the monthly fee and then can negotiate. My business partner did that, and when XXXX and our business made a deal and paid off the credit card, somehow they closed all of my personal credit cards as well. and my XXXX score went down over XXXX points in one day. When my business partner called, they said it wasn't supposed to happen and I wasn't supposed to affect like that but they didn't do anything to reverse/correct it. Now it still shows on my personal record that I had a late payment, and my credit score is still low. I am sure they will have a voice recording of our phone conversations. 

I didn't know the government had a service to try to fix it. So I am writing to you guys to see if I can get it corrected.

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 2022-12-30
Company: Smith Debnam Narron Drake Saintsing & Myers LLP
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
If SmithDebnam does not answer to this complaint honestly and truthfully, or deceptively do not answer to this factual allegation, I will report you to the NC XXXX XXXX, SmithDebnam, a lawyer, tried to collect the wrong amount over and above ( XXXX ) what XXXX  have been trying to collect ( {$23000.00} ) unlawfully and had their lawyer send me a letter that was unlawful. 

This is illegal and they have violated my rights! 

It is clear that they have been reporting one amount to the credit bureaus, and another amount they had their lawyer send me a debt letter demanding money that is over XXXX more than what they originally have been posting! 

SmithDebnam is out of control please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: U.S. BANCORP
State: OR
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
USBank is sending me much too many spam marketing emails. These are pure spam marketing email, not notifications about the accounts etc. I have no problem with useful emails. I'm talking about strictly marketing. 

These spam emails have no unsubscribe option. 

There is no preference in my account profile online to opt out of marketing spam. 

I call the best number for consumer support at USBank to get them to opt me out of their spam. They moved me to another division. They transferred me to another division, they transferred me to another division. That division was going to put my call through after I convinced the computer that neither of the two options they offered were my problem, but it disconnected me. I did a web search and found a special page to opt out of USBank marketing XXXX. It had a number to call. I called that number. 

After investigation USBank 's opt out specialist couldn't find a way to opt me out of USBank marketing spam. 

This may be the wrong place to complain, but unsolicited marketing spam should provide an opt out link on the email.

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 2016-04-03
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Santander makes it impossible to close a bank account with them. I attempted to close my bank account by sending an email to Santander requesting my account to be closed, however they stated that they can not do this via email and would have to call. I then called them on their banking phone number and they told me that the " Bank Account Closing Department '' was closed, despite it listed as being open 7 days a week on their website here : XXXX Not closing my account after repeated requests is a violation of consumer protection laws, and I am now demanding that Santander close my account, unless they want to be taken to court for willful negligence. This is the worst experience that i 've ever had with a banking institution, and with these practices, I do n't see how they have n't been sued already.

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 2022-06-16
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-12-30
Company: Experian Information Solutions Inc.
State: NJ
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 appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy 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 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 for XXXX XXXX XXXX Account # 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

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 2020-11-04
Company: TRANSWORLD SYSTEMS INC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Step 1 : What is this complaint about? XXXX Step 2 : What type of problem are you having? REPORTING on my credit negatively destroying my credit. 

Step 3 : What happened? XXXX bill put in my name without my consent. 

Step 4 : What company is this complaint about? XXXX Transworld System collection agency Step 5 : Who are the people involved? 
XXXX  and transworld system.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
For months I have always paid my bill on time and always pay the first week of every month. My bill due date is around the XXXX every month. I got a few late fee 's that I didn't see until paying my bill one day. I wrote them and got it resolved and the fee 's and late payment taken off. On the phone the woman admitted that if I pay my bill always the first week there is no way it could be late. 

Come last month I get a {$30.00} late fee and I know what is next addional fee 's so I wrote them again and got a bot that didn't answer any questions. So I waited till the next day and wrote them. They said they removed the last late fee ( Which was their fought ) and will not remove anymore. 

I sent them over screenshots showing every month I have paid over the amount due and some months I pay 2 payments to help pay the bill off before interest occurs. I told them to show me proof of why the payment is late and showing them proof that I always have made the payment on time. And even went on to say this happened before and it was your error. 

They in return as of today killed my log in. So I know they are going to try to get fee 's, late fee 's and such. I think why they XXXX  my account is I showed them proof they are doing fee 's when I was on time. I also told them I was going to turn them in to the credit card oversears such as yourself. Today I tried to log in to see the error. A friend of mine also uses synchrony and logged into his account fine. So I'm sure they are pulling some stuff. I contacted XXXX and told the if I can't log in I can't pay my account. And told them I am turning them over. 

I am uploading proof that my account has never been late and their practice are straight garbage. The company is synchrony I have several cards with them but only one left to pay off. I think they get very upset that I always pay off before interest occurs. 

I am including including my message to them. You can see by my payment history that I have paid always on time. Sometimes paying 2 times the same months to drop the last pay off. A always work to pay off my bills early. And I am confused as if its always paid by the first week when how and why could a late fee occurs. I have included in my statements which only shows the last few numbers of my account. I have all my statement only uploading a few. 

Mainly I want this to be a paper trail when they don't allow me to assess my account and add a bunch of fee 's when I have to go to court I'll have bases to sue them.

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 2023-01-06
Company: General Motors Financial Company, Inc.
State: IL
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:
Consumer complaint narrative In accordance with the fair credit reporting act this creditor has violated my rights under 16 USC1681section 6 o 2 states i have the right to privacy 15 USC 1681section 604 a section 2it also states that consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666B a creditor may not treat a payment on a credit card account an open-end consumer credit plan as late for any purpose. XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2021-12-29
Company: Halsted Financial Services, LLC.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XX/XX/2021 Dear XXXX XXXX, XXXX XXXX XXXX has purchased your XXXX XXXX XXXX account from XXXX XXXX XXXX. 

Your account has been placed with our office for collections. We understand that this can be an unpleasant experience, but we want you to know that we are here to assist you. 

We want you to feel like a person, not an account ( it is sort of our thing ) We have payment options available online 24/7 if you would like to make a payment. 

If you would like to resolve this matter, but are unable to take advantage of the options offered on our portal, ( seriously, take a look and tell me those are not some sweet options ) please don't hesitate to contact us at ( XXXX ) XXXX or simply respond to this email so one of our account representatives can follow-up with you as soon as possible. 

Current offer : Up to {$450.00} off in up to 18 payments View My Options Have questions? Call us at ( XXXX ) XXXX or simply reply to this email so we can assist you. 

The law limits how long you can be sued on a debt. Because of the age of your debt, XXXX XXXX XXXX can not sue you for it, and XXXX XXXX XXXX can not report it to any credit reporting agency. 

This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. Unless you notify this office within 30 days after receiving this notice that you dispute the validity of the debt or any portion thereof, this office will assume this debt is valid. If you notify this office in writing within 30 days after receiving this notice that you dispute the validity of this debt or any portion thereof, this office will obtain verification of the debt or obtain a copy of a judgment and mail you a copy of such judgment or verification. If you request from this office in writing within 30 days after receiving this notice, this office will provide you with the name and address of the original creditor, if different than the current creditor. 

Our Reference Number : XXXX Original Creditor : XXXX XXXX XXXX  Original Creditor Account Number : XXXX Current Creditor To Whom Debt Is Owed : XXXX XXXX XXXX Current Creditor Account Number : XXXX Total Balance Due : {$910.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: CITIBANK, N.A.
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Okay so right before the week leading up to XXXX I was struggling financially and I made a post on social media asking for help, Shortly after say later that day a guy reaches out me and says the XXXX XXXX wants to help me but he couldnt use XXXX XXXX or third party payment apps, he told me even over the phone like very thoroughly explained it all and said he was sending my assistance over via e-check and I could have it in less than a few hours after I cash it, I was so excited and in need of food and groceries, gas etc I didnt realize it could be fake, why would a scammer pay someone else and not ask for anything in return so now here we are, and now I look like a bad person a scammer who purposely did it when I didnt the lady at CitiBank when I called yelled at me out of nowhere when I told her it wasnt me. Its a whole mess now

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 2022-01-03
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I entered into a COVID-19 Forbearance plan with SPS to cover XXXX, XXXX, and XXXX, XXXX and a late payment for XXXX, XXXX for an amount totaling {$4400.00}. 

On XX/XX/XXXX, SPS sent a COVID-19 Forbearance agreement with a total amount of XXXX, reflecting a calculation error identified as a two-month late payment in the document. 

On XX/XX/XXXX, I wrote to SPS to inform them of this error and to have it corrected. I received a confirmation of receipt letter from SPS in response, but nothing that addressed the issue. 

On XX/XX/XXXX, SPS sent a letter informing me that my COVID forbearance was ending soon ( XX/XX/XXXX ) and that I needed to resume making mortgage payments. I resumed making on time mortgage payments in XX/XX/XXXX and have continued for XXXX and XX/XX/XXXX. 

In XX/XX/XXXX I completed a COVID-19 Forbearance Deferment form on the SPS website . The SPS deferment agreement was in the amount of {$5900.00}. I did not accept the agreement and again wrote to the XXXX XXXX at SPS on XX/XX/XXXX for help resolving the issue. 
SPS responded in writing On XX/XX/XXXX to state that {$5900.00} reflected mortgage payments from XXXX through XX/XX/XXXX. 

I wrote to the XXXX XXXX at SPS again on XX/XX/XXXX, providing detailed documentation of the error and asking for assistance to resolve the issue. SPS responded on XX/XX/XXXX stating that they had already addressed the issue and referred me to their letter of XX/XX/XXXX. 

I telephoned the XXXX on XX/XX/XXXX and explained the situation again to a live representative. I was told at that time I would have a resolution no later than XX/XX/XXXX. I received no communication from SPS and called the office again on XX/XX/XXXX. 

On XX/XX/XXXX I received a phone call from the same representative, informing me that my mortgage payments for XXXX, XXXX and XXXX had been applied to the COVID forbearance months, that the now {$1400.00} excess payment was an escrow shortfall adjustment, the COVID 19 Forbearance deferment was not being offered to me, that my account was now being referred for foreclosure and that my only choice was to pursue loss mitigation. My last two escrow statements do not reflect a shortfall. 

I have tried for months to resolve this with SPS. Instead of acknowledging the original calculation error, they have persistently tried to attribute it to different and factually inaccurate sources. It can be verified that I made the mortgage payments for XXXX, XXXX, XXXX, XXXX and XX/XX/XXXX. It can be verified that I did not have an " escrow shortfall '' in the amount of {$1400.00}. I can not ascertain whether my experience with SPS is a result of incompetence or criminal malevolence. I would like the matter resolved immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation