BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD SERVICE XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/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 2023-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2021-08-24
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: Investigation took more than 30 days

Complaint:
Recently I looked at a copy of my credit report and noticed this account. I feel that this account is adversely affecting my credit report I have disputed and contact them numerous times in reference to this account I've also provide them with a identity theft report this account is hindering me from purchasing my dream home. 

XXXX is the Balance

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 2018-07-21
Company: Experian Information Solutions Inc.
State: MI
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 to get my credit report and I see it hasn't been updated and I need my report update

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 2023-05-17
Company: EQUIFAX, INC.
State: MD
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 submitted a complaint last XX/XX/2023 and it was closed immediately. I submitted a complaint last XX/XX/2023 and it was closed immediately and marked as no further action. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NC
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 filed Chapter XXXX Bankruptcy on XX/XX/2020. One of the creditors listed in XXXX XXXX XXXX XXXX, HSBC Bank USA, N.A., of my bankruptcy petition, has sent me a 2020 tax year 1099C. Under the identifiable Event code, ( XXXX XXXX ) they claim it as XXXX XXXX - " a decision or policy to discontinue collection ''. It should in fact show in XXXX  XXXX the following code XXXX XXXX " bankruptcy ''. Due to the inaccuracy I would have to pay taxes on this " forgiven '' debt versus a " discharged '' debt through the bankruptcy. 
I will file a form 928 with my taxes in hopes that IRS will realize I do not owe this and it was filed in bankruptcy however I want this changed. I know I am not the only person this is happening to. HSBC has refused to talk to me and there was no point of contact included with the 1099C when it was sent. 
I feel that this is a shady attempt to get money out of people who are already in financial despair but who have done what they were supposed to do legally, to rid themselves of the debt. 
My Discharge from the Chapter XXXX bankruptcy was dated XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: SANTANDER HOLDINGS USA, INC.
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
XXXX I took an auto loan out for the purchase of a XXXX XXXX XXXX from Santander Consumer company. I made payment on this vehicle for 2 years. XXXX I had fell into some hard times with a move I made to Arizona. During this time my car ended up being approximately 2 month behind. 

Santander Consumer then made a threatening game of chain calling mine and my wife cell phone in hopes of obtaining money we owed. We would make agreements with them and sometimes pay them hundreds of dollar at a time. I recall an instant that I paid this company XXXX and they chain called me the entire rest of the day. 

My father was also involved in this. My father would lend me hundreds of dollars out of his bank account to pay them. In-fact my entire family was paying them right along with me. So eventually I sat in my fathers kitchen he lent me XXXX. I paid them in less then a week the car was gone I believe that the entire repossession was unlawful. They could have told me they were going to take the car instead of getting thousands of dollars. Through this scam they had going. 

I feel like I had been treated unfair. This company since the vehicle was repossessed has sold the remaining balance of the loan to some company. The car was sold I heard they kept our property. And now they want XXXX for a car they forced away and have back to the point where the vehicle is already been sold for the last 5 years. 

I spoke with my attorney " XXXX XXXX XXXX XXXXXXXX about the situation. The referred me to your bureau and said you might be able to help. I have bank statement, my father willing to speak along with my wife. My attorney can also vouch.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-25
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I was recently informed by a best buy customer service representative that I 've been paying for debt protection since XXXX of 2009. I never remember nor meant to sign up for this service. I contacted best buy to cancel this horrible service and receive a refund. A couple of days ago I received a notice that debt protection was cancelled but will not be given a refund because I " used '' the service. I 've never used this service and would 've never used this service seeing how I did n't know I had it. This is a scam and I want Best buy to refund my money.

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 2023-01-24
Company: Experian Information Solutions 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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$560.00} ; XXXX XXXXXXXX Balance : {$260.00} ; XXXX XXXX XXXXXXXX Balance : {$23000.00} ; XXXX XXXXXXXX Balance : {$0.00} ;

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 explanation
Consumer complaint received 2023-02-07
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
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:
Recently, I did an investigation on my credit report which has caused severe XXXX and XXXX  upon me, and found unverifiable, invalidated, inaccurate and questionable items that your agency didnt make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

On XX/XX/XXXX The credit bureaus stated Fifth Third Bank account # XXXX was properly investigated and came back as verified. However, how is that true when there are several inaccuracies showing on my report. With that being said, the open date is inaccurate, the date last active is inaccurate and date last reported is not accurate. This grounds for removal. They also violated my rights under 15 U.S.C. 1681 Section 604 A Section 2 As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- description of reinvestigation procedure. 

Below is a list of inaccuracies on Fifth Third Bank account # XXXX Inaccurately opened account dates : XX/XX/XXXX and XX/XX/XXXX Inaccurately date opened balance : {$240.00} and {$200.00} Inaccurately last reported on the account date : XX/XX/XXXX and XX/XX/XXXX Inaccurate date of last payment : XX/XX/XXXX and XX/XX/XXXX Inaccurate date last active : XX/XX/XXXX and XX/XX/XXXX Inaccurate monthly payments : {$35.00} and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-25
Company: Equitable Acceptance Corp
State: NJ
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:
Equitable acceptance which is a third party financial company did not reconsilidate my loans on my behalf in a timely fashion. However I renewed by yearly contract on time and made on time payments since XX/2016. Monthly payment was being made of XXXX and it decreased to XXXX monthly. The total remaining is XXXX and the complete total that was financed was XXXX. After this error, I went into collections causing my credit score to drop drastically. The BBB agreed with Equitable acceptance ; however I also filed a complaint with XXXX XXXX  directly who completed their investigation, sided with me and impacted my credit score on a positive note. My question now is how do I terminate my contract with equitable acceptance without impacting my credit score negatively? I refuse to make any future payments with them because they were not providing the  service that I was paying them for. Also they caused the negative impact to my credit score. I  attempted to speak to them directly but was told to " read my contract. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
SELECT PORTFOLIO SERVICING IS STRESSING ME TO THE THE POINT OF XXXX WITH THEIR ILLEGAL ACTIVITIES. I AM AT THE END OF MY ROPE. 
i am almost XXXX years old and in XXXX XXXX. I own investment properties in low income areas in XXXX and XXXX, Florida and provide housing to mainly XXXX and XXXX families who have lived in my affordable rent housing for years. 
SPS IS FORCING ME INTO FORECLOSURE AND BANKRUPCY. THEY ARE ENSURING THAT MY TENANTS WILL BE LIVING ON THE STREETS ALONG WITH ME AND MY FAMILY. 

THEY ARE NOW FORECLOSING ON XXXX XXXX BACKED LOANS WHICH WERE IN FORBEARANCE DUE TO THE COVID-19 MORATORIUMS AND LOSS OF INCOME DUE TO COVID. 

THEY HAVE INCREASED MY MONTHLY MORTGAGE PAYMENTS ON ONE LOAN FROM {$1300.00} TO {$2700.00}. THEY LIED THAT I WITHDREW MY REQUEST FOR MORTGAGE ASSISTANCE ON THIS LOAN. SPS HAVE SERVED ME WITH A FORECLOSURE NOTICE. 
NONE OF THESE ACTIONS ARE ALLOWED BY XXXX XXXX UNDER THEIR PUBLISHED GUIDELINES. 

I fell behind in my mortgage payments on 8 loans serviced by SPS - Select Portfolio Servicing , Inc. 4 of these loans are XXXX XXXX backed loans. I am current with 3 of these loans and in forbearance with 5 ( 3 are XXXX backed loans ). 
SPS IS ONLY OFFERING ME REPAYMENT PLANS ON ALL LOANS WHICH WILL RESULT IN MY PAYMENTS ON EACH LOAN BEING MORE THAN DOUBLED. 

I NEED HELP QUICKLY. MY XXXX XXXX IS NOW XXXX UP FROM A NORM OF XXXX. I CANT CONTINUE ANY LONGER. ITS XXXXXXXX XXXX  AND THIS IS MY LIFE. NO SLEEP. I WILL HAVE A XXXXXXXX XXXXXXXX SOON. 
.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: JPMORGAN CHASE & CO.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was scammed by an event organizer who seems to be operating alone. They claimed to be an organizer for events in XXXX, took a XXXX payment for a ticket to an event and sent over the ticket for {$150.00}. They then requested {$100.00} for a refundable deposit for the venue. After sending me the time and address as well as instructions for arrival, I went and was told that the event was full and I would need to buy a VIP pass for another {$100.00}. I did not send that amount, and instead went into the venue to find it completely empty. They then blocked my number. I have their email and cell phone, as well as the XXXX receipts and the number its attached to. I called Chase immediately to try and cancel the two payments of {$150.00} and {$100.00} but they said they couldnt help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Original Creditor : XXXX XXXX XXXX Reporting Company name : portfolio recovery. 
Bal. Reported : {$1300.00}. 
Claimed date of opening : XX/XX/ This account has been sold and charged off. I do not owe this dept.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: EQUIFAX, INC.
State: VA
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: Investigation took more than 30 days

Complaint:
Equifax and XXXX both have failed to respond to disputes timely. I submitted written disputes for collections, late payments and inquiries. These items are inaccurately and incorrectly being reported. I want all errors to be corrected by immediate deletion and discharge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: Experian Information Solutions 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:
XXXX XXXX XXXX Account number XXXX The Credit Bureaus stated my account was properly investigated but how is that possible the last date reported is inaccurate. The last date active is inaccurate, and the payment status says collection/charge-off this is inaccurate information because their can be to different payment claims it has to be either a charge-off or collection it can not be both. The payment history is also inaccurate in shows no activity for the last 3 years with that being stated no actually debt is owed. This is ground for removal and this is a clear violation of 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. Also states a consumer reporting agency can not furnish 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 explanation
Consumer complaint received 2023-09-14
Company: Paypal Holdings, Inc
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/XXXX venmo added two deposits and then obviously pulled them in the amounts of XXXX and XXXX. I was supposed to put them in to verify in the order I received them ... I did -- it says not able to verify account then just to make sure I switched the amounts from the amount last deposited to current and that did not obviously work either... contacted them where they pretended they already answered the complaint when they didn't -- so I told them I still needed help bc my bank XXXX XXXXXXXX says venmo is the one with the problem... we all see the deposits they're the ones saying they can't verify it. 


see below XX/XX/XXXX Icon VENMO Transfer + {$0.00} $ Transaction Type : Electronic transfer XX/XX/XXXX Icon VENMO Transfer + {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 reinvestigated my updated credit report, I see that some of the accounts were erroneous. The 3 credit Bureaus are required to revalidate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX  Balance : {$930.00}, XXXX XXXX XXXX  Balance : {$3300.00}, XXXX XXXX Balance : {$1200.00}, XXXX XXXX Balance : {$680.00}, XXXX XXXX  Balance : {$14000.00}, XXXX XXXX XXXX Balance : {$550.00}, XXXX XXXX XXXX  Balance : {$490.00}

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 2022-05-21
Company: Albert Corporation
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My bank, Albert, advertised a {$75.00} bonus for moving your qualifying direct deposit to their institution. I moved my direct deposit to my account and received the first deposit of {$1100.00} on XX/XX/XXXX. On XX/XX/XXXX I messaged them regarding the bonus because I had not received it. They advised that it had not been automatically detected y their system but not to worry it could be done manually. They requested a copy of my paystub, at which time I informed them it was a benefit deposit but that I did have proof. I sent them a copy of my benefits verification and was told to expect the deposit any day. 
On XX/XX/XXXX, after still not receiving the bonus, I reached out to their support team once again. I told them of the previous conversation and once again sent my benefits verification letter. They responded and told me my deposit did not qualify because it was benefits and not from am employer. I screenshot the terms and sent that along with a statement that it clearly states benefits do qualify but that short-term benefits do not. My benefits have been ongoing since 2002. They repeated their previous claim that mine did not qualify because it was not from an employer. They advised me to sign up for a new account and bring my direct deposit and then I will get the bonus. I told them I would be filing a complaint. Some days later it crossed my mind to check under the option to automatically connect and transfer my direct deposit and see if Social Security was an offered option. It turned out it in fact was as well as SSI being one. Still I am being denied the bonus.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation