BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-23
Company: BBVA FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Deposited my mothers XXXX check for {$4500.00} on XX/XX/XXXX the bank deposited it then several hours later decided to close the account and are now holsinging those funds. I have a durable power of attorney for my mothers financial transactions, I did mail that to bbva. Its been almost 2 months now and we are getting nowhere! XXXX XXXX XXXX is XXXX XXXX XXXX, bbva wants a hold harmless form from XXXX or XXXX XXXX XXXX, XXXX has been on 3 way calls with me and bbva and told bbva they do not do hold harmless forms and never have, XXXX XXXX XXXX said to have bbva ask for the hold harmless form from them XXXX XXXX XXXX and they will get it taken care of, but bbva still has not requested that form to get this taken care of. XXXX XXXX said if bbva wasnt going to release those funds they should have never taken and deposited the check in the first place! If this were an individual you would have been arrested for fraud for stealing for holding that money for so long.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-28
Company: Santander Consumer USA 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:
On my credit reports there is a closed account with huge amount of missed payments. SANTANDER CONSUMER U Opened XXXX XXXX, 2018 Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA SANTANDER CONSUMER U has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: Professional Debt Mediation, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The account was paid prior to the account been sent over to the collection agency " Professional Debt ''. 

I have disputed the account and asked for proof and have yet to receive any. 

However, I have proof from the original creditor, per statement dated XXXX/XXXX/2022, showing proof of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22
Company: Experian Information Solutions 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:
Disputed erroneous incorrect bankruptcy reporting on my Experian report. Experian stated they got the information from the courts or XXXX Risk Management. I have a letter from the court stating that is not true. I also have proof where my consumer XXXX file has been suppressed since 2019 ref # XXXX ref # XXXX. It is clear they do not ( the courts ) report to any credit bureau for that matter ; therefore the item was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately. Report # 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 2020-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
this account is not 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 explanation
Consumer complaint received 2022-01-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I do not have concrete dates as write this down for you. But I had money mysteriously disappear and re-appear on my account but actual refund was ever applied to my account after the funds went missing. Not that I could tell.

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 2021-05-21
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Navient has not been reporting to the credit bureau that I was making my payments on time and completely tanked my credit score. 

They have said that they fixed it, but I have no idea if that's true or not and I want this reported regardless. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
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: Credit inquiries on your report that you don't recognize

Complaint:
I currently have 7 hard inquiries on my TransUnion credit report that were not authorized by myself in relation to obtaining a mortgage. This is fraudulent information. I have contacted TransUnion in relation to this via telephone to no avail. I also sent off a 609 letter dispute letter via US certified mail asking for information being held by Transunion that shows original application/authorization from myself to initiate these inquiries, and received no response within the 30 day FCRA guideline. I also sent a demand to comply letter as a follow up to this issue to no avail.

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 2022-08-06
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian and XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Balance : {$660.00}

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 2018-07-17
Company: ALLY FINANCIAL INC.
State: MA
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 didn't know what this company and i didn't request from this company

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 2022-06-13
Company: EQUIFAX, INC.
State: TX
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:
There are several accounts being reported on my credit report. I do not know any of these companies. I have never done business with any of them. These collections companies do not not have a contact with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Accounts that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX Balance : {$760.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX : {$440.00} XXXX ASST XXXX Balance : {$620.00} XXXX XXXX XXXXXXXX XXXX Balance : {$3000.00} XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-05-22
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XXXX XXXX without any notice synchrony bank closed all of my 4 accounts before the closing my credit rating was XXXX FICO excellent payment history and credit utilization 9 % so there is not reason for them to harm my credit this way, this also can affect other creditors to do same because this would lover my score and would not approve any other new account that I will apply. I just bought a house this XXXX this new account confirm the income that I made I have a job no issues with my income, Syncrony bank is Affecting my personal financing and family all on this Pandemic and without a reason, I know that they are doing the same to many customers with good or excellent credit just for fear of the economic impact of this Pandemic this will affect any short, medium or longer project that I have in the future, I made Syncrony bank responsible for my credit damage and the consequences.

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 2019-11-13
Company: TRANSWORLD SYSTEMS INC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am repeatedly receiving robo calls from Transworld Systems Inc. telling me to call them concerning some debt they are attempting to collect. 

I am not indebted to any one or any company. I have never received any written notification from Transworld Systems, or  any other person or company, concerning any debt I owe. 

I refuse to give these idiots the satisfaction of calling them about a non-existent debt! They obviously have the wrong telephone number in their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: MidAmerica Mortgage Inc
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company has been some my advance payment a miscellaneous account then telling me I'm behind I notice that since the pandemic a lot of good company people are doing bad things like fraud and embezzlement has become a common practice here in the South their are systematically discriminating in handling people Money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Bank of America has not clear with XXXX County Clerk the " Satisfaction of Mortgage ''. In XX/XX/XXXX Bank of America was paid-off the loan mortgage XXXX # XXXX XXXX I had with that institution and re-finance with XXXX. I received a paid-off letter dated XX/XX/XXXX from Bank of America, which I will upload to you. Four years later when I am about to sell my house a title search done by the attorney reflects that Bank of America did not sent the " Satisfaction of Mortgage '' to the County Clerk to clear the lien, and Bank of America admits. Since XX/XX/XXXX when my attorney informed me this situation I have been calling the Bank to get this resolved. Unfortunately, up to now it has not been cured. Therefore, I can not set a closing dated to sell my house and may even be risking to lose the current buyer. 
Bank of America Branch at XXXX XXXX XXXX XXXX. XXXX, NY XXXX ( XXXX ) XXXX XXXX XXXX XXXX, Branch Manager and XXXX XXXX XXXX, Relationship Manager have taken the effort to resolve this situation. The XXXX # XXXX has been designated this time. I trust CFPB can help resolve this very serious issue affecting me and my family, for this irresponsible institution.

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 2020-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 was aware of this fraud account on my credit XXXX of 2020. I am not aware of where it came from or who used my information. Since XXXX 2020, I have been trying to get this account removed off of 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 2020-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

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 2019-03-15
Company: FORD MOTOR CREDIT CO.
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:
I am trying to close on a home, and I checked my personal credit report on XX/XX/2019 and I noticed many unauthorized hard inquiries had been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: Resurgent Capital Services L.P.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
LVNV continues to attempt to trick me into paying for a bogus debt. In XXXX of XXXX, I received a notice from XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX claiming to represent LVNV and were demanding for payment of a bogus debt in the amount of {$540.00} Re :  Acct # XXXX. I disputed this bogus debt via US certified mail on XX/XX/XXXX and requested for a debt validation/proof that this debt belonged to me. I received a copy of a bogus credit card statement from this law firm with no concrete proof of signature or any any contract showing a contract agreement between me and LVNV or XXXX XXXX, I again sent another certified mail to both LVNV and XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX asking for proper proof/validation of debt but I never got any. 

A few months ago, I got a bogus offer from LVNV offering a discount for this bogus debt, I again sent a letter asking for proof of validation and requested that they cease and desist from all communication if they are refuse to provide me with proof of my signature/signed contractual agreement for this bogus debt, never got one and did not hear from them again. 

On XX/XX/XXXX, I received a bogus email from XXXX XXXX from " XXXX XXXX '' claiming to represent LVNV and again demanding for payment in the amount of {$540.00}. On XX/XX/XXXX, I again received another bogus request from XXXX XXXX from " XXXX XXXX '' claiming to represent LVNV. I sent a official email back to this representative disputing this bogus debt and again asked for proper proof of validation/contract agreement with my signature but never received any. 

LVNV continues this debt on my credit report as a collection account, refuses to provide valid/proper proof of validation that this bogus debt is mine and keeps attempting to trick me into accepting to pay for a debt that is not mine. This company isn't adhering to the FCRA, they need proof that this account is mine. I have disputed this bogus debt with XXXX, XXXX and XXXX and they keep saying LVNV has validated the debt to be accurate, I want to see LVNV proof of validation that they provided to the credit bureaus and tired of this cat and mouse game.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SSN : XXXX DOB : XX/XX/1983 please be advised that a copy of this letter has also been sent via certified mail. 

the equifax, XXXX and XXXX credit reporting agency have all been dishonest in its investigation of this chapter XXXX & chapter XXXX bankruptcy being reported under my name, after receiving my credit report it was confirmed that the company XXXX XXXX was the supplier of this invalid account being reported, so I called them to request that I have this validated and they stated that they have not validated this debt with equifax, XXXX or XXXX, furthermore I went to the federal bankruptcy courts ( letter attached ) to attempt to gain any information being reported and they gave me an official statement that they do not furnish information to anyone or any credit reporting agencies. According to the bankruptcy court ( letter attached ) they do not verify bankruptcies with the credit bureaus. 

I demand direct, not third-party, proof according to FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) or delete the bankruptcy from my record according to FCRA, Section 609 a ( 2 ). 

please provide me with the courthouse name, address, phone number of who verified this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
XX/XX/2020,, Continued, Issues About These Matters,, Wells Fargo Still Have, 'nt Fixed Any Of My Issues At All,, Yes,, I Did Get ( 2 ) Response Dealing With A Week Ago On XXXX, XXXX And XX/XX/XXXX Both Of Letter Pretty Much Saying The Same Thing,, They Did Say In ( One ) of Letters About,, Unathorized Bank Account Settlement,,,, When I Did Call And Sent A Email To The Admistration About Issue It Redirect Me Back To The Company, Then Put On Hold For A While,, This Is So Unbusiness Like Conduct ,, I'm Very UnHappy With This Company,, When Is These Issue Going To Be Solved,, This Bank Have Not Paid A Dime Yet,,, What Is The Problem,, It Don't Take Long To Figure Whether They Where Wrong About Everything That They Did,, To Me And My Family,, Why Make Me And My Family Suffer So More About These Issues,, Old And New!!

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