BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-26
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: 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. XXXX XXXX XXXX {$1000.00} XXXX XXXX {$730.00} XXXX XXXX {$280.00} XXXX XXXX XXXX XXXX {$600.00} XXXX  XXXX {$570.00}

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 2021-03-01
Company: Ability Recovery Services, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
The original date of the debt incurred was on XXXX XXXX of XXXX, for {$300.00}, where I was in a XXXX XXXX and hospitalized against my will. Because it was against my will, I told them the state was responsible for the debt. 

The debt has since been transferred from XXXX XXXX XXXX XXXX Texas XXXX, to XXXX XXXX XXXX XXXX, which then sold it to XXXX, and apparently XXXX sold it to Ability recovery services, which has falsely reported it on my credit, causing damages by interest rates/lack of transfer offers on my cards, lower than appropriate pre-approvals for loans for the house I'm trying to buy, and significant XX/XX/XXXXfrom this which I'm having to talk to my XXXX about, and expect them to pay for. 

I attempted to dispute the debt with XXXX, however, they will not remove it saying the creditor is providing appropriate information. That's clearly not true since it's showing on my credit report as a new debt from XXXX of 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 2020-08-26
Company: Sequium Asset Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am filing a complaint against SEQUIUM ASSET SOLUTIONS , LLC, as I have made MULTIPLE attempts to rectify this account, as well as request debt validation, and the company has made no attempt to provide validity of the debt. I have requested a contract stating the amount owed as well as a surety of facts with a reasonable investigation and the company has failed to respond to any request. 

My request was delivered to the company on XX/XX/2020 and it is now 40 days since then and the company has yet to respond. 

Account - SEQUIUM ( Original Creditor : 11 XXXX XXXX ) - Account Number - 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 2020-08-26
Company: CL Holdings LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX, XXXX collected a debt via garnishment from my bank account on XX/XX/20 in the amount of {$1300.00}. This debt was originally for a XXXX energy debt, and the garnishment from my bank account satisfied this debt. 

However, the collection agency run by Ms. XXXX also had a garnishment placed against my state tax return, which they failed to release after the debt had been satisfied on XX/XX/20. 

As of the writing of this today on XX/XX/20, the state tax return garnishment has still not been released, therefore {$900.00} owed to me by the state has been held up wrongly because of the inaction of this collector to release the garnishment. 

I have contacted the office on several occasions, most recently on XX/XX/20 at which time it was verified that the debt was indeed satisfied but that they " somehow failed to '' release the tax garnishment. However, I contacted the state of Michigan treasury today, and they still have not received the garnishment release. 

I would like action taken against XXXX XXXX XXXX XXXX, XXXX for causing harm to myself and my family by failing to release this garnishment and thus preventing my state tax return from being rightfully sent to me. This has caused my family finacial harm during this very difficult season. We need this money and it should have come 6 months ago. XXXX XXXX XXXX XXXX should be held to account for this egregious error.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: ERC
State: IL
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:
On XX/XX/XXXX I received a notice for an alleged debt owed of {$600.00} to XXXX. This alleged debt I have previously disputed several of months ago and have yet to received validation. ERC ; please produce proper validation. If proper validation can not be produce in accordance to the FCRA then this alleged debt can not be reported against my credit bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: EQUIFAX, 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:
Equifax and XXXX  are reporting incorrectly that I am ( 60 ) days past due on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind it is impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: Nationwide Recovery Systems, Ltd
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX of illinios continues to sell debt not owed. Which is illegal and having been doing so for years bringing my credit down. In documentation i have provided a statement of payment in full due to all my medical debt due in the time of XXXX processed by XXXX  XXXX XXXX XXXX. This issue continues from XXXX XXXX to Nationwide Recovery systems, I have contacted All 3 credit Bureaus about this matter thru multiple letters an disputes. I am prepared to seek max penalty for these fraudulent charges holding me back in life if not properly handed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I need to see all bank transactions and statements that belong to this company that would prove my payments were not accepted on time or you need to remove these unverified late payments immediately. Please remove this late payment because it's Inaccurate and pulling down my credit score!

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 2022-10-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA
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: Card was charged for something you did not purchase with the card

Complaint:
XX/XX/2022 Bank of America called me about a past due amount on a credit card. I had forgotten that i had this credit card. After investigation, I learn that a co-worker had stolen the card from my desk. This co-worker is in a HR department that has access to my personal information. This Co-worker changed the phone number, email address, and mailing address to their address. They charged {$23000.00} on the card. After having conversations with the bank, and several months, I have learned that they closed the case. On XX/XX/2022 I attempted to reopen the case. I sent the bank a copy of the police report by fax and by mail. I also sent the contact information of the assigned detective. I have called the bank numerous times and I can't get in contact with anyone that can give me information or help me. I continue to get invoices in the mail and have not idea what the status is. I have a lot more information and evidence that these are not my charges. 
It has been years since i have seen this credit card so i do not now the card number. 
I have changed all the contact information back to mine so i can receive a bank 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 explanation
Consumer complaint received 2020-08-25
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is a notice of dispute pursuant to the Fair Credit Reporting Act, section 623, subsection ( 8 ) ( D ). The specificinformation being disputed is the derogatory nature of the information you have furnished to the creditreporting agencies in connection with the above mentioned account.The basis for my dispute is your company was required to notify me prior to, or no later than 30 daysafter furnishing the negative information to the consumer reporting agencies, in writing ... that suchfurnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, in my records I am unable to locate documentation you complied with thisrequirement.Therefore, provide me documentation of notification ( i.e. a copy of the notification sent ), and proof that it wasdelivered to me in a timely manner ( i.e. a dated certified mail delivery confirmation with my signature ) .If you can not provide proof of notification and date of receipt, then you can not substantiate youfollowed the procedures required under the Fair Credit Reporting Act. In addition, by not being able tosubstantiate you performed your duties imposed under that title, you are now in direct violation of it.Therefore, the continued reporting of negative information to the credit reporting agencies in connection withthe above mentioned account may constitute the furnishing of false information with malice or willful intent toinjure me.To correct this error you must delete the account in its entirety, or permanently block the reporting of saidaccount, report the results of your investigation to the consumer reporting agencies to which you furnished theinformation, and provide me written confirmation thereof.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
When I was with this Company back in XX/XX/2007, I asked them if their was any other programs out their that I could apply for due to the fact that I was just starting to work in a XXXX. Knowing this, the company not once offered me any choices knowing that their was one out their, called a low income based one. Meaning if i worked in a low income based XXXX for 10 years my loans would have been forgiven. I called this company that i'm currently with ( two years now ) and I've been with my current job now going on 10 years this XX/XX/XXXX my loans would be forgiven!! NOW i have to wait ANOTHER 8 years!! i asked the company when this program started, they said in XX/XX/2007. Which is when i started my current job that i have been with for almost 10 years now. When I asked the company if they can go back they said no sorry cant help you at all. Which people like me has to start ALL over. which that is ALOT of time lost and not fair what so ever. I have done my time and service. To tell me I have to start over, Their should be time knocked off and or my loans forgiven I have proof of the time that I have worked here at my XXXX and 10 years of taxes if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
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: Card was charged for something you did not purchase with the card

Complaint:
Bank of America VISA CC # XXXX I am an elderly person, and my card was lost/stolen back in XXXX when I was visiting XXXX. I requested a replacement card, but never received it in the mail. Since BofA credit card was not the card that I used, and I spend a lot of time at hospitals due to my health conditions, I did not notice that I never received the card in the mail. However, and I really have no idea how, somebody has received the card in person, and repeatedly made fraudulent transactions at jewelry stores and electronic stores across XXXX. I have talked to the police and filed a report for the claims to solidify my case, and prove I was not the person making these charges. 
The police report information is as follows : Police Report # XXXX - XXXXOfficer XXXX/Badge # XXXX.The fraudster has done this with my account/credit card multiple times and I have filed a claim for each occurrence : Claim ID # XXXX [ closed/claim was declined without anyone from BofA calling me or asking me for more information ] Claim ID # XXXX [ Still being researched ] Claim ID # XXXX [ Still being researched ] Two of the claims are still being researched, however, one of them ( Claim ID # XXXX ) has just recently been declined, and my account has been charged for the fraudulent amount of $ 9,000+. Nobody from BofA bothered to call me to ask for more information or to inquire about how all of this has happened. They have just " determined '' that these charges are not fraudulent. According to law, I must not be held liable for any unauthorized transactions made with the card, if reported promptly. Right now, I am really scared that BofA might decline all of these 3 claims and I end up being held liable for $ 20,000+ in purchases that I did not make. Given all the hospital bills that I have to pay, I can not really afford to be held liable for such big amounts that I did not even benefit from. Please help me with these claims, and closely monitor them, so that this does not happen. I will provide you with as much information as you need. If there is any document I need to sign, I will do so. I am really scared regarding the results of these claims, and according to law, I should be protected. Please help me. Thank you.

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 2021-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
On XX/XX/2021, I requested Transunion to conduct an investigation to an item on my credit score that I did not recognize as mine. According to the Fair Credit reporting Act, the credit bureau has 30 days to look into the dispute, based on the information provided. If its not verified within 30 days, then the credit bureau has to remove [ the disputed error ] from the credit report. Today is the XX/XX/XXXX and Transunion failed not only to do the proper investigation but also did not remove the inaccurate or fraudulent information. 

The account Name : 1. XXXX XXXX XXXX  - Account number : XXXX The above listed item is completely unauthorized by me and most likely fraudulent. Therefore, it is a very serious error in reporting. Please delete the above misleading, inaccurate and fraudulent information and supply a corrected profile to all creditors and reflect the new and accurate information on my credit file as soon as possible. 

Once again, the credit reporting bureau failed to provide any prove that the account belongs to me or was authorized to me or any financial instrument signed by me. I have never received any letter confirming the receipt of my complaint nor any letter stating that the agency started an investigation required by law and that had to be finished within 30 days of the receipt of my several letters. Again, I heard nothing back and it has already been over 6 weeks.

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 2018-09-22
Company: Harmon Law Offices, P.C.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Harmon Law PC has been sent a demand/automatic stay letter for 940 CMR sub section 7.08 and affidavit of automatic stay, both have been ignored. Harmon Law on behalf of XXXX XXXX XXXX XXXX XXXX not only has ignored these rules etc.. but also has gone ahead with putting notice of land court active military test in the local newspaper stating that their client XXXX XXXX XXXX XXXX XXXX has taken possession through assignment which again has not been proven.See attached which has been sent to Harmon in a XX/XX/2018 and ignored after sending me a letter stating that this process in on Hold. this is an illegal foreclosure whereas Harmon Law is proceeding without legal process. Both were sent via certified mail mail number is on top of the attachment letter. As you can see in the letter from Harmon Law PC dated XX/XX/2018 they in writing stated to " HOLD '' until this is met and have NOT!! I am requesting the CFPB do their jobs and hold Harmon Law accountable in keeping the laws and not breaking them as they are doing here. This is an illegal attempt!! Please see my evidences attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: PNC Bank N.A.
State: DC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Over the last several months I've been trying to link my PNC debit card with XXXX so I can participate in their roundups program, but have been unsuccessful. I used to be able to link my card with my XXXX account, but for some reason XXXX is telling me you/PNC are no longer willing to allow this. Why?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
XXXX reported this hard inquiry on my credit report that is FRAUD : US SM BUS ADMIN XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Business. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

I DID NOT apply for any Government loan. They will not remove it. 

XXXX still shows this fraudulent address after I have called 15+ times with a police report that states this is fraud : I have lived in Indiana at my current location 3 years since XXXX and in Indiana since XXXX. I have never been to NEW YORK or EVER lived there. They refuse to delete it. 
XXXX XXXX XXXX FL XXXX XXXX, NY XXXX XXXX XX/XX/XXXX Also they still Show CAPTIAL ONE/XXXX XXXX in XX/XX/XXXX as a hard inquiry that I went through you guys for them to remove. It is still there showing a hard copy on my credit report bringing my score down.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
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: Information belongs to someone else

Complaint:
I pulled my credit report and noticed I have accounts on my credit report that doesn't belong to me. I did not benefit from the accounts in any way

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 2020-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
XXXX XXXX was paid off. I sent the letter from them to transunion and they refuse to update info

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 2021-03-01
Company: Santander Consumer USA 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: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I requested credit reports on line from all three major bureaus, XXXX, XXXX, and Trans Union.  XXXX and XXXX responded properly. Trans Union said it could not provide my report and I must request it via XXXX, which I did. It then responded that it could not verify my address and asked for two pieces of proof, which I provided. It then responded that my report is " suppressed. '' I believe this attempt to avoid providing my report to be a violation of the Fair Credit Reporting Act and am requesting any assistance you can provide. Thank you.

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