BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-07
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am in receipt of a copy of my credit report reflecting invalid debt that I do not owe.I am for certain that I do not owe your company any money. For starters, I have never done business with you. In fact, I had never heard of your company until having received a copy of my credit report.What I find strange is your attempt to settle the debt with me when I don't owe you any money in the first place! Why would I settle on something I don't even know?! Again, I don't owe you any money! With all of that being said, please see this complaint as me disputing this alleged debt with your company as well as requesting debt validation with the signed COA.Thirty days is more than enough time for you to send CFPB and myself a response with legal supporting documents bearing that I've done some type of business with you, hence owing you money. Furthermore, State of Florida requires all collection agencies to be licensed and bonded in our state to collect on any debt you say I owe your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
SANTANDER CONSUMER USA XXXX Current Payment Status : In Collections/ChargeOff My car was totaled by a drunk driver while parked. My insurance company paid the full value of the car and what was left over around XXXX $ XXXX XXXX was from a extended warranty that I could not get a refund for. I eventually settled and paid, but Santander is reporting the account status incorrectly. 

Please see the reference article where Santander has settled for such practices. 

XXXX XXXX  XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28
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:
XXXX failed to contact me or CFPB within the allotted amount of time. 

Experian requested personal information ; full name, ss number, addresses for 2 years before looking into my dispute. 

XXXX gave no information within their allotted time frame. 

Please refer to my first complaint for details.

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 2019-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
XXXX XXXX # XXXX is double reporting an account with the bank on my credit. This account has also been paid off and is still reporting a balance and I never received a notice for my 30 day right to dispute in the first place. I need this removed off my credit as they are in violation.

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 2019-11-07
Company: Experian Information Solutions Inc.
State: UT
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:
XXXX XXXX # XXXX is double reporting an account with the bank on my credit. This account has also been paid off and is still reporting a balance and I never received a notice for my 30 day right to dispute in the first place. I need this removed off my credit as they are in violation.

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 2023-05-29
Company: Experian Information Solutions Inc.
State: WY
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:
XXXXme has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2021-02-10
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
An account that was paid in full and is still reporting on credit report and needs to be removed. The following account : -XXXX XXXX XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
Company: R.M. Galicia, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
According to the Fair Debt Collection Practices Act ( FDCPA ), all collection agencies must be licensed and bonded in the state where they operate. Failure to do so can result in legal action against them. Therefore, if you have been contacted by Progressive Mgmt System for debt collection, you have the right to take legal action against them. I will be filing a complaint with your State 's Attorney General Office.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-05
Company: Factor Trust
State: TX
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:
THE 3 BUREAUS AT IT AGAIN putting their names on other company hiding as another company so they don't have to honor the opt out b/c of ID theft of Ftc violation s

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I honestly dont remember the debt. I went ahead and told them that but also took responsibility to clear my name. I ended making a one full payment for the collection and they assured me they were gon na remove the collection from my report. It has been its been 45 days since they day I paid it off and it still shows on my XXXX report. I never received a payment confirmation letter or anything other than a confirmation payment. That was told to me over the phone they said I was going to get a letter and they were going to take that out of my credit. I called them again and they told me now that they dont remove collections that is going to show as paid collection, when I was told otherwise to convince me to pay it off. I dont even have my full account number. I just know the original creditor is XXXX XXXX and the collection was paid to NATIONAL CREDIT ADJUSTERS. My name is XXXX XXXX  XXXX XXXX and my social security is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Company: Ditech Financial LLC
State: AR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
DITECH IS NOW IN BANRUPTCY, WHEN SERVICING OUR LOAN, THEY DENIED SHORT SALE ETC..THEY CAUSED $ XXXX IN LEGAL AND ATTORNEYS FEES IN EXCESS OF $ 10K.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
XX/XX/2021 {$9600.00} After so much wait, my California XXXX XXXX XXXX got delivered but I can't get in. 
EACH TIME I TRIED TO ACTIVATE IT KEEPS SAYING WRONG SECURITY INFORMATION. 
I was at the Bank Of America with two forms of ID 's and got verified, they told me it will be resolved in a few minute but till now I can't access into my card. 
I have bills pending.

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 2020-11-30
Company: JPMORGAN CHASE & CO.
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Chase. I paid off my account waited a week to make sure nothing was wrong called up to close my account making sure there were no interest they said there wasn't so I closed my account and they mailed me a check of the over I had in there then they decided I owe money with no notification and forgot to tell me when I called them to explain the XXXX up they had no answer and I asked how is this my problem they didn't have a answer and never bothered to call me back

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-30
Company: BARCLAYS BANK DELAWARE
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 information incorrect

Complaint:
Hello, XXXX and BRCLYSBANKDE has failed to respond back to me about the Inaccurate information that is being reported by them. 

XXXX  never update my loan balance and payment amount and the old information never goes away because they fail to update my month-to-month revolving accounts. 

I have reached out to BRCLYSBANKDE and XXXX and now I am reaching out to you to request that you investigate and delete the unauthorized credit inquiry that is reporting to my XXXX  credit report, and also have them to update my month-to-month revolving accounts. 

Thank you for your time and help.

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 2019-11-07
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: Personal information incorrect

Complaint:
On my credit report shows a bunch of names for me. I was told by each credit check company all names would be removed except XXXX XXXX & XXXX XXXX XXXX. Any other names like XXXX or XXXX or last name being spelled wrong was suppose to come off my file. I'm hoping to get all this fixed up on credit file. 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
Consumer complaint received 2023-05-29
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2019-11-07
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have contacted each credit company to remove XXXX XXXX XXXX XXXX NY XXXX off my credit file and XXXX XXXX XXXX  XXXX XXXX ny XXXX. Some companies have removed others have not. Only XXXX XXXX XXXX XXXX XXXX NY XXXX should be on file and no other addresses. Hope to fix this up if not fixed already 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 non-monetary relief
Consumer complaint received 2023-03-20
Company: U.S. BANCORP
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XXXX XXXX XXXX XXXX closed my credit account with them. Im not sure why but I was paying off the credit card. In my credit report the credit card was marked as a charge off and not collections. On XX/XX/XXXX I received a notification from credit karma that between XX/XX/XXXX and XX/XX/XXXXXXXX XXXX XXXXXXXX that my account with XXXX XXXX XXXX was removed from my credit report from it being 7 years which falls on the statute of limitations here in Connecticut. 
A few days later I received a phone call and Text message from XXXX XXXX XXXX XXXX that I owe a debt in the amount of {$4300.00}. Then on Friday XX/XX/XXXX I received a letter from XXXX XXXX XXXX about an attempt to collect a debt. The mail was marked for XX/XX/XXXX and that I had until XX/XX/XXXX to dispute the debt. This doesnt sit well with me whatsoever. I do have proof that I received the collection letter on said date because I signed up with USPS informed delivery. I will include a screenshot of the email from that said day. I appreciate the help that I will receive. 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 non-monetary relief
Consumer complaint received 2020-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Identity Theft Affidavit and Police report were submitted on XX/XX/2020. The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together.

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 2019-09-27
Company: TD BANK US HOLDING COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Hi! I opened my Nordstrom Rewards credit card back in XX/XX/2019. I have made a few purchases and payments since then. I tried to login and make my payment on XX/XX/2019and was unable to get it. I called the phone number on the back of my card and they advised me after I made the payment that I needed to send in proof of my identity. I sent in a copy of my social security card, copy of my drivers license, and a utility bill. I kept calling to check on the status and no one could give me an answer. On XX/XX/19 at approx XXXX XXXX I spoke with XXXX operator ID XXXX and she said to me that she is closing my account because something is wrong with my social security number and I need to call the social security administration. I do know that isnt true because I have opened several accounts and just purchased a car, not to mention file my taxes with the same social security number that I have had for 43  years. I said to her that I do believe its a act of discrimination because you didnt close it until I send the copy of my drivers license. I have had this account since XXXX and my social security number had to be verified when you gave me the account. I have made my payments and extra payments. XXXX also asked me twice oh is this the first time this is happening to you and I advised yes I have several accounts and have never had this issue. XXXX advised it was her decision to close it and I advised I will obtain me a lawyer. This is not right and something needs to be done about it. Thank you. This has also been going on for almost a month and I have yet to receive any correspondence in regards to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
our mortgage company has over the years been increasing our mortgage and we are on a fixed mortgage and they do give as an explanation an escrow analysis and it came down to according to the mortgage company an increase in property taxes our problems with this are many it is nearly impossible to keep up with fluctuating mortgage payments and creates a tremendous hardship to the family in which we did fall behind by two payments in reality we requested to be taken off escrow when not delinquent and we were turned down in addition we were not treated fairly by the mortgage company as the only option they gave us under loss mitigation was to increase our mortgage once again it was only after i complained to them that the company gave us a denial letter and falsely claimed that i did not submit all information which i did by fax and have the documentation to pove it.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I have contacted each credit company to remove XXXX XXXX XXXX XXXX NY XXXX off my credit file and XXXX XXXX XXXX  XXXX XXXX ny XXXX. Some companies have removed others have not. Only XXXX XXXX XXXX XXXX XXXX NY XXXX should be on file and no other addresses. Hope to fix this up if not fixed already thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27
Company: Bread Financial Holdings, Inc.
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Comenity Bank applies payments in a fashion that is not disclosed to the consumer in order to create a balance subject to finance charges. Specifically when paying off a 0 % promotional purchase balance by the due date specified on their statement they have applied a portion of that payment to a monthly minimum payment prior to its due date. It is unfair and not clearly stated on their statement. Their customer service agents were unwilling or unable to explain it until escalated to a supervisor. The scenario they create by misapplication of payments allows them to unfairly charge interest/ finance charges. I have enclosed attachments that document what has happened in my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Company: First Data Corporation
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Back in XX/XX/2019 I had wrote three checks to XXXX and XXXX, I have waited two months after for the telecheck service to attempt present the checks to my bank, they never did cleared my account ive provide the telecheck company everything I got told to give them showing that the check didn't attempt to clear the account. My bank don't have any record of the checks. There are try to get me to pay returned fee. I've try to dispute it they disapprove my dispute.

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