BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-12
Company: Todd, Bremer & Lawson, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
On XX/XX/XXXX I sent in a letter for all credit Bureaus to verify all the accounts on my credit report. I received a letter with all accounts verified as accurate from trans union. Once i reviewed my letter of all accounts being verified i notice an account XXXX XXXX XXXX  # XXXX they are not the original creditor And supposedly bought debt. I notice they are reporting a balance of {$1500.00} which it should show {$0.00}. Since transunion did not verified that account correctly but yet stated it was accurate i ask them to deleted it immediately they did not i reach out and they still did not.

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 2020-06-01
Company: SIMMONS FIRST NATIONAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been dealing with Simmons Bank for over 2yrs to close a HELOC that should have been closed in XXXX ( it's XXXX! ). Simmons Bank held both my primary mortgage and HELOC in XXXX, TN from XXXX. The local team who handled all my banking needs were excellent. They provided support that I felt was above and beyond what I've experienced dealing with numerous banks over the years. During my XXXX career I moved 12 times and have owned many homes in the process so have some experience dealing with banks. I sold and closed on the home in late XXXX at which time both the HELOC and primary mortgage were closed out. In the year following the closing of the property I received several blank HELOC statements and made numerous calls to Customer Svc to ask them to close out the line of credit. On every occasion, I was told it would be handled. In XXXX during a refinance on my current home, I was informed from my lender that I have an active HELOC at XXXX. I called Customer Service and once again was told it would be handled and they asked me to sign and forward a form to complete the process. I immediately signed and forwarded the form. Today, XX/XX/XXXX, I receive another statement and late fee for my XXXX annual fee ... yes people, you can't make this up! I called immediately and spoke to a Customer Service rep who couldn't assist me but wanted to put me in touch with the local branch that I dealt with back in XXXX. I asked to speak with a Supervisor and was told she wa n't permitted to do so. She asked for my contact information to have the Loan Officer reach out to me which I provided. I asked for the Loan Officer 's name and number which she informed me she could only provide their first name. Now that's customer service!! At this point, I'm concerned about their poor administration and handling of this matter. Especially since they are showing a late payment and likely may or have reported to the credit agencies. So, impact to my credit rating? Let alone, there's a HELOC in my name against a property I haven't owned in 2 1/2yrs which could easily be subject to fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Capital one credit card I dont have the exact amount anymore but I already paid them in full regarding our settlement two years ago. 

XXXX credit card I already paid them in full 3 years ago XXXX   XXXX Already paid them in full around XXXX of this year. 

XXXX credit card Never been late in payment and paid them in full XXXX Paid them in full already

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Credit Card companies have started charging XXXX XXXX fees for the purchase of XXXX. Which is treated as a material item by the U.S. Government. So how can they legally charge the consumer as a XXXX XXXX? When it is not? So i'm being forced to pay the 5 % + the immediate interest rates of a XXXX XXXX as well as the Reseller XXXX is also being charged a fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have been trying to get information from the bureaus about my credit file. The are not responding to my request and it has been almost 4 months and 2 request made within those 4 months.

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 2020-11-27
Company: JPMORGAN CHASE & CO.
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:
OnXX/XX/2020, JPMCB CARD add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX  XXXX add a hard inquiry on my credit report per XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-10
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: Account status incorrect

Complaint:
Cant say enough terrible things about this shady company. Initial request for extension during death in family denied about 5 times escalated to supervisor and office of the President they honored.

I was going to refinance because of the denial but stayed because they honored they waived the balance which was fine then to my surprise they screw me over in my credit profile Ive never had 60 -90 days on any account in my entire life nor prior to or after with this account I was advised allow one billing cycle for it to be corrected twice then when that didnt happen and I followed up was advised info is reported accurately however extensions were processed inaccurately and training and coaching was being provided to the employees in question as a result of this. 

I again continued to dispute because o know what I was told many times over 5 weeks ago I was told allow up to 30 days yet again so today I call in supervisor says I do see where a request was sent to update then he says wait what your account is confusing there are definitely somethings in error here and many things not notated properly however they sent you a letter stating it was accurate again no it is not no it is not no it is not.

What kind of scam artists are you seriously? Worst time in life Ive clearly always been on top of this account which has been reiterated by your reps about 20 times now people like that dont get late remarks let alone 3 in a row IMMEDIATELY fix this error your rep again today stated this was done improperly and this should have been rectified however it appears it was not SO FIX IT

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 2020-10-18
Company: Santander Consumer USA Holdings Inc.
State: NV
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Santander has been involved in 34 Multi state lawsuit do to predatory lending.A Class action settlement has been file against Santander USA I purchase my Vehicle on XXXX XXXX.I tried several times to get this account removed from my credit report. Santander has agree to give relieve to all debts.The settlement States States that Santander shall provide additional Consumer relief as follows : ( 1 ) Santander shall not repossess and instead shall provide the title to the vehicle and waive the outstanding Loan balance for all Consumers who had a loss forecasting score of 401 or less and, as of XX/XX/XXXX, have Defaulted but have not had their vehicle repossessed and ( 2 ) Santander shall not repossess and instead shall provide the title to the vehicle and waive the outstanding Loan balance for any Consumer with a loss forecasting score of 401 or less who defaults in the future. Santander shall implement the relief as described in ( 1 ) and ( 2 ) by providing the relief in ( 1 ) prior to the relie f in ( 2 ). When the cumulative value of the outstanding Loan balances in ( 1 ) and ( 2 ) equals {>= $1,000,000}, Santander has met its obligations under this paragraph and does not need to provide additional relief pursuant to this paragraph. 12. Santander shall waive the Deficiency on Loans it Owns for a )
Mandatory Relief Consumers and b ) to the extent not included in a ), Defaulted Consumers who had a loss forecasting score of 401 or less at the time of origination, when the loan was originated between  XX/XX/XXXX and XX/XX/XXXX, and who Defaulted within 12 months of origination of the Loan. In addition, Santander shall have an obligation to buy back such Loans originated between XX/XX/XXXX and XX/XX/XXXX in order to waive the Deficiency for those Loans, as set forth in paragraphs 14 and 15 below. The Consumers entitled to relief in this paragraph shall collectively be referred to as the Deficiency Relief Consumers. If a Defaulted Consumer receives a  payment under paragraph 10 but is not a Deficiency Relief Consumer, Santander agrees that it will not collect on or sell that Consumers Loan for one year from when the Defaulted Consumer is sent. Do the this Judgment Im asking for the account to be deleted for my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: Santander Consumer USA Holdings Inc.
State: AL
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:
Attempting to have santander account remove due to recent law suit. No luck with XXXX and sayander keeps saying call attorney General. Sent info to XXXX with letter from attorney General and still reporting negative info. Info is supposed to be romped from report due to preditorial practices made by santander

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: T.S. Holdings
State: IL
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:
They have refused to fix or update my reports as I filed multiple disputes and have them the proper information. Not only did they not fix the error but they have allowed the reports to be updated. Their representative disconnected the call when I ask them to further investigate the errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-09
Company: NRA Group, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
National Recovery, the individuals allegedly persuing a debt of a XXXX XXXX bill, reported said debt to my credit report with no prior written notice of such claim, no account number associated with said amount due and no chance to pay debt, before they reported alleged debt to my credit. I deserve to have knowledge of said debt and a chance to reconcile such debt, before it impacts my credit score thereof. For such wrongful demeanor and unrelentness false reporting, I request the inquiry be removed. So, I have a chance to dispute such claim ( s ), before the claim has an impact on my CREDIT score, which National Recovery did not give me an option nor a written bill or any validation of said bill even existing prior to the reporting of alleged amount owed to the credit bureaus. 

Sincerely, XXXX XXXX ( Business Owner/Entrepreneur )

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
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 particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that DPT ED/NAVI has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
TODAYS DATE : XX/XX/XXXX I.C. SYSTEM, INC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very  serious I.C. SYSTEM, INC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL 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 2020-10-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4400.00}, {$9700.00}, {$5600.00}, {$0.00}, {$21000.00}, {$15000.00}, {$6700.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4400.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9700.00} -This is not my account. 

3. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$5600.00} -This is not my account. 


-- PERSONAL ACCOUNTS 4. XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$21000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 6. XXXX XXXX XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

7. XXXX XXXX XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6700.00} -This 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 2018-08-23
Company: Sequium Asset Solutions, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I learned about my debit when I was denied for a car loan. I had a perfect XXXX score and to my surprise, I discovered I had a XXXX and did not know why. After pulling my credit report it I found that I had a debt against me of over {$700.00} from XXXX. All I could find was the name Sequium Asset Solutions. I spent the next 3 days calling, emailing and leaving voicemails. I never received a return call. On the 4th day, I was able to speak with one of the rudest people I have ever spoken with. I was unable to provide any reference number as I had never received a single letter, email, or phone call notifying me of the debt. I was finally able to get the woman to pull up my information and they had an address that I hadn't lived at in 10 years. The woman continued to be rude and kept asking how I planned to pay for the debt. It appeared to be from an account I opened when I was XXXX, but that my parents had closed and might have not paid the bill. I don't have any proof of the debt or any paperwork on my rights or how to pay it, but yet they keep increasing the cost even though I was never notified. I learned of the debit on XX/XX/18 and set emails the XXXX, XXXX, XXXX. I also called all 3 days before finally reaching someone.

Company response to consumer: Closed with explanation