BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-11
Company: HCFS Healthcare Financial Services of TeamHealth
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:
Despite Multiple written requests, the unverified Collections still remain on my credit report. It's my understanding that under the FCRA they have to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of the investigations, they stated in writing that they " verified '' that these items are being " reported correctly ''? No one has provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). of the FCRA. Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). And Under Section 611 ( 5 ) ( A ) of the FCRA they are required to " ... promptly DELETE all information which can not be verified. '' I have no idea who they are and I do not believe I owe this alleged medical debt. They are also reporting that I made payments on this account to XXXX? WHERE?! SHOW ME WHEN, HOW, WHERE! They have not provided Proof it belongs to me. And they continue to report this erroneous information.

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 2018-03-07
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CRA VIOLATION / NO KNOWLEDGE OF THE ACCOUNT / TOO MANY INQUIRIES NOT AUTHORIZED BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: Experian Information Solutions Inc.
State: SC
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:
These inquires were added to my credit report as a result of attempted fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
PRA claims I owe on a XXXX XXXX  from XXXX. The only XXXX I owned was included in my Bankruptcy XXXX XXXX of XXXX. My attorney is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX. 

Every time I call PRA I get the run around, this debt was more than likely bought for pennies on the dollar. I'm guessing most of these situations, people just pay. Not me, this will be going to the top.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18
Company: LEXISNEXIS
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I requested my public records be suppressed from reporting through Lexis Nexis and was granted my request on XX/XX/XXXX who reports to all 3 major bureaus. in XX/XX/XXXX I filed bankruptcy and noticed it was reported to all 3 credit bureaus 4 months after I was approved to have them suppressed from reporting. I have spoken with them on several occasions and they have been giving me no answers to how this could have happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Complaint # 1 - Failure of Select Portfolio Services , Inc. ( SPS ) to comply with NY Real Prop Actions L 1304 ( 2016 ) with regards to required proper notice as it specifically relates to a Subprime Home Loan. " Notwithstanding any other provision of law, with regard to a high-cost home loan, as such term is defined in section six-l of the banking law, a subprime home loan or a non-traditional home loan, at least ninety days before a lender or a mortgage loan servicer commences legal action against the borrower, including mortgage foreclosure, the lender or mortgage loan servicer shall give notice to the borrower ( s ) at the property address and any other address of record in at least fourteen-point type which shall include the following ... .. '' The 30 year interest rate for a mortgage in XX/XX/XXXX ; the year the loan was originated was 6.32 %. The interest rate charged at the time of origination exceeded 9 %. Complaint # 2 - Failure of Select Portfolio Services , Inc. ( SPS ) to fully respond to legitimate requests for information - XXXX XXXX XXXX. Specifically, SPS did not respond to the inquiries to the following : 1-Whether there is a pending or planned foreclosure proceeding ; 2-Sufficient proof of debt as requested on XX/XX/XXXX ; 3-If the account is registered with XXXX, state its MIN number ; 4-Copies of ALL endorsements, recording, allonges or other indicia of all transfers since note was signed. Specifically, with regards to XXXX XXXX XXXX, per notification on XX/XX/XXXX and XXXX XXXX XXXX XX/XX/XXXX by XXXX XXXX XXXX XXXX, XXXX, per notification on XX/XX/XXXX. 5-The date your firm began servicing the loan and any previous servicer ( s ) of this loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2018 @ approximately XXXX I made a cash deposit through the ATM at the TD Bank Branch, XXXX XXXX. The machine took the money and then returned some. During the transaction and after keeping {$1500.00} - {$1500.00} the machine stopped an error message appeared my card was kept and no receipt given. 

I went to branch the next day and was told 3-5 days to solve, then 5-10 days now way past that time I received a letter stating there was " no error ''. I am not permitted to speak with the person making the decision, but was told they " reviewed '' the video and that's it. No documentation, no audit of the machine, no acknowledgment that my card was taken. Bottom line TD does what it wants and I'm out {$1500.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-14
Company: Experian Information Solutions Inc.
State: NC
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:
There are many mistakes appear in my report without my understanding.

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 2018-11-14
Company: JPMORGAN CHASE & CO.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2017 I saw that I haven't applied for a chase card. I call up the company to tell them that it was mistaken identity but never took it off my credit report. They told me that this will stay on my credit report. I have no idea about this account, can you please take this off!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-14
Company: Convergent Resources, 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:
On XX/XX/2020, Convergent Outsourcing, Inc. added a derogatory mark on m credit report per XXXX XXXX and XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Certified debt validation letters were sent to Convergent Outsourcing, Inc. on XX/XX/2020 and again on XX/XX/2020. Both times the company sent me a letter saying the debt is valid and attached a bill with no signature or contract as verification. A bill with no signature or contract does not verify/validate this account/collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill saying it's mine. I have no knowledge of this account/collection and it does not belong to me. According to FCRA, Convergent Outsourcing , Inc. has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.

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 2017-11-11
Company: Experian Information Solutions Inc.
State: VA
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 informed XXXX of an issue in which the individual granted POA abused it by opening numerous accounts and failing to return a vehicle under the SCRA. After speaking with the company and coming to an agreement that upon paying a balance they would remove the negative content since it was caused by someone other than myself. I informed them they failed to retrieve the vehicle over 6 months after being notified by myself that this individual still had it in their possession. I accepted some financial responsibility because I should have trusted someone more responsible. Nevertheless, I made the payment to XXXX and instead of removing the derogatory information, they sent me the attached notice saying the account was settled in full and then reported it to all credit agencies as settled for less than the amount. They went back on their word and because I put my trust in them I was not able to go on my XXXX XXXX and my security clearance remains at risk.

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 2020-06-30
Company: WELLS FARGO & COMPANY
State: CA
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:
On XX/XX/XXXX, someone fraudulently used my Wells Fargo debit card in a liquor store for {$300.00}. On that day, I never left my house and have only one debit card which was in my pocket and is never lent to anyone. I have never been to the liquor store and had to XXXX it to even know what it was. While reviewing my bank accounts in early XXXX, I discovered the fraudulent transaction and contacted the bank. They reversed the charge and began an investigation. Claim number XXXX On XX/XX/XXXX, Wells Fargo sent me a letter ( which I got 10 days later ) saying that they had investigated and concluded that I had used or permitted someone else to use the debit card. This was based on information received from Visa - essentially that their electronic system showed a card number, pin and chip signature that matched. I was not given any information on what the card number, pin or chip signature was. I was then assessed the {$300.00}, plus {$2.00} for the use of a non-Wells ATM. 

I called the customer service number provided and was told that the bank uses the Visa data as conclusive, that I must have given the card to someone to use or had it physically stolen ( neither were true ), and that they had no ability to reverse the finding. I was told by the specialist that my only recourse is to file a police report and hope that a criminal investigation done by our local police will show something different. I was also told that I had to prove that I didn't let someone use the card - in other words, that I am a liar and have to prove an impossibility. I was also told that there was no recourse to contact VISA about the quality or details of their investigation. I was told that they would mail me their documentation. Essentially, I was shut out of any real resolution and called a liar in the process. 

We have been WF customers since XXXX and maintain multiple business and personal accounts, but will no longer do so. I was ripped off twice - first by whoever stole my card information and then by Wells Fargo. This is not the first error by Wells Fargo that we have had to address, but it will be the last.

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 2017-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
XXXX reps will not help me remove an inquiry for a credit card after they canceled the application. 

XXXX website stated I could apply for the card and use it for an order on their website. Today XX/XX/17. Online price expires tomorrow and the XXXX credit card rep told me I could not use it until I received the physical card so I stopped the application. I called another XXXX credit card rep and they told me to talk to XXXX regarding this situation when I asked to have the inquiry removed from my credit or if I could somehow finish the application and use the card. XXXX rep told me it would be fine and I could pay for it now then change the order to the XXXX  card when I received it. 

Called XXXX credit card services to finish the application again and they are telling me it was canceled and that I will have to have ANOTHER inquiry on my report in order to get the card. I 'm requesting that XXXX remove the original inquiry since their rep was not educated enough to help me with my order and made me cancel the application.

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 2017-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
On or around XXXX XXXX, 2017, I sent a letter asking TransUnion to remove several inquiries because I did not recall authorizing them. They sent a letter back denying my request.

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 2018-11-14
Company: WELLS FARGO & COMPANY
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: Account information incorrect

Complaint:
Im an authorized user in a credit card with Wells fargo. I called them to remove myself from that account, I dont want to be an authorized user anymore. They told me they will stop reporting that account to my credit report, that was a month ago and as today they still reporting to my credit report. Please stop reporting that account to my credit 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 non-monetary relief
Consumer complaint received 2018-06-16
Company: CL Holdings LLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX XXXX XXXX XXXX XXXX, placed a collection on my credit report on XX/XX/2018 from a old XXXX XXXX debt. The account was already previously removed from my credit report and they some how were able to place it back on without sending me any written notices or letters. I have never received an official document from them. When I did dispute the collection they then threatened me on the report saying Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department. But I still have not actually received any official letters or documents from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-14
Company: Upstart Holdings, Inc.
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
Upstart networks is a fraudulent charge company, reporting a fraudulent account on all 3 credit bureaus. Upstart is reporting that I opened a loan with XXXX XXXX  and XXXX. I received a call from over 2 months ago that they deemed this fraud and would be removing the fraud account on file with XXXX XXXX and XXXX and never did. remove the FRAUDULENT MARKING ON ALL 3 CREDIT BUREAUS IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11
Company: Experian Information Solutions Inc.
State: WA
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:
XXXX reps will not help me remove an inquiry for a credit card after they canceled the application. 

XXXX website stated I could apply for the card and use it for an order on their website. Today XX/XX/17. Online price expires tomorrow and the XXXX credit card rep told me I could not use it until I received the physical card so I stopped the application. I called another XXXX credit card rep and they told me to talk to XXXX regarding this situation when I asked to have the inquiry removed from my credit or if I could somehow finish the application and use the card. XXXX rep told me it would be fine and I could pay for it now then change the order to the XXXX  card when I received it. 

Called XXXX credit card services to finish the application again and they are telling me it was canceled and that I will have to have ANOTHER inquiry on my report in order to get the card. I 'm requesting that XXXX remove the original inquiry since their rep was not educated enough to help me with my order and made me cancel the application.

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 2018-06-22
Company: Diversified Adjustment Service, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
From XX/XX/XXXX to XX/XX/XXXX they have called 47 times, sometimes 3 to 5 calls a day.

I have told them several times that we do not acknowledge this debt, but they continue to the point that I stopped answering the phone. The company is Diversify Adjustment Services.

I have a wife that had XXXX XXXX XXXX, but they keep on Colling.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
Company: Experian Information Solutions Inc.
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:
ftc violations item unknown XXXX, XXXX  XXXX XXXX, XXXX, XXXX inquires that i'm not aware of

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 2018-11-14
Company: WELLS FARGO & COMPANY
State: MS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Wells Fargo Home Mortgage systematically aided in the foreclosure of my home ( XX/XX/2016 ). Over the course of my illness ( XX/XX/XXXX-XX/XX/XXXX ), I repeatedly attempted to get either a modification and or payment reduction on my home mortgage. The assistance that I did receive from Wells Fargo was anything but fair and judicial aid and support. Instead of a reduction of any type, my monthly mortgage note was increased. Additionally, I inquired with Wells Fargo to see if I was one of the 625 individuals affected by the so called " glitch '' which lead to so many of our homes being foreclosed on, I was sent correspondence informing me that my home foreclosure was not affected. Over the course of seven years, I suffered XXXX/XXXX  and other debilitating illness. My income as an XXXX was affected, and I aggressively pursued help from Wells Fargo in the form of written request for mortgage modification, and the lowering of my monthly payment. Wells Fargo 's modification approval resulted in the demand for higher provisional payments that would systematically result in my inability to make such high monthly payments. My complaint against Wells Fargo is for their egregious mortgage practices which ultimately lead to the foreclosure of my home. Additionally, to add insult to injury ; to state that my home foreclosure was not affected by their so called " glitch '' which inevitably took homes from hard working individuals like myself. I have been the victim of a mortgage company that clearly steals not only money from Americans, but rob individuals of their hopes and dreams of becoming home owners.

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