BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-14
Company: MSW Capital, LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent formal notice, via certified mail, to XXXX XXXX XXXX on X/X/2017 disputing a derogatory status on my credit report. The account is listed as closed, with a XXXX dollar balance, however, it states on the credit report that it is a charged off account. The account is reporting deragotory on my credit reports. XXXX XXXX XXXX responded with a letter on X/XX/2017 stating that ownership of the account was transferred to MSW Capital , LLC and on my behalf they have forwarded my inquiry to that agency. No disputes were placed on my credit report in the 30 day window as per Fair Debt Collections Act and the Fair Credit Reporting Act. I sent another letter, via certified mail, on X/X/2017 to MSW Capital , LLC requesting validation of the account and have never received ANY correspondence from them regarding my letter. By not responding in a timely manner, they have violated federal and state laws, and have also failed to furnish any documentation bearing my signature that the account is reporting correctly.

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 2022-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This account is not mine. I have called them numerous times to demand validation of the said account and get it closed because I do not want to mess up my credit, but they give me the runaround every time and have never received any validation. I have disputed this but had no resolutions. I was defrauded and scammed. The account was not to be opened and not to be reported. I have requested numerous times for the account to be closed. They specifically failed to validate a debt as I requested, which is a Fair Credit Billing Act violation. I am seeking a reasonable resolution to this situation. Their lack of response for mutual negotiation or the validation of this account, has not been completed. This account is to be updated as disputed or to be deleted from the credit reporting agencies due to the damage to my character during this account dispute. The company has willfully neglected my requests and have caused continual damage to my finances. They violated the Fair Credit Billing Act, and Fair Credit Reporting Act for the purpose of causing harm. The mental and physical health is under attack by the stress of this companies ' actions. They harass me and my family by threatening statements and constant calls. This is a scam & I was defrauded, I demand this to be thoroughly investigated promptly. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. This inaccurate account is being reported in my credit records and is hurting my financial stability.

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 2022-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have a collection reported from a medical visit by my daughter. Her father and I are divorced. Her provides insurance for her and is responsible for any amount over {$200.00} on medical fees. In XX/XX/2020 she was seen in an ER. The ER doctor did not file on her insurance and since I have sole custody my name was entered on the account. I disputed this collection in the amount of {$1600.00} and sent a copy of my divorce decree to transunion. 
I had initially stated this was not my account and then finding it was for medical service for my daughter submitted the divorce decree. Over the phone, I was assured this collection would be removed. on my XXXX XXXX account is was removed then it reappeared. I would like your assistance in removing this collection from my record once and for all.

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 2021-09-17
Company: Affirm Holdings, Inc
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I made a purchase of XXXX equipment and used Affrim 's payment plan. The Affirm company deducted payments from my account in the agreed amount. The Affirm company collected the agreed balance. Despite me paying the amount in full on Auto draft, the Affirm company still reported negative report on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have tried to communicate through Attorneys to resolve the inaccurate information on my credit report with XXXX XXXX XXXX and XXXX XXXX. XXXX XXXX agreed to correct the inaccurate amounts owed and remove the negative reporting of Three ( 3 ) XXXX XXXX/ XXXX XXXX  Duplicate accounts from my credit report, once the accurate amount was paid. I agreed and paid the accurate amounts. XXXX XXXX/ XXXX XXXX reneged on our agreement and continued to allow the inaccurate Duplicate information to be reported by XXXX XXXX and XXXX XXXX companies, which consist of duplicate accounts with different account numbers. 1. ) XXXX XXXX XXXX is a agency assigned by XXXX XXXX and XXXX XXXX to handle this account reference # ending XXXX. I paid {$260.00} dollars to accurately resolve and ( Pay in Full ) this account on XX/XX/XXXX. ***Paid in Full Letters Provided*** 2. ) XXXX is a agency assigned by XXXX XXXX and XXXX XXXX to handle this account # XXXX. I paid {$200.00} dollars to accurately resolve and ( Pay in Full ) this account on XX/XX/XXXX. ***Paid in Full Letters Provided*** 3.XXXX is a agency assigned by XXXX XXXX  and XXXX XXXX to handle this account # XXXX. I paid {$130.00} dollars to accurately resolve and ( Pay in Full ) this account on XX/XX/XXXX. ***Paid in Full Letters Provided*** XXXX XXXX and XXXX XXXX are duplicate accounts with different account numbers to deceitfully confuse the fact that these accounts are the same. ***

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 2021-09-17
Company: Bridgecrest Acceptance Corporation
State: IN
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am the Consumer and Natural person and my rights has been violated.

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 2021-09-17
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am filling a complaint because I want to pay my escrow and home insurance and the bank wants to charge me an escrow fee. I have an excellent credit score, never been late. 

Back in XX/XX/XXXX, I went to Santander Bank the Branch in XXXX MA, I brought with me the letter that I received from the bank. Previously I made a request to the bank that since I have excellent credit, and since XXXX I refinanced with them my mortgage it was time for me to pay my property tax and my home insurance without having the bank retain my taxes and home insurance plus the " cushion '' I was told to get out of this I need to pay 0.25 % of my mortgage balance which is a large amount. I had a mortgage balance of {$420000.00} and Santander sent the letter stating that in order for me to get out of this paying my escrow and home insurance I would have to pay {$1000.00}. I was upset and while I was waiting at the branch another customer said he went through the same thing and was XXXX, he refinanced with another bank he said it's like dealing with the XXXX. I spoke with XXXX and we got on the phone with the mortgage and requested to have the escrow and home insurance removed so that I can pay myself. The banker said that it was fine and that I would receive a letter in the mail to confirm it. But when I got the letter i got rejected again. I do not have the money to pay them the escrow fee '' times are rough. I recently sent the Santander bank my XXXX XXXX XXXX Real Estate taxes where you can see my taxes went down to {$2500.00} each quarter see attached. The escrow analysis was reduced by {$5.00}

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 2017-07-14
Company: EQUIFAX, INC.
State: FL
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: Other problem getting your report or credit score

Complaint:
Equiafax- dispute- X/XX/17 : I have observed that since my disputes to Equifax starting X/2017, this company has placed a FRAUD ALERT on my file even though I sent in a certified letter requesting it be removed from my credit profile. After this time, I was unable to view my credit report weekly through XXXX XXXX. Also, I was unable to find view my Equifax credit report on XXXX website that I subscribe monthly. Both XXXX XXXX and XXXX have told me that the Equifax report is not available and it is through no wrong doing on their part. Through XXXX XXXX I have not been able to access a current Equifax report since X/2017. I have not been able to access the EQUIFAX report through my XXXX subscription since X/XX/2017. I have since tried to go online to equifax.com and check the status of disputes that were done in XX/XX/XXXX- the website tells me that the website is down. I am unable to access my dispute results- which have not been mailed. I am also unable to file any more disputes because it states, the website is temporarily unavailable. This is what I have been told for the past 2 months. Out of curiosity- I had my husband to access his report through the same EQUIFAX website after I was told it was down and he was allowed to view his report and access dispute results from past disputes. it is clear that EQUIFAX has put some kind of freeze or block on my credit profile which has prohibited me from accessing and disputing errors on my report. I have been told that they are doing this type of unethical act to alot of consumers who have been trying to correct inaccurate information on their reports. I have kept careful records of their behavior and will not tolerate or accept this type of harassment from them. Please govern yourselves accordingly because I will not hesitate to contact a consumer attorney due to your willful and wanton negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
Company: Paypal Holdings, Inc
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
This financial institution put a hold on over {$80000.00} of our earned funds until an investigation could take place to deem if we could have access to it. After an unusually long period, they released our funds, but kept {$10000.00} on reserve to cover any " future risk ''. As a consumer, we have no right, we have to obey what they demand because we do not want to lose our money. It 's been over 60 days since we stopped using their institution and they still refuse to release our money, matter of fact, now they refuse to respond to our inquiries at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: WELLS FARGO & COMPANY
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
Emails regarding my account, that is brand new, were sent to my ex-husband who is not on the account and his contact was not included when I opened the card. Breach of privacy.

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 2019-05-10
Company: AR Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a car accident where a woman run me over, I used to have a lawyer and he did a deal with the hospital that I had to pay XXXX for the whole bill because the total amount was XXXX. I have the letters from Medicaid that they paid for that and I did paid too. The accident was on XX/XX/2018 2018

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
Company: Caliber Home Loans, Inc.
State: MS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
l been having problems with  XXXX   XXXX   XXXX  now  Caliber for 5 or  6 years. Back  in 2009 i los t my job got behind  3  payments. So they told me to apply for modication. While working on it i offer to pay up but they told me not to and still getting further behind. During this process i went through several agents and got the run around. So i had to filed bankruptcy to save my home which got me further in  debt.I paid 3  and half years (  XXXX  )  XXXX  a month.So i had to get out cause i could n't afford it .Recently i been applying for modification and getting the run around. The one tlime i did get it they released me cause of no payments but i sent it and got the receipts to show. So i do n't know where my money is .Now i am trying to hold to my house while stiill getting the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
I am disturbed that you continue to list the dismissed bankruptcy as confirmed. 

Type : Chapter XXXX Bankruptcy Status : D ischarged Date Filed/Reported : XX/XX/2011 Reference No. : XXXX Court : Us bkpt ct fl XXXX  XXXX Although it is your policy to keep reporting bankruptcies which are filed or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. 

The law states from date of adjudication or date of order for relief. Any case, civil or otherwise, that has been dismissed no longer exists in the eyes of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent. 

Therefore, it is only fair that in accordance with Section 1681 ( a ) ( 5 ) of the FCRA you delete this information from my credit report and please send me a updated copy when it is completed.

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 2017-07-26
Company: Americas Car-Mart, Inc.
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Purchased a car from carmart and would not fix car when asked so missed one payment and acct rep sd they were taking us to court and going to garnish our checks. Was rude and saying rude things.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
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:
Please be advised, I noticed the credit bureaus that I had been a victim of identity theft. Per FCRA I asked them to block information from my report. Not only did they ignore my request, it seems as if the are evaluation of the FCRA and the FTC. I sent a statement ftc report and proof of identity. It was also names on my report I never went by Accounts XXXX XXXX {$380.00} XXXX XXXX {$810.00} XXXXXXXX XXXX {$1200.00} XXXX XXXX {$1600.00} Please see attached FTC report for additional information amounts account numbers and off please like this information from my report as it was right please block this information for my report as Ive sent in the proper identification if I dont hear back from you and this is not a block within four days I will make a complaint with the attorney generals office and seeking to get a legal counsel XXXX XXXX XXXX XXXX XXXX XXXX All of the following names are fraudulent and needs to be removed. 
Please see attached FTC report and proof of identity 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 2019-07-31
Company: CITIBANK, N.A.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Ive been recieving all these inquiries and didnt know what they were until i did my research

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 2022-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I, XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : Late Payment from XXXX XXXX  Late PaymenXXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I sent a letter to the CRAs disputing fraudulent accounts as on XX/XX/XXXX and mailed them certified. It is now XX/XX/XXXX and I have not received a response from the CRAs. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), it is plainly stated you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item.

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 2017-07-14
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 is missing that should be on the report

Complaint:
I have numerous Hard Inquiries on my report, I have sent each company a letter stating that I wanted proof that the inquire was made by me with my signed signature, as of today I have only received a hand full of responses and non of them had a signature page with my signature on it. I would like for the inquires to be removed as I did not request anyone to pull 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 explanation
Consumer complaint received 2017-07-14
Company: PNC Bank N.A.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I purchased a used vehicle from XXXX XXXX, XXXX, FL, not only did they add some XXXX XXXX 's to my car loan without my knowledge and consent, they actually added more misery by putting on tires that were not even safe even though they sold me a {$400.00} tire policy, then the {$1500.00} car maintenance plan added to my PNC Bank loan they are failing to repair the recall on my airbags on my XXXX XXXX XXXX VIN # XXXX. Now a law has been passed in the State of Florida making sure dealers have money to repair used vehicles regarding this safety recall XXXX XXXX Occupant Restraint Controller. I have had no luck with XXXX Dealerships also, stating the part is not available. So then I called my PNC Bank to see if they can freeze my loan ( I pay XXXX per month car payment ) so they can impound the vehicle, have it in their possession until a repair can be made. Recently I was rear-ended and the first thing the collision body shop asked me is " did the air bag light go on ''. I have found a piece of bent metal before this accident and had no idea where it came from, it may have XXXX XXXX XXXX XXXX XXXX, but really threw it out not really knowing what it was. I do not feel safe driving in this vehicle or having my XXXX in this car. I live in the high humity area that they say is crucial to first be fixed. <P/>PNC Bank recommended I trade the vehicle in, and I know I will never get a decent value due to this recall, but I am worried I wo n't even be able to get rid of this car or have it fixed and want some help with this issue.

Company response to consumer: Closed with explanation