BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-22
Company: WAKEFIELD & ASSOCIATES, INC.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I've received a debt collection form a third party. I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX for them to release my medical information to Revenue Recovery Coporation. 

I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization. 

They do not have my HIPAA release form therefore in violation of the HIPAA Act of 1996

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: EQUIFAX, INC.
State: TX
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:
On XX/XX/2020, I sent the attached letters to XXXX, XXXX, and Equifax requesting an investigation of the erroneous accounts currently being reported on my credit report. It has been over 30 days and they have yet to provide me with the investigation results and by law if the CRA 's were not able to verify the derogatory accounts within the time allotted, the accounts must be deleted from my report. I am filing a complaint because the negative accounts are hindering me from obtaining credit and I am trying to purchase a home. The unverifiable accounts are : XXXX - XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXXXXXX Bank 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 response to consumer: Closed with explanation
Consumer complaint received 2021-05-22
Company: BARCLAYS BANK DELAWARE
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: Account status incorrect

Complaint:
In XXXX I found out that I was embezzled and identity stolen to commandeer several accounts in my name. Two personal credit cards originally opened legitimately, were supposed to be closed or inactive, one for Barclay Bank, and the other for XXXX XXXX  ( see attached ). Unbeknownst to me, they were taken over by a former employee, XXXX XXXX, who charged over {$100000.00} on two credit cards by forging signatures. There were balances left on the cards, and eventually the companies charged off balances as bad debts, listing them as delinquencies, even though that was 100 % fraud. I found out through a telephone call from Barclay Bank about the first card which had a ~90 day past due balance. The XXXX XXXX  account was discovered still open with a balance after checking my credit. I notified both banks and let them know this was fraud, however they would not believe me. However they said they would listen to law enforcement if the perpetrator was charged. Due to the complexity of the case, the perpetrator, XXXX XXXX, XXXX XXXX XXXX XXXX, was not charged until this year by the XXXX XXXX District Attorney 's office for these crimes. She was charged for two class XXXX XXXX, was XXXX  and is now awaiting a XXXX  or XXXX. I have disputed both accounts since I was aware of the fraud, however the two cards are still listed as delinquencies on my credit reports. These claims were investigated by XXXX Police detective XXXX ( XXXX ) XXXX or ( XXXX ) XXXX, as well as by XXXX XXXX, XXXX XXXX a former FBI XXXX XXXX crime investigator, ( XXXX ) XXXX, email : XXXX. The accounts were actually illegally paid by the same person who embezzled from them by intercepting the mail, and paying them through a corporate account illegally, so I was unaware the accounts were being embezzled for about four years starting 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 2020-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Both XXXX and Transunion have been habitual offenders for dropping my credit for no intelligent reason. XXXX XXXX is reporting these mistakes. My credit erroneously dropped from XXXX to XXXX. My credit belongs at the excellent level of over 800. When these mistakes occur it takes several months to repair. The algorithyms are written to XXXX the consumer. Whatever my high balance has been on my credit cards, it has been XXXX   out consistently at the end of the billing period. I have paid my mortgage for 3 years on time. I have paid the lease of my car on time for 2 1/2 years. Bills are never late.

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 2021-11-04
Company: World Acceptance Corporation
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I signed up for credit monitoring about 2-3 years ago, I noticed some inaccurate information and things on my bureaus. I took the time to go one by one and reach out to the companies with the inaccurate information. World Finance is one of the creditors. So the first or second time I spoke with someone they told me that they had investigated and was aware the account was not my account. They removed the account, then the account was back on the bureaus. Had reached out like 40-50 times with them. On a lot of occasions I was given the run around. Last month I tried reaching out again and it was the same scenario. It was verified and removed then here again its back on my credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: Santander Consumer USA Holdings Inc.
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX my bill did not go through account with missed payment. I am kindly requesting SANTANDER CONSUMER USA Opened XX/XX/XXXX to remove this missed payment from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
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:
I saw an account from XXXX appearing on my credit report today XX/XX/20 ; The only reason I was checking my report is because I am going to trade in my car in the next month or so. That account does not belong to me and I didn't allow anyone to open it using my personal/confidential information. I don't know who is responsible for this but I have already filed a police report. I did not benefit anything form this account being open in my name nor did I ever make any payments towards this account. I am not affiliated to that company in any way and I never gave them permission to access my credit information. I have filed a complaint with the Consumer Financial Protection Bureau regarding this unauthorized 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 2021-11-04
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 am challenging the incorrect information with XXXX and XXXX on my credit report. Where XXXX clearly violated the law. XXXX put on my credit report an account numbers that is not my and the balance are false. The one month terms payment of an account that is completely close. Furthermore, XXXX mortgage is Fraud. The account is false, the date and the amount false. XXXX Mortgage is attempting to collect an alleged debt on the basis of fraud. XXXX making demand for payment on a mortgage paid in full. XXXX decided to ignore my demands for Validation. Validation of the debt XXXX XXXX, XXXX and XXXX. I need an ( actual accounting ) 2. Verification of claim against me ( a sworn affidavit or signed invoice! ) 3. copy of the contract binding both parties under Federal Debt Collection Practices Act ( FDC PA ). Im challenging this account with XXXX and XXXX of the Federal Debt Collection Practices Act ( hereinafter FDC PA ), Fair Credit Reporting Act ( FCRA ). Provides me with strict proof section 609 ( a ) ( 1 ) ( A ), I authorized this accounts such as signed applications or contracts in wet ink signature. Failure to substantiate the claim, Delete/remove accounts 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 2020-09-07
Company: Merchants' Credit Guide Company
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:
On XX/XX/2020 Merchants Credit Guide added a derogatory remark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this 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 and say its mines. According to the FCRA, Merchants Credit Guide has violated my rights as a consumer and I'm requesting legal actin to remove this account immediately.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-05
Company: Monterey Financial Services LLC
State: CA
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/XXXX my husband and I were scammed into a travel agency that promised discounted travel points like a timeshare for a loan amount of approximately XXXX. After signing up we never received real points and were not able to use what we just " purchased ''. We did not receive a product or anything in return which should make the " purchase '' null and void but XXXX XXXX XXXX XXXX XXXX XXXX ) had loop holes in their contract that allows them to continue to scam people and commit fraud when there are 100s of lawsuits against them. Therefore in XXXX, we obtained a lawyer which advised a cease and desist letter situation would be best after getting harassed for payment for something I couldn't use. In XXXX and XXXX, even AFTER the cease and desist letters to XXXX and Monterey Collections went out multiple times we still received many phone calls to collect a very high charged interest added amount for over XXXX in just one year. They argued that XXXX was in the right, that no one could save our credit and if we didn't cooperate this would ruin buying a home in the future and go under " real estate ", even though we hadn't purchased any type of home, hotel, or physical place to actually be able to set foot in. We have been fighting this since XXXX and now they want to put it on our credit and put as of XXXX and delinquent as if this were by choice when we had no say in the matter of fraud. Monterey Collections got scammed too by buying a debt amount that was wrongfully and deceivingly sold to us under false presences. This has been negatively affecting our lives and housing approvals for almost 5 years now and it is very discouraging, exhausting, and unbelievable how there are no rights for me to get this removed from my credit report. How many more people have to report XXXX for places like the Consumer Credit Bureau and XXXX to help us by not accepting their debt claims?

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 2018-02-11
Company: WELLS FARGO & COMPANY
State: NJ
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My complaint to XXXX XXXX XXXX XXXX website not answered. They call 5 times a day, & I tell them the same thing : payment will be brought fully current the next time I get paid on XX/XX/XXXX. They say ok, but then they call again & again, 5+ times a day for 2 more weeks because they cant stop the robocalls.

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 2020-09-10
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Fraudulent accounts were opened using my identity. These accounts are having an adverse effect on my credit files. XXXX, Equifax, and XXXX  are reporting accounts that are not mine and are allowing these collection agencies report false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: EQUIFAX, INC.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start teh investigation on these accounts on these accounts. I am never been late in this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Education loan shown on credit was fraud. The school was a fraud and education credentials were not honored. Numerous attempts to remove from credit report. Unfair fico score reporting as well.

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 2020-05-30
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Citibank closed all my accounts without notice. I had over {$2300.00} in cash back on my Double Cash card at time of closing. Phone rep told me there is nothing I can do. Rep stated that I lose my cash and points because of the closure. It seems wrong that the bank would close my account and take back my cash back balance. I am seeking {$2700.00} for this account which includes activity that would have posted to my cash back.

Double Cash Balance as of XX/XX/20 XXXX XXXX Activity Purchases XXXX Payments XXXX Pending payments 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 2023-02-11
Company: Bridgecrest Acceptance Corporation
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XX/XX/XXXX I had certified mail a NOTICE AND DEMAND TO CEASE AND DESIST COLLECTION ACTIVITIES PRIOR TO VALIDATION OF PURPORTED DEBT. Bridgecrest had continued to violate my rights. On XX/XX/2023 I had received a bright yellow colored envelope in the mail. The contains in the envelope was a response from my CERTIFIED MAIL. Below are actual documents from Bridgecrest. Im the envelope Bridgecrest didnt send me the information that I had requested from the company. Instead Bridgecrest had sent a copy of the alleged vehicle loan. Below are information in which would help with this investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15
Company: ID Analytics, Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I submitted a compliant with you all about a month ago on Sagestream LLC. They in their response to you all they said that I could fill out the request to freeze my report online through their response to you all and I did email them the form to freeze my report but to this day it has not been frozen yet. I haven't heard anything from them since I filled out the form to have my reports frozen on their website via CFPB response from them

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I saw an account from XXXX appearing on my credit report today XX/XX/20 ; The only reason I was checking my report is because I am going to trade in my car in the next month or so. That account does not belong to me and I didn't allow anyone to open it using my personal/confidential information. I don't know who is responsible for this but I have already filed a police report. I did not benefit anything form this account being open in my name nor did I ever make any payments towards this account. I am not affiliated to that company in any way and I never gave them permission to access my credit information. I have filed a complaint with the Consumer Financial Protection Bureau regarding this unauthorized 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 2021-05-19
Company: Santander Consumer USA Holdings Inc.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Problem after you declared or threatened to declare bankruptcy

Complaint:
Santander Consumer USA settled a multistate lawsuit with 33 states. The settlement resolves allegations that Santander violated consumer protection laws by exposing subprime consumers to unnecessarily high levels of risk by placing them into auto loans that Santander had determined had a high probability of default. 

My loan met the same criteria. I purchased my vehicle in XX/XX/XXXX and defaulted before XX/XX/XXXX. I've attached my loan documents for your review. 

I received notice from the MD Attorney General 's office outlining the relief I'd receive as a result of the settlement. I would receive a restitution payment and loan deficiency balance waiver. Neither of these have happened. Santander has only made payments to 2 entities so far. It has filed a motion with the NJ Bankruptcy court to have my chapter XXXX vacated so that it can repossess my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
National Credit Adjusters reported a debt to the credit reporting agencies and never sent me any type of notification. I sent them a validation letter and they have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I was alerted to the renewed fraudulent activity from a credit report I sent off for so that I could once again renew a freeze on my credit. This is the second time I have had to do a police report due to this woman 's continued use of my identity. I have been married for the last nine years and any and all documents, credit cards, loans or otherwise are under my married ( XXXX ) name not my maiden name ( XXXX ). I will be sending a copy of my social security card as as my current drivers license and the police report that clearly show that my name is XXXX XXXX XXXX, NOT XXXX XXXX. I sincerely hope this matter will be cleared up quickly, for this is the second time I have had to send my information due to this company 's reluctance to close this account. The reason for not closing this account is unacceptable. I sincerely hope I do not receive a second letter stating that because the company is sending a bill to a fraudulent address that my account will not be closed. If this happens again I will be seeking legal counsel because I believe that I have shown all the proof required for this account to be closed.

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 2019-02-20
Company: PHH Mortgage Services Corporation
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:
XXXX and XXXX are reporting me as 120 days past due on the PHH Mortgage Svc and XXXX - partial account number : XXXX. These accounts have a {$0.00} balance and {$0.00} past due. This is harming my score. I have disputed this directly with the two bureaus but the coding has not been corrected. It is impossible to be late on payments to an account that has a {$0.00} balance and {$0.00} past due amounts.

Company response to consumer: Closed with explanation