BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-03
Company: National Credit Adjusters, LLC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
National Credit Adjusters LLC claim I owe them a debt acct # XXXX for {$460.00}, and acct # XXXX for {$250.00}. I sent them a letter on XX/XX/2021. XXXX XXXX responded on XX/XX/2021 with a statement reference number basically just saying I owe them like a receipt of the account that they keep in house. All available documentation would be mailed to me within 90 days. As I told her 90 days doesn't suffice, whoever you're collecting for I should be able to get proof of this accounts. Since they verified it with the credit bureau it should be very simple for you to send me that same documentation. Unless they are not being honest with the credit bureau, which I know that's the case, and just validating accounts without any proof. Seems like a violation to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
my wife became very ill and was diagnosed with XXXX  XXXX and I have had to be her XXXX Due to the increased medical expenses with the treatments and medication, I have had to use the majority of income that I get and unfortunately her condition has not gotten any better. I have asked my mortgage company for the assistance that I all they tell me is to fill out there application which I have done many times and each time they tell me I am denied. All I want is to save my home and take care of my wife please I ask for assistance in this urgent matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.

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 2020-01-15
Company: Bread Financial Holdings, Inc.
State: MA
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:
There is an inquiry that has been placed on my credit report on XX/XX/2019 by Comenity Bank from COMENITY BANK/XXXX. I disputed this inquiry with the credit bureau ( XXXX ) asking them to verify the inquiry because I did not authorize the company or anyone to submit any application and if COMENITY BANK claims that I agreed for them to pull my credit then I want to see the original documentation with my signature for this inquiry, because the FCRA states the company needs to have permissible purpose. All that the credit bureau sent me was a copy of the credit report that says that COMENITY BANK verified or validated this inquiry when in fact I never authorize the bank to submit any applications for credit. What I received from the credit bureau is not enough to validate this inquiry. This application was submitted fraudulently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting 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:
I am a victim of identity theft please remove this fraud inquiry from 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 2022-02-22
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: Problem with personal statement of dispute

Complaint:
I sent a credit reporting dispute to XXXX, Transunion, and XXXX Credit Bureaus on XXXX XX/XX/2022, requesting that XXXX accounts listed on my credit report as XXXX XXXX XXXXXXXX, and XXXX XXXX be verified by requesting the companies provide a copy of the original signed contract between the debtor and myself, as well as pay disclosures, interest rate disclosures, balance histories, and payment histories of each of these said accounts. I requested these documents be provided via mail because I know they do NOT exist. I previously submitted a dispute asking each credit bureau to research these accounts for possible fraudulent activity and got the same response from each bureau that accounts have been verified. I believe that the bureaus are NOT thoroughly investigating my claims and requesting the proper documentation to validate debts but instead unlawfully not complying. I have attached the certified letter that was forwarded to all three major credit bureaus on XXXX XX/XX/2022 and am requesting that they request and obtain all proper documentation from debtors and accurately investigate my dispute which will determine that I have no signed contract with any of the debtors listed above.

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 2018-02-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
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:
XX/XX/2017 this has been going on for 3 months where Bank of america is over charging me for XXXX dollars, where i have made a purcahsed from target and XXXX XXXX XXXX and went to go do a refund but they decided to charge me for my refund which never made any sense please read my attached form which explains everything, i have lost so many hours and time with them on the phone, i even have to call them on my day off i mean who does that? someday i would be on the phone with them for over 4 hours or 6 hours this needs to stop!!

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 monetary relief
Consumer complaint received 2023-01-05
Company: Coast to Coast Financial Solutions, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I signed up for XXXX XXXX XXXX in XX/XX/XXXX and canceled their service within the same day. I received a full refund of my deposit from this company at the time. I then receive a letter from a debt collection company named " Coast to Coast Financial Solutions '' in XX/XX/XXXX claiming I owed {$11.00} to XXXX XXXX XXXX and never paid them. I never received any letter from XXXX XXXX XXXX  claiming I owed them money at any point and wouldn't owe them anything as I had never used their sevice. When I called XXXXXXXX XXXX XXXX to ask why I owed money I was told " We can't see what you owed or why now that it's passed on to the debt collection agency ''. I called Coast to Coast Financial Solutions to explain that I owed nothing and that I wouldn't be paying them. They stated over the phone that I would need to write out my complaint on the back of the letter I received and send it back to them. I was not contacted in any way after this until I received a letter from Coast to Coast Financial Solutions on XX/XX/XXXX stating they'd begin pulling my credit score and harming my credit until I pay them. This has led to me filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: Santander Consumer USA Holdings 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:
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 Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. 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 2021-12-29
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/XXXX, the Circuit Court for XXXX XXXX, FL, Probate Division, issued a court order ( Filing # XXXX ) ( File No. : XXXX XXXX ) for Truist Bank ( f.k.a. : Suntrust Bank ) to deliver certain safe deposit box contents of XXXX XXXX XXXX ( deceased ) to XXXX XXXX XXXX ( to be named personal administrator of the estate ). The safe deposit box contents are presently stored in the Truist Bank central vault somewhere in XXXX, FL. 

The court order was hand delivered to a local Truist branch in XXXX, FL, on XX/XX/XXXX. The same day, the Truist branch in XXXX, FL, e-mailed the court order to the XXXX XXXX where the central vault is located. I was told it would take several weeks for Truist to process the court order. 

As of XX/XX/XXXX, it has been 75 calendar days and the court order has not been complied with. This is unacceptable customer service and a wanton disregard of timely compliance with a court order.

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 2023-04-16
Company: EQUIFAX, INC.
State: LA
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 have important documents First off I want to say as being a XXXX  in the military I have never had any problems at all with banks are my credit. This is my Life u guys and I know you all have jobs to do Im not questioning that. But I am have problems when a person disputes the non factual errors I never receive any help but I have fought XXXX XXXX XXXX for our country leaving my family, my kids, my wife with no hesitation. I ask you guys is it fair I am a victim of identity theft please correct this XXXX XXXX XXXX, Equifax and XXXX XXXX thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
AS OF XX/XX/XXXX I HAVE NOTICED FAUD ACCOUNTS ON MY CREDIT REPORT Original balance- {$720.00} Account number-XXXX Open/closed-Closed Date opened-XXXX XXXX XXXXXXXX Account type-Secured Loan Status-Paid, Closed. 
Status updated-XXXX XXXX Original balance- XXXX XXXX  Monthly payment -- Last payment date-XXXX XXXX, XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX INCOMPLETE ACCOUNT 3 IS GROUND FOR REMOVAL AND DELETION OF THIS ACCOUNT 15 U.S. CODE 1681C-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft NOT LATER 4 BUSINESS DAYS AFTER DATE OF RECEIPT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09
Company: Receivables Management Partners, LLC
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Proof of validation was sent out to rmp llc and XXXX XXXX XXXX I believe they are in violation of HIPAA PRIVACY ACT releasing my medical records to a third party agency I request for proof by sending me the HIPAA release form No reply back

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
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: Their investigation did not fix an error on your report

Complaint:
A XXXX XXXX hard credit pull from XX/XX/19 should be removed from my credit report. It has been on my credit report for over two years.

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 2022-12-31
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XXXX XXXX XXXX XXXXXXXX XXXX  XXXX allowed a fraudulent ACH debit to be made on our checking acct - {$390.00} on XXXX - TD has been ineffective in recovering it or providing information on who submitted it - our XXXX fraud dispute filed on XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-22
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: Account status incorrect

Complaint:
Upon checking my updated report, the accounts listed below are still showing on my credit report. I have already sent out letters to TransUnion Bureau for them to verify and investigate those accounts. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : Collection : US DEPT ED XXXX Balance : {$1800.00} Date OpenedXXXX US DEPT ED XXXX Balance : {$2300.00} Date Opened : XX/XX/2018 Late Close : DPT EDXXXX XXXX Balance : {$0.00} Late Open : DPT EDXXXX XXXX Balance : {$3600.00}

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 non-monetary relief
Consumer complaint received 2023-04-16
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: Their investigation did not fix an error on your report

Complaint:
i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact XXXX, XXXX and Equifax through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
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: Information belongs to someone else

Complaint:
I was checking my credit report and i found out that there are many information which doesn't belong to me. I checked all details from credit report, and i saw, that you have wrong Date of birth XXXX, CORRECT DOB is XX/XX/1988. 
So i believe, that someone used my personal information to apply for these accounts, please, make sure You will inform all XXXX bureaus about this mistake. 
Because these accounts my credit score is very low, i'm not able to apply for any credit cards or loan, and You know, the situation with Covid-19 is very difficult and now is very hard to survive.

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 2021-02-04
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent mail to all three bureaus to dispute some accounts that are inaccurate and erroneous and unknown and yet they still remain on my credit reports. Its been over 60 days and I have yet to receive a response. These companies are unfairly taken advantage of me as a consumer and on top of that I am being injured financially in a very horrible way during Covid. Section 611 ( a ), plainly states that a failure to investigate these items within 30 days gives reason for these items to be removed from my credit report. It has been over 60 days so they should be promptly removed. I demand these accounts be deleted immediately or I will file litigation for the stress you are continuing to cause me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2023-11-07
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXXXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-11-17
Company: EQUIFAX, INC.
State: NJ
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:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under XXXX XXXX. XXXX. Additionally, these misstatements are punishable as perjury under XXXX XXXX. XXXX. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: Experian Information Solutions Inc.
State: MA
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 am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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