BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-07
Company: Professional Debt Mediation, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XXXX XXXX, 2017 I noticed that a derogatory account was added to my XXXX and XXXX  report by an agency listed as XXXX XXXX XXXX. I am in complete shock because this company has never tried to contact me or send out any letters in regards to amounts owed and debt validation. Upon research I found that this company does not have authority to engage in debt collection in Texas without a surety bond in which I did not find on the website of the Secretary State of Texas. I ask that XXXX XXXX XXXX remove negative reporting from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07
Company: JH Portfolio Debt Equities, LLC
State: MD
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:
Submitted a dispute to XXXX confirmation # XXXX regarding the removal of XXXX inquires which they did not investigate or provide proof of the investigation. 

1. XXXX - Mortgage Department 2. XXXX XXXX Also the XXXX failed to investigate the dispute from JH Portfolio Debt Equities which shows as a debt collection account, the additional information has not yet been provided to me the consumer, I have no idea the information they used to determine how the date is correct which makes no logical sense. 

The account from XXXX XXXX is over 7 years old and is still being reported which is against the law in MD for the statue of limitations.

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 2021-03-30
Company: HUNTINGTON NATIONAL BANK, THE
State: HI
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:
Someone attempted to apply for a mortgage with my SSN. I have a hard inquiry on my XXXX  credit report for a mortgage through Huntington Bank for XX/XX/2020 that I did not apply for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: WELLS FARGO & COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Fraudulent XXXX transactions in my name Do not have card or access to account XXXX alert : Information distributed on dark web Unable to contact XXXX Contact made was with impersonating representative Attached documentation for removal

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 2020-12-04
Company: EQUIFAX, INC.
State: NE
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 2016 we had an auto loan that was paid in full by our insurance company due to the car being totaled. The bank, XXXX XXXX XXXX recoeve payment directly from our insurance company. We never received additionL bills after this. 

Now. Both XX/XX/XXXX and equifax have the account listed as delinquent with a significant balance. We are showing three years behind. 

W heaven attempted to dispute through the creditor directly and also via credit bureau, but this has not been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Received a call today to my personal cell phone for a credit card that they claim my husband XXXX took out. The representative that called me from XXXX Legal Proceedings states that they were in the process of filing a civil lawsuit against my husband within 48 hours. I asked what the proceeds were for and they advised that due to Third Party disclosure, they were unable to tell me what the debt was for. I told them that they had already disclosed that they were in the process of court proceedings which is disclosing information to an unidentified third party. I then told the lady that I was XXXX 's wife and she then proceeded to tell me she was filing a lawsuit for a XXXX credit card that was last paid on XX/XX/2013. I told her that if her information was true, them we are far past the statue of limitations to file any sort of judgment. She told me that they are going to file the judgment in 48 hours and she disconnected the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: MARINER FINANCE, LLC
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
On XX/XX/21 I submitted a Power of Attorney to Mariner Finance with regard to a customer of theirs with regard to trying resolve or restructure a loan to assist my client with repayment options or a possible settlement.On XX/XX/21 I called Mariner Financial to speak with the manager and was told the she ( XXXX ) was not available.I left a message for a return call.On XX/XX/21 I placed another call to Mariner Financial to speak with the manager and was told once again that she was not available so I left another message for a return call.I called several more time the dates are as follows ( XXXX and again on XX/XX/21 & XXXX.I called on XX/XX/21 because my client received two phone calls and a voicemail from Mariner Financial acknowledging that they have my POA on file but requested that she gives them a call anyway.The last two calls were on XXXX at XXXX and XXXX.After learning of these calls I called Mariner Financial on XX/XX/21 spoke with XXXX and advised him the they are violating that I was the POA for his customer MsXXXX.XXXX  and that they are in violation of FDCPA in contacting her.He said that per company policy that unless they receive a Cease & Desist they will continue to call her.I tried to explain FDCPA he refused to listen.I asked for his legal department he said to look it up then hung up.On XXXX/I called the corporate office to speak to someone with regard to the violations and was told to contact the branch.I explained the situation to XXXX at corporate she agreed that the branch should the contact my client but could no offer me a contact to the legal department and that I should call the branch. I asked if she was refusing to the give me contact information to the legal department and she said that she couldn't help me with that information.I called the branch back to speak with the manager to resolve the violations and was refused.I explained to XXXX that we will seek punitive damages against the company and I was told to do what we need to do. 
The address for Mariner Financial is XXXX XXXX XXXX.XXXX  Oh.XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I contacted TransUnion via certified mail to dispute the accuracy of accounts on my credit report that negatively affect me. I requested a full review of the documents they used to verify and a complete compliant detailed breakdown of the three segments of the Metro 2 requirements including The Header Record, containing 18 fields, which ensures that the information was identified correctly by your bureau, The Base Segment, containing 49 fields, which provides the specific account information for me, The Trailer Record, Containing 47 fields, which summarized the data submitted. I have attached the letter submitted to them below. This was mailed on Friday, XX/XX/2020. I was contacted by TransUnion by mail on, XX/XX/2020 acknowledging receipt and initiation for the investigation requested. I was later again contacted on XX/XX/2020. They reviewed and updated all disputed items without disclosing their compliance with Metro 2 and disclosing to me all of the documents that they have recorded and retained in your file at the time of this request concerning the accounts that they are reporting in 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 2021-03-30
Company: KEYCORP
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I submitted a dispute to Key Bank on a transaction with XXXX XXXX on approximately XX/XX/XXXX After filing the complaint I had a XXXX conversations with Key Bank, the XXXX to make sure nothing else was needed, the second to be told if the merchant doesnt respond by XX/XX/XXXX the temporary credit becomes permanent, the third that I needed to fill out a questionnaire which I did over the phone and the last that my credit was reversed 1st because I didnt fill out the questionnaire and then after that dispute was dismissed I was told I didnt file the claim within the allotted time frame. 

Key Bank accepted my claim in XXXX, gave me a claim number and proceeded with processing the claim and not once from the date of filing to the date of declining did they mention this. 

It takes an act of XXXX to get to the executive affairs department. They refuse to give out a number, the disputes department states they can not transfer me there and customer support in most cases puts me on hold for so long trying to figure it out he call becomes disconnected. I spoke to a guy in the executive affairs department by the name of XXXX who said he would listen to the recorded phone calls I had with the dispute department snd if they said it would be permanent by XXXX like I was told the credit would then be given back to me. I invested 2 hours of phone time on XXXX only to be hung up on because they could not wait for XXXX to become available any longer. The phone number I was given to call back is the disputes department that claims they can not transfer me to the executive affairs department.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
As to so many times previously, My name is XXXX XXXX XXXX and my husband XXXX XXXX. We had placed a total of 10 complaints related to Select Portfolio Servicing and their deceptive practices, but your department only send the complaint and wait for the complaint to be answer. But here we go again. I submitted a loan modification to SPS multiple times. The latest modification of mortgage that I received was in the amount of {$4500.00}, a larger amount than the one I received before, the interest rate at 7.475 % adjustable rate the same terms I had before with the same principal balance of {$530000.00}. This are the receptive practices from SPS. 
First I had been given five years off my debt due to Statutes of Limitations ( see final summary judgement interest rate from XX/XX/XXXX to XX/XX/XXXX that make us only 70 payments past due not 125 past due payments as they keep stating that is due. 
I contacted and submitted a complaint also to the Federal Trade Commission, Florida Office of the Financial Regulations for providing servicing in Florida without a license and third open a law suit related to the present charges and not giving us credit for the 5 years deduction. No one is to big to fail. Thank you for your communication service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22
Company: EQUIFAX, INC.
State: NC
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 contacted Equifax explaining that someone has taken my identity and has been attempting to open accounts in my name. I did not do this & have no knowledge who did this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07
Company: SYNCHRONY FINANCIAL
State: MD
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:
Submitted a dispute to XXXX confirmation # XXXX regarding the removal of XXXX inquires which they did not investigate or provide proof of the investigation. 

1. XXXX - Mortgage Department 2. XXXX XXXX Also the XXXX failed to investigate the dispute from XXXX XXXX XXXX XXXX which shows as a debt collection account, the additional information has not yet been provided to me the consumer, I have no idea the information they used to determine how the date is correct which makes no logical sense. 

The account from XXXX XXXX is over 7 years old and is still being reported which is against the law in MD for the statue of limitations.

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 2017-12-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I two checking accounts with BANK OF AMERICA. I have tired to close one of my core checking accounts ending in XXXX for months now. BANK OF AMERICA and it 's agents refuse to close this account. I have called the customer service line, as well as physically going into the branch and still to no avail. I was told they could not close the account because the account was negative at first. I bought the account to a positive status XXXX/XXXX/XXXX. I called and spoke to one of BANK OF AMERICA agents and requested the account be closed that very day. The agent advised me the account would be closed. I was lied to and the account is still open and now negative again. BANK OF AMERICA made an automatic transfer of {$25.00} XXXX without my authorization to my savings account and now the account is negative again. I spoke with BANK OF AMERICA agent XXXX in their New York call center XXXX/XXXX/XXXX and demanded the fees returned and this account closed. XXXX spoke with her manager XXXX and was advised they will not refund the {$25.00} nor close the account. I was told by XXXX that I would have to eat the cost of {$25.00} in order to close the account. How fair is that to me the consumer?

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 2021-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Someone is attempting to open accounts in my name which is fraud. Please delete these inquires from my credit report because they are not being done by me.

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 2018-06-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I noticed a charge on my bank statement for {$24.00} from Experian Credit Report. I was confused by the charge because although I have a account with Experian for credit monitoring services, the monthly fee for my account is {$19.00} and is processed from a different account. 

When I contacted Experian I was told that the account was opened on XX/XX/2018, under my husbands name. XXXX, the representative I spoke to went on to say that they charged {$24.00} a total of four times. I told her that I wanted a refund because I didn't open this account or authorize the use of my bank card. She said " per the terms and conditions we are only able to issue a refund for one month '' Later I called with my husband and spoke to XXXX, who after speaking with my husband verified that the information on the account was not his. She explained that the account was obviously fraudulent. 

I asked to speak to a supervisor, XXXX ( employee id XXXX ) who said that the term and conditions agreed to when the account was opened, prohibited them from refunding any money and that they had no obligation to provide any proof or documentation as to the fraud. She also told me to contact my bank and " sort it out with them '' for the amounts they fraudulently collected. 

I asked the supervisor why no red flags were raised when the name on the account did not match with the name on the credit card. She said " Experian does not require the name on the credit card to open an account they only require the card number, expiration date, and security code. 

In total 4 charges of {$24.00} and 1 charge of {$4.00} were billed. They processed a refund for one charge of {$24.00}. 

I contacted my bank, which processed my claim and issued me a credit for the full amount billed. Experian was allowed to keep the money they collected by way of fraud. 

The CFPB should take a hard look into how these credit agencies, essentially they house, control and profit from consumers credit information. Their websites are basically advertising for credit card companies and banks. These are the same credit card companies and banks that report consumer information to the credit agencies. The agencies are not impartial, fair, or honest, they essentially work for creditors with no regard or respect for consumers or their rights. 

At the end of the conversation I told the supervisor I would be filing a complaint with the CFPB, to which she responded " okay whatever ''. I guess the lack of respect also extends to the regulatory agencies that are charged with overseeing their business practices.

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 2018-06-05
Company: ORG GC GP Buyer, LLC
State: WA
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:
On XX/XX/XXXX G C SERVICES reported to the 3 credit bureau 's a debt in the amount of {$870.00}. On XX/XX/XXXX I called and spoke to a representative who agreed to take a settlement in exchange for deleting the entire account off my personal credit report, they have failed. I have called the bureau 's and G C Services multiple times to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: Advanced Collection Bureau, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, my roommate, XXXX XXXX XXXX, and I moved into an apartment together at XXXX XXXX XXXX  in XXXX XXXX, XXXX. I was only XXXX years old and my father had just passed away two weeks previous. My mother lived in XXXX  at the time. After I had been in this apartment for a while, I became rather depressed and wanted to go move in with my mother. XXXX and I inquired at the leasing office about taking me off the lease. They were agreeable to it and on XX/XX/XXXX we both signed to remove me from the lease and I left for XXXX shortly after that. I didn't keep in touch with XXXX XXXX after leaving XXXX but about XX/XX/XXXX I discovered I was included in the issues that the apartment complex had with XXXX XXXX that involved non-payment of rent, and an unapproved pet, and eventual eviction. 

None of these things happened while I was on the lease and living in that apartment. Yet, when the debt got turned over to a collection agency they included me in the complaint. This is not my debt and I am attaching two documents proving that I was in fact removed from the lease and that I left XXXX shortly after being taken off the lease via my plane ticket purchase from XXXX. 

I have contacted the apartment complex multiple times, and tried talking to the collection agency they turned it over to ( Advanced Collection Bur ). The collection agency insists with XXXX that this is in fact my debt even though I submitted evidence to the contrary. I don't understand why proof that I was removed from the lease is not enough for XXXX to take it off my credit history. I am also having the SAME problem with XXXX and XXXX. Every time I dispute it, Advanced Collection Bur comes back and claims it is valid, but they have no proof to back this up. I have proof it is invalid. How are they allowed to do this to me?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: ABR Recovery Services LLC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
3rd complaint being filed - actually reached out to the original credit and they have replied to me - collection agency states I spoke w/a XXXX XXXX that is false. I have never called this agency ever.

Company response to consumer: Closed with explanation