BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-24
Company: Windham Professionals, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is NOT MY DEBT. This is the second letter I received from ProCo. I responded requesting a validation of debt letter and never recived one yet they continue to send letters for debt that is not mine. I have had multiple conversations regarding this matter and explained why it is not my debt. I was tested to be a XXXX XXXX donor for my mothers XXXX. This should be charged to her insurance, not mine. I spoke with XXXX, from XXXX XXXX XXXX practice at XXXX XXXX located at XXXX XXXX XXXX, XXXX, PA, in person when at an appointment with my mother and she confirmed this was to be charged to my Moms insurance. XXXX took the initial collection letter and stated she would make sure my Moms insurance received the bill and not me and I would not receive another notice. Not only did I receive another notice, I started getting phone calls and spoke with someone on XX/XX/2020 at approximately XXXX XXXX. The number dialing me was XXXX and I called back the number in the message, XXXX, reference number XXXX. I explained the whole story to her and she stated she put the notes into the system and if they need more information they will call me back. My brother and sister also got tested to be a XXXX XXXX donors and they are not dealing with this. I DEMAND you show me evidence of this being my debt ( Validation of Debt )! If I receive another letter or call regarding this matter, I will take legal action and inform the applicable regulatory agencies of the violations of the Fair Debt Collections Practices Act and the Unfair, Deceptive, Abusive, Acts, and Practice occurring. I will also be taking legal action against XXXX for not only reporting this as a debt but for wrongful death.

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 2021-04-27
Company: T.S. Holdings
State: CO
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:
XX/XX/2019 I moved out of an apartment complex because my husband and I purchased a home. Recently, I was notified that I owed more than $ XXXX for charges related to the canceled lease and they were grossly misrepresented and inflated. I contacted an attorney and tried to resolve the issue with the collection company but they have not responded back. All claims made by the apartment complex is not only false but they are attempting to ruin my credit and my mother who co-signed as retaliation for the disputed charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: U.S. BANCORP
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have our house payment on automatic withdraw from US Bank. Our insurance went up which caused US Bank to have the monthly payment not applied and moved to suspended until the unapplied funds in the amount of {$130.00} is collected- even though they took the money from us but still charged a late fee. We were not notified of this increase, spoke to 2 customer service reps and they would not waive the {$130.00} late fee ( we paid the mortgage - it is on ach ). The customer service reps spoke in an abusive matter not helping. We are never late on a payment this happens every year when the insurance goes up and there is not enough in escrow. US Bank has the worst communication, we had 1 phone call that sounded like a scam. A late fee had already been assessed.

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 2020-03-05
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I see multiple account, addresses and names on my credit report that I have NEVER opened, this inaccurate reporting is hindering me from being able 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
Consumer complaint received 2021-08-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
So Ive disputed these late payment 3 or more times and still no success. Even though what they are doing is against the law. They even sent me an email saying they would be removed and added another.

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 2017-09-15
Company: EQUIFAX, INC.
State: IA
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:
Equifax believes my data to have been compromised in the recent hack. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: CITIBANK, N.A.
State: NM
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 have been a Citibank customer since XXXX. In XX/XX/XXXX I opened a new credit card account. when I realized the membership fee was {$450.00} I called the company within 6 weeks to cancel the card and to get a reimbursement of {$450.00}. I was told this would be done promptly. I then continued to get statements from the bank. I then called again in XXXX. I was put on hold numerous times, and eventually disconnected after being told that I had never called a few earlier, even though I had. The person I spoke to told me it was " too late '' to get a reimbursement of the fee. Eventually I called back a few months later and convinced a supervisor to fully refund the membership fee and close the account. In the meantime, and unknown to me, the bank reported two payments ( XXXX and XXXX ) late. Had the membership fee been properly reimbursed when originally requested, I would not have been reported to credit bureaus as being 30 days late. This has adversely affected my credit score : I have had NO delinquencies over 30+ years and had a credit score well above XXXX however now it is around XXXX. The bottom line is that the bank put roadblocks in my attempt to secure a reimbursement of my membership fee and to close my account. I don't know if this is a systemic issue or not so that consumers can not close accounts and get reimbursed but I spent countless hours trying to accomplish a simple task : to close a credit card account and to secure a reimbursement of a membership fee. Not only was I stymied, but now my credit score has been impacted.

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 2021-04-03
Company: CreditNinja Lending, LLC
State: UT
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
Received collection notice on XX/XX/XXXX for a {$300.00} loan originating from KMD Partners LLC XXXX CreditNinja XX/XX/XXXX with a due date of XX/XX/XXXX. My identity must have been stolen to obtain this loan, since I personally had never applied for the loan or received any of the proceeds. Also, the collection notice was the first time that I was contacted or became aware of this issue. 
I contacted the collection agency, current creditor ( XXXX XXXX, XXXX, and KMD Partners regarding the issue and it appears that the issue is still unresolved.

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 2017-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
There are two XXXX XXXX XXXX account showing on my credit reports and both accounts does not belong to me. I have disputed this 2 accounts with the credit reporting agency several times.

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 2021-03-26
Company: EQUIFAX, INC.
State: MI
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 sent n numerous request to XXXX about my credit report being inaccurate and things being erroneously reported. I have contacted the creditor as well and was told that they had contacted the bureau of the mistake. Well the information has not been changed nor deleted. I feel as though my rights have been violated I am asking for an investigation to take place with experian. My credit score has been affected due to the wrong information. I first reported on XX/XX/2020. I have been stressed during this pandemic and some things have been delayed, I have also had a financial hardship and need to get my credit back in order. It is really taking up alot of my time to get no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: EQUIFAX, 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 XXXX XXXX, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like i'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: PROSPERITY BANCSHARES, INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Roughly four ( 4 ) weeks ago my wife and I deposited a payroll check ( in person ) with the understanding that a two day hold was in effect. While we were questioning the process of holds, the manager said she could hold it for seven ( 7 ) days if they " felt like it. '' Fast forward two ( 2 ) more weeks, I deposited another payroll check ( same company ) and just as she threatened ... they now put a seven ( 7 ) business day hold on it, with no explanation. Taking my banking history into effect, I have a history of ACH and check deposits for $ XXXX to $ XXXX every two weeks, why would this institution impose such draconian rules on a valued customer, who has a great history of banking and substantial deposits, to then restrict access to funds they know are reliable? As I said, the last payroll check was from the same employer two weeks prior and since then the DD/ACH has been verified by min. deposit into my account from the same company. Is there any recourse for me, is there a way to decrease this hold and what fact based claim can be made to hold funds when prior deposits passed the " smell test? '' I am sure I am not the only one who has had this issue, but I fail to see the banks legal standpoint at this time. Thank you for your time and have a great evening.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: SANTANDER HOLDINGS USA, INC.
State: NC
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:
On XX/XX/2021, I went to the Iconic Motors company on XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX to purchase a used car with cash. XXXX XXXX assisted me with this matter but he also tricked me into giving him my personal information by filling out an application and using that application without my consent to have my credit ran for financing a vehicle. There was two vehicles I was looking at that just came in because 2 people traded in those vehicles 2 days prior to me arriving. I wanted to know the prices on them. XXXX XXXX stated that he would have to speak to his manager first. He left and came back and told me that if he doesn't sell them to the public they will have to sell the vehicles to a whole seller. I really wanted the XXXX XXXX. He stated he will call me back with a price. I called XXXX XXXX constantly for 2 weeks until XXXX XXXX called me back with an answer stating that they sold the cars to the whole seller. On XXXX, I checked my credit reports and contacted each credit reporting agency, I found out that my credit was ran by 4 different companies so I sent XXXX XXXX a notarized, signed document demanding an investigation and remedy on XXXX to XXXX XXXX XXXX. I was simply ignored. I contacted XXXX XXXX XXXX the XXXX XXXX XXXX Chamber of Commerce and he ignored me. I was constantly trying to resolve this issue with XXXX XXXX but I was discarded.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: Experian Information Solutions Inc.
State: MS
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:
In the past, I have disputed debt from XXXX XXXX/XXXX XXXX XXXX since XX/XX/2020 because I did not owe it. the account was closed on XX/XX/2020 and my credit score went down 17 points. when it should have up 100 points. This complaint is against the Experian bureau, XXXX XXXX XXXX, XXXX, TX. 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 2023-01-11
Company: EQUIFAX, INC.
State: HI
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:
The attached document account with XXXX, a secured card lender, is inaccurate, fraudulent, misleading, deception, not my account, and I did not give consent, permission, or authorization the account documented in the attachment. Further, XXXX sent documentation on XX/XX/2020 stating that the account listed with Equifax does not belong to me, that it was closed out in error, and that it belonged to someone else, and/or was opened unlawfully. The record shall be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: TRANSWORLD SYSTEMS INC
State: NV
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:
I have a debt with " the XXXX card '' now per my understanding Your Rewards credit card has a dual function that allows you to access two credit card accounts with separate lines of credit a XXXX account issued by XXXX XXXX XXXX, XXXX. and a XXXX XXXX Private Label Account issued by the XXXX XXXX XXXX. 

REF : XXXX XXXX XXXXXXXX Debt is from XXXX I was in the XXXX from XXXX. I was in the belief that I paid off the card in full before departing to XXXX in approx XXXX. I never received any statements from XXXX while I was in the service that there was remaining debt. 

Had there been remaining debt it would have been garnished from my XXXX XXXX pay immediately. 

From XXXX to XXXX I received no notices that I had a debt. 

In XXXX I received a notice from a 3rd party debt collector stating that I owed over XXXX. For which about XXXX is actual debt and the rest is interest. 

Debt collectors pay only a fraction of the charged off debt. 
Debt collectors to the best of my knowledge can not continue to charge interest on a debt. 
This debt is over 11 years old. 

When I contacted them they THREATENED : they will put a lien on my social security number. 
sue me for the 11-year-old debt that the debt will continue to gain interest They will garnish my wages ( they have done this ) They also stated that even though they are a 3rd party debt collections agency they are not bound by the statute of limitations. 

The Law that they are talking about ( I would guess ) that gives the government the right to collect a federal debt without a statute of limitations is PUBLIC LAW 110234. Which is only applicable in the following categories. 

anyone OVERPAID by a federal agency Federal Student Loans Child Support Income Taxes This debt does not fall into any of these categories. 

However ; even it did per SEC. 14219 ( 2 ) ( B ) APPLICATION OF AMENDMENT.The amendment made by subsection ( a ) shall apply to any debt outstanding on or after the date of the enactment of this Act. ( XXXX XXXX ) Said debt does not fall into one of the categories and is from XXXX. Thus making the statute of limitation applicable in this case. 

This debt by their own admission is no longer with XXXX but is a third party debt collector. See attached screenshot.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These are not my accounts, nor did I authorize the companies to run my credit. This is the second request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: EQUIFAX, 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: Information is missing that should be on the report

Complaint:
I have two XXXX XXXX in my possession. One XXXX XXXX is an individual account, which is correctly being reported to Equifax report. The second XXXX XXXX is an authorized user account, which is not reported to Equifax report. I have verified that the authorized user XXXX XXXX that is being correctly reported to XXXX and XXXX, however, Equifax fails to report this authorized user account. I also I call XXXX XXXX and they told me they are correctly reporting to Equifax and just like they are reporting to XXXX and XXXX. 

I requested Equifax four ( 4 ) times to please verify on your end to correctly report the XXXX XXXX authorized user account with {$1200.00} dollar credit limit. I have been trying to correct this for almost 5 months now. All they do is send another report without correcting anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: PNC Bank N.A.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
PNC, at their discretion, will make a decision on whether or not they want to have a transaction go thru at a charge of {$36.00}. That I understand, however, I am not understanding why they STILL charge me {$36.00} if they do not allow for a transaction to go thru. They will make it appear as if they are actually going to cover it and then a few days later, reverse it to not cover and then charge {$36.00}. That is totally not right as well as false information that they are giving us. Not only that, you CAN NOT send a XXXX without having the money in your account. I use XXXX primarily to send money from PNC to my other checking account. How in the world are they charging me {$36.00} in overdraft fees for sending XXXX payments all because their checks and balances are not set up correctly in their system is beyond me. When I requested my fees back, I was told they could not even though the agent agreed with me that yes, that is not correct for them to do. I also did not ask for PNC to give me a credit due to COVID. That in itself is throwing off their checks and balances as well, which the agent acknowledged. Then having the nerve to charge me an overdraft fee for money I didn't even ask for if it overdraws my account! I wasn't even given an option to opt out of it! Finally, I have been monitoring my account to see how far of an extent they are going with their shenanigans. I took overdraft protection off so that my card would decline any transactions that would not be able to be covered, and yet again, they allowed something to go thru and this time a transaction that they denied and charged me for from before! It's ridiculous!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-03
Company: EQUIFAX, 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:
There are 3 accounts on my credit report that do not belong to me I need these accounts off my credit report I have been disputing these since XX/XX/2020 and no answers back nothing from the bureaus or the companies that these accounts are from. 

XXXX XXXX  - Acct # XXXXAmt  {$7400.00} XXXX - Acct # XXXXAmt {$2500.00} XXXX XXXX XXXX - Acct # XXXXAmt {$810.00}

Company response to consumer: Closed with explanation