BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-25
Company: The Outsource Group, Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2021 and I saw some collections had been added to my credit reports XXXX XXXX, and XXXX and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you allow me to validate the alleged debt. I am aware that there is a debt from XXXX XXXX, but I am unaware of the amount due and your bill does not include a breakdown of any fees. Additionally, 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 for them to release my medical information to a third party. 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. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
Company: Williams & Fudge, Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had to leave the University I was attending due to an illness. The University then sold my account to this debt company for collection. They started collecting the debt in 2007, {$100.00} per month, and the total debt was only {$11000.00}. It has been 11 years, and this debt should be paid in full, yet they say that I owe more than 13,000. I have never signed any promissory notes or guarantees to pay any additional amount. They have never provided any schedule of fees or interest amounts regarding the account. This violates truth in lending, fair debt collection practices, and more. 

They need to report to the University that the debt has been satisfied, as I have paid more now than the original amount. 

They need to stop stealing money from my checking account that is not theirs, as I have fully paid the amount owed to the school. 

I will contact an attorney regarding their unfair and abusive practices. 

In regards to XXXX. Your policy does not allow for medical withdrawals after the fact. It has now been 12 years since I attended the school. I would like to be able to finish my degree, but I am unable to do so due to this school not releasing my records. I have paid more than due to this collection company. Also, I have paid for all the credits that I obtained from your University. There is no reason I can not even get access to see what credits are on there. You have sold the debt to Williams and Fudge. Therefore, you no longer have collection rights. You need to release my transcripts and remove the hold on my file. I have paid you {$40000.00} for the credits that I completed and I have a right to the credits I have paid for and earned.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
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:
I was one of the victims of bank of America They kept charging me overdraft fees

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 2021-08-13
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
I sent a dispute of items that were alleged to belong to me to XXXX, Equifax, and XXXX on XX/XX/2021. The 30-day time frame is outlined in the FCRA 611 ( 15 U.S.C. 1681I ), which has passed and they are out of compliance. This is not good for them to keep reporting this inaccurate information that is staining my credit report, which I've worked hard to build. For all I know this could be linked to the Equifax data breach. I would like this information removed immediately per the law or I will proceed with filing litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: SYNCHRONY FINANCIAL
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
XX/XX/2021 : Employee was misleading and dishonest when setting me up with my credit account for this. He didn't explain terms or anything like that and didn't give me any information until after the transaction was made and I asked for it. I didn't even realize it would be a credit card ( and not just a store credit account ) until the transaction was complete. He also said I could pay off the balance right away online or by phone but I haven't been able to do that yet since Synchrony is still setting up my account. 

I felt like he was trying to pressure me to sign up without fully disclosing the terms or costs. 

I sent an email to them on XX/XX/2021 expressing my dissatisfaction.

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 2021-02-25
Company: Shellpoint Partners, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In our complaint submitted on XX/XX/XXXX ( Complaint ID : XXXX ) to the CFPB in regards to our mortgage servicer NewRez dba Shellpoint Mortgage-we requested all the loan and escrow accounting records from the origination of this loan in XXXX to present day. In this response to our complaint, the failed to provide the requested loan accounting records from XXXX to present day-which needed to include how every XXXX of every payment as been applied to our principal, interest, taxes and insurance from every servicer that as ever survived the loan since its origination in XXXX to present day. 

We have asked multiple times for the entire loan accounting history from XXXX to present day, one of which was during a phone call that is recorded. Please see NewRez 's response to our complaint filed on XX/XX/XXXX, XXXX where they failed to provide all loan accounting records which show how every pennny from every panymen has been applied to the principal, interest, taxes and insurance from the origination or the loan in XXXX to present which needed to include all of the servicers that have ever serviced the loan from XXXX to present day. 


As NewrRez failed to provide these documents that we requested in our previous complaint are asking again for all loan accounting record documents that show how every XXXX from every payment has been applied to the principal, interest, taxes and insurance from origination of the loan in XXXX to present day, from every single servicer that has serviced the loan from it's origination in XXXX to present day.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: SANTANDER HOLDINGS USA, INC.
State: TX
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 recently reviewed my credit report and noticed a lot of inquires that werent done by me. Its a defamation of character under law 15 USC1681. I asked for the credit bureau to verify this information they stated they couldnt and I had to reach out to the companies. I reached out to the XXXX XXXX XXXXhey stated the same that they couldnt and for me to reach out to the credit bureau to get them removed. Still nothing has been done and this has went on for over a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: LEXISNEXIS
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 belongs to someone else

Complaint:
There has been a breach in my personal information in the world wide web causing that accounts be opened with out my consent, these fraudulent accounts needs to be removed from my file immediately, I have already contact the creditor and they ask me to fill out an FTC report which is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It's not my account, i never applied for it, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that it's not mine. 

I believe that someone else may have a relative that may have forged my name ( or used my personal information ) in order to take out credit without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need ( and my signature does appear on the ID theft  affidavit/report that I am attaching ).

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 2018-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My TransUnion Personal Credit Report dated XX/XX/XXXX shows XXXX XXXX XXXXXXXX XXXX XXXX obtained reports about me on XX/XX/XXXX and XX/XX/XXXX. 

The report states that the company obtained the report for the review or collection of an account. 

I do not have nor have I ever had an account with XXXX XXXX XXXX XXXX XXXX. Under the FCRA an account is a demand deposit, savings deposit, or other deposit of an asset of the consumer 's. I have never opened any type of deposit with XXXX XXXX XXXX XXXX XXXX. 

Furthermore, I have had a permanent opt-out from promotional offers in place since XX/XX/XXXX, I have a had a permanent legislative security freeze in place since XX/XX/XXXX, and have had fraud alerts in place since XX/XX/XXXX. 

XXXX XXXX XXXXXXXX XXXX XXXX obtained information about me from TransUnion illegally.

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 2020-10-22
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: Information belongs to someone else

Complaint:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The accounts listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Your help would be very much appreciated. 

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 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 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX card was never used. There is no information in their computer system. It is eight year old account. It is still on all three credit reports. It needs to be deleted off.

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 2023-07-13
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
PayPal closed my credit account with Synchrony Bank. I didn't reach the credit limit but I missed one payment on XX/XX/2023 due to a change of my checking account. I paid the missing payment of {$200.00} and the fee of {$48.00} 10 days later. I am not able to reach a PayPal representative on the phone.

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 2022-09-18
Company: CAINE & WEINER COMPANY, INC.
State: NY
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:
in accordance with the Fair Credit Reporting act XXXX Account Caine & Weiner has violated my rights. 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 Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XXXX XXXX XXXX has been contacting members of my immediate family after I have already asked them not to be doing so, I told them I was in a debt relief program and I wouldn't be speaking directly with them anymore. They haven't contacted me since the last conversation but they continue to call my family. They have even gone as far as to call my birth father and his wife regarding my account and disclosed my private information in regards to my account. I have no actual legal attachment to my birth father anymore. They even lied and said I used them as a reference for their credit cards and said I had given their contact information and gave them permission to call them, Which I did not. I have 3 different accounts with this bank, XXXX XXXX, XXXX XXXX, and a XXXX XXXX account. The debt relief program I am in is called XXXX XXXX XXXX. They also send letters to my house constantly asking to collect my debt and is still reporting the debt for my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-20
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 status incorrect

Complaint:
XXXX XXXX  is purposefully reporting inaccurate information on our credit reports since are officially disputing both the amount that they state that we owe on New York Civil Court Index No XXXX, in complete, willful, and total violation of the federal Fair Credit Reporting Act ( " FCRA '' ). 

XXXX XXXX 's willful FCRA violation has been committed knowingly and recklessly. 

In this case we may receive actual or statutory damages ranging from {$100.00} to {$1000.00} per violation, in addition to punitive damages determined by the courts. 

Please urgently investigate and advise.

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 2023-04-23
Company: Rapid Auto Loans LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
They threatening me to repo my car the letter is dated XX/XX/2023 but the postage states XX/XX/2023 They never covered the check I been paying them and they never paid me this is illegal they are threatening me and harassing this is wrong

Company response to consumer: Untimely response
Consumer complaint received 2019-08-30
Company: First Data Corporation
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
XX/XX/XXXX and XXXX I was trying to withdrawal XXXX each day. According to the Atm the transaction couldn't be completed but I was changed both XXXX $ in total. I was able to call the owner an automatic message said to call the bank to dispute the transactions because they don't give refund or credit. I place a dispute with the bank. Just call the bank today and I was told my dispute waa declined do to a missing info. Was not chance for me to explain my self because I never received the dispute form from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
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:
On XXXX XXXX, 2017 I received an alert on my credit report that a company by the name of XXXX aka : XXXX XXXX stating that they had placed a loan amount of approximately {$2500.00}??!!! first of all I have never heard of either company or have taken any personal loans out for such amount. I contacted Transunion Credit Bureau since they are the ones that alerted me and it was reported to them and they agreed that there was never an inquiry made by me requesting a loan from either one of the above stated companies because when someone requests a loan on line or other there is always an inquiry. I have placed a fraud alert on my report due to this ironeous error on my credit report and have placed an investigation. This so called XXXX company is out of the country and I know alot of these companies commit fraud towards peoples credit reports thinking that someone would be so XXXX and send anyone any money that you have never requested money from. I want this company investigated and this removed off my credit report immediately! This is definetly a fraudulent matter towards me and my personal 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 2022-12-25
Company: Experian Information Solutions Inc.
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:
n accordance with the Fair Credit Reporting act. the listed Accounts below has violated my federally protected consumer rights to privacy and confidentiality us the 15 USC 1681 Account Name and Number : XXXX XXXX XXXX # XXXX, Account Name and Number : XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXXXXXX 15 U.S.C 1681 Section 602 A States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may take any consumer report containing any of the following items of information Any other adverse item of information, other than convictions of crimes which antedates the report by the more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information related to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is incorrect

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 2020-07-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
CapitatOne sent me a quick respond and closed out my case. They lied and pretend as if they are not aware of what my original complaints where. 

They refuse to remove the Hard inquire from all three credit bureau and that is ultimately what I needed them to do. I don't even care about increasing my credit with them because I will be closing that account. I refuse to do business with thieves and liars. 

CapitalOne is still being fraudulent in their dealings with customers. In the letter sent back to me my credit score was incorrect per their own platform.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The account was charged off XX/XX/2021 and is reporting every month which is a violation of credit reporting act

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