BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 credit reporting agencies will not update my XXXX XXXX as paid off and closed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12
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:
The bureaus are still reporting inaccurate, incorrect dates as well as amounts. Im seeing that theyre saying they did investigations, but if the dates & amounts are all inaccurate on the charged off accounts then due to the FCRA these accounts must be deleted from my credit reports. 

The XXXX XXXX account was also paid off & the bureaus are still reporting that this account is owed. Ive also sent proof from my checking account as well as my XXXX XXXX app showing that this has been paid off. If the bureaus continue to report this inaccurate information on the accounts that I have sent over, I will be left with no other choice but to take legal action for not only defamation but violation of the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My bank statement dated XX/XX/XXXX to XX/XX/XXXX is {$10.00} less than what my register says. My statements balance to the XXXX every month without fail. If there is a discrepancy, I work until I have found the error so that the statement balances. My statements balanced up until this one. I went over my numbers and calculations at least 4 times before deciding that the error is not on my end. I made an appointment with the bank to have them go over it with me. She looked at my statement and recalculated my numbers 3 times. She couldn't find an error so she decided the error must be somewhere in my past statements. She was totally unwilling to look into the bank 's end of the problem because there are no discrepancies in their statement and my register. So, I came home and dug out every register I have which amounts to app. 2 years. I went over every number all the way back 2 years even though I know for a fact that everything was balanced at the time it came in. Every number matched except for 1 which I apparently wrote down wrong. All of my calculations matched up perfectly with no errors on my part. Somewhere in the month between XXXX of XXXX and XXXX of XXXX, {$10.00} has vanished from my account. I don't know where it is or what happened to it and I have no way of checking to see if the bank made an error. They refuse to look into it because ( 1 ) their technology doesn't make mistakes and ( 2 ) it would be almost impossible for someone to take money from an account because they are so well supervised. I have no clue where the problem lies. What I do know is that I've lost {$10.00} which, I realize, is not a lot of money but on a XXXX fixed income, every penny counts. My only recourse now is to close out this account before I lose any more money.

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 2018-01-18
Company: WELLS FARGO & COMPANY
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:
In 4 years of payment history, Wells Fargo is showing 2 miss payments. I called to resolve the issue, but they are unwilling to work with 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 2022-03-08
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information that should be on the report is missing

Complaint:
I have placed a permanent credit card offers optout on all three credit agencies on XXXX on XXXX with refence numbers XXXX and XXXX, however on XXXX I was mailed a credit card offer with promotion checks from XXXX XXXX XXXX XXXX credit card ending in XXXX. Please look into what credit agency or if the credit card company is responsible for this error and correct with the appropriate agency to make sure I will receive no such offers in the future. Furthermore, as of XXXX I have permanently opted out once more, via phone and mail with confirmation number XXXX. Please make sure this does not happen again.

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 2021-04-16
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a 2 prong situation : My loan company is pursing foreclosure and is not adhering to the " Covid Guidelines '' and have set our loan to their foreclosure attorney,,, regardless that I have explained that we have been impacted first hand with several layers of " XXXX '' 1. both of lossed our jobs 2. we both contracted XXXX 3. we have ongoing and underlying issues XXXX and XXXX effected with XXXX sent this in writing also. 

2. I had no idea that this office existed to assist on protecting us in XXXX when SPS added over ( more than the actual loan amount ) XXXX XXXX in charges fees and ect on our original loan ... I only owed XXXX and now they tacked on making my balance over XXXX,,,, again being bailed out by the government and now double dipping and strong arming us back tacking more debt in order to keep our property.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX is impossible to deal with. I went to a dealer to get a loan with my wife. We applied and got approved threw Santander. We went in and signed. After signing they asked for my proof of income, proof of residence and my drivers license. I provided the dealer with all the requested information. Unfortunately my license was suspended and expired at the time. The dealer told me I could not be on the loan, and my wife would more than likely not qualify by herself but they would try. The resubmitted the loan in just her name and she was approved. She went in and resigned in just her name only. We took the car home. I some what recently found that my name was in the loan. I could not be on the loan because my license was expired and suspended. I have tried multiple times to correct this via different avenues, but XXXX XXXX insist that there 's is not a mistake. They sent me a copy of all documents they had, in the documents was the contract i signed that wasnt valid because my licsense was suspened and expired, and a copy of my drivers license. That copy of my drivers license had a valid experation date, but you could clearly see that the date had been changed as it did not match the font of the rest of the drivers license. The dealership changed the date on my license and went with the first contract. The dealership commited fraud. When I spoke to them on the phone told them what happened and told them that it violates my rights, they said " do n't throw around terms you do n't understand ''. They also said they only way they would consider removing the item from my credit was if I filled a police report. I call the city police department where I purchased the vehicle, because the loan was opened 10 years ago, they informed me that it was past the statute of limitations for fraud. I can not file a police report. I no longer have the license from 10 years ago. I asked XXXX if santander verified my identity, by verifying the sent documents? They said it 's not up to the lender to verify documents, that they took it on good faith from the dealership. They opened the account without verifying my identity, cause if they had verified it, they would have sent the contract back because my license was expired and suspended, and the documents did not match. Santander violated my rights by opening an account without verifying my identety. 

Santander nor XXXX have responded to me after they attempted to verify the debt with the fraudulent documents created by the the dealership, that they accepted without verification. The debt must be removed from my credit file as santander violated my consumer rights. 

Further more. If a creditor chooses to report to the credit companies, that information has to be 100 % accurate. All of my credit files are missing some payment information for the santander account. This is a violation of my rights, the item must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: Tromberg, Morris & Poulin, PLLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
TROMBERG MORRIS POULIN, PLLC and XXXX XXXX XXXX threaten to sue me for a fraudulent debt and threaten to take everything i own if i do not pay them for the alleged debt. 
I contacted each compant and law firm asking them to do a proper investigation and they REFUSED. 
I sent via certified mail, a request for your offices to provide me with proof of the debt you alleged I owed and not a computer printout, I would like to see papers bearing my actual signature of such debt and not a computer printout. In that same letter, I also included my Cease and Desist instructions. 
This is not my debt this is a fraudulent account and it is not my account. 

After verifiable delivery of my Cease and Desist & Estoppel by Silence letter ( via your office 's signature ) you continue to contact me. As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense when I bring your company in front of a judge. 

If you can not produce such proof and continue to violate me after I have put you on notice then I reserve the right to file a suit against you for FDCPA violations in my court 's venue. You will have to travel to defend yourself in that scenario. 

Please also be advised that this request is an official validation of debt request and not a verification of address request. Proper proof of said debt is required and NOT a computer printout. 

Since this is my final request, I will also be sending a copy of this letter to the Attorney Generals Office, Federal Trade Commission, XXXX XXXX XXXX, and The Federal Deposit Insurance Corporation ( FDIC ) notifying them that I have signed receipts for letters sent to you and you have ignored and not complied with my request. 

Please understand as well that under the FCRA any " furnisher of information '' must put the account rating on hold while the debt, is being investigated and remove all negative remarks added to my credit report. Continuing to report this disputed debt to my credit reports is a FCRA violation also open to damages collected from you by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: Medical Data Systems, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Medical Data Systems Inc. I sent out a letter to this company for Validation of a debt from XXXX XXXX 2013. I received a debt verification and nothing with my signature on it giving them permission to my medical records. They sent the procedures and outcomes claiming it as a itemized bill, which violates my hippa rights. They claim the hospital gave them rights to collect the debt, but I havent agreed to such action.

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 2022-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
n accordance with the fair credit reporting act TransUnion account XXXX reference XXXX XXXXXXXX bankruptcy has violated my rights 15 U.S.C 1681 section 602 A.States I have my 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

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 2017-11-06
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: Problem with personal statement of dispute

Complaint:
The problem is with XXXX for my student loans. I was granted a deference a couple of years ago, but XXXX still reported to all XXXX credit reporting bureaus XXXX Experian, XXXX XXXX, etc. ) that I defaulted or missed payments on my loan. 

I had worked with XXXX and others and I sent multiple letters to Navient, but they told me there was nothing that they could due for my credit rating. 

I am in excellent standing and I just ask for a short-term stay while I got a job ( which I did and still do ). 

This credit rating is ruining my credit and I can not get a loan on a new home at a low rate. 

I have attached a document from XXXX with all the information.

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 2017-11-06
Company: TENET HEALTHCARE CORPORATION
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 attempted numerous times and have disputed information pertaining to my XXXX and XXXX credit reports. I have requested that the above credit reporting agencies provide proof on how certain accounts are verified and validated. To this date they have not provided information on how it was that they verified accounts that i have disputed. I have disputed at least 4 times in XXXX and have allowed the 30-45 days for the above credit reporting agency to properly investigate, verify and validate the accounts with proof. i have specifically disputed with the collection agencies as well and up to this day they are not able to validate or verify the accounts that they are reporting to belong to me. So i dont see how it is that the above credit reporting agency has validated and verified that the account or accounts belong to. The items have appeared on my credit report due to negligence on behalf of the credit reporting agency have ruined my credit report and reputation. i have struggled to obtain fair and competitive interest rates due to the misinformation on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Upon reviewing my updates, there is several incorrect information seen written in my Credit Report and is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which state that reporting unverified information without any proof provided within the time allowed by law is not authorized. The inquiries listed are inaccurate and needs to get deleted immediately : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2021-10-19
Company: TRUIST FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

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 2019-06-26
Company: REGIONS FINANCIAL CORPORATION
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My wife and I went to XXXX, MS Friday XX/XX/XXXX through Sunday XX/XX/XXXX. Saturday I woke up and checked my bank statement. It showed 4 charges that I had no idea about totalling XXXX . We immediately cancelled the card and reported it as fraud. One charge for XXXX $ was from a XXXX XXXX. Second charge was from XXXX and it was XXXX . Third charge was also from XXXX totalling XXXX . Then the fourth charge was a XXXX $ XXXX charge which neither my wife or I have ever used. It has now been 3 weeks since we filed the claim. The claim was rejected then we appealed it. They aren't budging on clear fraud charges and I am at my wits end.

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 2017-12-28
Company: Integrated Recovery Services
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
About three days ago a XXXX XXXX, Called me from California Department of legal services was what he left on my cell phone message he also called me at worked and has called my mother! When I talked to him he said he was calling from integrated recovery services about a loan I took out XX/XX/2016 he said if I didnt pay ASAP he was taking me to court that I need to pay {$2100.00}, I said do a payment plan I just lost my home do to the fire we had in California, he didnt want to give me a license number to the company he also only wanted a XXXX  or XXXX! He harasses me when he Calls I just want to know that company is ligit!! The number he calls from is XXXX my account number is XXXX. Today I went to XXXX XXXX XXXX and they gave me a # to call there close. I need help please

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
In XXXX of 2022 I filed a dispute with the credit bureau Asking for a reinvestigation Of the disputed account XXXX XXXX  XXXX. This account was verified by the credit bureaus and I asked for a reinvestigation that I was entitled to according to the Fair Credit Reporting Act section 611. The bureau had 15 days to Complete their investigation and they have not. I have asked for a reinvestigation and they have not responded to my request. i In these months I have not received a notice in 45 days and show that My dispute is even being investigated. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
THE INQUIRIES BEING DISPUTED I DID NOT AUTHORIZED THOSE, PLEASE INVESTIGATE AND HAVE THOSE REMOVE OFF MY FILE.

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 2017-09-20
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
XXXX XXXX, XXXX. Pursuant to FDCPA XXXX I requested XXXX & XXXX send me proof of the debt they say I owe as they are required by law, and also prove the debt is mine and valid via chain of title to the debt. They do not have/failed to provide my original signature in any documents. The " proof '' of debt they sent was a copy of an old credit card bill. Ridiculous and illegal. 

XXXX XXXX. 
With further harassment from the plaintiff multiple phone calls and visits from the sheriffs office and multiple attempts to seize funds from my bank-I am filing a second complaint and demanding proof of the debt they claim I owe. Immediately. I have sent this demand via registered mail. I also request no further contact from XXXX XXXX XXXX as I am considering legal action against them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation