BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-11
Company: Monterey Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received an email from this company that I could not open. I sent email to medical coordinator at a doctor office. On my first time at the doctors office I signed documents but none of them was this company, XXXX XXXX. Their contract was signed by the coordinator and not me. I never consent, agreed, or even seen any part of their contract until about one year later when Monterey Collections provided me a copy. Their contract was signed st the doctors office on a day I was not there. This means it was signed by the office and not me. I never signed or agree with this company loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: SELECT PORTFOLIO SERVICING, INC.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The interest rate on my mortgage jumped from 4 % to 9.14 % in one month, there was no other change in my mortgage. My mortgage payment went from {$480.00} to {$700.00} in one month, I am a widow and I requested help through the company and was told that I am up to date on my payments and they could not help me. My original mortgage was a fixed rate mortgage and it somehow was changed to a variable rate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
In XX/XX/XXXX, I, XXXX XXXX ( primary owner ) and XXXX XXXX ( co-owner ), were given a 25 % interest loan for a XX/XX/XXXX pre-owned used car. We didnt know much about car loans then and thought we were doing a good thing. Weve been paying {$390.00} for 2 years now and just found out this year that payments did not apply to the principal until XX/XX/XXXX. We noticed our loan was never going down when doing our taxes. Our car is at {$150000.00} and {$13000.00} is still owed on it. We have about 1 more year of use on this car and would have to pay {$1400.00} a month to pay it off before it can no longer be used. We have two kids, two kids and just want some sort of relief from this horrible interest rate. We pay on time and faithfully. Please help! No one will refinance the car because its NADA value is upside down its loan amount. We didnt know better and now we do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XX/XX/XXXX Fraud : Bank of America Headquarters XXXX XXXX XXXX XXXX, NC XXXX I have requested Bank of America not to set up on-line access to my debit card. I told them I did not want any on line account set up on my checking account due to fraud. 
My cards were stolen and I requested that all cards be cancel XXXXdebit card and credit card too. 
( XXXX : XXXX a.m. ). I was told by XXXX of Bank of person that my credit card and debit would be cancel. 
However, I called today and was told ( XXXX ), that card was never closed out. 
There has been activity on my account and I would like a full investigation into this matter. 
XXXX XXXX XXXX  XXXX , XX/XX/XXXX Card ending XXXX time XXXX XXXX text to phone number XXXX XXXX XXXX Please explain why my cards were never cancel Called Bank America time XXXX XXXX on hold for XXXX minutes XX/XX/XXXX They can not protect my funds.

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 2020-11-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet.. I feel like I'm being taken advantage of and being ignored of my disputes.

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: Paypal Holdings, Inc
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I have applied for a number of loans on PayPal under their PayPal XXXX XXXX XXXX program. They have all been PAID OFF SUCCESSFULLY. 

I meet all of the criteria and I keep getting rejected for the loans, I AM NOT SURE IF THIS IS A MATTER OF XXXX  so PayPal should place all of their communications about this matter to the address listed here.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
on XX/XX/2022 there was an inquiry from XXXX XXXX XXXX XXXX whis wasnt authorized by me also on these dates XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 why would i run my credit this many times with this company

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 2019-10-23
Company: Experian Information Solutions Inc.
State: OH
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 an account ( XXXX XXXX XXXX ) on my Experian credit report showing inaccurate information. I disputed the information several time but experian fails to properly investigate and verify the account. I disputed the same account with XXXX and they delete the account because the company XXXX XXXX XXXX failed to validate the allege debt. I am asking EXPERIAN to follow suit and do the same and delete the account. Attached is a copy of the deleted result from 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 2023-01-18
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
The bank employee ( Branch Manager, maybe ) refused to provide service and asked me to leave the bank because they where closing even though I was at the bank prior to closing time and they were still working with other customers. He refused to tell me his name when I asked him, also refused to give me his business card as he lead me out and locked the door. Please let me know if there is anything you can assist me regarding this issue. Thanks, 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 2017-02-20
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
My husband passed away 8 years ago. I recently assumed the mortgage. Nationstar has not corrected the name on the mortgage and has n't sent me a correct XXXX. I 've received a XXXX that has no numbers in the interest paid field. My name is incorrect. So far, I 've received 3 different XXXX forms-none of them are correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: AMERIS BANCORP
State: GA
Product: Mortgage
Sub-product: FHA mortgage
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 originally had a mortgage through XXXX XXXX which was never paid late. Then on XX/XX/2018 I was XXXX which I was in XXXX in the hospital for over a month. This caused me to have a hardship and have to put my payment on forbearance/dererment. The loan was transferred to Ameris Bank and then to XXXX XXXX XXXX XXXX rejected our application to be on deferment. And instead of adding all the late payments to the end of the loan they marked late payments all across all three mortgage companies. By the time it was transferred it left negative late payment remarks on my XXXX, XXXX and XXXX credit reports as late payments past 120 days. Ameris bank apologized and removed the late payments. But XXXX and XXXX have not. We have hired credit repair companies for the last two years. We have messaged and called each credit bureau and mortgage company to try and get these removed but have had no luck. We are ready to move past this incident and be able to buy or build our dream home but can't with this on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still a few accounts to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these accounts ( 1 ). ( A ). 

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 non-monetary relief
Consumer complaint received 2022-07-10
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:
In checking my TransUnion report I noticed an account XXXX XXXX XXXX with no account number showing on my report as last reporting XXXX XXXX with an open balance showing {$1300.00}. To my knowledge I do not, nor have I entered into an agreement for repayment to XXXX XXXX XXXX. XXXX XXXX XXXX has no authority to collect from me. XXXX XXXX XXXX is hereby in violation of my consumer rights afforded to me under the Fair Credit Reporting Act. According to the Fair Credit Report Act section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify through the physical verification of the original signed consumer contract, any and all accounts that is listed on a consumer report. 

I demand from XXXX XXXX verifiable proof where I have lawfully consented to enter into any contract with XXXX XXXX. If this can not be provided, I demand an immediate deletion from any and all credit reporting agencies that they may furnished this inaccurate information to.

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 2023-09-09
Company: CITIBANK, N.A.
State: TN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I signed up for the XXXX Citi credit card and in store I used my name of XXXX XXXX, Citi took this even though they had my full SSN and I'm an existing account holder and made a new backend profile for me. I found this out today when I tried to activate my card and it's forcing me to make a new account. I called in and their phone system is terrible and I got bounced around several times before getting someone. They informed me that Citi needs documentation of my name on a legal form of ID. I was offered to send this information via the XXXX mail or via fax. I denied fax due to it is fundamentally insecure and can not provide encryption as well as the post office where there is only a law protecting me, but someone can still sniff my mail. Neither of these methods can guarantee encryption of my data in the security of it. I offered multiple times to send a secure email to use the city document, upload center or any other method to where I can guarantee encryption of my data and Citi outright refused stating " policy ''. 

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 2020-10-19
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$73.00}, {$0.00}, {$0.00}, {$0.00}, {$660.00}, {$570.00}, {$1700.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$73.00} -This is not my account. 

3. XXXX  XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNTS 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$630.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$570.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1700.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$73.00}, {$0.00}, {$0.00}, {$0.00}, {$660.00}, {$570.00}, {$1700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$73.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNTS 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$630.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened onXX/XX/XXXXwith a balance of {$570.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1700.00} -This is not my account.

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 2022-10-10
Company: Experian Information Solutions 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:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

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 2022-10-05
Company: Experian Information Solutions Inc.
State: CA
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:
Inquiries Do Not belong to me. have them remove from all 3 credit bureus ASAP FTC report # 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 non-monetary relief
Consumer complaint received 2023-01-11
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
tuist bank closed my business checking account and have refused to release my account balance to me after closure.

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 2023-02-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: Experian Information Solutions 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$73.00}, {$0.00}, {$0.00}, {$0.00}, {$660.00}, {$570.00}, {$1700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$73.00} -This is not my account. 

3. XXXX  XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNTS 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXXwith a balance of {$630.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$570.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1700.00} -This is not my account.

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